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Barclays $200-$400 Savings Bonus – Doctor Of Credit


Update 7/31/26: Extended to 10/31/26

Update 5/8/26: New AARP offer. $400 bonus, requires $40,000 deposit for 120 days. Account earns 4% APY.  Non AARP offer is for $200 and requires $25,000 balance for 120 days. 

Update 12/29/25: Extended to 03/31/2026.

Update 10/13/25: AARP offer available here.

Update 10/9/25: Deal is back until 12/31/25. AARP not required this time. Deposit has been increased to $30,000 from $25,000. Hat tip to reader LL

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Nationwide
  • Deposit required: $30,000
  • Deposit length: 120 days from date of deposit
  • APY: 4%
  • Hard/soft pull: Unknown
  • ChexSystems: No
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: Unknown
  • Household limit: None
  • Expiration date: 5/3/2024

The Offer

Direct links to offers: Barclays | Barclays AARP

  • Barclays is offering a $400 bonus when you open a new savings account and complete the following requirements:
    • Fund your account with at least $40,000 within the first 30 days of account opening
    • Maintain the balance of at least $40,000 for 120 consecutive days
  • Barclays AARP is offering a $200 bonus when you open a new savings account and complete the following requirements:
    • Fund your account with at least $25,000 within the first 30 days of account opening
    • Maintain the balance of at least $25,000 for 120 consecutive days

 

The Fine Print

  • $200 Bonus Offer: To qualify for this bonus offer, you must be a new Barclays Savings customer (current and previous Barclays customers with a Savings account or CD are not eligible), open an account 3/4/2024 through 5/3/2024, fund your new savings account with at least $25,000 within the first 30 days of opening the account, and maintain the balance of at least $25,000 for 120 consecutive days.
  • After you maintain the $25,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days.
  • Offer expires 5/3/2024.
  • You may make multiple deposits to your account from another financial institution(s) to meet the offer requirements, provided these deposits all occur no later than 30 days after opening the new savings account.
  • The funds deposited into your Barclays Savings account will earn the then current annual percentage yield listed on barclaysus.com/deposits for the Barclays Savings account.
  • Withdrawals could affect your eligibility to earn the bonus if the withdrawal causes the account balance to drop below $25,000.
  • The 120 consecutive days will not start until the $25,000 is deposited within 30 days from opening the account.
  • The bonus will be applied and treated as interest for tax purposes and could require Barclays to send you a Form 1099-INT (Interest Income) and file it with the IRS for the year in which you earn the bonus.
  • While there is no minimum required to open a Barclays Savings account, as described above there is a minimum balance required to earn the bonus offer.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fee

Early Account Termination Fee

Unsure if there is any EATF.

Our Verdict

Bonus works out to be 2% APY if you hold for exactly 120 days, base rate on the account is 3.90% so total rate is 5.9%. Better than other basic savings rates but a bit of work as well. We will add this to our list of the best saving account bonuses.

Hat tip to reader Fred

Useful posts regarding bank bonuses:

Tom Corson promoted to new role as COO of Warner Music Group


Warner Records Co-Chairman and COO Tom Corson has been promoted to Chief Operating Officer (COO) of Warner Music Group, reporting directly to WMG CEO Robert Kyncl.

Corson succeeds the outgoing Armin Zerza, who WMG announced earlier is leaving his dual CFO/COO role at the company.

In his new role, Corson will bring global marketing, merch, D2C, supply chain, and more under his purview, said Warner in a press release, “while continuing to drive strong momentum at Warner Records alongside Co-Chairman and CEO Aaron Bay-Schuck for a transitional period.”

Robert Kyncl said: “Tom is one of the most dynamic, respected, and effective executives in the music business, and a fierce champion of talent.

“Together with Aaron, he’s helped architect Warner Records’ resurgence, and we’ll leverage his vision, disciplined execution, and deep experience across the entire company as we continue to deliver for our artists and songwriters while achieving our top and bottom line goals.”

Tom Corson said: “It’s an honor to step into this role during such a transformative era for both our company and the industry at large. A huge thanks to Robert for the opportunity, as well as to Aaron and the Warner Records team for the unforgettable run.

“I’m looking forward to building on our momentum, turbocharging operations, and creating even more impactful opportunities for our incredible artists and songwriters worldwide.”

Corson joined Warner Records in 2018 as Co-Chairman and COO and has been leading the label’s business operations, strategy, and commercial development ever since.

