# Personal Profitability

> Personal finance for hustlers and entrepreneurs

> Generated by All in One SEO v5.0.4, this is an llms.txt file, used by LLMs to index the site.

## Sitemaps

- [XML Sitemap](https://personalprofitability.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Personal Profitability Blog](https://personalprofitability.com/blog/)
- [How Does a Money Market Account Work? Rates, Safety, and Rules](https://personalprofitability.com/how-does-a-money-market-account-work/): How does a money market account work? Learn how interest, FDIC insurance, withdrawal rules, and fees work, and how an MMA differs from a money market fund.
- [3 Paycheck Months 2027: How to Find Yours and What to Do With the Extra Check](https://personalprofitability.com/3-paycheck-months-2027/): Your 3 paycheck months 2027 depend on your payday weekday. Find yours in the full biweekly and weekly tables, plus smart moves for the extra check.
- [Is Buy Now Pay Later a Good Idea?](https://personalprofitability.com/is-buy-now-pay-later-a-good-idea/): Is buy now pay later a good idea? Sometimes, if you could pay today and run one plan at a time. See the late-fee risks and when a credit card wins.
- [Best Invoice App for Freelancers: 10 Apps Compared (2026)](https://personalprofitability.com/best-invoice-app-for-freelancers/): The best invoice app for freelancers is Wave, with unlimited free invoices and a fee only when a client pays online. Compare nine more apps and their fees.
- [The 10 Best Accounting Apps for Freelancers (2026)](https://personalprofitability.com/best-accounting-apps-for-freelancers/): The best accounting apps for freelancers in 2026: QuickBooks for most people, Wave for $0, FreshBooks for invoicing. Prices checked on each vendor's site.
- [The 10 Best HSA Apps for Tracking Receipts and Reimbursements (2026)](https://personalprofitability.com/best-hsa-apps/): The best HSA apps for 2026 start with HSA Tracker for saving receipts and reimbursing yourself tax-free later. See 10 picks with prices and one catch each.
- [HSA vs FSA: Which Account Is Better for You in 2027?](https://personalprofitability.com/hsa-vs-fsa/): HSA vs FSA explained: compare ownership, rollover, and the 2026 and 2027 IRS limits, plus how to pick the right account at open enrollment.
- [How Do I Bonds Work? Rates, Limits, and Rules](https://personalprofitability.com/how-do-i-bonds-work/): How do I bonds work? They pay a fixed rate plus an inflation rate, cap purchases at $10,000 a year, and lock your cash up for 12 months.
- [How Does a Certificate of Deposit Work? A Plain-English Guide](https://personalprofitability.com/how-does-a-certificate-of-deposit-work/): How does a certificate of deposit work? You lock cash in for a fixed term at a fixed rate. See how CDs pay, what breaking one costs, and how interest is taxed.
- [Money and Dating: How To Navigate Finances While Pursuing Romance](https://personalprofitability.com/money-and-dating/): Money and dating can be tricky to navigate. Here's the scoop on how to handle money and dating like an expert.
- [The Complete Beginner Guide to Personal Financial Statements](https://personalprofitability.com/personal-financial-statements/): Personal financial statements help you run your money like a business. Follow along with this guide to personal financial statements to get profitable.
- [The Complete Beginner Guide to Budgeting](https://personalprofitability.com/complete-beginner-guide-to-budgeting/): This guide to budgeting for beginners will get you started on the path to personal finance success. Check out some useful money tips here!
- [The Challenges of Trying to Get Ahead](https://personalprofitability.com/the-challenges-of-trying-to-get-ahead/): Getting ahead financially is not easy, but with hard work and good planning, there is nothing holding you back from success when trying to get ahead.
- [How to Start a Side Hustle With No Money](https://personalprofitability.com/how-to-start-a-side-hustle-with-no-money/): Here's how to start a side hustle with no money: sell a skill you already have, land one paying client first, and reinvest before you spend on tools.
- [How to Budget With Irregular Income (A Simple System That Works)](https://personalprofitability.com/how-to-budget-with-irregular-income/): Learn how to budget with irregular income: plan around your lowest month, pay yourself a fixed salary from a holding account, and set taxes aside first.
- [How Do Treasury Bills Work? Terms, Taxes, and How to Buy](https://personalprofitability.com/how-do-treasury-bills-work/): How do treasury bills work? You buy a government bill below face value and collect the full amount at maturity. Terms, taxes, and how to buy.
- [How to Pay Quarterly Estimated Taxes (2026 Guide)](https://personalprofitability.com/how-to-pay-quarterly-estimated-taxes/): How to pay quarterly estimated taxes in 2026: who owes them, the four IRS due dates, how much to send each quarter, and the fastest free ways to pay.
- [SEP IRA vs Solo 401k: Which Is Better in 2026?](https://personalprofitability.com/sep-ira-vs-solo-401k/): SEP IRA vs Solo 401k for the self-employed: a Solo 401(k) often lets you save more, a SEP is simpler. See the 2026 limits and how to choose.
- [Home Office Deduction: How It Works for the Self-Employed (2026)](https://personalprofitability.com/home-office-deduction/): The home office deduction lets self-employed people write off part of their home. Here's how the simplified and regular methods work in 2026, with IRS rules.
- [LLC vs Sole Proprietor: Which Should You Choose in 2026?](https://personalprofitability.com/llc-vs-sole-proprietor/): LLC vs sole proprietor: a sole proprietor is the free default, an LLC adds personal liability protection for a state fee. How to choose, with 2026 tax facts.
- [How to Build Credit From Scratch: A Step-by-Step Guide](https://personalprofitability.com/how-to-build-credit-from-scratch/): Here's how to build credit from scratch: open a secured card or credit-builder loan that reports to the bureaus, pay on time, and keep your balances low.
- [The 50/30/20 Budget Rule Explained (And How to Use It With Variable Income)](https://personalprofitability.com/50-30-20-budget-rule/): The 50/30/20 budget rule splits take-home into 50% needs, 30% wants, and 20% savings. Here is how to calculate your numbers and use it with a variable income.
- [How to Price Your Freelance Work: Set Rates That Pay You What You're Worth](https://personalprofitability.com/how-to-price-your-freelance-work/): Here's how to price your freelance work: calculate your minimum rate from income, taxes, and costs, then research what clients in your field actually pay.
- [Self-Employment Tax Explained: A 2026 Guide](https://personalprofitability.com/self-employment-tax-explained/): Self-employment tax is the 15.3% tax on net self-employment income that covers Social Security and Medicare for freelancers and independent contractors. Here's exactly how it works, how to calculate it, and how to reduce it.
- [Debt Snowball vs Avalanche: Which Payoff Method Is Right for You?](https://personalprofitability.com/debt-snowball-vs-avalanche/): Debt snowball vs avalanche: snowball pays smallest balance first, avalanche targets high interest. Here’s which debt repayment method gets you debt-free faster.
- [Roth IRA for Beginners: Your 2026 Complete Guide](https://personalprofitability.com/roth-ira-for-beginners/): A Roth IRA for beginners: 2026 contribution limits of $7,500, income phase-out rules, how to open one, and the best investments for tax-free growth.
- [What Credit Score Do You Start With?](https://personalprofitability.com/what-credit-score-do-you-start-with/): What credit score do you start with? None. Your score does not exist until your file has history. Here is when your first score appears and what it looks like.
- [How to Pay Yourself as a Business Owner](https://personalprofitability.com/how-to-pay-yourself-as-a-business-owner/): Here's how to pay yourself as a business owner: match salary, draw, or distribution to your structure, then set aside taxes so payday never surprises you.
- [Zero-Based Budgeting: How It Works and How to Build One](https://personalprofitability.com/zero-based-budgeting/): Give every dollar a job before the month starts, that is zero-based budgeting. Here is how to build one, a real example, and how it stacks up to 50/30/20.
- [How Does a High-Yield Savings Account Work?](https://personalprofitability.com/how-does-a-high-yield-savings-account-work/): How does a high-yield savings account work? Here is how the APY, the FDIC insurance, and the daily compounding add up, plus how to open one.
- [Self-Employed Health Insurance Deduction: How It Works and What You Can Claim](https://personalprofitability.com/self-employed-health-insurance-deduction/): Here's how the self-employed health insurance deduction works, who qualifies, what counts, and how to claim it right on Schedule 1, line 17.
- [AI Side Hustles That Actually Make Money in 2026](https://personalprofitability.com/ai-side-hustles-that-actually-make-money/): AI side hustles that actually make money sell a finished result, not raw AI output. See 6 real ones, what they pay, and what you owe the IRS.
- [What to Do When a Family Member Opens a Credit Card in Your Name](https://personalprofitability.com/family-member-opened-a-credit-card-in-your-name/): If a family member opened a credit card in your name, you're usually not liable if you act fast. Freeze your credit, dispute it, and file a free FTC report.
- [Crypto Taxes Explained: A 2026 Guide to Reporting Gains and Losses](https://personalprofitability.com/crypto-taxes-explained/): Crypto taxes explained: what counts as taxable, the 2026 capital gains brackets, how to report gains and losses, and how a bad year can cut your bill.
- [HSA as a Retirement Account: A 2026 Guide to the Triple Tax Break](https://personalprofitability.com/hsa-as-a-retirement-account/): An HSA can double as a retirement account if you invest it. Here's the triple tax break, the 2026 limits, and the receipt trick that pays off later.
- [How to Get Overdraft Fees Refunded: A Step-by-Step Guide](https://personalprofitability.com/how-to-get-overdraft-fees-refunded/): Here's how to get overdraft fees refunded: call fast, name the charge, ask for a courtesy waiver. The exact script, your rights, and what to do if they say no.
- [How Does an Employee Stock Purchase Plan Work? A 2026 Guide](https://personalprofitability.com/how-does-an-employee-stock-purchase-plan-work/): How does an employee stock purchase plan work? You buy company stock at up to a 15% payroll discount, then owe tax based on how long you hold the shares.
- [Crypto vs Index Funds: Which One Actually Belongs in Your Portfolio?](https://personalprofitability.com/crypto-vs-index-funds/): Crypto vs index funds: index funds should anchor your portfolio, and crypto, if you use it, stays a small side bet. Here's the real risk and tax difference.
- [House Hacking for Beginners: How It Works and How to Get Started](https://personalprofitability.com/house-hacking-for-beginners/): House hacking for beginners: buy a multi-unit home, live in one unit, and rent the rest to cover your mortgage with an FHA, VA, or conventional loan.
- [How to Buy Bitcoin for Beginners: 2026 Guide](https://personalprofitability.com/how-to-buy-bitcoin-for-beginners/): Here's how to buy Bitcoin for beginners: pick a regulated exchange, verify your identity, fund by bank transfer, and place a small first order safely.
- [Mega Backdoor Roth: How It Works and Who Should Use It in 2026](https://personalprofitability.com/mega-backdoor-roth/): A mega backdoor Roth moves up to $72,000 into tax-free Roth accounts in 2026 by converting after-tax 401(k) contributions past the $24,500 limit.
- [1099 vs W2: Which Is Better for You in 2026?](https://personalprofitability.com/1099-vs-w2/): 1099 vs w2 comes down to control versus security. See the real tax math, the benefits gap, and the new 2026 reporting rules before you pick a side.
- [Tax Deductions for 1099 Contractors: The Complete 2026 Guide](https://personalprofitability.com/tax-deductions-for-1099-contractors/): Here's the full list of tax deductions for 1099 contractors, from the home office and mileage to health insurance, plus the 1099 rules that changed for 2026.
- [How to Start a Blog to Make Money](https://personalprofitability.com/how-to-start-a-blog-to-make-money/): Here's how to start a blog to make money: pick a profitable niche, self-host from day one, publish consistently, and add income once you have real traffic.
- [Business Mileage Deduction: How to Claim It in 2026](https://personalprofitability.com/business-mileage-deduction/): The 2026 business mileage deduction is 72.5 cents through June, 76 cents after. Here's how to calculate, log, and claim it.
- [How to Become a Virtual Assistant With No Experience](https://personalprofitability.com/how-to-become-a-virtual-assistant-with-no-experience/): Here's how to become a virtual assistant with no experience: pick a skill you use daily, land your first client, and price your work with real Upwork rate data.
- [How to Lower Your Credit Utilization Ratio](https://personalprofitability.com/how-to-lower-your-credit-utilization-ratio/): Here's how to lower your credit utilization ratio: pay down balances before your statement closes, spread charges across cards, and ask for a limit increase.
- [Do You Have to Pay Taxes on Venmo and Cash App Money? The 2026 Rule](https://personalprofitability.com/do-you-have-to-pay-taxes-on-venmo-and-cash-app/): Do you have to pay taxes on Venmo and Cash App money? Here's the 2026 IRS 1099-K threshold, what's taxable, and what to do if you get a form by mistake.
- [How to Fire Your Financial Advisor](https://personalprofitability.com/how-to-fire-your-financial-advisor/): Here's how to fire your financial advisor: notify them in writing, then move your accounts with a tax-free in-kind transfer. Steps and timing inside.
- [QBI Deduction for Freelancers: How the 20% Tax Break Works](https://personalprofitability.com/qbi-deduction-for-freelancers/): The QBI deduction for freelancers lets self-employed workers deduct up to 20% of net income. See who qualifies, the 2025 thresholds, and the SSTB rule.
- [When to Elect S Corp Status for Your LLC (2026 Guide)](https://personalprofitability.com/when-to-elect-s-corp-status-for-your-llc/): When to elect S corp status for your LLC: usually once profit tops $40,000 to $60,000. Here's the IRS math, the deadline, and the real costs.
- [How Does a Balance Transfer Work? (2026 Guide)](https://personalprofitability.com/how-does-a-balance-transfer-work/): How does a balance transfer work? Moving credit card debt to a 0% introductory APR card saves money on interest. Here is the full breakdown of fees, timing, and when it makes sense.
- [Do You Need a Business Bank Account for Your Side Hustle?](https://personalprofitability.com/do-you-need-a-business-bank-account-for-your-side-hustle/): Do you need a business bank account for your side hustle? Yes, as soon as money moves through it. Here's why, plus how FDIC coverage differs.
- [Is Crypto a Good Investment? An Honest Answer (2026)](https://personalprofitability.com/is-crypto-a-good-investment/): Is crypto a good investment? For most people, no, not as a core holding. See the real volatility numbers and when a small crypto bet makes sense.
- [Target Date Fund vs Index Fund: Which Should You Choose?](https://personalprofitability.com/target-date-fund-vs-index-fund/): A target date fund vs index fund choice comes down to cost and control. Here's how the two compare, what each costs, and which one fits your retirement account.
- [How Does a Secured Credit Card Work?](https://personalprofitability.com/how-does-a-secured-credit-card-work/): How does a secured credit card work? A refundable deposit sets your credit limit, and steady on-time payments build your credit score.
- [Passive Income Ideas That Actually Work in 2026](https://personalprofitability.com/passive-income-ideas-that-actually-work/): The passive income ideas that actually work: index funds, house hacking, digital products, and savings interest, plus how the IRS taxes each one.
- [1099-K Threshold: Why It's Back to $20,000 for 2026](https://personalprofitability.com/1099-k-threshold/): The 1099-k threshold for 2025 and 2026 is $20,000 and 200 transactions, not $600. Here's what changed, who gets one, and what to do with it.
- [Airbnb Side Hustle: What It Really Costs and How It's Taxed](https://personalprofitability.com/airbnb-side-hustle/): An Airbnb side hustle can pay off, but Airbnb's 15.5% host fee, cleaning costs, and IRS tax rules eat into your income. Here's the real math.
- [Taxes for Gig Workers: What DoorDash, Uber, and Instacart Drivers Owe in 2026](https://personalprofitability.com/taxes-for-gig-workers/): Taxes for gig workers means self-employment tax, a 1099 form, and quarterly payments, not withholding. Here's what DoorDash and Uber drivers owe in 2026.
- [The Stock Market: The Complete Beginner Guide](https://personalprofitability.com/stock-market/): The stock market is one of the biggest sources of wealth in modern times. Understanding how to invest in the stock market is important for your finances.
- [First Side Hustle: 33 Experts Share Their First Side Hustle](https://personalprofitability.com/first-side-hustle-33-experts-share-their-first-side-hustle/): As readers and anyone in the private Personal Profitability Facebook group (join the email list to get the link instantly) know, side income is my favorite way to improve anyone's financial situation. You won't get rich by budgeting, because real wealth comes from income. Plus, everyone has the ability to earn more - unless you face some
- [Career Transition Guide - Find a New Job, Get It, Leave Gracefully, and Kick Ass In Your New Job](https://personalprofitability.com/career-transition-guide-find-a-new-job-get-it-leave-gracefully-and-kick-ass-in-your-new-job/): Need a career change but not sure where to start? Here's your complete guide on how to find a job and transition from your old job to your new one!
- [The Complete Beginner Guide to Travel Hacking](https://personalprofitability.com/complete-beginner-guide-travel-hacking/): Do you want to start travel hacking to get the best flights and hotel deals, but not sure where to start? Check out this guide before booking your vacation!
- [The Complete Beginner Guide to Freelancing](https://personalprofitability.com/complete-beginner-guide-to-freelancing/): How to start freelancing - follow this guide to start your business, improve your skills, find your first client, and raise your rates freelancing.
- [How Is Your Credit Score Calculated? The 5 Factors Explained](https://personalprofitability.com/credit-score/): Here's how your credit score is calculated: five weighted factors from your credit report, from payment history to credit utilization.
- [How To Save Money on Groceries: 22 Expert Tips That Work](https://personalprofitability.com/save-money-on-groceries/): Here's how to save money on groceries: plan ahead, compare unit prices, and cut food waste. 22 tested tips to lower your bill on your next trip.
- [How To Choose a Credit Card: What You Need To Know](https://personalprofitability.com/how-to-choose-a-credit-card/): Thinking about adding some more plastic to your wallet? Here’s what you need to know to about how to choose a credit card!
- [What Is a Checking Account? How It Works and How to Use It](https://personalprofitability.com/checking-account/): What is a checking account? It's a bank account for everyday spending and bill pay. See how it works, what it costs, and how to open one in 2026.
- [Emergency Funds 101: Everything You Need to Know](https://personalprofitability.com/emergency-funds/): You’ve likely heard of the idiom that we should all prepare for a rainy day, right? But what does it mean to create an emergency fund?
- [Save Money at Home: 19 Easy Ways to Cut Costs](https://personalprofitability.com/save-money-at-home/): Here are some easy strategies to reduce your costs without leaving the house (and potentially even your couch).
- [Reach Inbox Zero and Conquer Your Email with Zero Inbox Week](https://personalprofitability.com/inbox-zero/): Say goodbye to inbox clutter with Zero Inbox Week. Go to inbox zero and become an inbox hero in this free one-week course. Learn more at Zero Inbox Week.
- [22 Unique Ways to Save Money and Boost Your Budget](https://personalprofitability.com/22-unique-ways-to-save/): Here are some unusual ways that you can cut costs and boost your budget to achieve your financial goals more quickly!
- [Car Insurance: How To Save Money and Stay Safe on the Road](https://personalprofitability.com/car-insurance/): How can you get the best car insurance for your needs without breaking the bank? Here’s how to save money while staying safe on the road.
- [Loan Questions: Important Answers To Know Before Getting a Loan](https://personalprofitability.com/loan-questions/): What should you know before looking for a new loan? We answer some common loan questions to help you begin your financing journey.
- [Saving Money: How to Create Savings Habits and Goals](https://personalprofitability.com/saving-money/): How can you make saving money a habit? What goals should you set? And can saving help you get rich (albeit slowly)? Spoiler alert: the answer is YES.
- [Automate Your Finances: How To Simplify Managing Your Money](https://personalprofitability.com/automate-your-finances/): Knowing how to automate your finances can simplify managing your money. Here’s what you should know to make money management simpler!
- [Wedding Gifts: How To Give Without Busting Your Budget](https://personalprofitability.com/wedding-gifts/): There are ways to make sure buying wedding gifts won't’t drain your budget. Here’s how to give a gift to the happy couple without breaking the bank.
- [Protect Your Finances: 10 Ways to Safeguard Your Money](https://personalprofitability.com/protect-your-finances/): How can you keep your money safe while growing your wealth? Here are some key strategies you can implement today to protect your finances.
- [Buying a Car: Steer Your Finances in the Right Direction](https://personalprofitability.com/buying-a-car/): Buying a car is an inevitable part of life. Here's what you need to know so that you can get on the road without breaking the bank.
- [Retail Arbitrage 101: How to Make Money Reselling Items Online](https://personalprofitability.com/retail-arbitrage/): What is retail arbitrage, and how can you make money doing it? Here’s everything you need to know to get started with this side hustle!
- [Using Credit Cards: How To Swipe Like an Expert](https://personalprofitability.com/using-credit-cards/): Credit cards feature prominently on the financial spectrum of tools and resources. Here's how you can start using credit cards like a pro!
- [How To Start a Website: Strategies You Need To Succeed](https://personalprofitability.com/start-a-website/): It can be overwhelming to create a website if you don’t know how to make one or ensure its success. Here's what you should know about how to start a website.
- [Become A Landlord: How To Buy And Manage Properties](https://personalprofitability.com/become-a-landlord/): From finding a property to profiting to avoiding headaches and more, here's everything you need to know if you want to become a landlord.
- [From Side Hustle To Full Time: Should You Make the Switch?](https://personalprofitability.com/side-hustle-to-full-time/): Here’s everything you need to know about making the change from side hustle to full-time entrepreneur!
- [20 Must-Have Apps To Better Your Life](https://personalprofitability.com/must-have-apps/): These must-have apps can help you achieve your goals by encouraging you to stay on top of your finances and continue to run your life responsibly.
- [Insurance Basics: What You Need To Know Before You Shop](https://personalprofitability.com/insurance-basics/): Insurance is a complex topic, but it is critical to safeguarding your financial health. Here's what to know before you start shopping for coverage.
- [11 Pro Money Moves to Start Your Year Off Right](https://personalprofitability.com/pro-money-moves/): A new year means a chance to make changes! If you want to set yourself up for financial success this year, here are some pro money moves you need to make today.
- [The Complete Guide to Successful New Year’s Resolutions](https://personalprofitability.com/new-years-resolutions/): The new year is almost here! If you want to successfully set and achieve your New Year’s resolutions, here’s what you need to know!
- [Debt Addiction: How To Move Forward](https://personalprofitability.com/debt-addiction-how-to-move-forward/): Debt addiction is a real and serious problem for many consumers. Learn the signs of debt addiction, strategies to stop spending, and resources to help.
- [Nine Tips for a Better Vacation](https://personalprofitability.com/nine-tips-for-a-better-vacation/): Make your next vacation memorable with a little bit of planning and a whole lot of dreaming. Check out these nine tips to get the most out of your next trip.
- [Banking 101: A Beginner's Guide](https://personalprofitability.com/banking-101-a-beginners-guide/): Banks offer customers many financial services, including accounts, loans, and more. Learn about which type of banking is right for you.
- [Seven Easy Ways to Save Money Fast](https://personalprofitability.com/seven-easy-ways-to-save-money-fast/): Are you wanting to save money fast? Check out these seven simple tips to change your mindset, trim your expenses, and build your savings right away.
- [The Complete Beginner Guide to Coupons](https://personalprofitability.com/coupons/): Coupons can help you save big when shopping online or in stores. Follow this guide to coupons to learn some of the quickest and easiest ways to save.
- [Loan Consolidation: Complete Beginners Guide](https://personalprofitability.com/the-basics-of-loan-consolidation/): Want to create a debt management plan? Read on to learn about the basics of loan consolidation and other interest-saving alternatives that could help you.
- [ConvertKit Review - Email Marketing for the Modern Blogger](https://personalprofitability.com/convertkit-review/): See behind the scenes in this ConvertKit review. Watch a video and read how to switch, along with benefits and limitations in my ConvertKit review.
