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Best Ever Bonus! Earn 150K Points with Chase Sapphire Reserve


Chase Sapphire Reserve 150K Bonus

Chase has launched an increased welcome bonus for the Sapphire Reserve Card. New applicants can now earn a best ever bonus of 150,000 Ultimate Rewards points after spending $6,000 in three months. The offer is available through public links and referrals (share your referral in our Facebook Group). Check out the details of the Chase Sapphire Reserve card and this 150K bonus below.

Offer Details

  • Earn 150,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
  • Annual Fee: $795
  • APPLY NOW (our referral)

Bonus Eligibility

This credit card is unavailable to you if you currently have this card open. The new cardmember bonus may not be available to you if you previously held this card or received a new cardmember bonus for this card. We may also consider the number of cards you have opened and closed in determining your bonus eligibility.

Chase Sapphire Reserve 150K Bonus match

Chase Matching Bonus for Recent Applications

Chase is usually good at matching higher bonuses, if you have recently applied for an inferior offer. In this case the window is shorter than usual. There are a few datapoints already that Chase will match the new bonus for any Sapphire Reserve applications after April 20.

You can ask for a bonus match via phone or secure message. Let us know if it works out for you!

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Card Details

  • Earning Rates:

    • 8x Chase Travel bookings for hotels, cars and flights
    • 5x total points on Lyft rides through Sept 30, 2027
    • 4x on hotels and flights booked direct
    • 3x points on dining at restaurants worldwide, including eligible delivery.
    • 1x on all other purchases.

  • Travel Benefits

    • $300 Travel Credit
    • $500 The Edit Credit (2x$250): Starting January 1, 2026, enjoy up to $500 in automatic statement credits annually for prepaid bookings made with The Edit, with a maximum of $250 per transaction. Two-night minimum applies.
    • $250 Credit for Select Chase Travel Hotels: Starting January 1, 2026, get up to $250 in statement credits through December 1, 2026 on prepaid Chase Travel hotel bookings.
    • Complimentary access to every Chase Sapphire Lounge by The Club with up to two guests, plus access to 1,300+ Priority Pass airport lounges worldwide. Also get access to select Air Canada Maple Leaf Lounges and Air Canada Cafés in the U.S., Canada and Europe with an eligible boarding pass.
    • $120 Global Entry, TSA Precheck or Nexus credit every four years
    • $120 Lyft credit via $10/month
    • Complimentary IHG® Platinum Elite status until December 21, 2027
    • Points Boost Program for Chase Travel bookings
    • Transfer 1:1 to many Ultimate Reward travel partners

  • Dining Benefits

    • $300 dining credit ($150 semi-annually) and primetime reservations at Sapphire Reserve Exclusive Tables, available for booking on OpenTable 
    • $300 DoorDash credit via $25/month
    • $120 DoorDash membership

  • Lifestyle Benefits

    • Complimentary subscriptions to Apple TV+ and Apple Music
    • $300 annual StubHub credit on concert and event tickets
    • $120 Peloton credit via 10x $10/month

  • Other Perks

    • Visa Infinite perks
    • No Foreign Transaction Fees
    • Pay Yourself Back (up to 1.5¢ redemption for Ultimate Rewards points)

  • After spending $75,000, you get:

    • $500 Southwest credit
    • Southwest A-List status
    • IHG One Rewards Diamond Elite Status
    • $250 credit for purchases at The Shops at Chase

  • Annual Fee:

    • Primary cardholder: $795 
    • Authorized users: $195 

APPLY NOW

Guru’s Wrap-up

This is a great bonus and the highest we have seen for the Chase Sapphire Reserve card. You earn 150,000 Ultimate Rewards points and the spending requirement is still at $6,000.

Even with an annual fee of $795, your are still getting a value of $1,000 or more for the first year. Add to that the many benefits that come with the card, and this becomes a no-brainer. After the first year, you then need to take a look at which benefits have any real value for you, and decide if you want to keep the card long terms.

Those who have a Chase Sapphire card can also earn a referral bonus of 15,000 points for every successful referral. You can share referrals in our Facebook Group.

Now You Can Choose FICO or VantageScore for Your Next Mortgage Approval


Mortgage applicants can now qualify for a home loan with VantageScore.