Under Corson and Bay-Schuck, the label has delivered success for artists such as Madonna, Red Hot Chili Peppers, Dua Lipa, Zach Bryan, Benson Boone, Michael Bublé, Teddy Swims, Linkin Park, Cody Johnson, and Sombr.

Prior to joining Warner Music Group, Corson spent over four decades in senior leadership positions across major music groups, most recently serving as President and COO of RCA Music Group.Music Business Worldwide

About Bart Olszewski – MortgageDepot


Bart Olszewski is a licensed Mortgage Loan Originator dedicated to helping homebuyers and homeowners navigate the financing process with confidence. Backed by more than two decades of success as one of Queens’ top real estate professionals, Bart offers clients a unique perspective that extends far beyond the mortgage itself.

His extensive experience representing buyers and sellers gives him a deep understanding of every stage of a real estate transaction, allowing him to anticipate challenges, communicate effectively with all parties involved, and help ensure a smoother path from application to closing. Whether working with first-time homebuyers, seasoned homeowners, or real estate investors, Bart is committed to finding financing solutions that align with each client’s goals.

Known for his exceptional client service and attention to detail, Bart has earned numerous industry awards throughout his career and has been featured in The New York Times, interviewed on NY1, appeared on NBC’s Open House NY, and recognized as one of New York’s Top 100 Agents by Trulia.

Fluent in both English and Polish, Bart takes pride in building lasting relationships and delivering personalized guidance every step of the way, making the mortgage process as seamless and stress-free as possible.

 

Trump orders Iran attack as soon as this weekend, WSJ says



President Donald Trump has ordered the US military to carry out a new attack on Iran as soon as this weekend, the Wall Street Journal reported Friday.

The strikes are intended to convince Tehran to surrender, according to the newspaper, which cited unnamed US officials.

The report comes hours after Trump cast doubt on continued negotiations with Iran, repeating threats to retaliate forcibly after an attack on a US base in Jordan.

“We’ll be hitting them very hard,” the president said during a Cabinet meeting Friday. “And at some point they’ll say we just can’t take it anymore.”

CBS reported separately that the US is considering striking energy infrastructure, including oil refineries and power plants, which would mark a major escalation in the military campaign. Deliberate bombing of civilian targets could be considered war crimes, according to advocacy groups.

WTI rose above $86 a barrel in post-settlement trading on Friday afternoon following the CBS report.

White House Press Secretary Karoline Leavitt did not directly address reports about an impending assault, but said in a statement that “Iran will continue to pay until they come to the table in, what President Trump deems, a meaningful way.”

Why Trump’s Iran Threats Raise War Crime Concerns: Explainer

The president has frequently threatened sweeping escalation only to shift his stance soon afterward. At the same time, the war has depleted US munitions, particularly air defense interceptors crucial to stopping attacks on bases.

Unintended consequences have marked the conflict, which began on Feb. 28 with massive airstrikes by the US and Israel. Iran swiftly and essentially sealed off the Strait of Hormuz, a vital waterway for oil, natural gas and fertilizer shipments. While the Iranian armed forces were no match for America’s military might, Tehran’s attacks on Persian Gulf neighbors with drones and missiles disrupted business and everyday life across the region.

Just this week, Egypt was drawn into the fray when two ships carrying liquefied natural gas were struck by drones at the port of Damietta.    

Oil prices have shot up with each round of clashes, and Americans who were already frustrated about the cost of food, housing and other items now pay significantly more for gasoline. With control of Congress at stake in November’s midterm elections, polls show that voters by a wide margin disapprove of Trump’s management of the war — and the economy. 

Earlier: Trump Casts Doubt on New Iran Negotiations as War Drags On

Earlier Friday, he told reporters during the meeting at the Camp David presidential retreat in Maryland that he was “losing faith in them because they do lie and do, they do misrepresent.”

“And at some point they’ll say we just can’t take it anymore,” he added.

Confidence between the parties appears to be at rock bottom, with Iranian leaders echoing Trump’s latest complaints by saying the Americans have reneged on commitments and can’t be trusted. 

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Senate Committee Advances Bill To Block Education Department Transfers


Key Points

  • The Senate HELP Committee advanced a bill designed to block the Education Department from transferring four offices (special education, postsecondary, elementary and secondary, and Indian education) to other federal agencies.
  • The bill leaves out the Office for Civil Rights and Federal Student Aid, meaning student loans and civil rights enforcement could still be moved.
  • HELP Chairman Bill Cassidy opposes the bill and the House is moving 10 bills in the opposite direction, so S. 5046 faces long odds at 60 votes even with three Republican backers.

