A new Amex Offer has just dropped for Amazon, giving cardholders an easy way to earn extra points on their next purchase. As with most Amex Offers, this is targeted, so you’ll want to check all of your cards to see where the deal landed. Here are the details.
Offer Details
Earn additional Membership Rewards® points after using your enrolled eligible Card for qualifying purchases online at Amazon.com by 12/5/2026. There are a couple of versions available:
Spend $40 and get 1,000 extra points, up to 3x. Max 3,000 bonus points.
Spend $150 and get 1,200 extra points, up to 3x. Max 3,600 bonus points.
Spend $150 and get 1,500 extra points, up to 3x. Max 4,500 bonus points.
Spend $50 and get 500 extra points, up to 3x. Max 1,500 bonus points.
Offer details and availability may vary by cardholder. Just login to your American Express account(s) to see if you are eligible to add this offer to your card(s). If you find one of these two offers, than you can can just reload your gift card balance with $50 or $150 to trigger the bonus points.
Important Terms
Offer valid online only at US website amazon.com or through the Amazon app.
Not valid on purchases shipped outside of the US.
Excludes corporate gift card and custom-designed gift card purchases.
Excludes Prime memberships and auto-renew subscription services.
Guru’s Wrap-up
This is a good offer that can easily earn you extra Membership Rewards points for your Amazon purchases. I found it on my Amex Business Platinum card and two Blue Business Plus cards.
Remember that you can use the search bar within the “Amex Offers” section in the app to find this offer quickly, instead of scrolling through 100+ deals.
An Amazon reload, or Amazon gift card purchase should work. You should be able to also do a single transaction for the total spend requirement to get the total bonus.
Let me know if you are targeted for this offer!
Disclaimer: As an Amazon Associate I earn from qualifying purchases made through this article. Using links on the site for Amazon purchases is the best way you can support the site as you normally can’t earn cash back for these purchases. But, you should still check shopping portals such as Rakuten, TopCashback, RebatesMe, ShopBack and others for possible cashback. Your support is always greatly appreciated!
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Disclosures:
All content on this channel is for informational purposes only and should not be construed as professional financial advice or recommendation to buy or sell any securities. Trading stocks, ETFs, other securities, and/or cryptocurrencies poses a considerable risk of loss. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered. The content of this video is solely the opinions of the speaker who is not a licensed financial advisor or registered investment advisor. Should you need such advice, consult a licensed financial or tax advisor. When you make purchases through links in this video description, the author may earn a commission.
Federal funding runs out December 11, 2026, and Congress must pass another stopgap or full-year spending bills to avoid a shutdown heading into the holidays.
A December shutdown would not pause student loan payments, Pell Grants or FAFSA processing, but it could slow the IRS as it prepares for the 2027 filing season.
Republicans are also weighing a third reconciliation bill before Democrats take over on January 3. No student loan changes have been proposed for it.
Democrats won control of both the House and the Senate on November 3, and the new Congress won’t be sworn in until January 3, 2027. That leaves Republicans a short window of unified control to take action – and they have some pressing items that need to be addressed next month. Our breakdown of what the Democratic sweep means for student loans highlights what we expect will happen next year.
There is a critical must-pass item coming up: government funding. Lawmakers return today and have a December 11 deadline, and missing it would trigger a government shutdown that hits student loans and financial aid right before Christmas.
Some Republicans also want one last party-line bill before they lose power, which could touch the debt ceiling and taxes.
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When Does The Government Shut Down If Congress Doesn’t Act?
Federal funding expires after December 11, 2026. The stopgap law signed September 2 keeps agencies running at fiscal year 2026 levels until then. Congress has to pass full-year spending bills or another continuing resolution before that date. Until it does, Education Department programs run at last year’s funding levels.
House and Senate appropriators had been working toward a full-year deal, but that path is unclear. Another short-term continuing resolution looks like the most likely outcome. A full-year education bill matters for families because it sets money for Federal Work-Study, TRIO and Pell Grants, and the House version would end subsidized student loans to pay for a Pell Grant increase.
The politics cut both ways. Funding deadlines are one of the few checks Democrats will hold over President Trump next year, so Republicans have a reason to lock in longer-term funding now. Democrats have the opposite incentive, since a short deadline gives them leverage once they hold the gavels and pursue their Pell Grant and student loan agenda.
