hero-pt2

Hi, I'm PT.

This is my money blog.

I'm dedicated to helping you fix your finances and build the life you want.

I'll help you learn the steps you need to take and find the tools you need to use on your way toward financial freedom.

Philip Taylor "PT" CPA, Blogger,
& Entrepreneur
Find the best financial tools available today

Opting for Student Loans? Here’s How to Make the Most of the Transaction

These days, student loans are getting a bad rap. Collectively this is probably justified given the job market, high volume of students borrowing and rising costs. But for the well-informed, a federally subsidized student loan for a solid degree can be a huge win. If you or your kids will be taking on student loans, […]

Barclaycard Arrival Plus World Elite MasterCard – 50,000 Bonus Miles Review

(Update – 50,000 Bonus Point Promo!) When I started a new job in affiliate marketing back in 2007, the rage was all about credit card bonuses.  At that time, issuers were falling over themselves to give away money up-front; with good reason.  Cardholders would charge themselves into bankruptcy and the money made would be tremendous. […]

Republic Wireless Review: It’s Time to Leave AT&T and the iPhone Behind

I left my big name cell phone service provider back in 2014 and haven’t looked back since. I was tired of paying so much for cell phone service! I thought there had to be a better way. What stopped me from making a change initially was the iPhone. I just didn’t think I could leave it. […]

Who Can Join USAA and What Services Do They Offer?

Membership with USAA has its perks.  As one of America’s best and most trusted banks, USAA offers excellent customer service, a laundry list of competitive banking products, and cutting edge banking technology to members of the military and their families. Taking care of military families has always been USAA’s primary concern, which is why civilians […]

Xero vs. QuickBooks: Which Accounting Software Will Work Best for Your Small Business?

If you haven’t taken any classes in accounting, using QuickBooks can feel overwhelming. People with accounting backgrounds love the software, but it lacks some user-friendliness for those outside of the accounting profession. Since QuickBooks has been the giant in the small business accounting industry for many years, the choices for keeping the books were limited. Thankfully, the […]

5 Legit Paid Survey Sites to Make Some Extra Money

You have probably seen the advertisements for paid survey sites in various corners of the Internet. These ads make pretty big promises: Get paid to take surveys! Earn big money in your spare time! No money to join! It’s easy to have a cynical reaction to such promises. There are a lot of scams out […]

The Best Automatic Savings Apps to Grow Your Wealth in 2016

Saving money has a lot in common with flossing: you know it’s important, professionals wag their fingers at you when they find out you’ve been neglecting it, and it seems like a major pain to get in the habit of doing. Luckily for reluctant savers, technology has come to the rescue in the form of automatic […]

Sallie Mae Upromise MasterCard Review

Many moons ago, while in high school, I was turned onto the Upromise program by my Aunt, who was a high school teacher.  I signed up immediately, had my family members sign up immediately but this being over a decade ago (and online shopping not what it has become), I didn’t gain much traction.  My […]

Betterment Review 2016: We’re [Still] All Investors Now

Update: This comprehensive review now includes the latest on the revolutionary personal investing service, Betterment. Betterment is investing for the masses. If online brokers like E*Trade were a revolution for the do-it-yourself investor, then Betterment is part two of that revolution.  Their goal: get even more people to invest their money (vs parking it in […]

FreedomPop Review: Truly Free Mobile and Internet Service

Back in the early dark ages of the Internet, when you still had to dial up to get online, I once naively declared that online access should be free, and that I would never pay for Internet. I have eaten those words on a monthly basis for some time now, but I was reminded of […]

Personal Capital: Manage All of Your Financial Accounts in One Place

If you are looking for a one-stop-shop for all of your financial needs, from budgeting software to investment advice, look no further than Personal Capital. This online investment and wealth management platform offers you a comprehensive program for managing every aspect of your money, whether you are just learning how to budget or you are […]

Citi® Hilton HHonors™ Visa Signature® Card 75,000 Bonus Review

(Limited time 75,000 Promo!) If you’ve ever stayed at a Hilton hotel, you know that in terms of ambiance and overall experience, it’s a touch above the rest.  I’ve had the pleasure of staying in a few different Hilton hotels over the years (always at someone else’s expense!) and I’m always disappointed that I can’t […]