- [PPP023: Build a Business Website That Makes You Money](https://personalprofitability.com/episode23/): This week I go solo and tell you about the most important features for any business website. If you are trying to start earning income on the side, or are a long time veteran looking to earn more, make sure you are following these tips to earn more and increase your online conversions. Resources Mentioned
- [Picking Your First Investment](https://personalprofitability.com/picking-your-first-investment/): There are so many investment products with various levels of risk. Learning to identify good investments is essential when picking your first investment.
- [How I Turned a Layoff into a $6,000 Raise](https://personalprofitability.com/how-i-turned-a-layoff-into-a-raise/): I’ll never forget the morning that I found out my old company would be acquired by a competitor in Louisiana.
- [What Is Collective And Why Is It Unique?](https://personalprofitability.com/what-is-collective-and-why-is-it-unique/): If you’re a solopreneur or small business owner, Collective can help you with back-office tasks like payroll, administration, and taxes.
- [Mint Alternative: Mint.com vs. Empower](https://personalprofitability.com/mint-alternative-mint-com-vs-personal-capital/): Enjoy this in depth review of personal finance sites Mint.com and Mint alternative Empower. Learn how to track your budget and investments online.
- [What Do You Need to Know About Your Company's 401(k) Plan?](https://personalprofitability.com/company-401k-plan/): Have you ever dug into your company's 401(k) plan? Do you have any idea how much you are being charged in fees? They might be large and costing your money.
- [Complete Beginner Guide to Taxes](https://personalprofitability.com/taxes/): Understanding how taxes work is vital for financial success. In this guide, learn how to organize your taxes, maximize tax deductions, and much more!
- [How to Deal with Money Between Jobs](https://personalprofitability.com/how-to-bridge-a-financial-gap-between-jobs/): The search for a new job can be stressful, especially if you've got bills to pay and a family to look after. How to deal with your money between jobs.
- [Mint Alternatives: The Best Alternatives to Mint.com](https://personalprofitability.com/mint-alternatives/): If you're looking for an alternative to Mint.com, here's a list of personal finance management tools. Find a list of the best free Mint Alternatives here.
- [Why I Don't Balance My Checkbook](https://personalprofitability.com/balance-checkbook/): We have been told that we need to balance our checkbooks for decades. We think we are protecting ourselves from overdrafts and unauthorized transactions. That is true, but there are better ways to do all of that.
- [How to Prepare for Disasters](https://personalprofitability.com/prepare-for-disasters/): We never think we'll have a worst case scenario, but we need to plan for the worst and have a plan in case we find ourselves in an unexpected tragedy.
- [Why I Pay My Credit Card Twice Per Month](https://personalprofitability.com/why-i-pay-my-credit-card-twice-per/): I started bi-monthly credit card payments when I got my first job out of college, and quickly found it to be the best way for to handle credit card bills.
- [Save Money on Your Investments](https://personalprofitability.com/save-money-on-your-investments/): Over time, I have moved more toward investing in ETFs and mutual funds so I don’t have to worry as much about my money. With that change, though, came new costs and fees that I have to manage.
- [Combine and Simplify Your Accounts to Save Time, Money, and Headache](https://personalprofitability.com/combine-and-simplify-your-accounts-to-save-time-money-and-headache/): Here are some reasons and tips to help you consolidate your accounts down to only the ones you actually need and use.
- [Am I Taking Advantage of all the Benefit Plans My Employer Offers?](https://personalprofitability.com/am-i-taking-advantage-of-all-the-benefit-plans-my-employer-offers/): We can make plans for side-income and income from hobbies all day, but unless we are self-employed full time, our employer is the source of our primary income. Your employer often gives you a lot more than that. Make sure you are taking full advantage.
- [Don’t Be Perpetually Broke](https://personalprofitability.com/dont-be-perpetually-broke/): Everyone has a friend that is perpetually broke. I know at least a few people who can never seem to afford to do anything with me. It is important to use your money wisely and keep to a budget, but don’t let money get in the way of relationships with your friends and family.
- [Finance Basics: What is a Savings Account and How Should I Use It?](https://personalprofitability.com/finance-basics-what-is-a-savings-account-and-how-should-i-use-it/): Savings accounts are a great option for keeping some cash on hand for easy access, but many people treat their savings too much like an investment or a checking account. Here are the important things to know about savings accounts, how to use them, and how to not use them.
- [How to Save for Retirement if Your Company Doesn’t Offer a 401(k)](https://personalprofitability.com/how-to-save-for-retirement-if-your-company-doesnt-offer-a-401k/): Everyone gets excited when they start a new job. New opportunities, new challenges, and new retirement plans. Unless there are not… Some jobs don’t offer a 401(k) or other type of retirement plan, but it is still very important to save for your future even if your employer is not helping.
- [What is a Diversified Portfolio and How can I Build One?](https://personalprofitability.com/what-is-a-diversified-portfolio-and-how-can-i-build-one/): Investment “experts” always tout the importance of a diversified portfolio. Today I am going to explain exactly what that means and how you can build your own diversified portfolio without paying an “expert” to do it for you.
- [Rolling Over Your Old 401(k)](https://personalprofitability.com/rolling-over-your-old-401k/): If you have any financial accounts anywhere, you have probably read about rolling over you old 401(k) retirement account to a new company that will "charge less" and help you "earn more." While I am a big fan of moving an old retirement account when you leave an employer, it is important to take your time and make an educated decision.
- [Important Investment Accounts You Should Have](https://personalprofitability.com/important-investment-accounts-you-should-have/): Getting started with investing can be intimating, but it doesn’t have to be. If you start with one of the basic types of investment accounts, you have the right foundation to save for your future.
- [Take an Account Inventory](https://personalprofitability.com/take-an-account-inventory/): One of the most basic parts of personal finance is managing your financial accounts. Your bank accounts, investment accounts, retirement accounts, and credit and debt accounts come together to make up your financial picture.
- [How to Create Your First Budget](https://personalprofitability.com/how-to-create-your-first-budget/): Your first budget is an important milestone when trying to take control of your finances. A budget is your own self enforced spending plan broken out by category. Here is a basic guide to get you started.
- [Create a Basic Retirement Plan](https://personalprofitability.com/create-a-basic-retirement-plan/): Most personal finance experts agree that you will need about 80% of your monthly income replaced during retirement. To make that possible, it is important to save and invest throughout your working life. Want to know where to get started? Read on.
- [Manilla Alternatives – Free Replacement Digital File Cabinets](https://personalprofitability.com/manilla-alternatives-free-digital-file-cabinets-and-analysis-tools/): My favorite online filing cabinet Manilla is officially closing its doors, so it is time for us to find other options for our online money tracking needs. Here are a few other great options that you can use to fill the gap.
- [FutureAdvisor Review: Is a Robo Advisor Right For You?](https://personalprofitability.com/future-advisor/): If you are interested in getting a serious breakdown of your portfolio and retirement with free investment advice, you may be interested in FutureAdvisor.
- [How to Get Approved for a Mortgage](https://personalprofitability.com/get-approved-for-a-mortgage/): I could not have bought such a great home without a mortgage, similar to many other young professionals. Read the secret to getting approved for a mortgage.
- [Visiting Spain, Gibraltar, and Portugal on a Budget](https://personalprofitability.com/visiting-spain-gibraltar-portugal-on-a-budget/): If you are interested in visiting Spain, Gibraltar, or Portugal, or all three, check out how I did it and saved big on travel and hotels.
- [PPP014: I'm Eric and I'm a Part-Time Freelancer](https://personalprofitability.com/episode14/): Learn how I went from $0 to $30,000 per year on the side freelancing and get actionable, concrete steps you can take to do the same through freelancing.
- [The Unbudgeted Budget for Savvy Spenders](https://personalprofitability.com/unbudgeted-budget-savvy-spenders/): Unless you are a rare finance geek like me, you probably do not find any joy in budgeting. If you are a savvy spender, you might not need a complex budget.
- [PPP017: I'm Deacon and I Paid Off $52,000 in Debt](https://personalprofitability.com/episode17/): Today we welcome guest Deacon Hayes, a personal finance blogger who budgeted his way out of $52,000 in debt in 18 months and became an online entrepreneur.
- [Balancing Your Checkbook: A Waste of Time](https://personalprofitability.com/why-balancing-your-checkbook-is-a-waste-of-time/): Balancing your checkbooks used to be a requirement for good financial management. Balancing your checkbook is officially dead thanks to new technology.
- [PPP043: I'm David Rubenstein and I Can Help With Your Credit](https://personalprofitability.com/episode43/): David Rubenstein started his career as a big firm lawyer, but decided that life wasn't for him. He now works for himself. Learn how in this week's episode.
- [PPP045: I'm Thomas Smyth and I Founded Trim](https://personalprofitability.com/episode45/): It sucks to pay for services you don't really use. That is why Thomas founded Trim, a service that helps you cancel services you pay for but don't use.
- [PPP064: Excelling in Investments with Todd Tresidder](https://personalprofitability.com/episode64/): Todd Tresidder is the man behind The Financial Mentor. He has decades of experience coaching people on how to invest and improve their finances.
- [PPP065: Micro Real Estate Investments with Clayton Morris](https://personalprofitability.com/episode65/): Clayton Morris is a real estate investor with a focus on low-cost properties. With as little as $40,000, you can get your feet wet as a property investor.
- [PPP066: Mobile Home Investing with Jefferson Lilly](https://personalprofitability.com/episode66/): Jefferson Lilly knows how to turn a $5,000 investment into a profit: trailer parks. If you want to start a side hustle, consider mobile home investing!
- [PPP067: Leaving Your Job with Erica Mandy](https://personalprofitability.com/episode67/): Erica Mandy spent a decade building a career in TV news. She just quit that career path to go full-time on her own as an online entrepreneur and podcaster.
- [PPP068: Financial Freedom through Writing with Dave Chesson](https://personalprofitability.com/episode68/): Dave Chesson is the Kindleprenuer. He helps people create niche websites and turn them into Kindle books for big online income. Learn more in this episode.
- [PPP069: The Wild West of Personal Finance Blogging with Jim Wang](https://personalprofitability.com/episode69/): Jim Wang founded Bargaineering before later selling it for seven figures. He has build several businesses since, including his newest blog Wallet Hacks.
- [PPP070: Raising Capital and Funding Hollywood with Matthew Helderman](https://personalprofitability.com/episode70/): Matthew Helderman founded Buffalo 8 productions and BondIt Media Capital. Today we talk about the journey of starting a business and unique challenges.
- [PPP071: Investing Outside of Wall Street with Buck Joffrey](https://personalprofitability.com/episode71/): Buck Joffrey is a brain surgeon turned investor. This serial entrepreneur and author shares great lessons on managing money and the business of you.
- [PPP082: Reaching Financial Freedom with Jamila Souffrant](https://personalprofitability.com/episode82/): In this episode, we're talking with Jamila Souffrant, founder of JourneyToLaunch.com, a site dedicated to helping people reach financial freedom.
- [PPP125: Breaking Down the September 2018 Income Report](https://personalprofitability.com/episode125/): We're breaking down how I earned over $18,000 in my September 2018 income report. Find out how I save money on business expenses!
- [The Complete Guide to Heartbreak: 10 Rules to Get Over It and Move On](https://personalprofitability.com/the-complete-guide-to-heartbreak-10-rules-to-get-over-it-and-move-on/): I generally say little about my personal life on this site. However, I have recently been through an experience that I finally feel up to talking about.
- [What is Inflation and How Does it Impact Me?](https://personalprofitability.com/what-is-inflation-and-how-does-it-impact-me/): Has your grandparent ever told about the good old days when you could buy a gallon of gas for a quarter? A good meal at a restaurant was $2.00. Do you wonder where those prices went? Inflation.
- [What to Do With a Pocketful of Ruined Money](https://personalprofitability.com/what-to-do-with-a-pocketful-of-ruined-money/): What happens when you forget to take a wad of money out of your pocket and it becomes a clump of paper after going through the wash? How about if you accidentally drop your wallet in the campfire? The money may seem ruined, but the Department of the Treasury has a program to get you your money back at no charge.
- [What To Know About Forex Trading](https://personalprofitability.com/how-does-forex-trading-work/): Forex trading, also known as foreign currency trading, can be a lucrative hobby for those interested in putting in the time and effort. Get started here.
- [I'll See You In Omaha, Mr. Buffett](https://personalprofitability.com/ill-see-you-in-omaha-mr-buffett/): I am a big fan of Warren Buffett. I like his style. One of my dreams has always been to see him in person.
- [Colorado Payday Loan Legislation](https://personalprofitability.com/colorado-payday-loan-legislation/): As you may have picked up in the past, I am not a big fan of predatory loans that charge 400% APY. The only companies that do this are in the infamous payday loan and check cashing industry.
- [How I Make Money Online: Successes and Failures (Part 2)](https://personalprofitability.com/how-i-make-money-online-successes-and-failures-part-2/): I have tried my best at finding opportunities to make money online. After a handful of methods, some have worked out while others have not quite paid off.
- [Personal Finance Bloggers to Watch in 2010](https://personalprofitability.com/personal-finance-bloggers-to-watch-in-2010/): While many huge sites post link roundups pointing to other huge sites, some of the best advice comes from up and coming finance bloggers.
- [Microfinance: Invest in Someone's Future](https://personalprofitability.com/microfinance-invest-in-someones-future/): If you are a fan of peer to peer lending, you might be interested in microfinance. Microfinance is a type of lending designed to help people in poor communities around the world start a small scale business that can completely change their standard of living.
- [A Micro Analysis of a Single Layoff](https://personalprofitability.com/a-micro-analysis-of-a-single-layoff/): A single layoff is a scary situation for both employer and employee, although the term brings a different sense of fear for each entity.
- [The Philanthropy of Sports Franchise Owners and Teams During COVID-19](https://personalprofitability.com/the-philanthropy-of-sports-franchise-owners-and-teams-during-covid-19/): Let's talk generosity and philanthropy. Here is the shortlist of players, teams, and owners that are making a financial contribution to COVID-19 relief efforts.
- [How to Use Compound Interest to Your Advantage and Build Wealth](https://personalprofitability.com/compound-interest/): While compound interest can be problematic (say, a high credit card balance), you can use this to your advantage and build wealth.
- [My Tips in a Recession](https://personalprofitability.com/my-tips-in-recession/): Everyone keeps talking about how the economy is so bad and there is a big recession and the world is going to end. I would not say it is quite an apocalypse. All of the hype is half of the cause of problems. I don't think we are in a traditional recession, I think we
- [An Interesting Economy](https://personalprofitability.com/interesting-economy/): I have been fascinated by the nation of Sealand since I heard of it a few years back. Officially the Principality of Sealand, this country is an unrecognized nation off of the coast of the United Kingdom. The nation is listed as 500 square meters in size and the entire area of the nation is
- [Why You Need to Make Passive Income Stat](https://personalprofitability.com/passive-income-stat/): Join passive income expert Deacon Hayes in this guest article sharing the importance of building a passive income to supplement your day job.
- [Never Underestimate the Power of Refinancing Your Mortgage](https://personalprofitability.com/never-underestimate-the-power-of-refinancing-your-mortgage/): Here’s a look at how refinancing saved me money and how Refily can put you on track to finding a lender who could help you see if you could save by refinancing.
- [How to Cut Your Monthly Expenses](https://personalprofitability.com/cut-your-monthly-expenses/): Do you want to cut your monthly expenses? It's not difficult, but you might have to think outside the box to save some money!
- [4 Signs You Are Ready to Start Your Own Business](https://personalprofitability.com/4-signs-you-are-ready-to-start-your-own-business/): Small business ownership has its perks, but being an entrepreneur isn't for everybody. Here are 4 signs you're ready to start your own business.
- [How IPOs Work: From Startup to Initial Public Offering](https://personalprofitability.com/how-ipos-work-from-startup-to-initial-public-offering/): Startup companies take a lot of steps to reach their initial public offering and trade on the stock market. Here's how IPOs work. From startup to IPO.
- [How To Become a CFO](https://personalprofitability.com/how-to-become-a-cfo/): For students or professionals interested in finance, it may be difficult to ascertain which career path to pursue. After all, the world of business and finance is a broad one. One of the most respected roles in this arena is that of a chief financial officer. While you may hear or read about the feats
- [PPP127: 5 Ways Mastermind Groups Can Help Your Money](https://personalprofitability.com/episode127/): Find out why a mastermind group is great for anyone who wants a support team to give you new ideas, hold you accountable, and help you make more money!
- [Protect Your Credit After Losing Your Job](https://personalprofitability.com/protect-your-credit-after-losing-your-job/): Suddenly losing your job may make your life and daily routine change drastically. If you're unemployed, you may also wonder how this new status may impact your credit. Not having a job or income doesn't mean your credit will plummet. There are multiple strategies to use to help protect your credit and keep your financial
- [What is a PPP Loan?](https://personalprofitability.com/what-is-a-ppp-loan/): Many people have heard of the term "PPP loan" before, but they aren't entirely sure what it actually is or who can apply for one. Fortunately, some banks and financial institutions can help you determine whether you qualify and assist you will filing out your PPP loan application when the time comes. Before you begin, however, it's
- [How Long to Keep Your Taxes and Bank Statements](https://personalprofitability.com/how-long-to-keep-your-taxes-and-bank-statements/): I have a file cabinet at home with bank statements dating back to when I opened my first checking account when I was sixteen years old. Nine years later, I wondered if I still need those bank statements. I also have every tax return I have filed, ever. Do I need those? I did some digging and found the answers.
- [Why I Started Doing My Own Taxes](https://personalprofitability.com/why-i-started-doing-my-own-taxes/): When I was sixteen, I got a part-time job as a cashier at Target to pay for my car insurance and gas. I was lucky enough to have been given an old 1987 Plymouth Horizon by my parents, but if I wanted to drive it, I had to cover the costs. That year, I earned
- [Should You Pay Someone to Do Your Taxes?](https://personalprofitability.com/should-you-pay-someone-to-do-your-taxes/): Preparing your own taxes does not have to be a difficult task, though if you do hire someone to prepare them make sure they fit your tax filing needs.
- [Tips for Improving Your Budget Management](https://personalprofitability.com/tips-for-improving-your-budget-management/): Budgeting finances can understandably be complex, but it doesn’t have to be. There are many different techniques and tips for improving your budget management.
- [How Technology Can Help You Increase Your Financial Knowledge](https://personalprofitability.com/technology-can-help-increase-financial-knowledge/): This post comes in conjunction with our friends at Fisher Investments. Whether you want to learn more about the different kinds of investments and financial strategies available or are ready to start investing for retirement, modern technology can be extremely helpful. From apps that help you track the stock market to advice from financial companies'
- [Buying Might Be Cheaper Than Renting](https://personalprofitability.com/buying-might-be-cheaper-than-renting/): Is buying or renting real estate better? People are finding that buying a house or condo costs less per month than renting, we'll show you why in this post!
- [Your Credit Score Is More Important Than You Think](https://personalprofitability.com/credit-score-important/): You may not be looking for a home or car, but your credit score is important for other reasons. Learn how a bad credit score can impact your life.
- [13 Ways a CPA Can Help Your Business](https://personalprofitability.com/13-ways-a-cpa-can-help-your-business/): A CPA is an accountant who has passed the Certified Public Accountant exam and meets the qualifications to be a licensed CPA in their state. CPAs can help businesses in a variety of ways. This post comes to you in conjunction with a Personal Profitability partner. Bookkeeping Records Many businesses employ bookkeepers or use bookkeeping
- [5 Simple Ways to Make Your Spouse’s Day without Breaking the Bank](https://personalprofitability.com/5-simple-ways-make-spouses-day-without-breaking-bank/): Doing something to make your spouse's day can make your spouse happy without having to break the bank. Here are some fun ideas to get you started.
- [Top 50 Small Things You Can Do to Save Money](https://personalprofitability.com/top-50-small-things-you-can-do-to-save/): Here are some easy ways to save money, because frugal living starts with the small things! These tips will help keep some extra cash in your pocket.
- [Bitcoin: How I Earned an 836% Return on a Lucky Investment](https://personalprofitability.com/bitcoin-investment/): Bitcoin is going crazy right now, and I didn't miss the crazy. I spent $105 on Bitcoin in 2015 and it grew to $1,000! Learn what I did with my Bitcoin here.
- [Never Miss a Bill Again](https://personalprofitability.com/never-miss-a-bill-again/): Missing bill payments isn't fun. It costs money, time, and energy. Not to mention, your credit score. Here's how to make sure you never miss a bill again!
- [Starting a Small Business: From Idea to Exit Strategies](https://personalprofitability.com/starting-a-small-business/): Owning your own business is a major life milestone, but starting a small business is no walk in the park. Learn how it all works here.
- [How Should a High School Student Learn About Money?](https://personalprofitability.com/high-school-learn-about-money/): It's never to early to learn about money. Here's how to get high school students started on the path to a solid financial future!
- [PPP042: I Run My Business from Mexico with Katie Hornor](https://personalprofitability.com/episode42/): Katie Hornor always wanted to live abroad and used her online business savvy to find a way to make it work. Learn how in this week's episode.
- [What is Goodwill on a Company Balance Sheet?](https://personalprofitability.com/goodwill/): Goodwill on a company's balance sheet is a measure of the brand value from previous acquisitions. It is an important number to understand when investing.
- [Warren Buffett Investing Tips](https://personalprofitability.com/warren-buffett-investing-tips/): Warren Buffett investing tips are investment gems. Enjoy these favorites with an explanation of why the Warren Buffett investing tips are worth following.
- [What Does a Share of Stock Represent?](https://personalprofitability.com/what-does-share-of-stock-represent/): Almost everyone knows that you can buy and sell stock in a company, but a lot of people don’t fully understand what a share of stock represents.
- [Hedge Funds for the Rest of Us](https://personalprofitability.com/hedge-funds-rest-us/): Hedge funds used to only be for the super-wealthy, but now middle-class investors have an opportunity to join in with this alternative investment vehicle.
- [Should I Buy Stock in the Company I Work For?](https://personalprofitability.com/should-i-buy-stock-in-company-i-work/): Millions of people in the United States work at public companies with stock available for purchase. Some of these companies give employees stock for free, others offer company stock to employees at a discount, many commonly offer company stock as a portion of 401(k) plans. While many of us are loyal and believe in the companies we work for, is it a good idea to invest in our company's stock?
- [Can You Become a Millionaire in the Stock Market?](https://personalprofitability.com/can-you-become-a-millionaire-off-stocks/): Can you become a millionaire off stocks? Of course! In order to do so though, there are a few things to learn. First, you must start early with investing.
- [3 Ways to Start Saving Money Today](https://personalprofitability.com/3-ways-start-saving-money-today/): Within every household economy, spending has a tendency to place demands on income. The more money you make, the faster it seems to go out the door covering financial commitments and discretionary purchases. Aside from earning more money, the only way to increase your spending power is through creative cost savings measures and prudent financial
- [How to Start an IRA (or Roth IRA)](https://personalprofitability.com/how-to-start-ira-or-roth-ira/): Investing for your retirement is important, but do you know how to get started? I'm sharing the basics of how to open and fund an IRA or Roth IRA account!
- [How to Find a Cheap House For Sale](https://personalprofitability.com/find-a-cheap-house/): Are you trying to find a cheap house for sale? It can be tough in the competitive market today, but it's still not impossible.
- [Can I Really Afford to Save For Retirement?](https://personalprofitability.com/can-i-really-afford-to-save-for-retirement/): Saving for retirement can be difficult to do when in debt or if you do not have much to save. By starting early though, you give your money time to grow!
- [Flip Houses or Rent Out Real Estate?](https://personalprofitability.com/flip-houses-or-rent/): Is it a better idea to flip houses or rent them out to make money? Find out the pros and cons of these real estate investments!
- [How Has the Financial Crisis Affected Your Stock Portfolio?](https://personalprofitability.com/how-has-the-gfc-affected-your-stock-portfolio/): Is your investment portfolio too risky? Here are some tips to protect your stock portfolio against a global financial crisis.
- [3 Simple Ways to Save For Retirement on a Budget](https://personalprofitability.com/save-for-retirement-budget/): Save for retirement while you stick to a budget. It is possible! These are some tips to help you increase earnings and reduce spending!