Key Dates For The Lame Duck Session And The 2027 Tax Season
Date
What Happens
Why It Matters
Nov. 9, 2026
Congress returns for the lame duck session
Republicans’ last weeks controlling both chambers
Dec. 11, 2026
Stopgap government funding runs out
Shutdown starts without a new spending bill
Jan. 3, 2027
New Congress is sworn in
Democrats take control of the House and Senate
Jan. 15, 2027
Fourth-quarter estimated taxes due
Payments are still due during a shutdown
Late Jan. 2027
IRS usually opens tax filing season
The 2026 season opened January 26
As Soon As Feb. 2027
Federal debt limit could be reached
Main driver of a third reconciliation bill
Source: Congressional Research Service, IRS. The College Investor.
What Happens To Student Loans, Pell Grants And The FAFSA If There Is A December Shutdown?
Federal student loan payments must continue due during a government shutdown, and Pell Grants and Direct Loans keep flowing. The Education Department pays for those programs through mandatory and carryover funding, so spring semester disbursements in January should go out on schedule. That’s what happened during the 43-day shutdown in fall 2025, when student loan payments and financial aid disbursements continued.
Student loan servicers are private contractors, so they stay open. They keep processing payments, deferments and income-driven repayment plan applications. Federal workers who stop getting paychecks can recertify their income to lower their student loan payment, which an unexpected benefit.
Work that needs an Education Department employee is what stops. That includes final PSLF discharges, Direct Consolidation Loan approvals and the Federal Student Aid ombudsman. In fall 2025, the department furloughed about 87% of its staff and laid off 466 employees during the shutdown. Its court-ordered income-driven repayment backlog reports were also delayed until after it reopened.
The FAFSA stays open, and processing is largely automated. Help desk support and issue resolution slow down, which matters because some state deadlines arrive fast. Texas has a January 15, 2027 priority date, according to our list of 2027-28 FAFSA deadlines.
How Would A Shutdown Affect The IRS And The 2027 Tax Filing Season?
A December shutdown would hit the IRS while it updates forms and tests systems for the 2027 tax filing season. During the October 2025 shutdown, the agency used leftover Inflation Reduction Act money to stay fully staffed for five business days. It then furloughed about 34,000 of its 74,000 employees and kept filing season preparation running as much as possible.
The cushion is smaller now. The fiscal 2026 spending deal cut the IRS budget to $11.2 billion and rescinded $11.7 billion of the roughly $20.7 billion left from the Inflation Reduction Act. The current stopgap protects what remains from another rescission. We haven’t seen a Treasury contingency plan for this deadline yet, so it’s unclear whether the IRS would use that money again. Our 2027 filing season overview covers what else changes this year.
Tax obligations don’t pause because the government shutdown. The fourth-quarter estimated payment is still due January 15, 2027. The last long shutdown didn’t push back the start of filing season either, and the IRS opened the 2026 season on January 26 as our IRS refund calendar shows.
What Happened During The 2018-2019 Holiday Shutdown?
The closest precedent began December 22, 2018, and lasted 35 days. The IRS was shut down, but the Education Department wasn’t, because its fiscal 2019 funding had already passed. FAFSA processing and Pell Grant payments ran normally that winter. This time both agencies run on the same stopgap, so both would close together.
The IRS still opened filing season on January 28, 2019 and paid refunds, after earlier shutdown plans had held them. It recalled about 46,000 employees to work without pay. Service suffered anyway, and the IRS answered only 48% of calls in the first week of filing season, according to the National Taxpayer Advocate’s report.
That backlog is one reason some tax refunds run late after a shutdown.
Could Republicans Pass A Third Reconciliation Bill Before January?
It’s possible, but the votes and the calendar are tight. Reconciliation lets a bill pass the Senate with a simple majority, and Republicans used it in 2025 One Big Beautiful Bill Act (OBBBA) that created RAP and capped Parent PLUS borrowing. Senate Majority Leader John Thune has called another reconciliation bill difficult, and he can lose only three Republican votes.