For years, the industry has relied solely upon FICO scores to determine pricing and eligibility.

But due to a recent policy change, both Fannie Mae and Freddie Mac will now accept FICO scores or the new VantageScore.

In addition, the option will soon roll out to FHA loans as well, giving lenders and borrowers more options when it comes to credit scoring.

Top lender UWM’s new policy offers the choice to use either score, whichever is more favorable.

VantageScore Already Being Used by Lenders to Decision Mortgages

A week ago, HUD Secretary Scott Turner and FHFA Director William J. Pulte jointly announced the implementation of the “first new credit score models for mortgages in decades.”

This advanced the Credit Score Competition Act of 2018 as signed by President Trump during his first term.

It allows for the use of both VantageScore 4.0 and the newer FICO Score 10T.

And just like that, lenders are off to the races, which is nice to see, thanks to an immediate updating of selling guides by Fannie Mae and Freddie Mac.

However, it remains in a sort of pilot mode at the moment because VantageScore is still fairly untested and a lot is at stake.

To address that concern, the nation’s largest mortgage lender, United Wholesale Mortgage, is offering the new score with a major caveat.

VantageScore Must Be Reduced By 20 Points to Be Used

While UWM is taking the lead on this, as they should be being the top mortgage lender of 2025, they are doing so with guardrails.

Instead of taking the new score at face value, it will be reduced by 20 points to compensate for the lack of historical data and usage.

But all mortgage broker partners who use the company’s No-Cost Credit Report will see both models run simultaneously, automatically.

So there’s nothing that needs to be done to gain access. Brokers get to see both scores, then use the one that’s most favorable.

Let’s take an example where a borrower has a mid-score of 740 for VantageScore (mortgage lenders pull three credit scores but use your mid-score).

It would be reduced to 720 under UWM’s rules.

However, that could still better the borrower’s middle FICO score of 716, enabling cheaper pricing and/or easier qualifying.

As such, borrowers who already qualify with FICO but have a higher VantageScore could achieve a more favorable outcome due to lower loan-level price adjustments (LLPAs).

For the record, this only applies to conventional loans backed by Fannie and Freddie and the max loan-to-value ratio (LTV) is 80%.

Over time, it might expand to other products, such as FHA loans, and perhaps allow for higher LTVs as well.

Are There Gamification Concerns with Two Credit Scoring Models Available?

There have been concerns that lenders and mortgage brokers will attempt to gamify the system by using whichever score is higher.

So they can pull both and then go with the one that provides better pricing or easier qualifying.

But it appears UWM is taking the lead on that and imposing the 20-point lender overlay to ensure it’s not the case.

It’s not clear yet whether the VantageScore is less predictive than FICO, or if they tend to come in higher.

However, given the lack of history with VantageScore, it appears UWM decided to get ahead of it to avoid any controversy.

Chances are both scores will come in similarly, and even if VantageScore is significantly higher, somehow, the 20-point haircut should even the playing field.

There will of course be cases where it’ll be opportunistic to use one or the other, especially if the VantageScore is lower (and needs to be reduced another 20 points).

Either way, it’s nice to see the end of a monopoly and more choice when it comes to credit scores for mortgages.

Colin Robertson
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House approves bill to fund DHS after warnings of the TSA running out of funds, but leaves out ICE



After weeks of delay, the House voted Thursday to fund much of the Department of Homeland Security, but not its immigration enforcement operations, and send the bipartisan package to President Donald Trump to sign, ending the longest agency shutdown in history.

The White House had warned that temporary funding Trump had tapped to pay Transportation Security Administration and other agency personnel would “soon run out,” and that sparked new threats of airport disruptions.

DHS has been without routine funds since Feb. 14, causing hardship for workers, though much of Trump’s immigration agenda that is central to the dispute is being funded separately.

“It is about damn time,” said Rep. Rosa DeLauro of Connecticut, the top Democrat on the House Appropriations Committee, who proposed the bill more than 70 days ago.

The House swiftly voted by voice, without a formal roll call, to pass the measure. It was an abrupt end to the standoff that began months ago, after Trump’s deadly immigration crackdown in Minneapolis launched a reckoning on Capitol Hill over the money being sent to fuel the president’s agenda.