- [What is the Right Time to Buy and Sell Index Funds and Mutual Funds?](https://personalprofitability.com/buy-and-sell-index-funds-and-mutual-funds/): Timing the market can be tricky, so when is the best time to buy and sell index funds or mutual funds? Learn the smartest strategies here.
- [4 Simple Steps To Help You Get Started Saving For Retirement](https://personalprofitability.com/simple-steps-help-saving-for-retirement/): Saving for retirement can be difficult. With a few simple steps, you can get started right away and begin building your retirement portfolio.
- [Building a Real Estate Snowball](https://personalprofitability.com/real-estate-snowball/): Is it better to invest in the stock market or the real estate market? How do you build a real estate snowball? Find out the answers here!
- [How to Start Retirement Savings in Your 40s](https://personalprofitability.com/start-retirement-savings-in-your-40s/): There's no time like the present to start thinking about retirement savings. If you're in your 40s, here's how to making saving a priority.
- [PPP048: I'm Adam and I'm a Stay at Home Dad Entrepreneur](https://personalprofitability.com/episode48/): Adam Bosel didn't want to do the traditional 9-5 lifestyle, so he opened a gym in Portland, Oregon. But this wasn't just any gym, it was a green microgym.
- [What You Need to Know Before You Quit Your Job to Go All in With Your Side Hustle](https://personalprofitability.com/what-you-need-to-know-before-you-quit-your-job-to-go-all-in-with-your-side-hustle/): What You Need to Know Before You Quit Your Job to Go All in With Your Side Hustle. Martin Dasko, brings his experience of a seasoned side hustler.
- [Should You Get Your MBA?](https://personalprofitability.com/should-you-get-your-mba/): Should you get your MBA degree? I got my MBA and it has been hugely beneficial to my career, but today George Diaz digs into the numbers to help you decide!
- [Should My IRA Charge Me a Maintenance Fee?](https://personalprofitability.com/ira-fees/): Should My IRA Charge Me a Maintenance Fee? Common fees like Account Maintenance Fees, Investment Fund Fees, and Trade Fees may be charged. How to avoid them?
- [Investment Strategy by Age](https://personalprofitability.com/investment-strategy-by-age/): If you are in your 20s and your parents are near retirement, do you think you should have different investment strategies?
- [PPP124: 5 Lessons Learned Becoming a House Flipping Landlord](https://personalprofitability.com/episode124/): Sandy Smith is here to drop some wisdom on being a house flipper and landlord! She shares 5 important lessons anyone investing in real estate needs to know.
- [Take The Cash or Reinvest](https://personalprofitability.com/take-cash-or-reinvest/): Dividend stocks are equity investments that pay cash to investors regularly. Should you reinvest the dividends instead? Read on to find out.
- [Top 10 Guidelines to Follow Toward Achieving Debt Independence](https://personalprofitability.com/top-10-guidelines-to-follow-toward-achieving-debt-independence/): As of 2012, Americans owe $849 billion in credit card debt, $8.03 trillion in mortgages, and $956 billion in student loans. This situation shows no signs of slowing down owing to poor money values that we have as a nation. The advertising industry forces us to spend on things we don’t need and can’t even afford, and this is what the credit card industry capitalizes on.
- [Screw You, I'm Not Giving Up My Caramel Macchiato!](https://personalprofitability.com/screw-you-im-not-giving-up-my-caramel-macchiato/): You may be thinking, "It's only a damn coffee," it's really not that serious, sir. Well, let me tell you that you don't know what you're talking about. I mean just look at this beautiful creature... This is nothing short of the modern day form of ambrosia. For those of you not in the know,
- [Interview With Get Rich Slowly's JD Roth](https://personalprofitability.com/interview-with-get-rich-slowlys-jd-roth/): Today I am excited to welcome Get Rich Slowly founder JD Roth to chat about his new Be Your Own CFO guide. It is an honor and a pleasure to have had the chance to ask JD some questions about how he got started in personal finance and how he developed his new guide. For the
- [PPP026: Planning for Next Year's Profitability](https://personalprofitability.com/episode26/): As we dive deeper into the new year, it is important to take a look back at last year to examine what worked well, what didn't, and what trends we are seeing around the web that can help us grow and thrive in the new year. Resources Mentioned Google Analytics Jetpack Quickbooks Wave Accounting Backlinko
- [Combining Finances](https://personalprofitability.com/combining-finances/): Some say that 10% of marriage proposals happen one day a year: Valentine’s Day. Combine that 10% with the holiday engagements and you’ve got a lot to celebrate. But beyond sharing kisses and champagne, it’s time to talk about sharing finances.
- [Money and Relationships](https://personalprofitability.com/money-and-relationships/): There has been much talk about money and marriage lately, and so there should be considering money is the number one reason for divorce.
- [Tips on Cash Flow Management](https://personalprofitability.com/tips-on-cash-flow-management/): Managing your financial accounts and monthly expenses doesn't have to result in hours of gawking at spreadsheets, or pencil-and-paper calculations. Better yet, it can even be encouraging to budget your own expenses. This gives you a realistic outlook of how your money is spent, what savings you can have each month, and where one should cut back on spending too much.
- [Get Started In Real Estate Investing with an LLC](https://personalprofitability.com/get-started-in-real-estate-investing-with-an-llc/): According to the July 2013 report from REAL Trends, housing sales were up 10.2 percent compared to June 2012 and the average prices of sold homes is up almost eight percent. This means that many who were hoping to sell homes are getting ready and the real estate investors are also looking to add to
- [Crazy Frugality Ideas from Extreme Cheapskates](https://personalprofitability.com/crazy-frugality-ideas-from-extreme-cheapskates/): Have you seen that show Extreme Cheapskates? When it made it onto Netflix, I was able to watch it for free and made it through the six episodes in less than a week. One of the episodes was so over-the-top that I couldn't make it to the end, but overall I found it entertaining and
- [Eating to Green Savings](https://personalprofitability.com/green-savings/): This post is by Melissa at Mom’s Plans and is part of a Yakezie blog swap based on the topic, “What is your best go green method to save money?” You can read my post on the same topic at Melissa's blog.
- [A Financial Do Over](https://personalprofitability.com/financial-do-over/): This is a guest post from Penny at The Saved Quarter as part of the Yakezie blog swap. This week, we were asked, “If you had one financial do-over, what would it be and why?”
- [The Psychology of Paying Off Debt: Staying Motivated for the Long Haul](https://personalprofitability.com/psychology-of-paying-off-debt/)
- [Giving a Loan to a Business](https://personalprofitability.com/giving-a-loan-to-a-business/): Investments are a huge part of your finances, and they are not limited to stocks and mutual funds. I am a big fan of investing in bonds, which are loans to businesses. There are multiple ways to invest in bonds and each has a different risk and cost profile. Corporate Bonds The easiest way to
- [Summer Money-Saving Tips: Vacation, Lawn Care, and Utility Bills](https://personalprofitability.com/summer-money-saving-tips/)
- [How to Start Saving for Retirement at Any Age](https://personalprofitability.com/how-to-start-saving-for-retirement-at-any-age/)
- [Debt Management That Works](https://personalprofitability.com/debt-management-that-works/): With the number of personal bankruptcies sadly soaring in the UK over the past decade, debt management has become a keyword for those in search of help. Compared to the situation ten years ago, when consumers looking for a way out only had a handful of debt management companies to choose from, today an entire
- [How to Manage Debt with Self Discipline](https://personalprofitability.com/how-to-manage-debt-with-self-discipline/): Managing your debt can takes a lot of self-discipline to ensure you’re spending money on things that are necessary. Managing debt and eventually paying it off takes will power - and a lot of it! The first thing you're going to need to do is look at your expenses and your income. Ensure each purchase
- [PPP120: That Time I Quit My Job](https://personalprofitability.com/episode120/): In this episode, we're revisiting that time I quit my job to become a full-time freelance writer and finance blogger! Find out how I did it in this podcast!
- [PPP100: 100th Episode Spectacular!](https://personalprofitability.com/episode100/): Hey everyone, welcome to episode 100! It's the 100th episode spectacual - and I have a BIG announcement (you might even notice it before I say it!) plus some other things to share -
- [PPP085: Tim & Amy Rutherford on Spending Less and Living More](https://personalprofitability.com/episode85/): On this week's episode, I'm talking with Tim and Amy Rutherford about how they learned to live on less so they could enjoy life more - and much more!
- [Lending Club Updates](https://personalprofitability.com/lending-club-updates/): Lending Club is a great option to invest and earn money. Follow my progress with these Lending Club updates sharing how much I earn with P2P lending.
- [PPP029: I'm Eric and I Quit My Job](https://personalprofitability.com/episode29/): This week I have some huge news to share. I am going full-time online, and we are packing up camp here in Portland to move down to Southern California! Get the entire story of how I got here, why we're going, and what's next in this episode of the Personal Profitability Podcast. Resources Mentioned My
- [How to Act Professionally as a Freelancer](https://personalprofitability.com/how-to-act-professionally-freelancer/): If you are starting out as a freelancer, it is important to act as a professional to grow your income and thrive.
- [Investing in Fine Art](https://personalprofitability.com/investing-in-fine-art/): I bought a Michael Godard painting and treat it as an appreciating asset, not just decor. Here's what I look at before buying fine art as an investment.
- [I Cut the Cord – No More Cable](https://personalprofitability.com/no-more-cable/): I canceled cable and saved $804 a year. Here's why I cut the cord, what I use instead of cable TV (Netflix, Hulu, an antenna), and if it was worth it.
- [Money and Dating](https://personalprofitability.com/money-and-dating-2-2/): I recently had a conversation with a friend (a girl) about money and dating. We are both single and have both been on dates with a handful of people recently. It got me thinking about gender roles and dating and money.
- [The Complete Beginner Guide To Holiday Budgeting](https://personalprofitability.com/holiday-budgeting/): Saving money during the holidays isn't easy. Here are some holiday budgeting tips to avoid overspending and to maximize your money!
- [The Case for Walmart](https://personalprofitability.com/the-case-for-walmart/): Walmart is one of the most hated companies in America. People constantly attack its human resources practices and the leverage it puts on suppliers.
- [Money Matters: Navigating Personal Finance Before, During, and After College](https://personalprofitability.com/money-matters-navigating-personal-finance-before-during-and-after-college/): Jackson Hartz reflects on his time as a student and offers personal finance advice for students looking to save money and grow their wealth.
- [Picking the Right Life Insurance Policy: How Well Do You Know Life Insurance?](https://personalprofitability.com/life-insurance-policy/): Check out this life insurance policy quiz that helps you understand exactly what you know, and need to know, to pick the best life insurance policy.
- [How to Avoid Student Loan and Auto Loan Debt When Everyone Else is Doing It](https://personalprofitability.com/avoid-student-loan-auto-loan-debt/): Is it possible to avoid student loan and auto loan debt? It's not a myth. Just imagine where you would be without all that debt!
- [WeBull Review: Is It Worth Trying?](https://personalprofitability.com/webull-review-is-it-worth-trying/): Looking for commission-free online stock trading? Check out this WeBull review to see how it stacks up to the popular Robinhood app!
- [How to Get Started Buying Stocks Online](https://personalprofitability.com/how-to-get-started-buying-stocks-online/): Every time I need to buy or sell a stock, mutual fund, or index fund, I hop online and enter the trade on my brokerage website. It wasn’t always this easy to invest and we are lucky to live in an age of cheap, online investing.
- [PPP091: Whitney Nicely on Building a Real Estate Empire](https://personalprofitability.com/episode91/): Whitney Nicely built her real estate empire without a ton of cash upfront. In this episode, we talk about entrepreneurship and much more.
- [How I Ripped People Off With Store Credit Cards](https://personalprofitability.com/store-credit-cards/): In high school, I worked after school and on weekends as a cashier at a large retail chain. I signed up dozens of people for store credit cards.
- [3 Reasons Why You Want to Watch Your Credit Report Starting at a Young Age](https://personalprofitability.com/watch-credit-report-young-age/): Watching your credit report is something we can overlook easily. I share some of the reasons why you may want to start checking it early in your career.
- [PPP010: How to Pay off Student Loans](https://personalprofitability.com/episode10/): This week an anonymous reader asked about how to best pay off her student loans. My response is useful for anyone looking to knock out debt quickly.
- [7 Things to Keep in Mind When Lending Friends Money](https://personalprofitability.com/lending-money/): I once had a roommate move out while owing me over $200. Sure, not a ton of money, but nothing to sneeze at, particularly when in grad school. He had left for the marines and told me a check was in the mail, but it never arrived. What a frustrating situation! I have had to loan friend and roommates money in the past, and every time it is stressful and I hate to do it. Five or ten bucks for lunch is one thing, $830 to prevent eviction was a different story.
- [Should You Pay Off Your Mortgage Early?](https://personalprofitability.com/should-you-pay-off-your-mortgage-early/): Some people debate whether it is a good idea to pay off your mortgage early. I don’t see why it is a debate at all. Sure, we can conjure up some numbers that make it look smart to stay in debt, but staying in debt is never a good idea.
- [How Should a Young Person Get Started with Investing](https://personalprofitability.com/how-should-a-young-person-get-started-with-investing/): So you've started a new job as a young professional—what should you do with that first paycheck? It's time to start investing!
- [Common Budget Busters and How to Fix Them](https://personalprofitability.com/common-budget-busters-fix/): Budget busters can be a drag on your monthly finances if you don't watch it. It can be easy to allow unmonitored spending to get out of hand. I share how to avoid it.
- [PPP019: Expert Money and Entrepreneurship Tips Live from FinCon](https://personalprofitability.com/episode19/): This week we have a special episode recorded live at FinCon in Charlotte, North Carolina. I am excited to welcome superstar guests Pat Flynn from Smart Passive Income and Harlan Luke Landes from Consumerism Commentary. My good friend and former guest Jeff Fruhwirth from Sustainable Life Blog joined us as we talked business, budgeting, social media,
- [4 Ways You Are Sabotaging Your Side Hustle](https://personalprofitability.com/sabotaging-your-side-hustle/): Are you struggling with your side hustle and having trouble getting started? There are ways you could be sabotaging your side hustle.
- [PPP062: Side Hustling & Growing Your Income with Robert Farrington](https://personalprofitability.com/episode62/): Robert Farrington, The College Investor, has a six-figure online income and a full-time job managing a major retail store. Get his tips here!
- [PPP078: Retirement Planning with Christine Russell](https://personalprofitability.com/episode78/): Join me and TD Ameritrade retirement expert Christine Russell to talk all things retirement savings and planning. Tune in to the podcast!
- [PPP050: I'm Nate Bills and I Pay the Bills Working Online](https://personalprofitability.com/episode50/): Nate Bills runs a Fullfillment by Amazon, or FBA, business that pays him while he sleeps. He was able to quit his job and go full-time online with FBA.
- [PPP001: I'm Eric Rosenberg, Welcome to the Personal Profitability Podcast](https://personalprofitability.com/episode1/): Personal Profitability Podcast Episode One: Spend Mindfully, Earn More, Grow Your Wealth, and Live Better through mindful personal finance.
- [PPP076: Taking Your Side Hustle Full-Time with Chenell Tull](https://personalprofitability.com/episode76/): Chenell Tull used to spend her days working for a large company, but took the leap to self-employment in June. Learn how she did it in this week's episode.
- [PPP090: Chris Jones and the Business of Writing](https://personalprofitability.com/episode90/): Want to earn a full-time income writing from home? If you want to write for a living, don't miss this interview with award-winning writer Chris Jones.
- [4 Ways To Invest in Guyana in 2020](https://personalprofitability.com/4-ways-to-invest-in-guyana-in-2020/): This article comes from a Personal Profitability partner. South American investment opportunities have been booming over the past few years, with a large number of industries in many of the continent's countries gearing up for higher demand and easier access to international trade. A lot of the boom has been fueled by infrastructure development projects
- [Deciding Which Student Loan Repayment Plan is Best for You](https://personalprofitability.com/deciding-which-student-loan-repayment-plan-is-best-for-you/): Deciding on a student loan repayment plan? Not sure if you should stick with federal loans or refinance? Our student loan guide will help you choose!
- [How to Save Money on Hotels When Traveling](https://personalprofitability.com/how-to-save-money-on-hotels-when-traveling/): Those of you who read my free money tips newsletter (which I suggest you do), know that I am about to take a trip to Israel. I spent the last few days working on lodging for the trip, and I want to share a few tips to save money on hotels when traveling.
- [PPP030: I'm Paula Pant and I Help People Afford Anything](https://personalprofitability.com/episode30/): Paula Pant believes that you can afford anything. She's sharing her tips on real estate investing, Airbnb hosting, budget travel, and running a business!
- [PPP033: The Unseen Story of Quitting Your Job for Self Employment](https://personalprofitability.com/episode33/): Leaving an employer to for self-employment looks glamorous, but there are many aspects of leaving a job that you don't see until you make the plunge.
- [Can I Write it Off – A Practical Guide to Deducting Small Business Expenses](https://personalprofitability.com/can-write-off-practical-guide-deducting-small-business-expenses/): Small business owners can save big on their taxes by deducting qualifying business expenses. Don't miss out and give the government what you can keep!
- [How Chris Runs an eBay Store for Serious Side Income](https://personalprofitability.com/how-chris-runs-an-ebay-store-for-serious-side-income/): Chris earns a full time income with his eBay store. Learn how he got started and how he makes a living from the comfort of his own home.
- [PPP060: Home Mortgage Down Payments & Early Retirement with Chris Reining](https://personalprofitability.com/episode60/): Chris Reining became financially independent at 35 and retired at 37. Learn how he mastered his money with actionable tips in this week's episode.
- [PPP084: Catherine Treme on How Your Personality Can Affect Your Money](https://personalprofitability.com/episode84/): Catherine Treme is a behavioral finance expert. She uses the Myers Briggs Type Indicator to teach people how your personality affects money management!
- [5 Steps to Paying Off a Mortgage Early](https://personalprofitability.com/paying-mortgage-early/): It IS possible to pay your home mortgage off early! Here are Steve Stewart's tips on spending wisely and paying off debt.
- [PPP057: I'm Alex Barker and I'm a Side Hustle Addict](https://personalprofitability.com/episode57/): Alex Barker keeps himself busy with a full-time job AND a side hustle that employs workers around the world. Learn how he juggles it in this week's episode.
- [How Student Loan Payments Work](https://personalprofitability.com/how-student-loan-payments-work/): Student loan payment calculations can be cryptic, so today we are going to break down how student loan payments work so you can understand your loans.
- [Why Traveling is a Great Investment](https://personalprofitability.com/traveling-investment/): Traveling is often seen as a luxury. But it can also be an investment in yourself and your career. Learn why traveling is a great investment.
- [PPP073: Master Your Social Media with Stefanie LaHart](https://personalprofitability.com/episode73/): Stefanie LaHart is the founder of Boomtown Marketing and helps businesses and entrepreneurs build their online and social media presence.
- [PPP106: Succeeding in Real Estate with Chris Prefontaine](https://personalprofitability.com/episode106/): In this episode with Chris Prefontaine, we're talking how much money you need to get started with real estate (probably less than you expected) and how to improve your chances for success in real estate -
- [What is Swagbucks and How Can You Earn Money With It?](https://personalprofitability.com/what-is-swagbucks-and-how-can-you-earn-money-with-it/): So what is Swagbucks anyway? Can you really earn money with it? How much could you potentially earn per hour? Asking "What is Swagbucks" is a great question
- [PPP116: 5 Tips for Brand New Side Hustlers](https://personalprofitability.com/episode116/): In this week's podcast, we're talking about starting a side hustle with Martin Dasko. If you're new to side hustling, don't miss our top 5 side hustle tips!
- [13th Month Income Earning Challenge](https://personalprofitability.com/13th-month-income-earning-challenge/): What do you answer when people ask about your hobbies? I have seen many hobbies and interests come and go, but one has been a constant over the last decade of my life: earning more money. I am not quite as entrepreneurial as Kirk in Gilmore Girls, but I’d like to think I do okay.
- [5 Steps to Start a Side Hustle](https://personalprofitability.com/steps-starting-side-hustle/): Do you want to make more money outside of your day job? Use these five steps to start a side hustle and make extra money in your free time.
- [PPP032: Discover a Path to Debt Freedom](https://personalprofitability.com/episode32/): Debt sucks! The payments can cripple your ability to buy a home, travel, or even pay for the basics like rent and groceries. If you want to dig out of that giant pile of debt, start with this list of major to-dos, including creating a debt snowball payoff plan. Resources Mentioned My Debt, How I'm
- [PPP044: I'm Tom Corson-Knowles and I've Written 26 Books to Sell on Kindle](https://personalprofitability.com/episode44/): Tom skipped Wall Street and built an eBook business to follow his dreams. With 26 books under his belt, he shares lessons learned along the way.
- [PPP128: 3 Steps to Get Started on Your FIRE Plan](https://personalprofitability.com/episode128/): Sean Merron talks to us about being financially independent and retiring early in his 30s! He gives us some great tips on starting your own FIRE plan!
- [PPP072: Start Your Side Hustle with Nick Loper](https://personalprofitability.com/episode72/): Nick Loper is the man behind the Side Hustle Nation podcast and blog. Learn how to start your first profitable side hustle in this week's episode.
- [PPP038: Get Out of Debt with Conscious Spending](https://personalprofitability.com/episode38/): You make choices on how to spend your hard earned dollars every day. Do they go to things and experiences you value, or do you spend without a thought?
- [Fixing Your Own Economy](https://personalprofitability.com/fixing-your-own-economy/): If you read the news today or listen to talk radio, you will most likely hear some mention of unemployment and how bad the economy is. I disagree, the economy is in great shape. You just need to look after yourself to ensure your personal economy stays on top.
- [eDataQuick - A Low-cost Solution For Small Business Bookkeeping](https://personalprofitability.com/edataquick/): If you need affordable bookkeeping services for your small business, look no further! Check out my review on eDataQuick's accounting services here.
- [When to Get Life Insurance](https://personalprofitability.com/when-to-get-life-insurance/): Should you buy a life insurance policy, even if you're in your 20s? In this post, we'll review the importance of life insurance and when to buy it!
- [Home Buyer's Guide: From Search to Move In](https://personalprofitability.com/home-buyers-guide/): Buying your first home? This guide will give you tips on how to find a home, make an offer, go under contract, and close on your first real estate purchase!
- [What's In Your Wallet?](https://personalprofitability.com/whats-in-your-wallet/): I recently upgraded my wallet from a back pocket “Costanza” wallet to a front pocket, minimalist wallet. Slimming down my wallet has been great for me, but it really made me think about what I needed to carry around and what was just taking up space.
- [How the New Student Loan Law Impacts You](https://personalprofitability.com/how-the-new-student-loan-law-impacts-you/): On March 30, President Obama signed a new law that redefines the roles of much of the student loan industry. The law appears to be better for the government and better for those taking out student loans. Big banks are going to take a hit, however.
- [What is 1% Today Worth in Retirement?](https://personalprofitability.com/what-is-1-today-worth-in-retirement/): I regularly share my thoughts on automated investing and putting money away for retirement. In some posts, I’ve discussed how much to save each pay period. 10%, 15%? More less? I always say to just start with something and save as much as possible for your situation. Today, I want to talk about increasing that amount.
- [How To Deal With US Savings Bonds](https://personalprofitability.com/how-to-deal-with-us-savings-bonds/): If you are like me, you have a big stack of US savings bonds that has been accumulating dust in a safe deposit box since you were born. If you are under 30, those are still gaining interest today. But what should we do with our savings bonds? I never thought to cash mine in until I got to grad school, and that promted quite a bit of research into how to deal with finding the value, paying the taxes, and cashing in my bonds. I will take you through the process I went through up to today, the day I take my bonds to the bank.
- [Money Tips for New Grads](https://personalprofitability.com/money-tips-for-new-grads/): Here are some top tips for new graduates around the world.