Ideas floated so far include Iran war funding, a debt limit increase, voting restrictions, and cryptocurrency policy. The debt limit drives most of it. Raising the limit through the end of President Trump’s term would keep Democrats from using it as leverage in 2027, and the limit could be reached as soon as February. Our coverage explains what happens when the U.S. hits the debt ceiling.
The process is complicated. The House-passed budget resolution includes no tax instructions, so the Senate would need to rewrite it and send it back. Attendance is another headwind, since retiring and defeated members may not stay through December. Tax options that fit reconciliation rules include extending expiring provisions, gambling losses, digital assets and retirement savings.
It’s unclear which, if any, would make the cut, so plan your 2026 return around the deductions already in law.
No student loan proposals are part of the reconciliation talk. The 2025 law already made the big changes, and the current repayment plan options stay in place.
What Should Families And Borrowers Do Before December 11?
Keep paying your student loans. Servicers stay open in a shutdown. Federal workers who lose pay should recertify income instead of using forbearance.
File the 2027-28 FAFSA now. Submitting before December 11 gives you time to fix problems while help desks are fully staffed, and our step-by-step FAFSA walkthrough covers every question.
Expect delays on consolidation and PSLF approvals. Final sign offs require the Department of Education.
Get ready to file early in 2027. E-file with direct deposit, and compare options in our best tax software rankings.
Plan around current law. Our analysis of what a Democratic Congress can change shows most proposals still need President Trump’s signature.
Frequently Asked Questions
Will My Student Loan Payments Pause If The Government Shuts Down?
No. Federal student loan servicers are contractors and stay open during a shutdown, so payments remain due. Missed payments can still be reported to credit bureaus during a shutdown.
Will A December Shutdown Delay My 2027 Tax Refund?
A short shutdown probably wouldn’t, since the IRS usually opens filing season in late January. A long one could slow phone help and correspondence, as it did in 2019. Refunds that claim the Earned Income Tax Credit are held until mid-February under the PATH Act refund rules.
Will Pell Grants Still Pay Out For The Spring Semester?
Yes. Pell Grants and Direct Loans are funded outside annual appropriations, so they kept disbursing during the 2025 shutdown. Delays are more likely for problems that need Education Department staff to resolve.
Editor: Colin Graves
The post December 11 Shutdown Deadline: What It Means For Student Loans, The FAFSA And Tax Refunds appeared first on The College Investor.
The Bank of Canada has renewed its policy framework, narrowing its focus on price stability and confirming that hitting its 2% inflation target is its most important priority.
Dilip Rao spent the 2026 midterm campaign listening for someone to talk about hunger. He says almost no one did.
“You read these stats about how 48 million Americans or 50 million Americans live in food-insecure households. That’s the reported number!” said Rao, CEO and co-founder of Sharebite, a New York–based employee meal-benefits platform. He argues the real figure is roughly three times higher.
“So you’re talking about close to 150 million people. Nearly half the country’s population is struggling; they’re living from paycheck-to-paycheck, and they don’t know where their next meals are coming from,” he said.
That number is Rao’s estimate. The official baseline is 47.9 million people who experienced food insecurity in 2024, according to Feeding America’s analysis of federal data. It may be the last reliable count for some time, because the USDA has stopped collecting the household survey behind it.
The pressure behind those numbers is showing up at work. Annual inflation reached 3.7% in September, according to the Bureau of Labor Statistics, and food prices are up 33% since 2019, per an Associated Press analysis of federal data cited by NPR. A Government Accountability Office report found that Uber, Lyft and DoorDash now lead major employers in workers receiving SNAP benefits, ahead of Walmart and McDonald’s.
Rao’s pitch is that companies can close part of that gap through something many already pay for: lunch. “We just have to start thinking about hunger, not only as a societal problem but more as an economic problem that businesses can help solve,” he said.
How Sharebite turns office lunch into donations
Founded in 2015, Sharebite is built for businesses, not consumers. Companies use it to manage employee food ordering, meal allowances, and catering for in-office, remote, and hybrid teams, setting stipends and spending limits from one dashboard instead of processing expense reports.
For every meal ordered on the platform, Sharebite donates an equivalent meal through nonprofit partners including Feeding America and City Harvest. The company says it has donated more than 18 million meals to date.
