Credit Card Strategy in 2022
Editor's Note: This page contains references to products that I use and may receive compensation when you click on those links. Happy New Year everyone! With the new year, it's time…
The AMEX Dyad
Editor's note: Sign-up bonuses may not be valid in the future. I will try to keep this post as current as possible. Updated 10/31/21. Alright Frankie and Star Wars fans! I…
Consumer Spending in 2021
I watched a YouTube video by Nate O'Brien, a personal finance YouTube influencer, the other day about how he doesn't believe in sales/coupons and that got me thinking about consumer…
COVID-19 Pandemic: Mortgage Deferment vs. Forbearance
I realize that this post is late for most people, but I wanted to share it to raise awareness. This happened to one of my customers at work recently and…
Flat Tax Rates vs. Marginal Tax Rates
The 2020 US Election was the biggest voter turnout in US history and many people, including myself, thought it was one of the most important elections in our lifetimes. We…
Spending During The Holidays
Updated 12/12/21. Original post 12/3/20. Unfortunately, the COVID-19 Pandemic is still raging on. The holidays are coming up again and they are great for spending time with family and friends, but…
What Have I Learned During the COVID-19 Pandemic?
I think we can all agree that COVID-19 and the year 2020 sucks... We just lost the great Alex Trebek last week as he lost his battle with Stage 4…
How to Choose the Right Bank?
There are thousands of financial institutions in the U.S. offering a wide variety of banking products and services and choosing the right one can be overwhelming. There are national banks,…
Finances Template
Updated 1/15/22. Howdy folks! I wanted to refresh my Cash Flow and Budgeting post because in 2022 I decided to consolidate to make things less complicated and more efficient. So…
Interest-Only Mortgages Might Work For Some People, But Know The Risks
Whether you wanted relief for your mortgage payments because of Covid-19 or if you are in the market to buy a home and you need a loan. Many banks are…