- [Why I Hate Carrying Cash](https://personalprofitability.com/why-i-hate-carrying-cash/): A dollar, a greenback, a buck. There have been many nicknames for the US Dollar. Americans are proud of their currency as a safe-haven currency during economic hardship. We love our money. That is just part of our culture. However, I am kind of tired of it. I hate carrying cash.
- [PPP 130: Harlan Landes on The Plutus Foundation](https://personalprofitability.com/episode130/): Harlan Landes stops by to talk about his non-profit, The Plutus Foundation. Learn how they're helping to spread financial literacy across the country!
- [PPP129: How We Structure Our Masterminds With Sean Merron](https://personalprofitability.com/episode129/): Sean Merron and I discuss how we run our mastermind groups in this episode. We'll give you some awesome tips on how to improve your group or join a new one!
- [PPP126: Mastermind Groups and F.I.R.E. With Sean Merron](https://personalprofitability.com/episode126/): Sean Merron chats with us about the impact of mastermind groups on our businesses, gaining financial independence, and early retirement!
- [PPP123: 5 Frugal Money Saving Tips to Boost Your Savings](https://personalprofitability.com/episode123/): Finding it hard to get your budget together and pay off debt? Sandy Smith gives us some actionable, frugal tips on how to boost your savings!
- [PPP122: 5 Tips to Build a Profitable Product Business Online](https://personalprofitability.com/episode122/): Tune in this week to discover Sandy Smith's top tips for starting an online product business. Find out how to choose a product, where to sell it, and more!
- [PPP121: Catching Up with Sandy Smith](https://personalprofitability.com/episode121/): In this episode, we catch up with Sandy Smith about her life, her businesses, her site Yes I Am Cheap, and her community of side hustlers!
- [PPP051: I'm Sandy Smith and I Make and Sell Products](https://personalprofitability.com/episode51/): From personal finance blogging to creating physical products she sells on Amazon, Sandy knows how to hustle and is on the countdown to leave her day job.
- [PPP119: The Pillars of Personal Profitability](https://personalprofitability.com/episode119/): This week is a throwback to our very first episode! We're talking about the core values of Personal Profitability and how to live better through your money.
- [When I Win the Lottery](https://personalprofitability.com/when-i-win-the-lottery/): In Colorado, there is no shortage of gambling opportunities. Just 45 minutes up the road in Blackhawk and Central City, we have large casinos that rival most Indian reservations. We have legalized bingo halls all over town. But the dream is to win the lotto.
- [How to Get a Bank Fee Refund](https://personalprofitability.com/bank-fee-refund/): In my time working as a bank manager, I saw the company make a fortune on overdraft and other fees. In fact, that was our second biggest income source after loan interest. We loved profits from fees, but there is one secret that the banks don't tell you: how to get a fee refund.
- [How To Avoid Credit Card Fee Traps](https://personalprofitability.com/how-to-avoid-credit-card-fee-traps/): Everyone knows that credit cards come with a certain amount of fees. That’s to be expected; it’s part of the way the credit process works, and there’s not a lot consumers can do except comparison-shop for the best deals.
- [PPP118: Understanding Economics With Andrei Polgar](https://personalprofitability.com/episode118/): In this episode, Andrei Polgar talks easy-to-understand economics and gives us actionable tips on preparing financially in an uncertain economy.
- [PPP117: 7 Ways Public Speaking Helps Your Business](https://personalprofitability.com/episode117/): In this episode with Martin Dasko, we discuss how public speaking can help your business! Learn how public speaking brings value & profit to your business!
- [PPP115: Planning Your Dream Vacation](https://personalprofitability.com/episode115/): On Episode 115, we're chatting with Martin Dasko about how to plan your dream vacation. We have some awesome planning tips you won't want to miss!
- [PPP112: Whitney Hansen on What Regular People Need to Know About Accounting](https://personalprofitability.com/episode112/): Welcome to episode 112, what regular people need to know about accounting! It's our last episode with Whitney Hansen and we cover lots of accounting topics.
- [PPP114: Talking Budget Travel with Martin Dasko](https://personalprofitability.com/episode114/): Welcome to Episode 114! We are talking to Martin Dasko about budget travel, which is the first episode in this month long series with Martin on travel!
- [PPP113: Climbing Out of Debt with Ericka Young](https://personalprofitability.com/episode113/): Welcome to episode 113, where we talk to Ericka Young about climbing out of debt. Ericka also gives us a crash course on her four-step debt free plan!
- [PPP111: How to Get Paid for Work Online](https://personalprofitability.com/episode111/): If you work online, you know how important it is to #getpaid. But what's the easiest way to get paid? We break it down for you -
- [PPP110: 5 First Steps for New Entrepreneurs](https://personalprofitability.com/episode110/): In this episode, Eric & Whitney talk 5 must-do first steps for new entrepreneurs. You won't want to miss this #business episode!
- [PPP109: 5 Core Skills to Conquer Your Money](https://personalprofitability.com/episode109/): Changes are coming to the Personal Profitability podcast! In this episode, we get back to basics with Whitney Hansen and the 5 core skills you need to conquer your money -
- [PPP108: Money Tips from Lynnette Khalfani-Cox](https://personalprofitability.com/episode108/): In this episode, I talk with Lynnette Khalfani-Cox, where she gives us a ton of smart money tips to help you achieve your own personal profitability -
- [Majoring in Getting a Job](https://personalprofitability.com/majoring-in-getting-job_07/): This one is for the college students and parents of college students (or soon to be college students) in the audience. As an undergraduate, I majored in finance. As a business major, I knew that I would have opportunities for a job no matter what happens in the economy. My friends who were in engineering
- [PPP107: Talking Side Hustle Success with Andy Hill](https://personalprofitability.com/episode107/): I'm happy to introduce this week's guest, Andy Hill, because we are covering several important topics related to personal finance, side hustling, and more -
- [Moving: Friends or Professionals](https://personalprofitability.com/moving/): This past weekend, I moved into my new condo. It takes a lot of work to move, and you have to decide if it is better to pay a professional moving company or make the move on your own.
- [PPP105: How to Rebuild After a Setback with Matt Theriault](https://personalprofitability.com/episode105/): Hey there Profiteers! I've got a great episode for you today, something we don't hear of too often. What happens when the industry you've chosen as "yours", the one to be part of your personal profitability, tanks? How do you rebuild? I talk about that and more in this episode with Matt Theriault -
- [PPP104: How Investing is Like Dating with Spencer Chambers](https://personalprofitability.com/episode104/): How is dating like investing? It turns out, they have a lot of similarities and, if you can date, your can invest! Don't believe me? In this episode, I catch up with Spencer Chambers about his new book, investing, and more!
- [PPP103: Mastering Your Small Business Finances with Jonathan Ankney](https://personalprofitability.com/episode103/): In this episode, I speak with Jonathan Ankney of Your Money and Your Business about small business accounting. There's no reason to fear small business accounting, and we'll cover a lot of important topics related to small businesses, bookkeeping, and more -
- [PPP102: Money Matters with Jen Hemphill](https://personalprofitability.com/episode102/): Today's guest, Jen Hemphill, is a podcaster and author who focuses on "financial truth" primarily for women. In addition to being a military spouse and a bilingual Latina, Jen is passionate about helping women (and men) get their finances on track with their dreams -
- [Credit Inquiries: A Soft Hit vs. a Hard Hit on Your Credit](https://personalprofitability.com/credit-inquiries-a-soft-hit-vs-a-hard-hit/): It is important to understand what will cause a soft hit vs. a hard hit on your credit, and what that does to your credit score over the next two years.
- [PPP101: Michael Anderson on the Importance of Financial Planning](https://personalprofitability.com/episode101/): You may think that financial advisors are only for the wealthy, but they're not! In this week's episode of the Personal Profitability Podcast, I talk with Michael Anderson, a financial planner with the XY Planning Network about financial planning, money lessons, and more.
- [PPP099: Kristin Wong on How to Get Money!](https://personalprofitability.com/episode99/): Have you ever read an article by Kristin Wong? You probably have, you just don't know it! Kristin is a popular personal finance writer and has written for Lifehacker and the New York Times. In this episode, we'll chat about her new book, personal finance, and more.
- [PPP098: Carl Gould on Success in Business](https://personalprofitability.com/episode98/): Today's guest really exemplifies living the personal profitability lifestyle. Carl Gould started three, million dollar plus businesses - all before the age of 40. In this episode he shares his story with us!
- [Escaping Verizon for Google Fi - Budgeting Big Wins](https://personalprofitability.com/google-fi/): Google Fi is a new phone service from Google, and moving from Verizon saved me nearly $1,000 per year on my phone bill.
- [PPP097: Investing for the Future With Chris Costello](https://personalprofitability.com/episode97/): Are you worried you're saving enough for retirement, but you're not quite sure what you should focus on? Don't let analysis lead to paralysis - take a listen to this week's podcast episode with retirement pro Chris Costello.
- [Selling Out: Do Business People Have a Soul?](https://personalprofitability.com/selling-out/): A long time ago in a galaxy far, far away… I mean, more like ten years ago about twenty minutes south on I-25, I took my first business and economics classes. Those classes changed my life and my outlook.
- [Preparing for Your First Joint Tax Return](https://personalprofitability.com/preparing-first-joint-tax-return/): If you are newly married, you have to decide if you want to file a joint tax return. There are a ton of implication of tying the knot you need to know.
- [PPP096: The Magic Behind Podcast Editing with Corey King](https://personalprofitability.com/episode96/): When you listen to your favorite podcast (hopefully this is one of them!), I bet you never think about all the work that goes on behind the scenes of making that podcast sound amazing and seamless. The magic of podcast editing with Corey King!
- [How You Spend Points and Miles Is Just As Important As Earning Them](https://personalprofitability.com/how-you-spend-points-and-miles-is-just-as-important-as-earning-them/): About four years ago I made the transition from being a casual earner of frequent flier miles to becoming a serious mileage junkie. How serious am I? I attend conferences devoted to the subject and make a nice living writing about loyalty travel programs and credit cards. But having earned millions of points and miles through some ingenious methods, I reached an inescapable conclusion that will sound very familiar to personal finance enthusiasts: Spending points and miles wisely is at least as important as finding ways to earn them.
- [Appreciate What You Have Around You](https://personalprofitability.com/appreciate-what-you-have-around-you/): On Friday I took a hike with a group of co-workers to the top of the 14,265 foot Quandary Peak. The hike was challenging, but all 61 of my group made it to the top. The view was astounding. The mountain was exhausting. Reaching the summit was rewarding. After fighting through the headache and dehydration
- [7 Ideas to Make Your Commute Suck Less](https://personalprofitability.com/make-your-commute-suck-less/): I drive 20 miles in rush hour traffic to work and back every day. I have a good job at a good company and I live where I want to live around friends and a great neighborhood. But connecting the two is torture every day. Here are six ways I’ve found to make the drive
- [PPP058: I'm Jordan Goodman and I'm The Money Answers Man](https://personalprofitability.com/episode58/): Jordan Goodman has the nickname "The Money Answers Man" thanks to decades writing for top money publications. We talk early mortgage payoff and more!
- [How I Make More Money in Spare Time](https://personalprofitability.com/how-i-make-more-money-in-spare-time/): I have taken Ramit Sethi's thoughts on making an extra $1,000 per month to heart.
- [The Ultimate Guide to Making Money with Lending Club](https://personalprofitability.com/ultimate-guide-to-lending-club/): I have been using Lending Club since 2009 to try to make the best return on my investment. Here’s how I get over 11% returns and how you can do it too.
- [PPP004: Can I Invest My Tax Refund in an IRA and File an Amended Return?](https://personalprofitability.com/episode4/): Today a listener asks if you can take your tax refund, invest in an IRA, and file an amended return to get a second refund. Finance Diva Nichole joins in.
- [PPP041: Smart Business Partnerships with Joe and Kathleen from Stacking Benjamins](https://personalprofitability.com/episode41/): Recorded live in San Diego, we discuss the ups and downs of creating a successful business partnership with Joe and Kathleen from Stacking Benjamins.
- [PPP005: I'm Melanie and I Quit My Job to Work for Myself](https://personalprofitability.com/episode5/): Today we welcome guest Melanie Lockert, a self-employed freelancer who quit her job in a non-profit to work for herself. She also happens to be one of our writers here at Personal Profitability. Melanie began her career with plenty of student debt after attending college in California and graduate school at NYU in New York
- [What is an Overdraft Line of Credit?](https://personalprofitability.com/overdraft-line-of-credit/): In the wake of 2010 banking regulations that require customers opt-in to get their overdrafts paid, and pay overdraft fees, banks have been pushing overdraft lines of credit as an "alternative to save you money." Let's take a look at how good of a deal this really is for the typical bank customer. What is
- [Should I Set Up a Company for Side Income?](https://personalprofitability.com/should-i-set-up-company-for-side-income/): Many Narrow Bridge Finance readers work on a side project or hobby outside of their main job to earn side income. While managing the finance for side income is only a small project early on, as the company grows it becomes more complicated. At that point, it is best to decide if it is worthwhile to create a legal company for business operations.
- [An Amazing Trip to Israel on a Budget](https://personalprofitability.com/an-amazing-trip-to-israel-on-a-budget/): A while back, I shared how I bought two round trip tickets to Israel for $280 using a credit card churn and fee airline miles. Yes, that’s right. $140 per person round trip including all taxes and fees. Well, I just got back and want to share how we had an amazing trip on a budget.
- [My New Stock Investment: The Coca Cola Company](https://personalprofitability.com/my-new-stock-investment-the-coca-cola-company/): Long time readers already know that I am a fan of Warren Buffet. His value investing strategy has led to massive gains over the years. So when I have a little free cash, one place I always look is at the stocks Warren has bought for Berkshire Hathaway. This week, I purchased The Coca Cola Company. Here’s a brief analysis to explain why I did it.
- [How Mortgages Work](https://personalprofitability.com/how-mortgages-work/): Do you realize how many types of mortgages are offered today? You most likely know about some of the most common, but what are the true details of these mortgage types? And what are the other types of mortgages that are offered? Is your mortgage right for your situation? Let's first explore the various types of mortgages that are offered and how they work.
- [Are Expensive Wines Worth the Money?](https://personalprofitability.com/are-expensive-wines-worth-the-money/): If you are a wine fan like me, you sometimes struggle to find the right balance between quality and cost. According to a study by Freakonomics authors Stephen Duber and Steven Levitt, price has very little to do with quality. That led me to wonder if most of us overpay for wine.
- [Start Planning Your Home Summer Maintenance Projects](https://personalprofitability.com/home-summer-maintenance-projects/): Have you started your list of summer maintenance projects? If not, here is a comprehensive list of nine things that you should do before summer is over.
- [Should I Pay My Significant Other’s Debt?](https://personalprofitability.com/should-i-pay-my-significant-others-debt/): In a perfect world, we wouldn’t have to worry about student loans and credit card debt when dating, but credit score dating has become a real thing. Once you are past dating and in a serious relationship, things get even more complicated.
- [3 Great Ways to Celebrate the Fourth of July on the Cheap](https://personalprofitability.com/3-great-ways-to-celebrate-fourth-of-july/): Tomorrow is the Fourth of July and there are many ways to celebrate and still be frugal. What are some of your favorite ways to celebrate the holiday?
- [6 Myths About Frequent Flyer Miles Exposed](https://personalprofitability.com/6-myths-about-frequent-flyer-miles-exposed/): I have so many friends that pay full price for their flights. Every time they tell me they can’t take a trip because of the cost, I tell them that there are tons of ways to use miles and points to travel cheap. Here are some of the reasons they give me for thinking they can’t travel cheap, but are not really true.
- [The Secret World of Business Travel You Didn’t Know Existed](https://personalprofitability.com/secret-world-business-travel-didnt-know-existed/): Business travel status has its perks. Business and wealthy travelers get free upgrades and perks above what many travelers even know exist.
- [Should You Have a Safe Deposit Box?](https://personalprofitability.com/should-you-have-safe-deposit-box/): Safe deposit boxes can be a great way to keep valuables safe. Many people don't realize how affordable it can be to have extra protection for your most valuable documents, data, and heirlooms.
- [How Credit Cards Are Paying For My Birthday Party in Vegas](https://personalprofitability.com/how-credit-cards-are-paying-for-my-birthday-party-in-vegas/): Have you ever earned a free plane flight or hotel stay thanks to churning credit cards? What are some of your tips to get the most out of your points?
- [How Dividend Payments Work](https://personalprofitability.com/how-dividend-payments-work/): Unless you are in retirement, non-dividend stocks may be better than ones that pay out a dividend. But can you game dividends to make even more?
- [I Hate My Bank, Where Should I Go?](https://personalprofitability.com/i-hate-my-bank-where-should-i-go/): The banking industry has changed a lot in the last 10-20 years - not by plan, but by necessity to survive.
- [What to Do if You Find Yourself in Credit Card Debt](https://personalprofitability.com/what-to-do-if-in-credit-card-debt/): Many individuals have dealt with credit card debt on one level or another. By dealing with the problem head on you can improve your chances of slaying it.
- [Why Credit Card Debt Should be One of the Seven Deadly Sins](https://personalprofitability.com/why-credit-card-debt-should-be-one-of-the-seven-deadly-sins/): You all know that I think credit cards are awesome. Credit card rewards have helped me travel the world for almost nothing, and they can be the doorway to great travel benefits. However, credit card debt can be crippling financially and should be avoided at all costs.
- [Is Your Credit Card Debt Worth the Cost?](https://personalprofitability.com/is-your-credit-card-debt-worth-the-cost/): Credit card debt can be like a noose around your neck if not taken care of in a timely fashion. Ask yourself if it is worth that cost in the long run.
- [4 Tips to Retire Wealthy](https://personalprofitability.com/4-tips-to-retire-wealthy/): How often do you think about retirement? If you are anything like me, you think about the future quite a lot to ensure a long, stress free life. If, however, you are like most of the U.S., then you are probably saving something for the future, but it is very little in comparison to your current earnings. And also, if you are like the majority, you have no idea if what you're saving will even be enough once you retire!
- [Investment Analysis: Valuing a Stock with Multiple Analysis](https://personalprofitability.com/valuation-of-stock-by-comparing-to/): Lately, I have been a big fan of investing in low fee mutual funds and ETFs. It takes a lot less work and research to invest in funds than stocks. That doesn’t mean I don’t have any individual stocks though. There are many methods to value a stock, and a comparison to similar companies is an important part of the investor’s toolbox.
- [Six Steps to Take Now to Retire a Millionaire](https://personalprofitability.com/six-steps-to-take-now-to-retire-a-millionaire/): So you want to become a millionaire? The path isn’t easy. Those seeking millionaire status are going to have to make some extreme lifestyle changes to get there, and here are six ways to start.
- [Build Your Pipelines and Grow Rich](https://personalprofitability.com/build-your-pipelines-and-grow-rich/): Let me ask you this, "How many sources of income do you have?" You may have actually never heard this question before because most people have just one!
- [How to Avoid Wage Garnishment](https://personalprofitability.com/avoid-wage-garnishment/): If you are in debt, find out ways to avoid wage garnishment. Wage garnishment is when a creditor takes money from your paycheck to fund an unpaid debt.
- [How to Save For Your First Home Purchase](https://personalprofitability.com/first-home-purchase/): Are you saving up for your first home purchase, but it is taking forever? Try these tips and you might have your first home purchased before you know it.
- [PPP018: All You Need to Know about the Stock Market](https://personalprofitability.com/episode18/): Today we take a deep look into the stock market. Where it came from and how it works today. Learn how to open your investment account and trade stocks free.
- [Turning a Hobby into Income](https://personalprofitability.com/turning-hobby-into-income/): In 2008, I started this blog as a hobby with a goal of making a few bucks in extra income. It took a lot of hard work, but this site is now generating about 15% of my annual income before taxes. That is pretty sweet! Here are some tips to turn your hobby into income.
- [How to Avoid ATM Fees](https://personalprofitability.com/how-to-avoid-atm-fees/): I rarely use cash anymore, but it is inevitable that we all need cash for something at one time or another. To make sure you don’t get stuck throwing away money on ATM fees, plan ahead or follow these tips.
- [PPP037: Kevin Smith and Friends at Podcast Movement](https://personalprofitability.com/episode37/): Kevin Smith dropped in to join me with personal finance experts Michelle Jackson, Miranda Marquit, and Phillip Taylor to discuss side income and careers.
- [Donations and Giving](https://personalprofitability.com/donations-and-giving/): As we move through the holiday season, many people take a few minutes to stop thinking about themselves and start thinking about giving money to their community. I grew up a big advocate of giving my time rather than my money. As my career has moved forward, I am now more easily able to give money. Deciding how much to give, and where, is an important decision for your personal finances.
- [4 Banks with No Fee Checking and Savings](https://personalprofitability.com/4-banks-with-no-fee-checking-and-savings/): I had a checking account at US Bank for more than ten years. When I signed up, I filled out forms for a “free checking for life” account. Last year, they decided to start charging a monthly fee. I closed the account. While there was no option to keep my free checking for life at US Bank, I have found many banks that offer free accounts.
- [Be Prepared to Lose Your Wallet](https://personalprofitability.com/be-ready-to-lose-your-wallet/): Hopefully you will never have to go through this scenario that millions of people have had to deal with. Only one in five lost wallets makes it way back to its owner, so it is very important to be prepared for the worst case scenario if your wallet goes missing.
- [Should I Refinance My Mortgage?](https://personalprofitability.com/should-i-refinance-my-mortgage/): Last week, I did some digging on mortgage rates and had a talk with my mortgage banker, who happens to be a work friend of my Dad’s. After talking for a bit, she found me a rate that seemed almost too good to be true. 2.875% is a big improvement from my 4.25% mortgage. I did an analysis to figure out the best decision for me.
- [Keep a Thin Wallet: Convert 8 Cards into One With Coin](https://personalprofitability.com/keep-a-thin-wallet-convert-8-cards-into-one-with-coin/): On Friday, I pre-ordered a Coin. Coin is a new, high tech card that helps on the quest to have an organized wallet and a minimalist wallet.
- [5 Tips for an Organized Wallet (or Purse)](https://personalprofitability.com/organized-wallet-purse/): While I was once on the verge of the Costanza Wallet, I have since become an organized wallet guru and love my minimalist wallet approach.
- [Why Couples Need a Weekly Family Business Meeting](https://personalprofitability.com/family-business-meeting/): If you are married, it is important to make sure you are on the same page with your money priorities. Get started with a weekly family business meeting.
- [Should I Max Out My Roth 401k?](https://personalprofitability.com/should-i-max-out-my-roth-401k/): Many people ask the question, "Should I max out my Roth 401k?" As with any financial question, the answer is, "It depends".
- [Should I Max My 401(k) or my Roth First?](https://personalprofitability.com/should-i-max-my-401k-or-my-roth-first/): A commenter had a great question about the value of maxing your Roth IRA first or your company’s 401(k) plan first. Here's how to decide which to max first.
- [Start Your New Year Investment Goals for Free – How Loyal 3 Works](https://personalprofitability.com/new-year-investment-goals-for-free/): A few months back, I shared a great new investing platform at Loyal3. Loyal3 offers retail investors (that means you and me, not super high volume traders) a way to buy stocks in companies we believe in and use every day with no trading fees. I thought it was too good to be true, so I tried it out and asked the great folks at Loyal3 some questions about how their platform works.
- [PPP008 Fractional Shares of Stock](https://personalprofitability.com/episode8/): What happens when you end up with less than a whole share of stock? Learn about fractional shares in this episode of the Personal Profitability Podcast.
- [PPP006: How Do I Automate Retirement Contributions when Self Employed?](https://personalprofitability.com/episode6/): If you are self employed, you still need to make retirement contributions. Here is how to automate them even with irregular income.
- [7 Unexpected Uses for Banks](https://personalprofitability.com/7-unexpected-uses-for-banks/): Most of us think about banks for checking and savings accounts, tellers and ATMs, but don’t know about the wide array of services some banks offer. In my time working in a bank, I learned a ton about what we had to offer, and some larger, national banks offer even more.