Its investors include Contour Venture Partners, Essential Capital, Lafayette Square, Liberty City Ventures, and Fiserv, the payments company on the 2026 Fortune 500. Sharebite raised a $39 million Series B round in 2022.
Rao, a former Credit Suisse investment banker, says the idea came from watching how other countries tackle food insecurity by “mobilizing private sectors to step in and help solve it.” He felt it was “high time for us to be able to implement something like that.”
He describes the company as his form of civic service, arguing that serving society, building a successful business, and drawing on the private sector are “all interwoven together.”
Why Rao points to Brazil
Rao’s favorite model is Brazil’s Workers’ Food Program, created in 1976. Companies that join receive tax incentives for feeding their employees, and the program now reaches about 22 million workers, according to Brazil’s Ministry of Labor and Employment.
“Meal benefits or meal vouchers are a standard practice in Brazil as a result,” Rao said.
He argues the U.S. should add food to the employer benefits framework that already covers health care and retirement, a change he says would support workers and stimulate small-business activity. Rao, who has written commentary for Fortune, made a similar case in a 2023 essay on hunger among American workers and again in a 2025 piece written as the record government shutdown ended.
The productivity case for feeding workers
The business argument rests partly on cost. Healthcare spending and lost productivity tied to poor diets and food insecurity exceed $1.1 trillion a year, according to a fact sheet from the Food is Medicine Institute at Tufts University.
Lunch has also become a lever in the return-to-office. Workers surveyed by Owl Labs said they would come back if employers covered commuting, childcare, and lunch and coffee, Fortune reported in 2023.
Rao says Sharebite’s job is aligning “a real business need with a much broader problem,” and credits his team with developing “solutions to solve those problems at that scale” as it works with larger customers.
Record months on a small team
Rao says demand is accelerating. “Last week was our best week ever in the company’s history. October was a record month for us. And it’s the same people who’ve been here for the last few years. Our headcount is small, but our business continues to grow,” he said.
He added that the business is more than 30 times larger than it was four-plus years ago.
After roughly a decade “building inside this category,” Rao doesn’t think the market has matured. In his view, it is “still at the early beginnings of this entire category.”
Updat 11/8/26: Valid again until January 31, 2027. Hat tip to reader Bockrr
Update 3/24/26: Deal is back until May 30, 2026
Offer extended to July 31, 2025
Update 11/19/23: Bonus is now $200 + be entered into the Grizzmas Floor Seats Drawing. Hat tip to Samantha
Update 1/8/22: Deal is back. Hat tip to reader Andrew D
Offer at a glance
Maximum bonus amount: $200 Mastercard gift card
Availability: Presumably TN only, but the reader who sent it in tried a dummy Alaska address and it seemed to accept it so YMMV? Update: Looks like they are requiring most people to go in branch to verify identity so make sure you have a branch not too far away [Branch locator]
Direct deposit required: Yes, must be full paycheck or government benefits
Additional requirements: Minimum opening deposit of $100+
Hard/soft pull: Unknown
ChexSystems: Unknown, ChexSystems sensitive
Credit card funding: None
Monthly fees: $3, avoidable
Early account termination fee: None
Household limit: One
Expiration date: Direct deposit must post and clear by June 30th, 2020 July 31st, 2020August 31, 2020 February 28, 2021
The Offer
Direct link to offer
Pinnacle Financial Partners is offering a checking bonus of up a $200 Mastercard gift card when you complete the following steps:
Open account online or in branch
Make a minimum deposit of $100
Set up a recurring direct deposit of your full payroll (or gov’t benefits) to your new account. One recurring direct deposit must post and clear your account by March 1, 2024
The Fine Print
Offer expires August 31, 2018.
This offer is for new Pinnacle checking households, or for households that have not had an open Pinnacle consumer checking account for at least 24 months.
Limit one bonus per household. Cannot be combined with other offers.
Must be 18 or older at time of account opening.
Offer is non-transferable.
Account is subject to approval.
To receive the $200 Mastercard® gift card, you must (1) open your account with $100, and (2) have at least one recurring direct deposit post and clear your account before Aug. 31, 2018.
Direct deposit is a recurring electronic deposit and must be your full payroll or government benefits.