Trump’s deportation strategy fueled the dispute

Democrats refused to fund U.S. Immigration and Customs Enforcement and the Border Patrol without changes to those operations after the fatal shootings of two U.S. citizens by federal agents during protests against the immigration actions in Minneapolis. Republicans would not go along with a plan pushed by Democrats to fund TSA and the other parts of DHS without the money for ICE and Border Patrol.

While the Senate unanimously approved the bipartisan package a month ago, the bill languished in the House.

Johnson, R-La., himself had just last month called the bill a “joke.”

To break the impasse, Republicans in both the House and Senate decided to tackle the immigration enforcement funding on their own through what is called budget reconciliation, a cumbersome weekslong process ahead.

By beginning that budget process Johnson was able to unlock a broader bipartisan bill for TSA agents and the rest of DHS. House Republicans late Wednesday adopted budget resolution on a largely party-line vote, 215-211, that is focused on eventually providing $70 billion for immigration enforcement and deportations for the remainder of Trump’s time in office and ensure Democrats can no longer block funding. Trump’s term ends in January 2029.

Johnson acknowledged after the vote that he had trashed the bill before. But he said that with the new budget process for funding immigration enforcement on its own, he was ready to pass it “with no crazy Democrat reforms.”

One key Republican, Rep. Chip Roy of Texas, said isolating the immigration-related money on a separate track is “offensive to the men and women who serve in ICE and Border Patrol, and are serving this country every single day.”

White House warning

The White House urged Congress this week to act, warning that the money Trump tapped to temporarily pay TSA and other workers through executive actions was drying up.

“DHS will soon run out of critical operating funds, placing essential personnel and operations at risk,” said a memo Tuesday from the Office of Management and Budget. Most of its employees are considered essential and have remained on the job.

Paychecks at risk again

Immigration enforcement workers have largely been paid through the flush of new cash — some $170 billion — that Congress approved as part of Trump’s tax cuts bill last year. Others, including at the TSA, have had to rely on Trump’s intervention through executive action to ensure their paychecks.

But with salaries topping $1.6 billion every two weeks, DHS Secretary Markwayne Mullin said recently, those funds were dwindling.

More than 1,000 TSA officers have quit since the shutdown began, according to Airlines for America, the U.S. airlines trade group that on Wednesday called on Congress to fully fund the Cabinet department.

“The urgency to provide predictable and stable funding for TSA is growing stronger by the day,” the group said in a statement. “Time and time again, our nation’s aviation workers and customers have been the victim of Congress’ failure to do their jobs.”

Complicated budget strategy ahead

The go-it-alone strategy under the budget resolution process is the same that was used last year to approve Trump’s tax cuts bill, which all Democrats opposed.

With the budget resolution now adopted by the House and Senate, lawmakers will next draft the actual $70 billion ICE and Border Patrol funding bill, with voting expected in May.

Trump has said he wants it on his desk by June 1.

___

Associated Press writer Rio Yamat in Las Vegas contributed to this report.

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Capital Preservation Wealth | EI Blog


Understanding the mathematics of loss must ultimately translate into portfolio construction. Not all defensive assets offer the same quality of protection. Conflating perceived safety with genuine downside resilience is a costly mistake. US Treasuries, for example, carry structural, battle-tested protection: deep liquidity, government backing, and a proven track record of holding value during equity drawdowns.

Private credit, by contrast, may offer attractive yields but can mask risk through illiquidity and limited price transparency. In periods of severe stress, it may not reprice in the same way as public markets. Instead, liquidity can become constrained.

This is a critical distinction. Truly asset-backed investments, where hard collateral such as real property, equipment, or receivables underpins value, provide a more concrete and legally enforceable floor on recovery. Cash flow projections alone are not collateral.

*Wealthspring Capital LLC (WSC) is an SEC-registered investment adviser. Registration with the SEC does not imply a certain level of skill or training. Information presented in this article is for educational purposes only and does not constitute individualized investment advice. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results.