- [6 Awesome Benefits of the Affordable Care Act](https://personalprofitability.com/6-awesome-benefits-of-the-affordable-care-act/): I have spoken to many friends over the last month or so about the Affordable Care Act, commonly known as Obamacare, about the benefits they can get from the new law. There are so many lies and so much misinformation out there regarding the law, it is important to understand the key benefits you get from this historic legislation.
- [3 Great Ways to Bring the Tailgate Party Home](https://personalprofitability.com/great-ways-bring-tailgate-party-home/): Going to a tailgate party can be fun. But if you're no longer on campus, you can still enjoy tailgate parties at home and do so without busting your budget.
- [Build Your Own Low Interest Equity Credit Card](https://personalprofitability.com/build-your-own-low-interest-equity/): Do you own a home and have credit card debt? Tap your home equity and create a HELOC with a debt card to get debt free faster and save big on interest.
- [11 IFTTT Recipes To Make Your Finances Easier](https://personalprofitability.com/using-ifttt-to-make-your-finances-easier/): IFTTT is one of the most useful (and free) web apps I have ever found. IFTTT, which stands for “If This, Then That” can automatically connect you, your social media, news, and tons of other apps for automatic actions. Here are a few of my favorite recipes for staying connected to your finances and saving money.
- [Term Life Insurance is a No Brainer for Millennials](https://personalprofitability.com/term-life-insurance-no-brainer-millennials/): This article was sponsored by SelectQuote, but all thoughts and opinions are my own. If you enjoyed it, give it a share with the hashtag #SQinsurance! Millennials are proving to be a unique generation dealing with personal finances. Despite our YOLO reputation, Millennials are proving to be bigger savers and 401(k) investors than our Generation X predecessors, but
- [Large Currency Transactions](https://personalprofitability.com/large-currency-transactions/): Large currency transactions are tracked by banks and the government by law. Learn about $10,000+ large currency transactions.
- [Travel Hacking on a Budget](https://personalprofitability.com/travel-hacking-on-a-budget/): Travel hacking can be a great way to earn rewards for a free trip if you do it right. I share some of the secrets of travel hacking while also living on a budget.
- [What Would You Do If You Had $10,000?](https://personalprofitability.com/what-to-do-with-10000/): What should you do with $10,000 if you get a financial windfall? It is important to invest and spend wisely rather than waste in on short-term thrills.
- [Underpants Gnome Capitalism](https://personalprofitability.com/underpants-gnome-capitalism/): Phase 1: Collect Underpants. Phase 3: Profit. Who says you can't learn any good financial lessons from South Park?
- [How to Steer Your Investment Portfolio in the Direction of Success](https://personalprofitability.com/steer-investment-portfolio-success/): There are many things you can do that will impact your investment portfolio, the key is to know what your goals are and to manage your portfolio accordingly.
- [5 Examples of Indulgences of the Super Rich](https://personalprofitability.com/5-examples-of-indulgences-of-the-super-rich/): We all dream about living the lifestyles of the rich and famous, but I wondered what the rich and famous dream about. Here is a list of a some extravagant collections and purchases that even most millionaires could only dream of.
- [Easy Ways to Save with Amazon Subscribe and Save](https://personalprofitability.com/save-with-amazon-subscribe-and-save/): I don’t like shopping. I don’t like going to the store. I don’t like lines. I don’t like the parking lots. I don’t like carrying bags of stuff back home. Just not my thing. For a handful of items that I need regularly, I found I can save the time and inconvenience, plus 5, using Amazon’s subscribe and save.
- [Saving Money: Summer Checkup](https://personalprofitability.com/saving-money-summer-checkup/): It's hard to believe it, but half of the year is gone. Instead of letting the summer malaise hit you, look forways to be saving money to end the year right.
- [What is a HELOC?](https://personalprofitability.com/what-is-a-heloc/): Driving around your hometown, you probably see signs in bank windows that advertise HELOCs. What is a HELOC anyway? This guide will get you started.
- [4 Potential Uses for Your Income Tax Refund](https://personalprofitability.com/4-uses-for-income-tax-refund/): Taxes are due soon which means you might be getting an income tax refund. There can be many uses for this found money, depending on what your financial situation is.
- [PPP003: I'm Jeff and I Own Six Niche Sites](https://personalprofitability.com/episode3/): Join me and Jeff Fruhwirth of Sustainable Life Blog as we discuss growing your side income, health insurance, and our biggest online failures.
- [Bank Review: Capital One 360](https://personalprofitability.com/bank-review-capital-one-360/): Capital One 360 is a very popular online bank. In six years as a customer, I have learned the upsides and the downsides to Capital One 360 Checking.
- [6 Ways to Get Money in a Hurry](https://personalprofitability.com/how-to-get-money-in-a-hurry/): Everyone doesn't follow the advice to have an emergency fund for times when you need cash in a pinch. Other people get stuck needing more than they saved for. Whether your car breaks down or your water heater blows up, sometimes you need cash in a hurry.
- [6 Reasons Financial Advisors Are Scarier Than Dating Taylor Swift](https://personalprofitability.com/financial-advisors-are-scarier-than-dating-taylor-swift/): The 23 year old singer broke into the spotlight with poppy, catchy songs a few years ago. As she rose to fame for her music, she also gained a reputation for being a serial dater. The celebrity list includes singer/actor Joe Jona, actor Taylor Lautner, musician John Mayer, actor Jake Gyllenhaal, Kennedy heir Conor Kennedy, and singer Harry Styles. Then she writes songs about them…
- [What is the Dow Jones Industrial Average?](https://personalprofitability.com/what-is-the-dow-jones-industrial-average/): Have you ever wondered what the Dow Jones Industrial Average actually is? This list of 12 companies has become a cornerstone of our financial markets.
- [How to Save for Retirement When You’re Self-Employed](https://personalprofitability.com/save-for-retirement-self-employed/): It can be difficult to balance trying to save for retirement while being self-employed. While it's more difficult, these tips should help you get started.
- [Skip the Airport Security Line for $20 per Year](https://personalprofitability.com/skip-the-airport-security-line-for-20-per-year/): Thanks to TSA Pre-Check, each time I go through security it’s a breeze. And for $20 per year, there is no reason any frequent traveler should go without it.
- [How Public Employee Retirement Accounts Work](https://personalprofitability.com/how-public-employee-retirement-accounts-work/): A Narrow Bridge reader recently asked this seemingly simple question: If you leave employment, what should you do with your Colorado PERA account (a retirement account for public employees in Colorado)? We know public pensions can be a bit nebulous, so we thought it was a good opportunity to dive deep on this topic.
- [What to Do If Your Job Does Not Give You Insurance](https://personalprofitability.com/what-to-do-if-your-job-does-not-give/): In my adult life, I've had two short spells where I didn't have insurance from my job. The first time was while working as a server at a restaurant between jobs in 2008, the second is right now, where my new company's insurance doesn't kick in for 90 days. In those times, I have had to find my own insurance or be in scary situation of not having insurance.
- [Should You Get A Credit Card After Paying off Debt?](https://personalprofitability.com/credit-card-paying-off-debt/): If you just finished paying off debt you may start to wonder about when you should get a new credit card. Here are some common tips to get you started.
- [How to Manage Student Loan Payments when Self-Employed](https://personalprofitability.com/student-loan-self-employed/): Are you self-employed and in debt? Learn how you can rock self-employment and continue to pay off debt.
- [Call Comcast to Ask for a Discount](https://personalprofitability.com/call-for-a-discount/): Dealing with Comcast can be a nightmare, but persistence can pay off and save you a lot of money through a service discount.
- [How Often Do You Plan For Your Retirement?](https://personalprofitability.com/plan-for-your-retirement/): It is common for a family to spend more time planning for their big vacation each year than on planning for their retirement. Does that seem strange to you?
- [PPP002: Pay off Debt or Save for Retirement?](https://personalprofitability.com/episode2/): Reader Erin asks if she should pay off her student loans before she starts saving for retirement in this episode of the Personal Profitability Podcast.
- [How to Setup an HSA](https://personalprofitability.com/setup-hsa/): Do you want to open or start and HSA but you don't know where to start. Here's all you need to know about your first health savings account.
- [Is Cell Phone Insurance Worth the Cost?](https://personalprofitability.com/is-cell-phone-insurance-worth-the-cost/): When you go into the store and pick out your fancy new Android or iPhone, the sales folks always offer you an insurance plan for your phone. These plans are usually about $10 per month and sound like a good deal, but is it really worth the cost?
- [Hobby to Business: How to Grow Your Hobby into a Serious Income Source](https://personalprofitability.com/grow-hobby-business-income-source/): If you want to turn your hobby into a business and grow your hobby into a serious Income source, use these four tips to build your business.
- [PPP007 I'm Jeffrey and I Quit my Job to Freelance, Then I Got a New Job](https://personalprofitability.com/episode7/): Join online worker Jeffrey Trull to learn about moving from a full time job to freelancing and back in this episode of the Personal Profitability Podcast.
- [Your Student Loans Are Killing You](https://personalprofitability.com/student-loans-killing-you/): If you have student loans, they could be making you depressed. Learn ways that student loans are killing you and how to overcome it.
- [PPP011: I'm Eric and I Make $30,000 Per Year on the Side](https://personalprofitability.com/episode11/): The tables are turned as regular host Eric is interviewed about blogging, freelancing, travel hacking, and his new secret project.
- [Should Student Loans Delay Buying a Home?](https://personalprofitability.com/student-loans-delay-buying-home/): Should student loans delay buying a house? Many people would say no, but if a debt load is overwhelming, that debt should be paid before buying a home.
- [How LinkedIn Saved My Butt and Can Make Your Career Amazing](https://personalprofitability.com/linkedin-saved-butt-can-make-career-amazing/): On a Friday afternoon in August, I received a message on LinkedIn that my qualifications made me a fit for a job. I started 32 days later.
- [Cash, Debit, or Credit - How Do You Pay for Big and Small Purchases?](https://personalprofitability.com/cash-debit-credit/): How do you pay for big and small purchases? Cash, debit, or credit? Each have their own advantages. Read more about the pros and cons of each.
- [The Three Best Ways to Cut Your Expenses](https://personalprofitability.com/three-best-ways-cut-expenses/): How can you possibly cut your expenses? You live on practically nothing as it is. I've done it myself and had huge success cutting my expenses.
- [Working at a Big Company vs. Working at a Small Company](https://personalprofitability.com/working-at-big-company-vs-working-at/): Working at a big company has its perks, but there are some big drawbacks as well. Does a big company make better sense for you, or a small one?
- [How to Get Off the Grid](https://personalprofitability.com/get-off-the-grid/): Have you ever thought that maybe you’d like to escape this fast-paced world that we live in today? Here is a plan to get off the grid completely.
- [How to Fill Out Your Tax Forms on Your First Day of Work](https://personalprofitability.com/fill-tax-forms-first-day-work/): I remember every first day of work I’ve ever had. That feeling of nervous excitement. That great opportunity in front of me. And, oh yeah, tax forms.
- [PPP013: I Am a Professional Wrestler with Martin Dasko](https://personalprofitability.com/episode13/): This week we welcome entrepreneur, hustler, and professional wrestler Martin Dakso. Martin started earning money at age 11, and has never slowed down.
- [3 Reasons You Don't Become Wealthy By Paying Retail](https://personalprofitability.com/3-reasons-you-dont-become-wealthy-by-paying-retail/): Do you know anyone that is a millionaire? Don't look at their wrist for a gaudy watch or check their driveway for brand new cars and boats. There are plenty of people that show off some expensive products, but they don't actually own any of it. Truthfully, most of the people that look like they are millionaires are actually flat broke. All of their toys and homes are financed through the bank and they are in debt up to their eyeballs (or over their head).
- [Why is Gas so Expensive?](https://personalprofitability.com/gas-prices-expensive/): Here in the USA, we love our gas. Each day, we consume enough gasoline to fill up over 550 Olympic-sized swimming pools. There is an average of one car for every two Americans. And boy do we like to drive. According to the US Department of Transportation, each American driver drives an average of 15,000 miles per year.
- [5 Backyard Budget Entertaining Ideas](https://personalprofitability.com/5-backyard-budget-entertaining-ideas/): Having friends over is a ton of fun. Here are five budget entertaining ideas to have people over while the weather is nice without blowing your budget.
- [PPP009 I'm Kathleen and I Save Half My Income](https://personalprofitability.com/episode9/): This week I am thrilled to bring on guest Kathleen Celmins. Kathleen is the owner of Frugal Portland, For Profit Blogging, and personal finance influencer.
- [PPP012: I'm Lee and I Flip Houses and Travel for Free](https://personalprofitability.com/episode12/): This week we welcome Lee Huffman: banker, real estate investor, and travel hacker who shares hustling experiences and wisdom for big side income.
- [9 Top Luxury Purchases From JamesEdition - The Craigslist for Billionaires](https://personalprofitability.com/luxury-purchases-jamesedition-the-craigslist-for-billionaires/): Billionaires make luxury purchases quite often, and many of us don't even realize the high cost of some of these items!
- [5 Things You Need to Know Before Saying Yes to Student Loans](https://personalprofitability.com/saying-yes-student-loans/): Thinking about going to college and getting student loans? Here are 5 things you need to know before saying yes to student loans
- [Price Protection: My Experience with Chase Card Benefits](https://personalprofitability.com/price-protection/): An item I purchased went on sale for half off two weeks after buying, and I wanted to get the difference back. Credit card price protection saved the day.
- [How I Save](https://personalprofitability.com/how-i-save-2/): Between cooking at home, cutting cable, riding my bike, and fixing up my house on my own, here are examples of How I Save money every month.
- [How to Handle a Large Inheritance](https://personalprofitability.com/handle-large-inheritance-2/): You might think that you'll never receive a large inheritance, but it's not as uncommon as you might think. Over 2/3 of people over 60 plan an inheritance.
- [10 Ways to Become the MacGyver of Earning More Money on the Side](https://personalprofitability.com/more-money-on-the-side/): Have you ever thought about earning more money on the side? It is definitely possible! Earn more money on the side by starting your very own business.
- [PPP015: I'm Miranda Marquit and I'm a Full-Time Freelancer](https://personalprofitability.com/episode15/): Today we welcome professional freelancer Miranda Marquit to tell us how she got started, how she grew her income, and how she makes over $100k per year.
- [PPP021: I'm Suzan Bond and I'm Self Employed and I Love It](https://personalprofitability.com/episode21/): Today we welcome my friend Suzan Bond, a self-employed entrepreneur who has survived five layoffs and created multiple successful businesses.
- [How to Find the Best Mortgage Loan in 3 Simple Steps](https://personalprofitability.com/find-the-best-mortgage-loan/): Are you looking to buy a home? Make sure you are getting the best rate on your mortgage with these 3 simple steps.
- [PPP035: I'm Jason Vitug and I Went on a Financial Literacy Road Trip](https://personalprofitability.com/episode35/): Jason Vitug is the founder of successful finance site Phroogal, travel the country on a financial literacy road trip, and just launched a new book!
- [PPP034: I'm Matt Giovanisci and I'm an Online Income Experimenter](https://personalprofitability.com/episode34/): Matt never went to college, but he schools most of us when it comes to online income. Learn how he is working to replicate his success with coffee!
- [PPP027: I'm LaTisha Styles and I Quit My Job to Follow a Dream](https://personalprofitability.com/episode27/): Longtime listeners know the welcoming voice of LaTisha Styles. This week, LaTisha Styles shares how quit her job and started a great new career in episode 27.
- [PPP025: I'm JD Roth and I Got Rich Slowly, Then Sold My Blog for Seven Figures](https://personalprofitability.com/episode25/): For the 1st anniversary show, we welcome one of the "Godfathers of Personal Finance Blogging," Get Rich Slowly founder JD Roth!
- [PPP040: 5 Month Self-Employment Review](https://personalprofitability.com/episode40/): At big corporations, most employees get a semi-annual review. But now that I work for myself, I can give myself a review whenever I want! Am I a success?
- [How to Start Your Own Business with Little Money](https://personalprofitability.com/start-your-own-business/): On Friday night, I had the pleasure of joining Chris Guillebeau and other like minds on the Denver stop of the $100 Startup Book Tour. It was fun meeting people who only knew me as “@DenverEric,” and I enjoyed chatting about world travels and business adventures with a great group of people.
- [PPP022: We're The Switchback Kids and We're Going to Every National Park](https://personalprofitability.com/episode22/): This week I welcome Cole and Elizabeth, the Switchback Kids, who are on the trip of a lifetime visiting all 59 United States National Parks in one year. Learn how they came up with the idea, and are paying for it, in this week's episode. Resources Mentioned Switchback Kids Blog National Park Service Full Transcript Eric
- [PPP054: I'm Josh Elledge and I Help Bloggers with PR](https://personalprofitability.com/episode54/): Josh Elledge has founded two successful businesses, a personal finance website and a public relations service for bloggers. Learn how he does it all today!
- [PPP055: I'm Shannon McLay and I Run a Financial Gym](https://personalprofitability.com/episode55/): Shannon McLay quit her Wall Street job to become her own boss, the owner of a financial gym. Learn her story in today's episode of the podcast.
- [PPP020: The 13th Month Income Challenge](https://personalprofitability.com/episode20/): Today we discuss the 13th Month Income Challenge. What would you do with an extra month of income each year?
- [PPP016: I'm Jack Nadel and I Created a Multi-Million Dollar Empire](https://personalprofitability.com/episode16/): In our interview, we discuss how Jack Nadel started his first business and took advantage of market opportunities to create a multi-million global empire.
- [PPP049: I'm Steve Stewart and I'm a Professional Podcast Editor](https://personalprofitability.com/episode49/): He started out as a financial coach, but Steve Stewart took a risk and shifted his focus. He is now a full-time podcast editor making a great living.
- [PPP059: Welcome to the New Format & Speaking as a Business with Grant Baldwin](https://personalprofitability.com/episode59/): Public speaking can be big business for solo entrepreneurs and side hustlers, but only if you follow the steps to get booked and paid to speak. Learn how!
- [How to Get Started Listening to Podcasts for Free](https://personalprofitability.com/listen-to-podcasts-for-free/): Podcasts are for radio what Netflix is for TV and movies. You can listen to anything you want on demand, but for free! Learn how it all works here.
- [PPP046: I'm Jana Lynch and I Side Hustle for Fun](https://personalprofitability.com/episode46/): Jana is an avid reader and blogger, and has had her share of online business adventures. Over time she found that she was into more than making money.
- [PPP047: I'm Paul and I Live on the Road With My Family](https://personalprofitability.com/episode47/): Paul Kortman has come so far that he rarely works more than four hours per day and can work literally anywhere in the world with an internet connection.
- [PPP052: I'm Phillip "PT" Taylor and I Run FinCon](https://personalprofitability.com/episode52/): Meet Phillip Taylor, the man behind the popular PT Money blog and FinCon, and how he left his accounting day job to follow his online passion.
- [PPP053: I'm Elle Martinez and I Help Couples Manage Their Money](https://personalprofitability.com/episode53/): Elle quit her job to run her own online brand, a blog and podcast focused on helping couples manage their money. Learn how she did it in today's episode!
- [The Economics of Cutting the Cord](https://personalprofitability.com/the-economics-of-cutting-the-cord/): I got rid of my cable in January, 2010. It was a liberating and awesome moment. Cutting the cord is one of the easiest ways to save on home expenses. But when I tell people, they ask, "what about sports, what about new TV shows?" I don't need sports or new shows, I'm happy with old shows. But if you are interested in keeping sports and new shows without cable at home, read on for a full breakdown.
- [PPP039: I'm Eric Nisall and I Do Accounting Like a Boss](https://personalprofitability.com/episode39/): Eric has come a long way to running his own accounting business. Learn how he went from flipping burgers to crunching numbers in this week's episode.
- [PPP024: I'm Joe Udo and I Actually Retired by 40](https://personalprofitability.com/episode24/): This week I am excited to introduce you to guest Joe Udo, a fellow Portland resident who followed his dream and left his full-time job before his 40th birthday. Learn how he did it in this week's episode. Resources Mentioned Retire by 40 Joe on Twitter Full Transcript Eric Rosenberg: Ladies and gentlemen, boys and girls,
- [Your Mattress is Not FDIC Insured – Four Reasons to Keep Your Money in the Bank](https://personalprofitability.com/reasons-keep-your-money-in-the-bank/): On the heels of the election, many people are worried about the economy, their investments, and their money. I think we are, in fact, in a good place and on track for great growth in the United States and Canada. Europe may have a tougher time. Some people have been so scared that they took their money out of the bank. Let’s just be clear, you should never do that.
- [Why I Spent $30 To Shave and It was Worth Every Penny](https://personalprofitability.com/30-dollar-shave/): For as long as I can remember, I have hated shaving. Seriously. I would do anything I could to avoid it. I didn’t want a beard, so shaving was an inevitable part of my life, so I am always searching for a way to make it suck less.
- [Think Twice When Trusting Your Realtor](https://personalprofitability.com/think-twice-when-trusting-your-realtor/): A year ago last month, I bought my condo. The biggest purchase of my life was one I could not have made on my own. I turned to trusted people to help me through the process. My parents provided guidance, having bought homes in the past. My mortgage banker, a work friend of my father, walked me through some of the steps in closing my first mortgage. Last, but certainly not least, my realtor, a family friend, helped me find my home and get the best price possible. Allegedly.
- [5 Things You Should Never Spend Money On](https://personalprofitability.com/5-things-you-should-never-spend-money-on/): The old adage is true: It pays to save. And as today's economy sputters, it's never been more important to cut costs everywhere. Beyond that, there are actually household necessities you can get without spending a dime - yes, free. If you pair these things with your overall coupon cutting and deal shopping, you'll go far toward maximizing your bottom line.
- [Reasons You Don't Need a Credit Repair Company](https://personalprofitability.com/reasons-you-dont-need-a-credit-repair-company/): Credit repair companies advertise that they can turn your credit around quickly and with little work on your part. While some credit repair agencies are reputable, many falsely advertise and mislead consumers into thinking they can fix it all for a fee. Before you hire a credit repair company, here are some reasons you shouldn't and tips to take care of your credit on your own.
- [Save Money with Travel Packing Tips](https://personalprofitability.com/save-money-with-travel-packing-tips/): You already have your luggage, 3 oz. bottles for toiletries and your identification handy before your trip but you’re not as organized as you’d like to be when flying. You may think you don’t have time but don’t get discouraged yet. Your packing methods may be to blame. If you ignore them, you may waste your precious time and money.
- [The True Cost of Something That is Free](https://personalprofitability.com/the-true-cost-of-something-that-is-free/): Last week, I had the pleasure of crossing the Caribbean on a cruise ship. My experience on the Carnival Victory was fun, minus some sea sickness, but it opened my eyes to the excesses of our society and how much we do “just because it is free.”
- [Get Rid of Your File Cabinet with Manilla](https://personalprofitability.com/file-cabinet-manilla/): I recently compared financial organization site Manilla with financial management and budgeting site Mint.com In my comparison of Mint and Manilla, I suggested that the services are complementary and both would be helpful. Since that time, I have put even more of my accounts on Manilla and have considered using it to dump my file cabinet once and for all.
- [Planning the Costs of a Weekend Getaway](https://personalprofitability.com/planning-the-costs-of-a-weekend-getaway/): This weekend, I am taking my girlfriend up to the mountains for a quick weekend getaway. I am excited to get out of the city for a couple of days and enjoy everything a fall trip to the Rockies has to offer. Before I made the reservations, however, I made sure to tally up the costs of a weekend away.
- [Four Reasons to Shred Those Credit Card Convenience Checks!](https://personalprofitability.com/four-reasons-to-shred-those-credit-card-convenience-checks/): When I get a letter in the mail from my credit card company with convenience checks inside, I skip the cash advance and they go right to the shredder.
- [Get Free Awesome Stuff](https://personalprofitability.com/get-free-awesome-stuff/): Lately I have had the pleasure of getting lots of free stuff. It is pretty cool. While some people might think giveaways are luck, but you can get a lot of free stuff if you know where to look and how to connect.
