Good morning, Member

Surprise! Sethia here—didn’t expect my name to pop up this morning, did you? I’m just jumping in while our lovely Emerald enjoys her well-deserved holiday. Speaking of which, it’s only November, but the holiday itch is definitely alive and well! I keep telling myself to be calm and sensible… but those decoration boxes are calling my name! Do you start decorating early, or do you hold off until the last minute? Oh, and are you going for a theme this year? I’m taking notes (and maybe stealing ideas).

Before we jump into the nitty-gritty, let’s solve yesterday’s riddle. Here’s a refresher: I’m the bloom admired on nights out, with thorns but gentle petals all about. A fragrant gift that many hold sincere. What am I that often brings good cheer?

The answer is a rose! Kudos to our Riddle Masters who cracked it!

Now, let’s keep those brain gears turning! Unscramble this: S N A T E R O M N

Share your guesses in the forum, and your name might just land in tomorrow’s shout-out! As for today’s lineup, we’ve packed it with the essentials: How to check for your unclaimed credit card rewards, the newest scam targeting seniors, Amazon’s sneaky “Black Friday pricing trick”, and more!

News & Finance

• Before another year of reward dollars goes unused, make sure you’re not missing out on billions in credit card perks that could have been yours!

• Struggling with hair thinning? Nutrafol's Black Friday sale starts now.*

• Dining out soon? A new proposal in this US state could greatly change how your restaurant bill looks during peak season.

• One sharp-eyed shopper just caught Amazon pulling a sneaky “Black Friday pricing trick”. You’ll want to check your own cart after seeing this.

• Had trouble opening the T-Mobile offer yesterday? Don’t worry—this is the correct link.*

• Older Americans are being hit hardest by this new “Do you remember me?” scam. Google breaks down what you should watch out for.

Editor's Picks

What’s Got Everyone Talking

• Preserve family memories for life: Legacybox is running its best deal of the year for Black Friday and Cyber Monday.* Save 70%!

• One of TV’s familiar young faces from the ’50s and ’60s has passed. Now fans of Leave It to Beaver and The Twilight Zone are honoring their story.

• With long holiday lines testing everyone’s patience, there’s a little-known USPS option that helps you skip the wait entirely.

• Your heart works hard for you—return the favor with a tasty supplement helping seniors feel stronger. The best part? It’s now Buy 2, Get 2 FREE!

• A dairy product sold at Kroger has been recalled over an infection that’s more likely to harm older adults. See what to look for before digging in.

• “It’s been devastating.” Elton John opened up about a major health setback from last year, but said he’s far from giving up on better days ahead.

Good Foods & Kitchen Wisdom

• The CDC says skipping this common Thanksgiving prep habit could save your kitchen from a surprising mess. Will you try it this year?

• Big Macs, McNuggets… and pickle “Grinch Salt”? McDonald’s newest holiday meal is here to add some fun to your December.

• The US is getting its first taste of this first-of-its-kind “swicy” snack, and early fans are already “freaking out”. Are you excited to taste it?

• Looking to save time and money? These food chains are offering some of the best-priced Thanksgiving feasts of the year.

• But if time isn’t an issue, this recipe puts two in-season stars together in a comfort dessert that’s hard to resist.

• A trio of new dads gets some very unusual baby news in the delivery room—the last one had me rolling on the floor laughing!

Here’s an un-boring way to invest that billionaires have quietly leveraged for decades

If you have enough money that you think about buckets for your capital…

Ever invest in something you know will have low returns—just for the sake of diversifying?

CDs… Bonds… REITs… :(

Sure, these “boring” investments have some merits. But you probably overlooked one historically exclusive asset class:

It’s been famously leveraged by billionaires like Bezos and Gates, but just never been widely accessible until now.

It outpaced the S&P 500 (!) overall WITH low correlation to stocks, 1995 to 2025.*

It’s not private equity or real estate. Surprisingly, it’s postwar and contemporary art.

And since 2019, over 70,000 people have started investing in SHARES of artworks featuring legends like Banksy, Basquiat, and Picasso through a platform called Masterworks.

• 23 exits to date

• $1,245,000,000+ invested

• Annualized net returns like 17.6%, 17.8%, and 21.5%

My subscribers can SKIP their waitlist and invest in blue-chip art.

Just click this link

_{Investing involves risk. Past performance not indicative of future returns. Reg A disclosures at masterworks.com/cd}

Today’s Trivia

Fill In The Blank

Yesterday’s America

Today's (Grand)Dad Joke

A wife asked her husband for one favor, but what he did instead will have you laughing out loud. Think you’ve heard better? Post your jokes here!

Awww Of The Day

On This Day In History - January 9, 2026

Fascinating Fact Of The Day

Let's Save - Today's Deals

The plastic or metal tip on a shoelace is called an “aglet”.