Time Sensitive Opportunities

Financial Deals Roundup: January 2025

Last Updated: January 13, 9AM EST

🕖 Roth (ant traditional) IRA contributing deadline

Last chance to make 2024 Roth IRA contributions – maximize your tax-advantaged retirement savings!
- Up to $7,000 contribution for 2024 ($8,000 if age 50+).
- Deadline: April 15, 2025
- Requirements
  - Income limits apply:
    - Single filers: Modified AGI under $146,000 for full contribution
    - Married filing jointly: Modified AGI under $230,000 for full contribution
  - Must have earned income equal to or greater than contribution amount
  - Must have Roth IRA account opened with a qualified financial institution
- Direct link: N/A (contributions must be made through your chosen financial institution – Fidelity, Vanguard, Charles Schwab, etc.)
- Our take: This is a crucial opportunity that shouldn’t be missed if you’re eligible. Roth IRAs offer unique tax advantages since qualified withdrawals in retirement are completely tax-free, including all investment gains. Unlike traditional IRAs, there are no required minimum distributions (RMDs) during your lifetime, giving you more flexibility in retirement planning. Traditional IRA contributions are tax-deductible, lowering your taxable income for the year. Even if you can’t contribute the full amount, any contribution helps build your tax-advantaged retirement savings. If you’re on the fence, remember that you can’t go back and make these contributions after the deadline passes – it’s truly a “use it or lose it” situation.

🔥 Hot Deals Expiring Soon

📈 Investment Opportunities

Market-based opportunities with limited windows

DMV (DC, Maryland, Virginia) Regional Real Estate Analysis
- Hot Investment Trends in the DMV: From Amazon HQ2 to Purple Line Opportunities
  - Want to stay ahead of the curve in DC, Maryland, and Virginia’s dynamic investment landscape? We’ve just published an in-depth analysis covering everything from real estate opportunities near transit expansions to high-growth business sectors.
  - 👉 Read our full analysis covering:
    - Impact zones around major infrastructure projects
    - Municipal bond opportunities with AAA-rated states
    - Tech corridor expansion and government contracting hotspots
    - Emerging neighborhood development plays
- [Read the Complete DMV Investment Landscape Analysis →]
  - Note: Our analysis is based on current market trends as of January 2025. Always consult with financial and real estate professionals before making investment decisions.

🏦 Banking Promotions

Current bank and credit union offers

Wealthfront High-Yield Savings account
- Bonus: 4.5% APY
- Requirements: No minimum balance
- Note: Interest rates are subject to change
- Why we love it: Earn a competitive interest rate on your savings; deposits are FDIC-insured; no account fees, maintenance fees, or minimum balance requirements; you can easily access your funds through online banking.
- Our rating: ⭐⭐⭐⭐⭐
PNC Virtual Wallet
- Bonus amount: $700
- Requirements: $5,000+ in qualifying direct deposits
- Deadline: March 3, 2025
- Fine print: Targeted offer, consult at your local branch
- Our rating: ⭐⭐⭐⭐

💳 Credit Card Offers

Best Signup Bonuses
- Capital One Venture X
  - Signup Bonus: Earn 75,000 miles
  - Rewards:
    - 2x Miles on everyday spending
    - 5x Miles on travel purchases (including flights, hotels, and rental cars)
    - 10x Miles on car rentals
  - Our take: A top choice for frequent travelers. While it has an annual fee, you receive $300 in travel credits, access to Priority Pass and Capital One lounges (for you and two guests), and 10,000 bonus miles annually. You can also add up to 4 authorized users for free and they get all the same benefits.
- Chase Sapphire Preferred
  - Signup Bonus: Earn 60,000 Bonus Points
  - Rewards:
    - Earn 5x points on travel purchased through Chase Ultimate Rewards®, 3x points on dining, and 3x points on online grocery purchases.
    - Includes $50 annual hotel credit, up to $120 in annual DoorDash DashPass credits, and comprehensive travel and purchase protections.
    - Transfer points to a variety of travel partners. Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase.
    - Anniversary Bonus: Earn 10% of your points back each account anniversary year.
  - Our Take: The Chase Sapphire Preferred is a versatile travel rewards card that offers a valuable combination of flexible rewards, valuable travel benefits, and transferable points. It’s an excellent choice for frequent travelers who value flexibility and maximize their travel spending.
- Chase Sapphire Reserve
  - Signup Bonus: Earn 60,000 Bonus Points
  - Rewards:
    - Earn 10x points on hotels and car rentals booked through Chase Travel
    - 5x points on air travel through Chase Travel
    - 3x points on dining
    - $300 annual travel credit, Priority Pass Select membership, and access to exclusive airport lounges.
    - Premium travel protections, such as trip delay/cancellation insurance, baggage delay insurance, and rental car insurance.
    - Transfer points to a variety of travel partners. Your points are worth 50% more when you redeem them for airfare, hotels, car rentals and cruise lines through Chase Travel.
    - Anniversary Bonus: Earn 15% of your points back each account anniversary year.
  - Our Take: The Chase Sapphire Reserve is a premium travel rewards card designed for discerning travelers who prioritize luxury and exceptional travel experiences. While it carries a significant annual fee, the robust rewards, exclusive travel benefits, and unparalleled travel perks make it a compelling option for those who demand the best.
- American Express® Gold Card
  - Signup Bonus: Earn 60,000 Membership Rewards
  - Rewards:
    - 4x Membership Rewards® points at restaurants worldwide and on U.S. supermarkets
    - Receive up to $120 in annual dining credits, $120 in annual Uber Cash credits, and $100 in annual dining credits at select fine dining restaurants
    - 3x Membership Rewards® points on flights booked directly with airlines or through amextravel.com
  - Our Take: The American Express® Gold Card is an excellent choice for food enthusiasts and frequent diners. The generous dining rewards, valuable credits, and travel benefits make it a compelling option for those who prioritize maximizing rewards on everyday spending.
- The Platinum Card® from American Express – 🏃Run ‼️Get 175,000 Bonus points‼️‼️(as of January 15)
  - Signup Bonus: Earn 60,000 Membership Rewards® points
  - Rewards:
    - 5x Membership Rewards® points on flights booked directly with airlines or through American Express
    - 5x points on prepaid hotels booked through American Express Travel, and 1 point per dollar on all other eligible purchases.
    - Includes $200 in annual airline fee credits, $200 in annual hotel credits, access to the Global Lounge Collection (including Centurion Lounges), and Priority Pass Select membership.
    - Enjoy a range of exclusive benefits, such as $200 in annual Uber Cash credits, up to $240 in annual digital entertainment credits, and complimentary access to elite hotel programs.
  - Our Take: The Platinum Card® from American Express is a top contender for discerning travelers who prioritize luxury and exceptional travel experiences. While it carries a significant annual fee, its extensive travel credits, unparalleled lounge access, and robust rewards program can potentially offset the cost for those who maximize its benefits.

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📌 Local DMV Specials

Deals specific to our area. If you’d like to share a deal please email [email protected] with the following information:

[Local Deal]
- Location:
- Offer details:
- Expires:
- How to claim:

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