- [College Student Loan Providers](https://personalprofitability.com/college-student-loan-providers/): As fall begins, students around the country are heading back to school. Just this week, my sister had her first day in medical school. (Proud, gushing brother) My sister, and many millions of others, are taking on new student loans this year. When you get a new student loan, you can choose your provider, and it is important to do the research to find a good fit for your needs.
- [Before Switching Companies, Learn About the Benefits](https://personalprofitability.com/before-switching-companies-learn-about-the-benefits/): How many places have you worked? Did you have a clear understanding of the benefits before you accepted each job? If I had to wager a guess, I would say that many of you knew what your starting salary would be, you knew if there was a 401(k) match, and if you have a family, you most likely asked if there was health insurance provided, but that was the full extent of your knowledge.
- [4 Ways to Save on Drinks at Your Next Party](https://personalprofitability.com/4-ways-to-save-on-drinks-at-your-next-party/): I recently moved out of an apartment and into a condo. For a single guy like me, that means one thing: More parties at my place! My condo is the unofficial pregame and party headquarters for half a dozen of my closest friends. I love entertaining, and now that I don't have to worry about a landlord, it's easier than ever. But it's also costlier than ever.
- [Managing Your Finances in a Zombie Apocalypse](https://personalprofitability.com/managing-your-finances-in-a-zombie-apocalypse/): Zombies are everywhere these days. You can find them eating people on Florida highways and chowing down on their roommates at Maryland colleges. In case the zombie pandemic reaches your town, it is important to have your finances in order so you can respond appropriately.
- [I Got a Free Kindle And So Can You](https://personalprofitability.com/i-got-a-free-kindle-and-so-can-you/): Today I am expecting a shiny new Kindle to come in the mail. I ordered it on Monday afternoon, and it cost me a whopping $17 for the ad free version. If I had wanted the version with ads, I could have gotten it for free. Here is how I did it, and you can too.
- [LastPass Credit Monitoring](https://personalprofitability.com/lastpass-credit-monitoring/): I have written about LastPass a few times before. LastPass is a password protection tool that you can use to secure your online life. They recently added a new free credit monitor feature that you can use to make sure you know about any unwanted surprises on your credit report.
- [Five Money Things to Think About When Moving](https://personalprofitability.com/five-money-things-to-think-about-when-moving/): If you decide to pack up and leave town, there are a few easily overlooked budget busters that can send you to the debt house if you are not careful.
- [How to Spend More Than Your Friends without Being an Asshole](https://personalprofitability.com/spend-more-without-being-an-asshole/): While some of my friends have more and make more money than me, I have found that I am often stuck in a spot where I have more money, or at least more to spend. I try to be frugal where it matters, but I look at money as a tool to live a better life, not a restraint.
- [Managing Your Cash Flow Like a Company](https://personalprofitability.com/managing-your-cash-flow-like-a-company/): Did you know large companies never pay invoices right away? They don’t even care about the due date. They set a policy telling vendors when they will be paid. While you don’t have as much leverage as a Fortune 500 company, you can manage your cash like one.
- [How FOREX Works](https://personalprofitability.com/how-forex-works/): People make (or lose) millions of dollars on currency speculation each day. Here's what you need to know about FOREX and foreign exchange trading.
- [Dealing With Stress and a Busy Life](https://personalprofitability.com/dealing-with-stress/): I am a busy guy. A really busy guy. People often ask me how I have time for it all. Lately that level of focus and drive has started to take a toll.
- [How to Travel America on a Budget](https://personalprofitability.com/how-to-travel-america-on-a-budget/): The United States can be a daunting thing when you look at it on a map. It’s so big that you can fit the greater part of Europe inside it. Unfortunately for those familiar with traveling Europe, you’ll be disheartened to learn that the United States does not have a high-speed rail network. However, the
- [Book Review: The Work Revolution](https://personalprofitability.com/book-review-the-work-revolution/): I just finished reading Julie Clow’s new book ‘The Work Revolution.’ Like the title implies, it has a range of ideas that can revolutionize the way an organization treats its employees and how employees look at work.
- [Mergers and Acquisitions: How Buyouts Work](https://personalprofitability.com/mergers-acquisitions-buyouts/): Last year Warren Buffet explained his theory on acquiring a company with cash vs. stock. It is important for investors to understand the difference.
- [What Does My Credit Card Expiration Date Tell Me?](https://personalprofitability.com/credit-card-expiration-dates/): A reader told me that she was not sure if she would re-apply when her credit card expired. There is a lot wrong with that common misconception.
- [How to Invest Like Gordon Gekko](https://personalprofitability.com/invest-like-gordon-gekko/): Gordon Gekko ended up in jail and lost his family due to his massive greed in Wall Street, but there is something that can be learned from the stories.
- [Why I Hate People Who Give Bad Tips](https://personalprofitability.com/bad-tips/): I recently read a post with an interesting theory on tipping. I like and respect the author of the post, Len Penzo, though I disagree with his opinion. However, when I read the comments I wanted to scream and start punching people. Here is what you really need to understand about tipping and the service industry.
- [What Recession? The Economy is Awesome](https://personalprofitability.com/economy-recession/): While some politicians are trying to sell you a story about how horrible the economy is, they are dead wrong. The economy is great. Here’s why.
- [Investing in the Cruise Industry](https://personalprofitability.com/cruise-industry/): After the recent, highly publicized crash of the Costa Condordia, people around the world are looking hard at the cruise vacation industry. While everyone is focusing on the problems today, it might be a good place for you to invest for tomorrow.
- [In Defense of Big Banks](https://personalprofitability.com/in-defense-of-big-banks/): I just wrote a post about some of the benefits of credit unions, but there are benefits of using a big box bank as well. Here are some reasons to consider keeping accounts with the big guys.
- [Never Buy Checks From the Bank](https://personalprofitability.com/never-buy-checks-from-the-bank/): If you still use checks, buying new blanks is a necessary evil. Unless your bank gives you free checks, you have to spend money to be able to spend money. That seems like an archaic concept to me, who pays everything through credit cards and online bill pay. If you still do use checks, though, make sure you spend as little as possible to buy them.
- [Credit Karma Free Daily Credit Monitoring](https://personalprofitability.com/credit-karma-free-daily-credit-monitoring/): I’ve written about getting your credit score for free in the past, but Credit Karma does a lot more than that now. Along with their credit estimator and credit report card, the growing site just added free daily credit monitoring.
- [Investing in Precious Metals](https://personalprofitability.com/investing-in-precious-metals/): Someone recently asked me how to get started investing in gold. Like silver, platinum, and other precious metals, investing in gold can be very lucrative if done correctly.
- [What Is the Best Time of the Year to Sell Stocks](https://personalprofitability.com/selling-stocks/): Tax season is coming up quick, and I was recently asked about the importance of timing when selling stocks and other investments.
- [Do You Have to Buy a Home in Your 20s?](https://personalprofitability.com/buy-a-home-in-your-20s/): We often assumed that buying a home is the logical thing to do in our 20s. You know the process: finish college, find a job, start a family, and buy a home. Is this really still the case?
- [Social Lending Options](https://personalprofitability.com/social-lending-options/): P2P lending is making big changes in the world of lending and banking. Peer to peer lending, for those who don’t know, is a lending situation that removes the bank. It is people lending to people. I am a huge proponent of P2P lending as an investment option to help diversify your portfolio.
- [How to Take Payments](https://personalprofitability.com/how-to-take-payments/): If you are a small business owner or freelancer, you have undoubtedly been faced with deciding how to accept payments. While the term “cash is king” applies in certain situations, in the electronic age you have to be ready to take credit card too.
- [Student Loan #1 – Paid off! #Winning](https://personalprofitability.com/student-loan-1-paid-off-winning/): Yes, I included a Charlie Sheen Twitter reference in the post title. But when you are a personal finance #warlock with #tigersblood, it is only appropriate.
- [Simplee Automates Your Insurance](https://personalprofitability.com/simplee/): It is no secret that I am a huge fan of automation and aggregation. The fewer places you have to look for your financial information, the less time you will use and the less likely you are to mess up. Simplee simplifies and automates your insurance just like Mint or Adaptu does with your finances.
- [Cash or Coin: 5.5 Billion Reasons to Ditch the Dollar Bill](https://personalprofitability.com/cash-or-coin-5-5-billion-reasons-to-ditch-the-dollar-bill/): When most people in the United States think of a dollar, they think of the famous one dollar bill. However, the dollar bill is threatened with extinction.
- [Don’t Be House Poor](https://personalprofitability.com/dont-be-house-poor/): A little while back, I was fully engulfed in the rent or buy debate. I had decided on the rent route for a handful of reasons. I explored the neighborhood and I am back to looking at buying with a realtor. I am not sure where I will end up, but I have to look to make an educated decision.
- [Anchoring and other Marketing Techniques Designed to Take Your Money](https://personalprofitability.com/marketing-techniques/): Have you ever wondered why Target puts “low price” markers on items that are not for sale? How about the signs that tell you how much you are “saving” when you spend money on a product?
- [Portfolio Update and Analysis](https://personalprofitability.com/portfolio-update/): It has been a while since I shared my portfolio progress with all of you, and today seems like as good a day as any.
- [Free, Legal Music Options Galore](https://personalprofitability.com/free-legal-music/): I am proudly part of the “Napster Generation.” I remember they day in high school when I found a cool site that let you download other people’s songs for free. With my 28k modem, each song took about 45 minutes to download. How things have changed.
- [Reasons I Am Looking to Buy](https://personalprofitability.com/looking-to-buy/): The lease is up on my apartment in April, and I have spent time over the last couple of months looking at buying a home.
- [Blogging Lessons from Cityville](https://personalprofitability.com/blogging-cityville/): I occasionally see something outside of the blogging world that relates to what we do here in the “blogosphere,” and this one is both amusing and relevant.
- [Hard Copy or Paper Financial Statements – Benefits and Risks](https://personalprofitability.com/hard-copy-or-paper-financial-statements-benefits-and-risks/): While paperless statements are good for the banks, are they good for consumers?
- [The National Debt and Taxes - A Solution](https://personalprofitability.com/national-debt-and-taxes/): I like to think of the government as a giant, non-profit business. Every single American is a customer. As customers, the government’s job is to keep us happy. As a business it is responsible for keeping itself “profitable” and viable for the future.
- [Important Interest Rates That Impact You](https://personalprofitability.com/important-interest-rates-that-impact-you/): Interest rates are one of the most important financial concepts, and understanding where they come from is important to your financial future.
- [Five Frugal Tips That Go Too Far](https://personalprofitability.com/frugal-tips-that-go-too-far/): I am all about saving money. I like to focus on the big wins like cancelling monthly recurring expenses (like cable) or paying a student loan off 8 years early to save thousands of dollars in interest. I usually don’t care about saving seven cents on soap by not showering. Here are some other crazy frugal tips that I would never, ever do.
- [Understanding “Need” vs “Want”](https://personalprofitability.com/need-vs-want/): Have you ever heard someone say how much they “need” something that is a complete waste of money? They need their gym membership, they need their SUV, they need their daily latte. We all know that it is a want, but it is an important psychological issue to understand.
- [When I Feel Frustrated – How to Deal](https://personalprofitability.com/when-i-feel-frustrated/): Like all of you, I sometimes feel frustrated with my financial progress.
- [How Bank Failures Impact Consumers](https://personalprofitability.com/how-bank-failures-impact-consumers/): The Wall Street Journal reported today that Friday’s string of bank failures brings the total number of failures since September 25, 2008 to 279. The FDIC lists 829 banks as “problem banks,” indicating that bank failures are far from over.
- [College Fees You Didn't Think About](https://personalprofitability.com/college-fees-you-didnt-think-about/): If you are about to head to college or have a future student in the house, it is a good idea to understand all of the extra fees you might be getting yourself into.
- [Reader Question: Big Student Loans](https://personalprofitability.com/reader-question-big-student-loans/): One reader sent me an e-mail about his student loans.
- [Online Only Banking](https://personalprofitability.com/online-only-banking/): I paused for a moment and realized that I no longer have a bank branch to visit in Denver. What was I going to lose out on by giving up a brick and mortar bank? All I have left is Schwab Bank and ING Direct. Both are online only.
- [My New Diet and Exercise Routine](https://personalprofitability.com/my-new-diet-and-exercise-routine/): Since my recent break up, I have been trying to improve my life by being more active, social, and eating better. In the last three months, I have lowered my cholesterol 50 points and I have toned my muscles a little. I owe most of the plan to Tim Ferris, but I have tailored my exercise and eating routine myself. It has also saved me a lot on my food spending.
- [New Stock Purchase: PM](https://personalprofitability.com/new-stock-purchase-pm/): This afternoon, about two minutes before the closing bell, I bought 11 shares of PM for $46.48. You may recognize PM as Phillip Morris International.
- [The Business Arsenal: inDinero](https://personalprofitability.com/the-business-arsenal-indinero/): I recently found a new web tool that gives the personal finance arsenal tools a small business twist. I often write about sites like Mint and Thrive, but those are both focused on individuals. For business owners, you might be interested in start-up inDinero.
- [How to Change Banks](https://personalprofitability.com/how-to-change-banks/): I have recently read a study that demonstrates that the average person is willing to put up with bad fees, horrible customer service, and a bad experience at their bank because it is simply too inconvenient to move. I am apparently an anomaly, as I am in the process right now and I don’t think it is all that bad.
- [The Most Dangerous Weapon: Compound Interest](https://personalprofitability.com/the-most-dangerous-weapon-compound-interest/): I once had a professor give my class a speech about using our financial knowledge for good. If you have read every post on this blog, you are in the top few million (probably higher) most financially educated people in the country. You can use that power to better your life, but it can also be used to hurt people.
- [Portfolio Update: Stock Performance After a Horrible Month](https://personalprofitability.com/portfolio-update-stock-performance-after-a-horrible-month/): This analysis is my own opionion based on my own research. My investment strategy is to buy and hold, not trade regularly.
- [Preparing for a Layoff](https://personalprofitability.com/preparing-for-a-layoff/): In the recent past, my company announced that it is being sold. It is a large public company, so it made pretty big news in the industry and locally, as it is the biggest private employer in the state.
- [How IPOs Work: Tesla Motors Case Study](https://personalprofitability.com/how-ipos-work/): An IPO, or initial public offering, is the event that brings a public company into the stock market. When an IPO takes place, investors are able to buy the company’s stock on a major index. There are many reasons for a company to start an IPO, or avoid an IPO, and the mechanics of the process are fairly complex.
- [Never Trade with Regrets](https://personalprofitability.com/trade-with-regrets/): Investing psychology is a fascinating topic. In a portfolio management class in the past, we learned that psychology is one of the biggest reasons for increased investment losses.
- [Apartment Hunting](https://personalprofitability.com/apartment-hunting/): Yesterday I completed a multi-week process of searching for and picking a new place to live.
- [The Economics of Moving](https://personalprofitability.com/the-economics-of-moving/): Last week, I wrote about my recent apartment hunting. Now that I have a new place picked out, I have to move. I arranged an overlap of one week so I have time to move everything in my busy schedule of working during the day and going to classes at night.
- [Overdraft Fees To Become Opt-In](https://personalprofitability.com/overdraft-fees-to-become-opt-in/): Ovrdraft Fees To Become Opt-InThanks to the good old boys at the Fed, banks are no longer going to be able to just pay out your checks and ATM withdrawals that take you below zero and charge you $40 for it. Banks make billions from overdraft fees every year. Like I have said in the
- [Single Guy Cooking](https://personalprofitability.com/single-guy-cooking/): I have made an amazing discovery. I am a pretty good cook (I am also humble). It is also much cheaper, and often better, than going to a restaurant.
- [Budgeting to Save Money is Like Excercise to Lose Weight](https://personalprofitability.com/budgeting-to-save-money-is-like-excercise-to-lose-weight/): Cutting your rent, insurance, and cable/Internet bills can save big over the course of a year. Even more important, though, is income.
- [How I Make Money Online: Successes and Failures (Part 1)](https://personalprofitability.com/how-i-make-money-online-successes-and-failures-part-1/): I have tried my best at finding opportunities to make money online. After a handful of methods, some have worked out while others have not quite paid off.
- [The Yakezie Challenge](https://personalprofitability.com/the-yakezie-challenge/): I decided to join the "wolf pack" of the Yakezie Challenge. I was inspired while avoiding studying for finals. Well Heeled wrote a fun post on the challenge (see "wolf pack" link above.
- [How Corporate Bonds Work](https://personalprofitability.com/how-corporate-bonds-work/): I have written posts about what a share of stock represents and how stock trades work, but I have never given a breakdown on how corporate bonds work.
- [Book Review: The 4 Hour Workweek](https://personalprofitability.com/book-review-the-4-hour-workweek/): I just finished reading The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Richby Tim Ferriss. The book was fun and easy to read.
- [Your Credit May Not Match Your Credit Report](https://personalprofitability.com/your-credit-may-not-match-your-credit/): A recent article at The Consumerist reminded me on an interesting moment I had. When I went to the bank to get my car loan, I was told I had a $1300 balance on one of my credit cards. I paid that balance about a month before. So why did it still say that I owed
- [Review of "I Will Teach You To Be Rich"](https://personalprofitability.com/review-of-i-will-teach-you-to-be-rich/): Ramit genuinely cares about helping his readers be as lazy and financially stable as possible. If you think that is an oxy moron, you should probably read the book.
- [Can I Buy a House with Bad Credit?](https://personalprofitability.com/can-i-buy-a-house-with-bad-credit/): Now is a great time to buy. Housing prices have fallen in many parts of the country. Interest rates are at record lows. Can you buy a house with bad credit?
- [Apartments for Low Credit Renters](https://personalprofitability.com/apartments-for-low-credit-renters/): As real estate markets have been heating up around the country, we have seen some wild trends in both buying and renting markets. Some cities seeing incredibly low vacancy rates and competition among potential renters, and credit risk is becoming a more important part of deciding whether or not you can rent your dream apartment or house.
- [My First Trade and What You Need to Know About Buying and Selling](https://personalprofitability.com/my-first-trade-and-what-you-need-to/): I started my brokerage account, and now I am trying to figure out what to do with my first $500 in the market. (I have already been investing in company stock and a fund in my 401k. For more see my intro to investing.) I entered my first trade Friday morning, and it was exciting,
- [Planning My First Credit Card Churn](https://personalprofitability.com/planning-my-first-credit-card-churn/): If you regularly read travel hacking blogs, you have probably heard the term “churn” used quite a bit. For the uninitiated, a churn is a strategy used to sign up for new credit cards to maximize signup and bonus offers to rack up a huge number of frequent flyer miles and travel points quickly.
- [The Great Cable Debate](https://personalprofitability.com/the-great-cable-debate/): These days, a lot of people in their twenties discuss "cutting the cord."
- [PPP036: I'm Adam Piplica and I'm a UK Diploma-Qualified Paraplanner](https://personalprofitability.com/episode36/): British blogger Adam Piplica left his analyst job to pursue blogging full-time, but then decided to go back into the working world as a financial planner.
- [PPP031: It's Time to Get to Work to Earn Your First Dollar on the Side](https://personalprofitability.com/episode31/): You may have noticed today's episode is shorter than usual. Listen or read on to see why, and what you should do when you are done listening this week on the Personal Profitability Podcast. Full Transcript Eric Rosenberg: Ladies and gentlemen, boys and girls, children of all ages. Welcome back to the Personal Profitability Podcast.
- [PPP028: I'm Jacob Wade and I Blew $100,000 and Learned My Lesson](https://personalprofitability.com/episode28/): Jacob Wade came into $100,000 at a young age thanks to a series of unfortunate events. The next unfortunate event was how he blew through that money without any budget or long-term plan. Hear how he did it and what he learned about budgets in this episode of the Personal Profitability Podcast. Resources Mentioned I
- [What is a REIT? Should I Invest in a Real Estate Investment Trust?](https://personalprofitability.com/what-is-a-reit-should-i-invest-in-a-real-estate-investment-trust/): A REIT, or Real Estate Investment Trust, is a popular way for investors to get into the real estate market without buying an investment property outright.
- [Automate Your Savings with Digit](https://personalprofitability.com/automate-your-savings-with-digit/): Digit is an automated savings tool that makes stashing money away simple and painless.
- [Pay Online or Pay by Check](https://personalprofitability.com/pay-online-or-pay-by-check/): Every month most households have some kind of recurring bill. For me, those are mortgage, HOA dues, phone/internet, and credit cards. Add rent, power, water, TV, and insurance and you have a standard list of monthly bills in this country. Some people's are more, some are less. How you pay them, however, is usually up to you.
- [Should I Pay Off My Low Interest Mortgage Loan?](https://personalprofitability.com/should-i-pay-off-my-low-interest-mortgage-loan/): I recently refinanced my loan from 4.25% to 2.875%. With such a low interest rate should try to pay off the loan early or invest my extra funds?
- [How to Save Money Without Giving Up Your Social Life](https://personalprofitability.com/how-to-save-money-without-giving-up-your-social-life/): There are plenty of things that will end your social life. Bad breath, body odor and hitting the clubs in a Storm Trooper uniform come to mind. Saving money and watching your budget should not be on the list. This is a post for all those that have drained their bank account hanging out with friends or those that have taken down their Facebook page to save a dime.
- [How to Build a Social Lending Snowball](https://personalprofitability.com/social-lending-snowball/): I have written about using the debt snowball to cut your debt and I have written about using social lending to make money like a bank. Today we are going to combine the snowball idea with social lending to show you how I have been making money and reinvesting to make money.
- [Easiest Way to Save Money on Your Wedding](https://personalprofitability.com/save-on-your-wedding/): If you are thinking about getting married soon, chances are that you are trying to save money on your wedding. Weddings can be an expensive event to host, especially if you are getting married at a young age.
- [Are You Barney or Ted?](https://personalprofitability.com/barney-or-ted/): I recently ended a short lived relationship. It got me thinking introspectively on how I approach dating and life challenges in general. I always thought of myself like Barney in “How I Met Your Mother.” After my recent experiences, I have realized I might fit a different mold completely.
- [Yakezie Blog Swap: Getting Value From Spending](https://personalprofitability.com/value-from-spending/): Lots of spending is value driven. For the most part, if you didnt value that 4th beer on a friday night or that cup of joe before work on Tuesday, you wouldn't spend money buying it.
- [The Five Minute Retirement Plan](https://personalprofitability.com/five-minute-retirement-plan/): A new finance tool, the Five Minute Retirement Plan, does what the name implies. In only a couple of minutes, the site will create a customized retirement plan based on your age, current assets, and ability to invest in the future.
- [American Express Starwood Rewards - My New Credit Card](https://personalprofitability.com/starwood-amex/): Last week, I got a new credit card. I know that all of the anti-credit card bloggers would have a vein popping out of their forehead for this one, but it makes sense for me. It might also make sense for you.
- [Does Money Make You Happy?](https://personalprofitability.com/money-happiness/): There is a famous saying that money does not buy happiness. I have heard it dozens of times. But is it true?
- [Occupying America](https://personalprofitability.com/occupying-america/): While they are not in all the headlines anymore, the Occupy movement is still going strong around the country. From Occupy Wall Street in New York to Occupy Denver in my neighborhood, the movement has gained media attention and thousands of supporters, but what are they really doing and what are they all about?
- [The Meteoric Rise and Fall of Netflix](https://personalprofitability.com/the-meteoric-rise-and-fall-of-netflix/): In 1997, Reed Hastings and Marc Randolph created a company called Netflix. Hastings was angry about a late fee charged when he turned in the movie Apollo 13 after the due date. His business was like a traditional video store at the time, but evolved into one of the most recognized brands in North America.
- [Don't Buy Cheap](https://personalprofitability.com/buycheap/): Eric and I are 'swapping' blogs today. When shopping, there are things where it's OK to buy the cheapest alternative out there and not get burned, then there are things where you don't want to buy the cheapest version.
