Gary Dek is a former investment banker and private equity analyst. Don’t hate him – he had nothing to do with the mortgage crisis and the recession. He writes at Gajizmo.com – check out his site sometime. There are excellent reasons for refinancing a home, but before deciding to do so, homeowners should be aware […]
The Oregon Public Health Insurance Experiment: Does Medicaid Work?
Whether you’re rich or poor, access to high quality healthcare is something that’s important to all of us. Since it can literally be a ‘life or death’ matter, there is always great debate over the topic and when it comes to health insurance. Generally, we know which side’s for what: Democrats want to see everyone […]
Guest Post: A Beginners Guide to Binary Options Trading
The following article is a guest post. If interested in submitting a guest post, please read my guest posting policy and then contact me. What Are Binary Options? Binary options are an exciting way of investing in the financial markets. They are also known as digital options or Fixed Return Options (FROs). A binary option is the right […]
Is There Such a Thing as Responsible Gambling?
Living in Souther California has it’s benefits, yet year after year I find myself making the same trek to the hot and arid Nevada desert. Las Vegas probably feels like a second home to a lot of SoCal’ers since it’s just an hour plane ride or a 5 hour drive away. But for me, I […]
How to Build and Promote Your Business
Most people wouldn’t think of me as a small business owner but I actually own two small businesses. They don’t have a physical presence or a storefront but they still count as small businesses in the eyes of the IRS. And although the income is only supplemental to the salary at my main job, it […]
How Much Should I Contribute to My 401(k)?
Four years ago, I knew very little about saving for retirement. But I didn’t need to know anything yet, since I had just graduated and I was more worried about getting a job than saving for retirement. Once I landed that great-paying job though and got my first paycheck, I had to decide how much […]
Part 2: Investing in a No Fee Lending Club Roth IRA
This is the second part in my series on investing in a Lending Club Roth IRA. You can read the first article here about Opening a No Fee Lending Club Roth IRA. Finding a Great Sign-Up Bonus Lending Club has always had some pretty solid sign-up bonuses. When I opened my account three years ago, […]
Part 1: Opening a No Fee Lending Club Roth IRA
I’ve been investing with Lending Club for three years now and my returns are still over 10%. I’ve developed a specific set of filters that I feel give me a distinct advantage over the average LC investor yet it’s nothing ground breaking. The average investor is doing pretty well according to Lending Club, but I […]
Interview With Andrew Boyd of Credit Card Compare
Since I tend to get a lot of questions in my inbox and search hits from Google on building credit and opening credit cards I’m going to be talking about it a lot this month. I’ve already answered a reader question on credit and I’ll be discussing my latest round of credit card applications(5 for […]
Comparison Shopping Online Before You Buy In-Store
If you do most of your shopping online like me, you’ll know that certain items were not made to be sold on the internet. I rarely buy things like dress shirts and pants online since it’s so tough to tell what type of cut a shirt is or how well a pair of pants will […]
Reader Question: Should I Close My Old Credit Cards and Open a New One?
One of the most popular articles on this site is an article I wrote last year about ‘piggybacking’ off someone’s credit(1,121 views in just the past month alone). In the article, I actually did a case study where I added my fiancee as an authorized user to my AMEX Gold card and compared her scores and […]
The Best Ways to Avoid Paying Taxes
Most articles around this time of year talk about what to do or not do with your tax refund. I’ve already talked about that, so instead I’m going to help you come up with ways to avoid paying taxes next year. I don’t mean stashing all your money in offshore savings account but we can […]
5 Ways to Save Money at Amusement Parks: Sea World San Diego
For some reason, the April showers haven’t quite hit San Diego like they normally do and the weather has been fantastic lately. Warm days and a nice breeze are why I love living in Socal and this past weekend I decided it would be a good time to take my sister(age 5) to Sea World. […]
Writing Off Moving Costs During Tax Time
The IRS provides a lot of deductions for hard working Americans like us but a lot of people are unaware of them or maybe scared of an audit. I say bring it on, as long as you have the receipts and proof to back it all up, you should take advantage of every deduction available […]
March CPI down 0.2%: May I Bond Rates Announced
On Tuesday, the labor department announced the latest CPI-U numbers. With these numbers, you can calculate the upcoming inflation portion of I bonds and determine whether it’s better to buy your bonds now or wait until May. As you may know, I bonds are composed of an inflation rate and a fixed rate. The fixed rate […]
Cash is King For Small Businesses
The following article is a guest post. If interested in submitting a guest post, please read my guest posting policy and then contact me. You hear the phrase “cash is king” talked about a lot in these credit-crunched times. But what’s really different about today’s low rate environment? Businesses survive on cash flow, it’s a bit like running […]
What is Bitcoin and Should You Invest in it?
If you’re like me, you’ve probably sent a peer to peer payment before. Whether its the monthly rent, or gambling debts owed to a friend, sending money through Paypal or similar services is pretty easy(and free!). Bitcoin essentially does the same thing but with its own currency. Yes that’s right, Bitcoin has its own currency […]
5 Ways to Make Buying in Bulk Work For Regular People
The following article is a guest post. If interested in submitting a guest post, please read my guest posting policy and then contact me. Buying items in bulk is almost always less expensive per unit than buying a single item. But a great deal in bulk is only a great deal if you eventually save money and spend […]
What Should I Do With My Bond Funds?
Bonds are an essential part of any diversified portfolio. Although we generally don’t expect the same high returns with bonds as we do with stocks, there is much less risk. Bond funds can be a great diversification tool since they have low correlation with stock funds. Essentially, that means that the health of the stock […]
Ever Taken Advantage of a Satisfaction Guarantee Offer?
“Satisfaction Guarantee” is a term that I hear thrown around a lot these days. My interpretation of that phrase is that if I’m not satisfied with any aspect of the service or product I receive, I’m entitled to a full refund. That seems like a pretty bold statement, doesn’t it? What business in their right […]
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