How Much Cash Should You Keep In Savings? (And Where Should You Keep It?)

They say everyone should have three-to-six months’ worth of expenses in an emergency fund. Unfortunately, if you follow this rule you probably have quite a bit of cash earning almost nothing in interest–and losing money to inflation. Where you save your money can be just as important as how much you have saved. Here’s what […]

A Fee-Free High-Interest Checking Account For Small Business Owners: Spark Business [Review]

I have been banking with Capital One for many years now—ever since Capital One purchased ING Direct in February of 2012. Though I have always been very pleased with Capital One’s higher APYs for savings accounts (at least compared to traditional brick-and-mortar banks), their ease-of-use, and their excellent customer service, I still only have those […]

Is AARP Worth it? Get These Awesome Benefits (Some Free) for People Under 50

At the YMCA where I used to work out, there was always a large stack of AARP magazines available for perusal during my 30 minutes on the elliptical or treadmill. Despite being in my 30s, it was always my favorite magazine to borrow for a workout—although I’d sometimes hide the cover like I was reading […]

3 Ways to Turn Your Kid into a Kidpreneur (Teach Entrepreneurship Without the Lemonade Stand)

PT’s Note: I have three kids and teaching them to have the confidence to run their own business one day is definitely one of my life’s goals. Here’s my friend Amanda L. Grossman from MoneyProdigy.com to share some excellent advice for us on this subject… I grew up on a dairy farm, in the middle […]

The Best Credit Cards in Canada for 2018 [By Card Type]

There’s no universal answer to the question, “What is the best credit card?” Much in the same way the best convertible coupe would be ill-suited for a family of four, the best travel rewards credit card would make little sense for someone who rarely travels abroad. Simply put, categories matter and selecting the best credit […]

Exit Your Timeshare Legally: Newton Group Transfers [Review]

Timeshares always seem like such a good idea when you are in the midst of one of those infamous, hours-long presentations. Not only can you imagine the joys of vacationing every year in a fabulous resort for a low, low price, but the sales tactics of timeshare salespeople can do a whammy on your rational […]

How I’m Using the QSEHRA [Managed by Take Command Health] to Deduct My Employees’ Healthcare Benefit

In this article, I’ll share how I set up a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) to deduct the healthcare expense reimbursement benefit I offer my three full-time employees. In short, this is how I help my team with their health care needs (and get a tax deduction for it) without having to buy […]

Beam (beta) Review: Is 4% Savings in a Gamified Banking App For Real?

I’ve been using since April 25th, 2018 and I can report that yes, as part of the beta test they did pay a nice baseline 2% APY on up to $15,000. That’s a top-tier rate as of June 2018, even if you compare it to other high-interest online accounts. I felt comfortable with my money […]

The Annuity You Can Start Funding When You’re Young (Blueprint Income’s Personal Pension)

This piece was sponsored by Blueprint Income. However, opinions expressed are our own. Unlike many working in the personal finance sphere, I have no plans to retire. I love my work as a freelance writer, and I intend to keep at it even if my fingers my fall off and I have to type with […]

18 Legit Work-From-Home Jobs with No Startup Fee

Back before the Internet connected us at all times, it was mostly reclusive novelists and temperamental artists who were able to truly work from home. Anyone who had the dream of being able to work in their pajamas was either stuck dreaming about it, or they fell victim to some sort of envelope-stuffing scam that […]

How to Organize Your Credit Cards and Conduct a Full Card Audit With This Simple Tracking Spreadsheet

If you’re like me, you’ve dabbled into the award travel game and found yourself with a wallet – or a desk drawer – full of credit cards; many of which you aren’t using anymore. This might have left you feeling disorganized, uneasy, and worried about making a mistake. If you’re not careful, you could end […]

Build Your Credit and Savings at the Same Time with Self Lender [It’s Legit!]

This post is brought to you by Self Lender. While this post was sponsored by Self Lender, all content and opinions expressed here are my own. PT’s note: I first heard about Self Lender when a close friend asked me, “hey, is Self Lender legit?” His wife wanted to start improving her credit and wanted […]

Get 100% Free Talk, Text & 4GB Data for One Penny with FreedomPop

This post is brought to you by FreedomPop. While this is a sponsored post, all content and opinions expressed here are my own. If you’re like me, you probably favor companies that you know are fighting for you? I’ve long been impressed by the offerings of FreedomPop, the no-really-we’re-not-kidding FREE mobile and Internet service provider […]

BillFixers Review: Why You Should Let Them Negotiate Your Bills

Editor’s note: PT here. I’m happily paying BillFixers $27 a month ($324 in total) for the next year. Why? Because they saved me a total of $648 on my Internet service with AT&T! To see how BillFixers could work for you, check out our full review below… Bills, bills, bills! They can seem never-ending. From […]

Buying a House will Slow Down Your Path to Financial Independence (But You Should Do it Anyway)

TLDR: buying a house isn’t the best way to build wealth – the stock market is better – but buying a home is still a great idea if you do it right. Buying a House is Still Part of Our “American Dream” Despite the buzz about renting being the new hottie, buying a home is […]