- [Small Business Accounting Options](https://personalprofitability.com/small-business-accounting-options/): Over the last couple of years, I have been very entrepreneurial. I have started three small businesses and the IRS requires that I track the income and expenses for tax reasons. While this may sound daunting, it is actually not difficult if you know where to start.
- [Monsters](https://personalprofitability.com/monsters/): This may not be the most original motivation, but I am financially motivated by my family. Before I had kids, I didn't care much about money or stuff.
- [Daily Money Saving Tip](https://personalprofitability.com/money-saving/): I am on an unpaid leave of absence due to the birth of my daughter last spring. I was given a very generous leave of absence. I am using this as a trial run to see if we can live without my salary so that I may stay home when my kids are little.
- [Accounting for Stock Sales: New Rules to Confuse](https://personalprofitability.com/accounting-for-stock-sales/): The IRS has made changes to the rules for capital gains tax on investment sales. While LIFO and FIFO are confusing on the surface, they are simple concepts.
- [Narrow Bridge Finance: The 500th Post Spectacular!](https://personalprofitability.com/500th-post/): It is hard to believe that my little experiment in sharing my financial knowledge with the world has evolved so much over the last two years.
- [What is an ADR?](https://personalprofitability.com/what-is-an-adr/): If you want to buy stock in a foreign company, one of the most useful tools you have is an ADR. An ADR is an American Depository Receipt. If you have ever bought shares of a foreign company through your brokerage, you most likely purchased an ADR.
- [What is an ETF?](https://personalprofitability.com/what-is-an-etf/): An ETF is an Exchange Traded Fund. An ETF is a special type of mutual fund that can be bought and sold on a major stock exchange using its ticker symbol. Because it is traded on a major exchange, it is considered an exchange traded fund.
- [Finance in Hollywood: Michael Scott](https://personalprofitability.com/finance-in-hollywood-michael-scott/): In The Office, Michael Scott is the ultimate example of horrible personal financial management. He is a hilarious, obnoxious version of what not to do. His antics can actually teach us something about how to manage our money.
- [Changing Up Checking](https://personalprofitability.com/changing-up-checking/): I have been a very happy user of a combination of US Bank (since 2000) and Capital One 360 (since 2007) for a while now. ING has paid very competitive rates and the online bill pay has become increasingly useful. However, I am up for a change.
- [IT’S HERE: THE NARROW BRIDGE BOOK!](https://personalprofitability.com/its-here-the-narrow-bridge-book/): I first mentioned that I am working on an eBook quite a long time ago. I was not lying. The big day is here. And for a limited time, I am giving my readers the chance to get the book for 50% off!
- [Award Wallet is Mint for Non-Financial Tracking](https://personalprofitability.com/award-wallet-is-mint-for-non-financial-tracking/): I always wished that Mint.com would add something to track my frequent flyer mile accounts, hotel point accounts, and so on. Fortunately, someone came up with a way to do it.
- [How To Buy Expensive Stuff](https://personalprofitability.com/how-to-buy-expensive-stuff/): I am currently considering a few expensive purchases. I am looking at a new flat screen HDTV to replace my old analog TV. I am considering Lasik eye surgery. I am considering a new road bike. I like nice things and experiences, and I am happy to spend the money if it is something I will really enjoy.
- [Birthday Blogging: The Perks of Age Edition](https://personalprofitability.com/birthday-blogging-the-perks-of-age-edition/): Hi everyone. If the title didn't give it away, today is my birthday. This twenty something is half way to thirty something.
- [Credit Card Rule Changes: Mixed Bag for Consumers](https://personalprofitability.com/credit-card-rule-changes-mixed-bag-for-consumers/): The final round of changes from the Credit CARD Act is going into effect, and consumer advocates expect mixed results for the average customer.
- [Spending on Vanity](https://personalprofitability.com/spending-on-vanity/): I am loyal to my hair guy. I have been going to Fred for about 13 years. When I started going to Fred, my parents were still paying for my haircuts. He is at a professional salon that is much more expensive than some of the discount hair options.
- [RIP Wesabe [Personal Finance Arsenal]](https://personalprofitability.com/rip-wesabe-personal-finance-arsenal/): Wesabe, a previously mentioned Mint.com alternative and member of the personal finance arsenal, has announced it will be closing its doors on July 31st. At that point, the community feature will remain but all finance tools and records will be purged. I am deeply unhappy to have to announce that Wesabe will be discontinuing our
- [Stock I Like: WWE](https://personalprofitability.com/stock-i-like-wwe/): I made a good find and thought I would share it with all of you. I plan to purchase this stock in my personal portfolio and to recommend a 1,000 share purchase for the fund.
- [What You Can Learn About Life From Haggling in Chinatown](https://personalprofitability.com/what-you-can-learn-about-life-from-haggling-in-chinatown/): I realized that you can learn a lot about life walking down a Chinatown street trying to get the best deal.
- [What To Do With a Raise?](https://personalprofitability.com/what-to-do-with-a-raise/): I would like to take this opportunity to toot my own horn for a moment. I got a promotion and a raise! Yay! More money, more to do. Good times.
- [What You Can Learn About The Stock Market from Lending Club](https://personalprofitability.com/what-you-can-learn-about-the-stock-market-from-lending-club/): As you all know if you are a regular reader, I am a fan of Lending Club. Lenders on the site are exposed to the entire dynamics of a market system, and that correlates directly to what you experience when investing in the stock market.
- [Buffet and the Great Tax Debate](https://personalprofitability.com/buffet-tax-debate/): It is no secret to Narrow Bridge readers that I am a fan of Warren Buffet. His investing strategies have helped him grow investments from family and friends in Omaha into the company with the seventh largest revenue in the United States. As the debate moves forward on dealing with United States debt, the second richest American has voiced strong opinions on how to fix the problem.
- [Starting Your 401(k) at a New Job](https://personalprofitability.com/starting-your-401k-at-a-new-job/): Like most people in their early 20s, my friend was missing out on free money. If you are like her, here is what you need to do to get started.
- [Swagbucks](https://personalprofitability.com/earn-swagbucks/): I jumped on the bandwagon. I joined Swagbucks. A series of posts by Fabulously Broke inspired my jump into the search rewards program. A week in, I thought I would share my thoughts.
- [What The Heck is a 529 Anyway?](https://personalprofitability.com/what-the-heck-is-a-529-anyway/): Almost every investment firm offers a 529 account. They talk about how great it is and how everyone should have one. Most people have no idea how a 529 works or what it is. This post will give you a breakdown on the basics of a 529 and what you need to know if you are going to get started with this type of account.
- [Bank Funds Availability Policies - Regulation CC](https://personalprofitability.com/bank-funds-availability-policies-regulation-cc/): I took a big check to the bank yesterday and was worried that the bank would put a hold on my funds. I decided to look into the laws about holding funds, and thought you might appreciate a quick breakdown on Regulation CC, the Federal regulation on bank holds.
- [The Credit Card Search Begins](https://personalprofitability.com/the-credit-card-search-begins/): Now that I am closing my Chase card, I have to pick a new one.
- [My Debt, How I'm Paying It, and the Snowball Effect](https://personalprofitability.com/my-debt-how-im-paying-it-and-the-snowball-effect/): For the first time, I am going to give exact details on my loan balances and how I am paying them off. I will also discuss the popular "snowball effect" for paying off your own debt.
- [Minimum Wage Increses](https://personalprofitability.com/minimum-wage-increses/): On July 24, 2009 (that's less than two weeks), the United States minimum wage will increase from $6.55 per hour to $7.25 per hour. That is a difference of $1456 per year for impacted minimum wage employees. That might not sound like a lot to some of us, but it will bring people a roughly 10% raise.
- [Book Review: Automatic Millionaire](https://personalprofitability.com/book-review-automatic-millionaire/): I read Automatic Millionaire a while back, but I think it is worthy of discussion here on Narrow Bridge. It was actually a part of what insipred me to start blogging about personal finance.
- [Book Review: Rich Like Them](https://personalprofitability.com/book-review-rich-like-them/): I just finished reading Rich Like Them, a book dedicated to searching for the answers of how people get rich. Specifically, the book chronicles the author's journey across America's 100 richest zip codes.
- [The Recession Got Me, But I Am Insured](https://personalprofitability.com/recession-got-me-but-i-am-insured/): I woke up this morning to a message about one of my banks. I have CDs at New Frontier Bank, a bank located about an hour and a half north of Denver. The bank has gone into FDIC receivership and is now controlled by Bank of the West. The FDIC is paying out insured deposits
- [Finance Magazines I Like](https://personalprofitability.com/finance-magazines-i-like/): While I like to read the Wall Street Journal and Financial Times, I do not have time to read them regularly. However, I have the entrepreneur bug, so I do like to keep up in that too. I have time for a magazine or two every month, and there are two money related magazines that
- [I Got a Raise and a Bonus!](https://personalprofitability.com/i-got-raise-and-bonus/): I know some people find it hard to see their so many people get laid off and accept a raise and a bonus. I feel differently, and here is why. I work hard. I went to school for a long time to get a finance degree that would bring me career stability and help me
- [How I Make the Most Money Online](https://personalprofitability.com/how-i-make-most-money-online/): This blog just broke even last week. Even though I broke even, I do not see this as a big money generator at any point in the future. I just do it for fun and to educate people. There is one site I have spent time on that is not just for fun, it is
- [Using Your 401k in a Rough Spot](https://personalprofitability.com/using-your-401k-in-rough-spot/): Many people are getting worried and are acting irrationally because of the current economic downturn. I have some advice for people. STOP FREAKING OUT! People freaking out is what causes economic downturns. Everyone hears things are bad so they stop spending. That causes a long chain of economic events that turn into a recession. Anyway,
- [Payday Loan Companies are Like Mafia Loan Sharks](https://personalprofitability.com/payday-loan-companies-are-like-mafia/): If you are short on cash and need money quick, payday loans might sound good. They are not! Whatever you do, never, EVER, get a payday loan. They are so bad that some states are working to make them illegal. Washington DC was the first place to outlaw these predatory loans. According to the Consumers
- [Going to Small Claims Court Today](https://personalprofitability.com/going-to-small-claims-court-today/): Today is the big day. I am going to small claims court. You can see a picture of my bike and the car that hit me here. It is fairly straight forward. I was hit from behind. I will let you all know what happened and how my first small claims court experience goes. I
- [Why I Don't Care That The Auto Bailout Failed](https://personalprofitability.com/why-i-dont-care-that-auto-bailout/): American cars suck. That is the short reason. American car companies are bad at business, that is the longer reason. The United States government failed to pass a $14 billion bailout to United States car manufacturers. There are many reasons why the "Big 3", Ford, GM, and Chrysler, are not doing so well today. Here
- [Cheap Shoes Spendy Shoes](https://personalprofitability.com/shoes/): In order to properly show you just how boring my life can truly be, I’m going to share with you the first story about splurging that popped to mind when I found out the topic for this blog swap.
- [The Crazy 40% off Shopping Deal at Boxed with Amex](https://personalprofitability.com/deal-stacking-boxed-american-express/): Using a combination of deals from Boxed.com and American Express, I was able to shop for more than 40% off! Deal stacking can lead to huge savings.
- [PPP056: I'm Eva Baker and I Help Teens Become Entrepreneurs](https://personalprofitability.com/episode56/): Eva Baker is the founder of Teens Got Sense and runs the annual Teenprenuer conference, but it all started when she was a teen herself. Hear her story here.
- [PPP063: Conquering Fear with Brad Finkeldei](https://personalprofitability.com/episode63/): Brad Finkeldei wasn't always known as "The Rubber Chicken Guy." Learn how to overcome fears and break free of the cubicle in this week's awesome episode.
- [PPP093: The Path to Entrepreneurship with Mike Trotzke](https://personalprofitability.com/episode93/): Have you ever thought about the steps people take to become successful? In this episode, I talk to Mike Trotzke of Cheddar about entrepreneurship, the steps Mike took before he became the CEO of Cheddar, and more.
- [Episode 86: Debbie Drum on Becoming a Better Entrepreneur](https://personalprofitability.com/episode86/): Debbie Drum is a repeat entrepreneur and author of the book Read Better Faster. Learn more about how she improves everything from reading to running an online business more efficiently in today's podcast episode with special guest Debbie Drum.
- [PPP088: Warren Hogarth Talks Investments and Apps](https://personalprofitability.com/episode88/): Today's guest has been on both sides of the business investment table: one as a venture capitalist for Sequoia Capital, and one side as the founder of the personal finance app Empower. You won't want to miss this episode with Warren Hogarth!
- [PPP083: Becoming a Creative Entrepreneur with Minette Riordan](https://personalprofitability.com/episode83/): In this episode, I'm speaking with Dr. Minette Riordan, an expert in marketing, sales and money mindset, on creative entrepreneurship.
- [PPP079: Andrea Klunder](https://personalprofitability.com/episode79/): I met Andrea Klunder at Podcast Movement when a speaker said, "talk to the person next to you." She's awesome and joins us for today's episode.
- [PPP080: Make Your Money Roar with Tim Hong and MoneyLion](https://personalprofitability.com/episode80/): Tim Hong is Chief Marketing Officer at MoneyLion, an app designed to help you save more, get out of debt, and boost your investments. Join in today's chat!
- [PPP094: Scott Bennett on Skratch & Teen Entrepreneurship](https://personalprofitability.com/episode94/): Scott Bennett is the founder of Skratch, a teen-focused app to help young people find summer jobs and part-time jobs. Learn more about teen work opportunities and founding an app based startup in this week's podcast episode.
- [Episode 89: Jason Steele on Credit Cards, Travel Hacking & More](https://personalprofitability.com/episode89/): In this episode of the Personal Profitability Podcast, I talk to Jason Steele about credit cards, travel hacking and more.
- [PPP092: Tom Sylvester, the Serial Entrepreneur](https://personalprofitability.com/episode92/): In this episode, I chat with Tom Sylvester, a serial entrepreneur and all around great guy. He's got some great tips and strategies for the #entrepreneurs out there, so you won't want to miss this episode!
- [PPP095: Thor Conklin and Building a Profitable Business](https://personalprofitability.com/episode95/): On episode 95, I'm talking to an amazing business coach, Thor Conklin. He's also a serial entrepreneur who has built multiple successful businesses, and in this episode he shares his advice for us on building a successful business.
- [PPP077: Maximizing The Dollars You Keep with Garrett Gunderson](https://personalprofitability.com/episode77/): Garrett Gunderson is a best-selling author and the man behind Wealth Factory, where he helps entrepreneurs optimize their personal and business finances.
- [PPP061: Paying Off Student Loans & Scholarships with Jocelyn Paonita](https://personalprofitability.com/episode61/): Founder of The Scholarship System, Jocelyn Paonita joins us this week to tell you and your kids how to pay for college without any student loans.
- [Slice Tracks Your Purchases](https://personalprofitability.com/slice/): Slice is a new and useful website that can be used to track your online shopping habits. Like Mint or Adaptu, Slice brings everything you need to know to one place from multiple websites. Like TripIt, Slice can grab your information from your Gmail or Yahoo inbox automatically so you don’t have to remember to update your account.
- [3 Paycheck Months](https://personalprofitability.com/3-paycheck-months/): I am on the “every other Friday” payroll. Each year, most people have three months where they get three paychecks.
- [How to Consolidate Debt](https://personalprofitability.com/how-to-consolidate-debt/): It is important to know how debt consolidation works so you can make good, informed decisions.
- [Keep Old Credit Alive](https://personalprofitability.com/keep-old-credit-alive/): About two years ago, a bank closed one of my credit cards due to “inactivity.” Unfortunately, even though credit markets are loosening, it takes more than just good credit to keep your accounts alive.
- [The Disgusting State of American Healthcare](https://personalprofitability.com/american-healthcare/): I have really good insurance. I work at a great company with great healthcare benefits. My monthly cost is only about $60. Even with that, things are not always as they seem.
- [15 Random Tips For A College Freshman](https://personalprofitability.com/tips-for-a-college-freshman/): This post is part of the Yakezie blog swap and was written by SB fromOne Cent At A Time. If you enjoyed this article, feel free to visit his blog and subscribe to his RSS feed.
- [Book Review: The Wealth Cure](https://personalprofitability.com/the-wealth-cure/): I recently had the pleasure of sitting down to read Hill Harper’s new book, “The Wealth Cure.” The wealth cure takes an interesting look at personal finance compared to many of its counterparts.
- [Blogger Interview: Marie at Family Money Values](https://personalprofitability.com/family-money-values/): Today we have the pleasure of an interview with Marie at Family Money Values, a site with an eerily appropriate name. Be sure to stop by and read about how personal finances impact a family and how, even if you have kids, you can still focus on your family's wealth.
- [Open Letter to Rep. Mike Coffman](https://personalprofitability.com/open-letter-to-mike-coffman/): House Representative Mike Coffman (R-CO) is my elected official in the House of Representatives. I recently asked you to write your congress representatives to support raising our debt ceiling for a variety of reasons. Here is my letter. Feel free to use part of it or all of it when emailing your Representative regarding this issue.
- [What Price/Book Ratio Means in Investing](https://personalprofitability.com/price-book-ratio/): If you are baffled by the ratios in the stock market, you are not alone. You can easily find a whirlwind of figures and ratios. Some of them, such as P/E and market cap are easily explained and understood. However, you might be able to find more value from less known ratios such as Price/Book.
- [My First Jobs: Camp and Retail](https://personalprofitability.com/my-first-jobs/): You all know that I have worked in banking and finance, but I have not told you very much about my more humble beginnings. Long before my MBA, years before my BSBA, I worked at a Boy Scout camp and a Target Store.
- [What Is The Debt Ceiling and Why Does It Matter?](https://personalprofitability.com/what-is-the-debt-ceiling/): The United States government is on the verge of collapse. You might not know it just by going out to the grocery store, restaurant, or work. People are going on as if nothing is happening, but if you know what is going on in Washington and understand economics, you know how close we are to disaster.
- [Building Home Equity: Ways to Build Wealth](https://personalprofitability.com/building-home-equity/): One of the biggest assets you will ever own is your home. The debate on whether a home is an investment will never die, but there is no question that the ideal situation for a homeowner is to build equity.
- [Groceries vs. Restaurants](https://personalprofitability.com/groceries-vs-restaurants/): I have something to admit. I hate grocery shopping. I hate it more than almost anything. However, it is something that you have to do from time to time. Last night I was hungry, so after a seven week hiatus I made the trek to the grocery store. It got me thinking…
- [Biased by Appearances](https://personalprofitability.com/biased-by-appearances/): Have you ever wondered why some people get a promotion over someone with equal competence? Do you wonder if the hot blonde down the aisle gets paid more than the fat, ugly girl in the cubicle next door?
- [Put it Back!](https://personalprofitability.com/put-it-back/): I have a hard time shopping for myself. It's not that I don't know what to buy for myself, but I've really trained myself to be frugal.
- [Completing The Yakezie Challenge](https://personalprofitability.com/yakezie-challenge/): Some of you may remember a post a long time ago about my joining the Yakezie Challenge.
- [Rolling Over Your 401(k)](https://personalprofitability.com/rolling-over-your-401k/): Now that I have settled into my new job, I have to deal with the financial side of leaving a job. It is something that many people put off, but when you get a new job it is important to make sure your retirement accounts are in order.
- [Bank Credit Laws: Reg Z](https://personalprofitability.com/bank-credit-laws-reg-z/): One of my banks closed my credit card due to inactivity. When I got the letter in the mail, I started to think: is this even legal?
- [Book Review: 10,001 Ways to Live Large on a Small Budget](https://personalprofitability.com/book-review-10001-ways-to-live-large/): I just finished reading the new book by the bloggers over at Wise Bread. Their book, 10,001 Way to Live Large on a Small Budget, gives many thousands (ten actually) of tips on living frugal and personal finance.
- [Buy Big Items With Reverse Credit](https://personalprofitability.com/buy-big-items-with-reverse-credit/): It has happened to all of us at one point or another, we see something that we want but do not have the cash in the bank to buy it.
- [Time Value of Money Explained](https://personalprofitability.com/time-value-of-money-explained/): If you have $100 today, what is it worth? What would you pay today to ensure you receive $100 one year from now? Would you pay $95 or $105? Bankers, loan specialists, and mortgage brokers are experts in the time value of money (TVM).
- [Upromise Helps Pay For School](https://personalprofitability.com/upromise-helps-pay-for-school/): I recently gave in and took the dive into Upromise. Upromise is a program designed to give you cash back from select purchases (namely restaurants, online stores, and grocery) to fund a 529 college savings account, pay for college loans, or go directly to education expenses. Anyone can sign up. An adult can sign up
- [The Benefits and Hidden Costs of Loyalty Programs](https://personalprofitability.com/the-benefits-and-hidden-costs-of-loyalty-programs/): Whether you are getting free swag from the Old Chicago Beer Tour, a gold card from Starbucks, or a free burrito from Qdoba, it may be too good to be true.
- [You're Homeless... Now What?](https://personalprofitability.com/homeless/): I confess. I’m a worrier. I think I was born this way. Although I’m determined to be a “glass half full” girl, I always have a “what if” plan.
- [Episode 87: Jess Perez, Model & CEO](https://personalprofitability.com/episode87-jess-perez-model-ceo/): Jess is a former Sports Illustrated model and now the CEO and founder of Tycoon. Jess created her app to solve a personal pain point as a freelancer: tracking who owed her money and knowing how much she had earned.
- [PPP081: Thomas Fire Evacuation and Fire Baby](https://personalprofitability.com/episode81-2/): It's been a crazy two weeks for our family, but I have good news to share! Click through to read our experience with the Thomas Fire and our new fire baby -
- [PPP075: From Student Loans to Money Mastery with Whitney Hansen](https://personalprofitability.com/episode75/): Whitney Hansen bought a house at 19, paid off her $30,000 student loans in 10 months, and more. Learn her best money advice in this week's episode.
- [PPP074: From Pro Sports Pro Branding to Dennis Langlais](https://personalprofitability.com/episode74/): Dennis Langlais began his career as a pro BMX cyclist, and the Great Recession made him quickly learn how to turn those skills into a business.
- [PPP: Special Announcement - New Format!](https://personalprofitability.com/ppp-special-announcement/): The Personal Profitability Podcast is launching a new format starting next week! Get ready for weekly episodes that are better than ever!
- [What is Forex Trading and How Can I Get Involved?](https://personalprofitability.com/forex-trading-can-get-involved/): Trading is all the rage nowadays and for good reason. It’s a great way to make extra money, from the comfort of your home and office. One of the best markets to get involved in is Forex trading, as it works to the advantage of casual traders and experts alike. But getting into Forex trading
- [Getting Awesome Free Travel Rewards](https://personalprofitability.com/free-travel-rewards/): I have written about awesome mileage cards in the past, and just took advantage of a sweet deal that landed me a free round trip flight on American Airlines. Sound too good to be true? It isn’t. You can do it too.
- [Book Review: “The Skinny On” Series](https://personalprofitability.com/book-review-the-skinny-on-series/): This week, I read two books from the “Skinny On” series by Jim Randel. “The Skinny On Credit Cards” and “The Skinny On Networking” were quick, enjoyable books with an interesting twist compared to the average finance and how-to books you will read today.
- [Homes as Investments](https://personalprofitability.com/homes-as-investments/): Over the last year or so, we have seen real estate prices fall like we could never have imagined. Many experts believe that residential real estate is just the beginning, and that commercial will start to go into crisis mode in the near future. What are we to do now? I like to think of
- [Five Bad Financial Decisions that will Hammer you with Debt](https://personalprofitability.com/bad-financial-decisions-that-will-hammer-you-with-debt/): The pressure of credit card debt or the stress of bills can usually be linked back to a bad financial decision you wish you could take back.
- [As Seen On TV: The Business Behind The Products](https://personalprofitability.com/as-seen-on-tv-the-business-behind-the-products/): Last night, I watched a fascinating CNBC show about “as seen on TV” product that are sold primarily through infomercials. I have never bought anything from an infomercial, but apparently a lot of people have. Those TV products have made a lot of people a lot of money.