The Mastercard gift card will be mailed to you via USPS within 2-4 weeks of meeting the qualified requirements.
Mastercard is a registered trademark of Mastercard International Incorporated.
Please note: there is a monthly inactivity fee of $2.95 after 12 months of inactivity on your Mastercard gift card.
Bonus will be reported as income on IRS Form 1099-INT and is valued at $200 total.
Avoiding Fees
The easiest account to keep fee free is the Grizzlies Basic Checking account, this has a $3 monthly service fee that is waived with eStatements. Fee schedule says there is no early account termination fee.
Our Verdict
Previously they have offered $100 in Grizzlies tickets or $200 in titans gear. This deal is much better as the $200 gift card is much more flexible. We need to know whether it’s a soft pull to open and how flexible they are on the direct deposit requirement (e.g do any work arounds work?) before knowing if this is a good deal or not. Maybe it’s possible to fund with a credit card as well? If anybody knows or has any experience with this bank then please share in the comments below. For now I won’t be adding it to the best bank bonuses due to all the unknowns but it has the potential to be a goood deal.
Big thanks to reader, Josh H who let us know. Learn how to find bonuses and contribute to the site here.
Useful posts regarding bank bonuses:
Post history:
Update 5/2/20: Deal is back and valid until June 30th, 2020.
While much of the conversation around AI has focused on the future of knowledge work, the technology is quietly transforming the physical world, too. We’re now seeing industries that make up the infrastructure of our planet—construction, utilities, waste management, and field services—use AI to improve the daily experiences of the millions of frontline workers who keep the economy running.
These are industries and jobs that are asset-heavy and labor-intensive and cannot be replaced by software. Keeping these operations running is expensive: in an analysis of our 10 largest publicly traded customers, nearly 80% of revenue went toward their operating costs, including labor, vehicles, equipment, maintenance, and fuel. Using AI to reduce those costs by just a few percentage points can save those businesses hundreds of millions of dollars.
For decades, physical operations have used technology to manage costs and complexity, often through point solutions like field service scheduling, routing, and maintenance software. But when data is scattered across disconnected systems and dependent on manual entry, it is difficult for decision makers to see, understand, and act on what is happening across an operation.
Cameras, equipment sensors, and connected platforms can now bring this operational data together. AI can analyze it and take action, resulting in practical and significant changes to how operations run each day.
Like other executives of large-scale businesses, those running physical operations make technology decisions with a close eye on return on investment (ROI). The savings are clear and measurable. An IDC study recently commissioned by Samsara found that our customers achieved an eightfold ROI through better equipment utilization and maintenance, fuel savings, and lower accident costs. AI can build on those gains by helping teams turn their data into smarter decisions about where to focus their time, equipment, and budget.
Here’s what that looks like in practice.
Putting Equipment to Better Use
Think about maintenance, which accounts for about 10% of an organization’s operating budget. Bonnie Plants, the nation’s largest herb and vegetable plant producer, uses AI to process maintenance invoices 10 times faster, freeing staff to focus on repairs.
But what if teams could also understand what actually needs service? Two pieces of equipment might follow the same maintenance schedule even though one runs every day and the other is rarely used. By analyzing engine hours, usage, and diagnostic data, AI can help teams determine what needs attention now and what can safely wait. That means maintenance time and budget can go where they’ll make the biggest difference.
The same thinking applies to getting equipment where it needs to go. Consider a generator that sits unused for months and then becomes essential when a hurricane strikes. The City of St. Petersburg, Fla., uses asset tracking to find generators and other equipment in seconds rather than days. With that visibility, AI could help teams identify an available generator, assess where it’s needed most, and coordinate getting it there.
Making Faster, Smarter Decisions in the Field
Thirty-nine percent of major U.S. roads are in poor or mediocre condition. For repair crews, the challenge is knowing where to start. The Road Commission of Kalamazoo County, Mich., uses AI to identify pavement defects across more than 1,200 miles of streets. Video, precise locations, and severity ratings help crews prioritize repairs and group nearby jobs, so they spend less time searching for potholes and more time fixing them.
Conditions on the road can also change in minutes. Physical operations teams navigate some of the most extreme weather: snowstorms, heavy rain, tornadoes. During Winter Storm Fern in 2026, Werner, one of the largest transportation and logistics companies in North America, used automatic weather alerts to get visual information about conditions to drivers faster while reducing manual messaging.