A bipartisan group of senators is moving to block at least some of the Trump administration’s effort to dismantle the Department of Education.

The Senate Health, Education, Labor and Pensions Committee approved S. 5046 on Thursday by a 13-9 vote, sending it to the full Senate. The bill, introduced July 21 by Sen. Tim Kaine (D-Va.) with Sens. Susan Collins (R-Maine) and Lisa Murkowski (R-Alaska), would bar the Education Secretary from offloading four of the department’s offices onto other agencies.

This comes a little more than two weeks after House Republicans sought to make the dismantling permanent with a series of 10 bills completely removing nearly all functions of the Department of Education.

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What The Bill Would Do

S. 5046 prohibits the Education Department from entering into (or carrying out) interagency agreements covering four offices:

  • Office of Special Education and Rehabilitative Services (OSERS)
  • Office of Postsecondary Education
  • Office of Elementary and Secondary Education
  • Office of Indian Education

These are the same kinds of arrangements the department used to shift special education oversight to HHS and civil rights enforcement to DOJ in June.

The prohibition reaches grant-making, technical assistance, grantee monitoring, data collection, and enforcement tied to those offices. It overrides the Economy Act, the 1932 statute the administration has leaned on to let one agency contract work out to another. It also blocks a workaround: the department can’t shuffle a program to a different internal office and then hand that office’s work to another agency.

Agreements in effect on Feb. 1, 2025, are grandfathered in, along with renewals carrying substantially similar terms.

Two key areas the bill doesn’t touch: the Office for Civil Rights and the Office of Federal Student Aid. That means the Department of Education could still move student loans to Treasury, and Civil Rights to Justice.

By The Numbers

Since May 2025, the Education Department has signed 14 interagency agreements with six other federal agencies, moving large pieces of K-12 and higher education administration outside the building, all while the department’s own inspector general found it had cut 40% of its staff.

The committee also approved an amendment from Sen. Patty Murray (D-Wash.) requiring the department to report what those agreements cost. Murray said the department has already paid more than $1 million to implement a single agreement with the Labor Department, the same agency House Republicans want running TRIO and GEAR UP.

What They’re Saying

You can watch the full session here, but a quick breakdown is below:

Kaine said he wrote the bill to preserve “really core components” of the agency, adding that he left out other functions he wanted covered in order to reach bipartisan agreement quickly. It’s a narrower approach than the one Senate Democrats took when they called the Treasury student loan transfer illegal last year.

Collins said the agreements the bill targets “are misaligned with their program purposes.” On the HHS agreement covering special education, she said it “fundamentally misunderstands the history and intent of the special education program, which was created in 1975 to ensure that children with disabilities receive a free and appropriate public education.”

HELP Chairman Bill Cassidy (R-La.) said he won’t support the bill because he doesn’t object to every agreement it would unwind. “I do think the administration should be allowed to pilot how to address inefficiencies and the potential for efficiencies by operationalizing these IAAs,” Cassidy said, an efficiency argument that runs into the practical costs of moving programs around Washington.

He does oppose the HHS-OSERS agreement, and had drafted a narrower bill covering only that one. He pulled it after S. 5046 covered the same ground.

McMahon defended all 14 agreements in a letter to congressional leaders Thursday, writing that “misconceptions have circulated” and that the agreements “have demonstrated measurable results by driving stronger grant competitions, streamlining government operations, and producing better outcomes for Americans.” She made a similar case to House lawmakers in May.

How This Connects

The Senate bill runs counter to the House of Representatives’ 10-bill package would codify most of the same transfers and go further, sending statutory responsibility for federal student loans, Pell Grants, FAFSA, and Public Service Loan Forgiveness to Treasury.

Interagency agreements can move who does the work, but they can’t rewrite what Congress assigned to the Education Department, which is why 7.8 million borrowers already dealing with Treasury as their debt collector still fall under Education Department law. The House bills would change the law itself. The Senate bill seeks to block or prevent some of those changes. The disagreement make make any of it impossible to execute. 

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The post Senate Committee Advances Bill To Block Education Department Transfers appeared first on The College Investor.

Are You Spending Wisely on AI?



