Make Sure It’s Legal: A Cautionary Tale on Starting Your Own Small Business

Sometime during my elementary school days, my parents referred to me a "schemer". To their credit, that's probably how I would have described myself as I was always selling bubble gum, warheads (the candy, not the missile) and anything else I could buy in bulk and sell of at a profit. And even as I grew older, I've never stopped trying to carve out extra cash with unusual business ideas. My First Big Scheme While in college, one such idea was the re-selling … [Read more...]

The NFL is Teaching the World a Valuable Business Lesson

New rule: player that grabs the guy who catches the ball, has possession. I spent two+ hours last night watching the reaction of a football game that had already ended.  On Monday Night Football, the Seattle Seahawks defeated the Green Bay Packers by a score of 14-12 and anyone that watched the game could tell you the final score should have been Green Bay 12, Seattle 7.  The officials of the game incorrectly gave Seattle a final play touchdown they did not score, … [Read more...]

British Airways Signature Visa and Their 50,000 Avios Bonus

Since the turn of the year, credit card bonuses have been dwindling.  That's a fairly common thing to happen in the first two quarters of a year as issuers pump up offers around the holiday shopping season, then pull back.  That being said, Chase has just launched the first new big bonus of 2012 with the 100,000 Avios promo the British Airways Visa Card is offering. British Airways 50,000 Avios Bonus To be clear, the British Airways Visa Signature® Card also had an … [Read more...]

What a $25,000 Wedding Budget Looks Like [Spreadsheet + Tips to Save]

Last October, I decided to take the plunge and ask my girlfriend to marry me. She said yes, and just two weeks ago, we threw a lavish (at least that's how I would describe it) wedding in New Jersey. As if the day wasn't already filled with joy, PT and his lovely wife were able to attend! For those who haven't been married before, there's a lot that goes into planning a wedding. There's even more that goes into planning a … [Read more...]

American Express Personal Savings Account Review

If you've taken a look at the best high yield savings accounts, you know that interest rates are just pathetic.  Three years ago, I owned an Capital One 360 account which offered close to 4% APY and now it's impossible to find anything greater than 0.90% annually.  Only two banks today offer that kind of "quality" interest rate and one of them is the brand new American Express Personal Savings Account.  I decided to open up an online savings account with AMEX (I already … [Read more...]

Firstrade Review – Online Discount Broker

Founded in 1985, Firstrade is a privately owned discount stock broker located in Flushing, NY. The company was originally named First Flushing Securities, serving the local community and wasn't renamed to Firstrade until 1997. A few revamps later, with the last one being just a few months ago, you now have the new and improved Firstrade, where you can buy and sell stocks, bonds, options, mutual funds and ETFs via electronic trading, using your mobile phone and even over … [Read more...]

$50 Bonus on Capital One 360 Checking Accounts – ENDING SOON

Capital One 360 is in the business of helping people save money; in your case, they want to help you make more money just by opening up a checking account.  I personally bank with Capital One 360, and I use their 360 checking account as my primary checking account. Think having an online checking account isn't doable? Check out my banking setup to see how I roll. Capital One 360 is currently promoting a $50 bonus for the 360 checking. Now you can profit from signing up … [Read more...]

Zions Bank Online Savings Account Review

Zions Bank, member FDIC stands as one of the oldest banking institutions in the United States.  In fact, it's Utah's oldest bank, founded in 1873.  Zions Bank currently employs more than 2,700 individuals in the states of Utah and Idaho in 125 total branches.  And while the physical brick and mortar business of Zions has sustained them for more than 100 years, it's their online services that are now becoming more and more popular with savers and investors. Zions Bank … [Read more...]

3 Free Credit Scores From GoFreeCredit.com

Over the last 18 months, I've made a valiant effort to bring my credit score out of the dumps.  With a mountain of student loan debt and other debt from when I working a very low paying job, I found out my credit score was in the middle 400's. To be honest, I wouldn't be surprised if I have the lowest credit score of anyone reading this post today.  However with some hard work, in both my career and my budget, I've been able to raise my credit score to just under 600.  … [Read more...]

Slate℠ from Chase Review

One of the truly unique credit cards available today, Slate℠ from Chase has just bumped up their introductory offer, now providing an intro 0% APR on balance transfers AND purchases for up to 15 months as well as a $75 statement credit after you make $300 in purchases in your first 3 months.  While the 15 month balance transfer offer is only the third best offer in the market today, the intro rate and time frame on purchases is second best. Included in the Slate from … [Read more...]

A Review of APMEX – The American Precious Metals Exchange

There's been a lot of chatter about companies like Goldline and Cash4Gold ripping customers off by charging (and offering) outrageous prices for Gold.  As it stands today, Gold is trading for around $1,250 an ounce, making it a very rare commodity for traders and investors.  Silver on the other hand is trading at exactly $20 an ounce, meaning folks like you and me can buy and invest in larger quantities.  If you've been in the market for a place to buy Gold and Silver … [Read more...]