Now imagine taking that a step further. As a storm moves in, in-cab safety alerts for speeding or following other vehicles too closely are adjusted based on drivers’ routes and the equipment they’re operating. Managing this manually at scale would require a tremendous amount of work. With AI, this analysis can happen automatically, helping to keep drivers safe no matter how quickly conditions change.
These are just a few examples of how AI can help physical operations turn data into real-world impact and deliver hard savings in operating costs. When data comes together and is operationalized with AI, it unlocks value that wasn’t possible until now.
What was once a vision is becoming practical reality. For operations leaders, the time to put it to work is now.
Sanjit Biswas is CEO and Co-Founder of Samsara.
To see how tens of thousands of organizations are using AI to make better operational decisions, visitSamsara.com.
Michael Burry just bet a new big short against AI stocks.
Thanks to FSA Store® for sponsoring this video! Go to to start shopping.
Michael Burry has just announced his latest bets against the AI market, betting against major AI stocks Micron (MU), Nebius (NBIS), Nvidia (NVDA), Oracle (ORCL), and Palantir (PLTR). But his biggest bet right now is against SOXX, a semiconductor ETF and a bet against QQQ, which tracks the NASDAQ tech index.
In this video, we break down his latest shorts, the data behind his trades, and the three reasons he may be shorting the AI market, especially AI hardware stocks. We analyze what Burry may be seeing in the “AI circular economy,” where companies like Nvidia, OpenAI, and Oracle are investing in each other, creating what some investors call “fake growth.” We also examine how record technology CapEx spending, slowing cloud revenue growth, and margin debt levels are making the AI space more unstable. And we also look at how this setup echos previous market crashes, and how this unsustainable spending could result in a larger market crash.
My name’s Kuran Francis, and in this video you’ll see what Burry’s options positions really mean, why timing makes shorting risky even for professionals, and how his trades compare to past calls that made him hundreds of millions during market collapses. The video also explores counterarguments from analysts, AI executives, and investors who believe today’s AI leaders like Nvidia and Google are fundamentally different from the dot-com era. Finally, we look at how everyday investors can manage exposure to AI-heavy markets through diversification and long-term positioning.
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I am not a financial or investment advisor. Everything in this video is for entertainment purposes only. Links above include affiliate commission or referrals, and I receive compensation from partnering websites. The video is accurate as of the posting date but may not be accurate in the future.
A company’s value depends in part on how quickly it can restore critical operations after disruption.
Analysts should examine critical dependencies, tested recovery times, and the financial impact of downtime.
Recovery speed and costs should inform cash flow forecasts and help explain valuation differences among peers.
Traditional equity valuation rests on a quiet but powerful assumption: continuity.
Revenues are expected to grow, margins are assumed to normalize, and terminal values often imply that the business will continue operating without material interruption.
Discounted cash flow (DCF) models, relative valuation multiples, and even many risk premia rely on this premise.
But continuity is becoming a less reliable assumption.
Over the past decade, investors have repeatedly seen companies lose value not because demand disappeared permanently, but because their operating models could not absorb disruption quickly enough. Idiosyncratic events such as pandemic shutdowns, semiconductor shortages, cyber incidents, platform dependency shocks, energy price volatility, and geopolitical fragmentation have exposed a common weakness: many businesses are valued as stable systems.
In reality they are networks of fragile dependencies.
The valuation question therefore needs to change. Equity analysts should not ask only, “How profitable is this company under normal conditions?” but “How does this business behave under stress, and how quickly can it recover?”
A company that restores critical operations within days may preserve customer trust, continue to generate revenue, and maintain its long-term value. A company that requires months to recover may suffer contract losses, customer churn, regulatory scrutiny, and a de-rating.
From this vantage point then, resilience becomes a valuation variable, not an operational hiccough.
![[TN only] Pinnacle Financial Partners $200 Mastercard Checking Bonus](https://globalinvestmentstrategy.com/wp-content/uploads/2026/11/grizzlies-checking.png "[TN only] Pinnacle Financial Partners $200 Mastercard Checking Bonus")