<p>As AI costs spiral, HBS professor Iavor Bojinov offers a practical guide to help leaders weigh the tradeoffs between cost, capability, and security.</p>

The Pros and Cons of Road Trips



I have become quite intrigued with van life. Unfortunately van life is not in the cards for me, and I have to admit, I’m not sure I can tough it out. Road trips are the closest I would get to van life. I really enjoy the idea of packing essentials and necessities in the car as we hit the road. Below are the pros and cons of going on a road trip. For today’s edition, I will take a pro, con, pro, con approach.

The post The Pros and Cons of Road Trips appeared first on Pointshogger.

Why Baxter International Stock Skyrocketed by 19% This Week


Baxter International (BAX -2.21%) probably didn’t want this trading week to end. According to data compiled by S&P Global Market Intelligence, the veteran medical device purveyor’s shares flew 19% higher over the period. That was hardly a surprise, as the company published a highly encouraging quarterly earnings report Thursday morning.

There’s nothing as good as a double beat

Baxter posted second-quarter sales of $2.96 billion, which was a 5% improvement over the same period of 2025. Of these, the company’s take in its native U.S. rose 4% to $1.6 billion, while international sales advanced 7% to $1.4 billion.

Image source: Getty Images.

Net income under generally accepted accounting practices (GAAP) rose more steeply, to $135 million from the year-ago profit of $122 million. On a per-share, non-GAAP (adjusted) basis, profitability fell 5% to $0.56 per share.

On average, analysts tracking Baxter stock were modeling $2.8 billion for revenue and $0.37 per share for adjusted net income.

In terms of product categories, both of Baxter’s revenue buckets saw sales increases. Medical products and therapies posted a 7% gain to nearly $2.1 billion, while healthcare systems and technologies rose 4% to $801 million.

Baxter International Stock Quote

Today’s Change

(-2.21%) $-0.59

Current Price

$26.16

Popping on guidance

Those tailwinds inspired Baxter management to raise its full-year guidance. It’s now anticipating sales growth of 3% to 4% over the 2025 tally. Previously, it was guiding for a flat-to-1% increase. Adjusted earnings per share (EPS) is projected to range from $1.95 to $2.15, up from the prior $1.85 to $2.05.

Baxter is solid, steady, and operating in a world where populations are getting proportionally older (and therefore requiring more medical care). It’s well-positioned for continued growth, and with that, its stock is more than worthy of consideration as a buy.

Eric Volkman has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

Hometown Equity Mortgage sued for violating state labor code


A California-based mortgage lender is facing a lawsuit after accusations it did not accurately pay employees for time worked.

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San Diego labor law attorneys at Zakay Law Group filed a representative action complaint Monday in San Diego County Superior Court of the State of California against Hometown Equity Mortgage, which does business under the name of theLender. The suit accuses the lender of violating 17 sections of the California labor code, including failure to provide compliant meal and rest periods, pay all minimum, regular and overtime wages and pay sick time and overtime at the correct rate.

The lawsuit also alleges Hometown did not allow employees to take duty-free, off-the-premises rest periods, maintain true and accurate records, provide accurate itemized wage statements, pay amounts due during and upon termination of employment nor reimburse for business expenses, which were primarily related to the costs of using personal cell phones and home internet.

Under California law, every employer must pay its employees on the established payday no less than minimum wage for all hours worked, whether the compensation is measured by time, piece or commission. Hours worked is defined in the wage order as “the time during which an employee is subject to the control of an employer and includes all the time the employee is suffered or permitted to work, whether or not required to do so.” 

Hometown allegedly required its employees to perform work before and after their scheduled shifts, as well as during their off-duty meal breaks. The lawsuit said Hometown did not compensate its employees for any of the time spent under the employer’s control while working off the clock. Thus, the lender failed to pay its employees the minimum wage for all hours worked in a payroll period, according to the complaint.

In accordance with the labor code, aggrieved employees are entitled to thousands of dollars each, depending on the number of violations against them.

Zakay did not respond to a request for comment.

Previous employee litigation against lenders

Better Mortgage settled a similar lawsuit earlier this month. The lender will issue a total of $7.1 million to hundreds of current and former underwriters over alleged unpaid wages. The case, initially filed in September 2020, accused Better of not paying employees for overtime or meal periods. 

Freedom Mortgage also agreed to a $750,000 settlement to resolve a Fair Labor Standards Act complaint from a class of more than 900 employees. The lawsuit, filed last March, claimed current and former staff worked unpaid overtime.