‘The national debt is now larger than the economy’: Watchdog marks milestone for $39 trillion burden



The United States has crossed a grim threshold: the national debt now exceeds the size of the entire American economy. As of March 31, debt held by the public stood at $31.27 trillion, while nominal GDP over the prior 12-month period was an estimated $31.22 trillion — pushing the debt-to-GDP ratio to 100.2%, according to a press release issued Thursday by the Committee for a Responsible Federal Budget (CRFB), based on new data from the Bureau of Economic Analysis.

Total gross national debt — including intragovernmental obligations — has already surpassed $39 trillion, a figure that amounts to roughly $114,000 per American or $289,000 per household, according to the Senate Joint Economic Committee’s monthly debt update as of April 3, 2026.

“It’s happened — the national debt is now larger than the U.S. economy, about twice the historic average,” said Maya MacGuineas, president of the CRFB. “We’ve heard plenty of alarm bells in the past few years about our fiscal path, but this one rings especially loudly. The real question is whether or not our leaders in Washington will listen.”

Record that shouldn’t be broken

The 100% milestone puts the U.S. on a collision course with its all-time high: the 106% debt-to-GDP ratio reached in 1946, in the immediate aftermath of World War II. The difference, MacGuineas argued, is stark. That peak was the result of financing the largest military mobilization in American history. Today’s debt, she said, “isn’t borne from a seismic global conflict, but rather a total bipartisan abdication of making hard choices.”

The Congressional Budget Office warned in February that, under current trajectories, debt held by the public will rise to 108% of GDP by 2030 — surpassing the postwar record — and balloon to 120% by 2036. One independent macro model places gross federal debt — a broader measure — even higher, at nearly 126% of GDP by year’s end.

No easy exits

The CRFB’s MacGuineas called for what she termed “Super PAYGO” — a fiscal rule that would require any new spending or tax cuts to be offset by twice the amount in savings — as a first step. But she acknowledged that stabilizing the debt-to-GDP ratio would require far more: approximately $10 trillion in total deficit reduction. One widely discussed benchmark is bringing annual deficits below 3% of GDP, a target that has attracted bipartisan interest but no concrete legislative path.

The Senate did adopt a Fiscal Year 2026 budget resolution last week, a step the CRFB called “about a year too late” and one that includes no plan to address the country’s structural deficit problem. President Trump’s proposed Fiscal Year 2027 budget, released in early April, would increase defense spending by over 40% while cutting non-defense discretionary programs — but would still leave the debt-to-GDP ratio above 100% throughout the forecast window.

“The higher we allow our debt to grow, the more we erode our own prosperity and that of future generations,” MacGuineas said. “There is no time to lose.”

For this story, Fortune journalists used generative AI as a research tool. An editor verified the accuracy of the information before publishing.

EarnIn: $70 Referral Bonus Or $50 Finder Bonus


The Offer

Direct link to offers | Finder | Find & share Your Referrals in this linked post

  • EarnIn is currently offering two sign up bonuses that don’t stack:
    • Finder: $50 bonus when you open your first EarnIn account and complete a cashout
    • Referral bonus: Person referring receives a $75 bonus, person being referred receives a bonus of up to $70:
      • $35 for Cash Out
      • $35 for Early Pay 

The Fine Print

  1. Cash Out – you successfully complete your first transfer out. 
  2. Early Pay – you successfully provide a first Qualifying Direct Deposit of: 
    1. $250 per pay period if paid weekly,
    2. $500 per pay period if paid bi-weekly, or
    3. $1,000 per pay period if paid monthly.

Our Verdict

Looks like the referral bonus also requires setting up a tip yourself account. EarnIn from what I can tell is basically a pay day loan provider doing their very best to not say that. From what I can tell the minimum fees you’d pay to do the cash out are $1.99 and $2.99 for early pay. You can also tip the service (no idea why you’d ever want to do that). As long as you don’t use the card there should be no credit inquiry done. Find and share your referrals in this linked post.

India’s gold share in forex reserves climbs to 16.7%




India’s gold share in forex reserves climbs to 16.7%

Amnesty International report warns of deepening Indigenous people’s housing crisis




A new report by Amnesty International warns that overcrowded and unsafe housing in an Atikamekw community north of Montreal reflects a broader crisis putting Indigenous people’s health, safety and rights at risk across Canada.

Best & Worst MBA Specialisations in 2025 🔥 | Jobs, Salaries & more! #mba #mbaspecialisation #jobs



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