- [How to Stay On Top of Student Debt and Save While in School](https://personalprofitability.com/how-to-stay-on-top-of-student-debt-and-save-while-in-school/): Staying on top of debt is tough, especially when you're still in school. It's best to minimize the amount of student loans you take out, but you have to have enough money to live without being constantly stressed out. Here are some tips to help you stay on top of your student loan debt and save money while you're in college.
- [16 Things It Took Me 50 Years to Learn - Dave Barry](https://personalprofitability.com/16-things-it-took-me-50-years-to-learn-dave-barry/): In honor of tax day, I thought I would share a little wisdom I read on the wall of Jimmy John's yesterday. Here's 16 Things It Took Me 50 Years to Learn.
- [My Financial Pet Peeve](https://personalprofitability.com/blog-swap-my-financial-pet-peeve/): This post was written as part of a “Yakezie blog swap” where members of the Yakezie Personal Finance Blogging Network pair up and exchange guest postings on a common topic.
- [5 Tips for New Home Buyers](https://personalprofitability.com/5-tips-for-new-home-buyers/): With rent prices going higher and higher all renters are going to reach a point where enough is enough. When a rent payment is more than a monthly mortgage payment and they have nothing to show for the thousands of dollars at the end of a lease, frustration mounts. Many would-be buyers shy away from the daunting process of home buying as lenders put buyers through more scrutiny than ever before. But with high availability of homes, all time low interest rates and no hassle lenders like American Financing, now is the best time to go through the extra effort to buy a home. When contemplating jumping into the home buying pool, please consider the following tips will help you get prepared for the home buying process.
- [4 Ways to Get Started Sharing Finances](https://personalprofitability.com/4-ways-to-get-started-sharing-finances/): Relationships alone can be difficult. Introduce the topic of finance and things can really start to get interesting. Money ranks as one of the top most fought over subjects in relationships so there is no question that it should be discussed with your significant other if it hasn’t been already. Open communication in any subject can save you a lot of heartbreak and frustration, so it is no surprise that this concept applies to finances in relationships as well.
- [Should I Buy The Shoes - A Lesson in Frugality](https://personalprofitability.com/should-i-buy-the-shoes-frugality/): My Grandpa Joe lived through the Great Depression. It was not an easy time for most Americans, and some of the lessons from the Depression stuck with its survivors for the rest of their lives.
- [Focus on Long Term Wealth](https://personalprofitability.com/focus-on-long-term-wealth/): Are you determined to get out of debt and grow your wealth? When I made the decision to get out of debt, all I could focus on was the current day, or at most, the next day. I had to deny myself various pleasures each and every day so that I could have that extra hundred bucks at the end of the month to put toward my student loans. It was certainly a step by step process, which required me to keep my head down and plod through each day.
- [Secrets of Smart Savers Revealed](https://personalprofitability.com/secrets-of-smart-savers-revealed/): We are all the same when it comes to saving money. Nobody is born with better skills than someone else. Nobody is a natural at personal finance. Sure, some folks are cheap by nature, while others want to indulge in everything. I get that. That's not a valid excuse though.
- [What To Do With a Public Employee Retirement Account?](https://personalprofitability.com/public-employee-retirement-account/): A reader sent me a note asking for ideas on moving to a new job after working for the State of Colorado, where the retirement plans are run by an organization called PERA. PERA works sort of like a pension plan and sort of like a 401(k). Read the question, and my answers, below.
- [5 Great Reasons to Get Out of Debt](https://personalprofitability.com/5-great-reasons-to-get-out-of-debt/): Are you thinking about dumping your debt? Maybe you are still on the fence about whether it is really worth it. Let me tell you a true story that might help you make up your mind.
- [How to Collect Coins – Becoming a Modern Numismatist](https://personalprofitability.com/how-to-collect-coins-–-becoming-a-modern-numismatist/): I spent an hour or so last weekend at a coin show. I have been collecting for about 15 years, so I have learned a thing or two about coin collecting over the years. My collection has had periods where it has grown quickly, and others where the only thing that has grown on it are dust bunnies. Over the years, though, it has been a fun and enjoyable hobby.
- [Is Refinancing Your Mortgage Always a Good Idea?](https://personalprofitability.com/is-refinancing-your-mortgage-always-a-good-idea/): Many have taken advantage of refinancing their mortgage recently. Before refinancing a mortgage do your homework and make sure it's right for you.
- [Challenges in Growing Your Small Business](https://personalprofitability.com/challenges-in-growing-your-small-business/): If you are like me, you want to build a small business to gain financial independence. Doing that, however, is not an easy task. If it were, everyone would do it. If you do have a small business, and you want it to grow, you will find many challenges.
- [Going Shopping Today is Stupid](https://personalprofitability.com/black-friday-is-stupid/): Many of my contemporaries tout Black Friday as a day to take full advantage of frugal ways to shop on a very low budget. They argue that if you stay focused and plan out your Black Friday shopping, you can get great deals on many tempting products. I am in another camp, however, if you are waiting until Black Friday to buy something, you probably don’t need it at all.
- [9 Tips for Thrift Store Shopping](https://personalprofitability.com/9-tips-for-thrift-store-shopping/): The country is buzzing about thrift store shopping. Did you miss the message? Where else can you get your grandma's jumpsuit for $7?
- [The First Step to Combined Finances – Cohabitation](https://personalprofitability.com/the-first-step-to-combined-finances-cohabitation/): I have some big news in my life. On April 1st, my wonderful girlfriend and I are going to be living together. J is moving in, along with two furry friends, and we are going to start a new home together.
- [Why Moving to a Credit Union is Not a Bad Idea](https://personalprofitability.com/why-moving-to-a-credit-union-is-not-a-bad-idea/): People often talk about why banks are a bad place to keep your money. They charge lots of fees and have notoriously bad customer service, but there are benefits and drawbacks to both big banks and local credit unions that are important to consider.
- [What Do You Waste Money On?](https://personalprofitability.com/what-do-you-waste-money-on/): No one likes to waste money. If left unchecked it can harm a budget, but by allowing yourself some free money it makes life more enjoyable.
- [What Does .25% Interest Mean For You?](https://personalprofitability.com/what-does-25-interest-mean-for-you/): As you all probably heard, the Federal Reserve lowered the interest rate to .25%. This near zero rate caused a spike in the stock market and many reactions around the finance world. What does it mean for you? I'll tell you! As a borrower, it means you can save money. This is going to be
- [Personal Finance Lessons from the iPhone 5 Release](https://personalprofitability.com/personal-finance-lessons-from-the-iphone-5-release/): OMG! OMG! APPLE HAS A NEW PHONE! iPHONE 5! WOOO! ... Chill out people. It is just a phone.
- [Paying for Airport Parking](https://personalprofitability.com/paying-for-airport-parking/): I just got back from a weekend in Little Rock, Arkansas, and was faced with the usual travel decision about car parking. From official airport lots to private lots, you can pay a lot or a little to park at the airport.
- [The Biggest IPOs of All Time](https://personalprofitability.com/the-biggest-ipos-of-all-time/): After Facebook’s record setting $16 billion IPO on Friday, which was received by the public with lackluster results, I started to think about other large IPOs and how they fared. While none had the hype of Facebook, the 3rd biggest IPO of all time, some had much better numbers.
- [Millions Turn Their Backs On Banks, Favor Alternative Solutions](https://personalprofitability.com/millions-turn-their-backs-on-banks-favor-alternative-solutions/): According to recent data from the Federal Deposit Insurance Corp., millions of Americans today do not have a bank account, and they like it that way. In fact, they choose to do business with other types of financial institutions, such as check cashing stores, to meet their banking needs. While the FDIC would like to
- [Bankruptcy Rate Increase Slows](https://personalprofitability.com/bankruptcy-rate-increase-slows/): A British study found that the rate of bankruptcies and Individual Voluntary Agreements is still increasing, but the rate of increase is leveling off.
- [Housing Prices Show Recovery](https://personalprofitability.com/housing-prices-show-recovery/): As we all know, this recession has pushed down housing prices around the world. It looks like the worst might be behind us.
- [Interview: Jason at Live Real Now](https://personalprofitability.com/interview-jason-at-live-real-now/): Welcome to the newest installment of the Yakezie interview series. Today, we have questions answered by Jason at Live Real Now. Jason has been making major strides cutting his debt and has chronicled the journey at his site.
- [Interview: Free From Broke](https://personalprofitability.com/free-from-broke/): Today I had the opportunity to ask Glen at Free From Broke a few questions about his personal finance goals and history. Free From Broke is a top quality personal finance site. It chronicles a journey from credit card debt to being, as the name implies, a lifestyle free from debts and worries.
- [Chase Is Trying to Rip Me Off](https://personalprofitability.com/chase-trying-to-rip-me-off/): I received a letter this weekend from Chase, the bank where my primary credit card is housed. The letter seemed all nice and fluffy. I am being "upgraded" to a new premier rewards program. I kept reading and everything seemed great... And then I made it down to the end where they drop in a line saying that I will have to pay a $30 annual fee. Not going to happen.
- [The Only Credit Repair Agency That Works](https://personalprofitability.com/only-credit-repair-agency-that-works/): I am sure you have seen all of the advertisements around the Internet for credit repair agencies. You see them on the web, TV, and billboards and hear them on the radio. Some say that you only need to make one call and they will take care of the rest. I have a tip for

## Pages

- [Home Personal Profitability](https://personalprofitability.com/): Personal Profitability is designed to help you earn more, spend thoughtfully, grow your wealth, and live a better life through mindful personal finance.
- [Private List Free Downloads](https://personalprofitability.com/privatelist/): Thanks for being a Personal Profitability email subscriber! This is exclusive content only for email list subscribers. Please do not share this link. It is just for you. Because you are special. Personal Profitability Playbook: Download the Personal Profitability manifesto. This is a guide to get you started on the first steps to Personal Profitability.
- [Welcome](https://personalprofitability.com/welcome/): Thanks for confirming your subscription to Personal Profitability. I am sure you will enjoy the newsletter and find lots of ideas to earn more, spend mindfully, grow your wealth, and live a better life in the emails you receive and the posts you read. Remember, you can always adjust your preferences or opt-out of the all
- [Personal Profitability Bootcamp](https://personalprofitability.com/bootcamp/): If you're looking to level up your financial skills, join the free Personal Profitability Bootcamp. Learn to Get Profitable with this email and video course.
- [Start Your Journey to Personal Profitability](https://personalprofitability.com/email/): Join today to get access to freebies, exclusive content, and personal messages from founder and editor Eric Rosenberg. Get the Personal Profitability Playbook for free just for signing up.
- [Disclaimer and Affiliate Disclosure](https://personalprofitability.com/disclaimer/): Last updated: October 12, 2026 Rosenberg Digital LLC ("Personal Profitability," "we," "us," or "our") publishes personalprofitability.com. Please read this page before you act on anything you read here. Education, not advice We share personal finance information to help you learn. Nothing on this Site is personal financial, investment, tax or legal advice, and nothing here
- [Terms of Use](https://personalprofitability.com/terms-conditions/): Effective date: October 12, 2026Last updated: October 12, 2026 These Terms of Use ("Terms") cover your use of personalprofitability.com, the Personal Profitability podcast and newsletter, and any digital product you buy from us (together, the "Site"). Rosenberg Digital LLC ("Personal Profitability," "we," "us," or "our") runs the Site. By using the Site, you agree to
- [Start Here: Your Journey to Personal Profitability](https://personalprofitability.com/personal-profitability-project/): Get started on the Path to Personal Profitability, a journey to improving your personal finances through more income and better spending habits.
- [Media & Interviews: Eric Rosenberg and Personal Profitability](https://personalprofitability.com/about/media-interviews/): Eric Rosenberg is an experienced media personality. See a listing of his TV, radio, podcast, and written article appearances here and learn how to book Eric.
- [About Personal Profitability](https://personalprofitability.com/about/): Learn about Personal Profitability and how you can earn more, spend thoughtfully, grow your wealth, and live a better life through mindful personal finance.
- [Checkout](https://personalprofitability.com/checkout-2/)
- [Contact / Work With Me](https://personalprofitability.com/contact-hire/): Personal Profitability contact form. Reach the Personal Profitability team by email.
- [Personal Profitability Marketplace](https://personalprofitability.com/resources/): Marketplace Personal Finance Management In the volatile world of free online money management tools, we have seen many great options come and go. For more options, check out my list of Mint Alternatives. Investment and Money Tracking Empower (formerly Personal Capital) is a wonderful site that helps you track your spending, cash flow, budget, investments,
- [Profitability Coaching: Personal Finance and Business Coaching with Eric Rosenberg](https://personalprofitability.com/profitability-coaching/): Profitability Coaching Get on track for your money and entrepreneurship goals in my one-on-one coaching program Apply now and schedule your free 15-minute discovery call Apply Now Wouldn't You Rather Be Relaxing, Traveling, or Spending More Time With Your Family and Friends Than Worrying About Money? Why Work with Eric Rosenberg? I've Done It, and
- [YouTube: Personal Profitability YouTube](https://personalprofitability.com/youtube/): Learn about the Personal Profitability YouTube channel. Be sure to subscribe and click the alarm bell to get notified about new personal finance videos.
- [Personal Profitability Podcast](https://personalprofitability.com/personalprofitabilitypodcast/): The Personal Profitability Podcast is a personal finance show for entrepreneurs, side hustlers, and anyone looking to improve their personal finances.
- [Home](https://personalprofitability.com/home/): Personal Profitability is about personal finance for hustlers and entrepreneurs. Learn all about money, side hustles, and investing, for business owners.
- [Shop](https://personalprofitability.com/shop/)
- [Personal Profitability Bootcamp Day 1](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-1/): Welcome to Personal Profitability Bootcamp! View the video for day one below to get started! This free resource is for subscribers only, so please keep the link to yourself. Honor system!
- [Privacy Policy](https://personalprofitability.com/about/privacy-policy/): Effective date: October 12, 2026Last updated: October 12, 2026 This Privacy Policy explains how Rosenberg Digital LLC ("Personal Profitability," "we," "us," or "our") handles information when you visit personalprofitability.com, listen to the Personal Profitability podcast, or buy a digital product from us (together, the "Site"). The short version You can read the Site without an
- [Personal Profitability Bootcamp Day 2](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-2/): Welcome back to Personal Profitability Bootcamp! Enjoy today's video below. This free resource is for subscribers only, so please keep the link to yourself. Honor system! https://www.youtube.com/watch?v=m9-Ttr3Jwr0
- [Welcome InfoStackers!](https://personalprofitability.com/welcome-infostackers/): Hello and welcome to Personal Profitability! I am so excited to welcome everyone who got a great deal on the Side Hustle Toolbox! If you are new here, make sure to follow this link and enter your discount code for a FREE download of The Personal Profitability Complete Beginner Guide to Personal Finance. Download your eBook here
- [Purchase Successful!](https://personalprofitability.com/purchase-successful/): Thank you for completing your purchase at Personal Profitability. Your transaction has completed via PayPal. Check your email for instructions on accessing your download and a receipt from PayPal. Thank you!
- [Personal Profitability Bookshelf](https://personalprofitability.com/bookshelf/): Pardon my dust - I am creating this new page based on years of reading. Some placeholders and shoddy descriptions ahead. To be amazing at managing my own personal finances, and help you along the way, I read lots of personal finance news and books. I also like reading in general and like to read
- [Contact / Hire Me](https://personalprofitability.com/contact/): Want to get in touch with me? For questions, consulting, or advertising opportunities, fill out the form below. Please note that I receive over 50 emails each day, so I am not able to answer all requests right away. If you just want to say hello or give me a shout out for a recent
- [Personal Finance Arsenal: Tools to Save You Time, Money, and Headache](https://personalprofitability.com/ebooks/personal-finance-arsenal/): Welcome to the The Personal Finance Arsenal Version 2.0. This new and updated book is designed to help you take control of your finances. It contains a list of free tools, and setup instructions, to streamline your system. No more fees. No more overdrafts. No more headache. Let me tell you a few stories.
- [Personal Profitability Pro Mastermind](https://personalprofitability.com/personal-profitability-pro-mastermind/): Everyone needs a little help sometimes. It's nothing to be ashamed of. In society today, topics like personal finance are still a taboo, so telling friends about your struggles and asking for help is an awkward conversation, if one you are willing to have at all. With two finance degrees, time as a bank manager, and
- [Zero Inbox Week Hall of Fame](https://personalprofitability.com/zero-inbox-week-hall-of-fame/): Zero Inbox Week is a five-day course teaching you how to get from inbox madness to inbox zero in one week. Enjoy some success stories from past Zero Inbox Week participants! Eric Rosenberg - June 8, 2012
- [eBooks](https://personalprofitability.com/ebooks/): The Personal Finance Arsenal The Personal Finance Arsenal is an eBook that gives you an in depth guide to making your financial life easier. Why waste money on fees? Why waste time on banking? Why deal with the headache of overdrafts? In the Personal Finance Arsenal, you learn the tricks and tools that I have
- [Best of Personal Profitability](https://personalprofitability.com/best-of-nb/): Thanks for taking the time to visit Personal Profitability. I work hard to make every post interesting, unique, and valuable to every reader. Here are a few great posts to get you started. How I Moved to My Dream City, Found a New Job, and Got a Big Raise All At Once - The detailed
- [Advertise](https://personalprofitability.com/about/advertise/): Narrow Bridge offers several advertising options for interested parties. If the advertising option is not listed below, please use the contact for to explain what you are looking for. Rates are negotiable depending on length of commitment and what you are interested in doing. Sidebar advertisement Banner ad, multiple locations possible Product review Sponsored post
- [Sponsored Post Guidelines](https://personalprofitability.com/sponsored-post-guidelines/): Thank you for your interest in advertising at Personal Profitability! The site has an amazing audience of personal finance and entrepreneurship minded readers from around the world. This site has high-quality articles dating back to October 2008. To uphold a high level of quality, trust with the Personal Profitability community, and comply with laws and
- [Guest Posting Guidelines](https://personalprofitability.com/guest-posting-guidelines/): Hi there! Thanks for your interest in guest posting at Personal Profitability. I do accept an occasional guest post, but have some guidelines and requirements before any post will be accepted. As a basic guideline, the post should be the very best on the entire internet for the topic. Look at these posts as guides
- [Personal Profitability Power Hour](https://personalprofitability.com/power-hour/): Do you ever wish you could just get a little extra help with your finances? Coaching is too big of a commitment, financial advisors are too expensive, and you just want to chat with someone for an hour to get your personal finances or side hustle on track... I get it, which is why I
- [Personal Profitability Bootcamp Day 7](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-7/): Welcome back to Personal Profitability Bootcamp! Enjoy today's video below. This free resource is for subscribers only, so please keep the link to yourself. Honor system! https://www.youtube.com/watch?v=PHElmFmyLI4
- [Personal Profitability Bootcamp Day 6](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-6/): Welcome back to Personal Profitability Bootcamp! Enjoy today's video below. This free resource is for subscribers only, so please keep the link to yourself. Honor system! https://www.youtube.com/watch?v=qjZTO5FOpII
- [Personal Profitability Bootcamp Day 5](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-5/): Welcome back to Personal Profitability Bootcamp! Enjoy today's video below. This free resource is for subscribers only, so please keep the link to yourself. Honor system! https://www.youtube.com/watch?v=oWvyKuazc00
- [Personal Profitability Bootcamp Day 4](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-4/): Welcome back to Personal Profitability Bootcamp! Enjoy today's video below. This free resource is for subscribers only, so please keep the link to yourself. Honor system! https://www.youtube.com/watch?v=Z1p5WY6JPGk
- [Personal Profitability Bootcamp Day 3](https://personalprofitability.com/bootcamp/personal-profitability-bootcamp-day-3/): Welcome back to Personal Profitability Bootcamp! Enjoy today's video below. This free resource is for subscribers only, so please keep the link to yourself. Honor system! https://www.youtube.com/watch?v=2mIisbwk94k
- [Side Hustle Webinar](https://personalprofitability.com/webinar/): Join me for the next FREE Personal Profitability webinar! We are going to focus on earning more through a side hustle so you can get out of debt, upgrade your lifestyle, and maybe even leave your job! Sign up with the form below and you'll get everything you need to know via email! Register for
- [Payments](https://personalprofitability.com/payments/)
- [Purchase History](https://personalprofitability.com/checkout-2/purchase-history/)
- [Transaction Failed](https://personalprofitability.com/checkout-2/transaction-failed/): Your transaction failed, please try again or contact site support.
- [Purchase Confirmation](https://personalprofitability.com/checkout-2/purchase-confirmation/): Thank you for your purchase! Sorry, trouble retrieving order receipt.

## Downloads

- [Personal Finance Arsenal eBook](https://personalprofitability.com/downloads/personal-finance-arsenal-ebook/): The Personal Finance Arsenal Welcome to The Personal Finance Arsenal Version 2.0. This new and updated book is designed to help you take control of your finances.
- [The Personal Profitability Complete Beginner's Guide to Personal Finance](https://personalprofitability.com/downloads/the-personal-profitability-complete-beginners-guide-to-personal-finance/): Welcome to the Personal Profitability Complete Beginner's Guide to Personal Finance. This book includes the best resources from the first decade.

## Categories

- [Community](https://personalprofitability.com/category/community/)
- [Earn More](https://personalprofitability.com/category/earn-more/): Entrepreneurship, running a small business, and trying to earn more money.
- [Economy](https://personalprofitability.com/category/economy/)
- [Grow Your Weath](https://personalprofitability.com/category/grow-your-wealth/): Increase your savings through smart money management, automated savings and investments, and solid retirement planning.
- [Insurance](https://personalprofitability.com/category/grow-your-wealth/insurance/)
- [Investing](https://personalprofitability.com/category/grow-your-wealth/investing/)
- [Live Better](https://personalprofitability.com/category/live-better/): Live a better lifestyle and enjoy what you have.
- [Personal Profitability Book Club](https://personalprofitability.com/category/community/book-club/): Books I’m reading that you may enjoy too.
- [Personal Profitability Podcast](https://personalprofitability.com/category/profitability-podcast/): Welcome to the Personal Profitability Podcast, where you can learn about earning more income, spending mindfully, growing your wealth, and living a better life with your host Eric Rosenberg.
- [Real Estate](https://personalprofitability.com/category/grow-your-wealth/real-estate/)
- [Retirement](https://personalprofitability.com/category/grow-your-wealth/retirement/)
- [Saving](https://personalprofitability.com/category/grow-your-wealth/saving/)
- [Side Hustle](https://personalprofitability.com/category/earn-more/side-hustle/)
- [Special Features](https://personalprofitability.com/category/special-features/)
- [Taxes](https://personalprofitability.com/category/taxes/)
- [Time Management](https://personalprofitability.com/category/live-better/time-management/)
- [Travel](https://personalprofitability.com/category/live-better/travel/)
- [Around The House](https://personalprofitability.com/category/grow-your-wealth/real-estate/around-the-house/)
- [Banking](https://personalprofitability.com/category/grow-your-wealth/banking/)
- [Budgeting](https://personalprofitability.com/category/budgeting/)
- [Career](https://personalprofitability.com/category/live-better/career/)
- [Career](https://personalprofitability.com/category/earn-more/career-earn-more/): You “day job” and career is the core of your income, and it is important to work hard to make as much as possible for the work you do.
- [Credit](https://personalprofitability.com/category/credit/)
- [Debt Management](https://personalprofitability.com/category/debt-management/)
- [Education](https://personalprofitability.com/category/live-better/education/)
- [Health](https://personalprofitability.com/category/live-better/health/)
- [Lifehacking](https://personalprofitability.com/category/live-better/lifehacking/)
- [Understanding and Growing Your Net Worth](https://personalprofitability.com/category/understanding-and-growing-your-net-worth/)

## Tags

- [$100 startup](https://personalprofitability.com/tag/100-startup/)
- [1040](https://personalprofitability.com/tag/1040/)
- [20s Finance](https://personalprofitability.com/tag/20s-finance/)
- [360 Checking](https://personalprofitability.com/tag/360-checking/)
- [360 Savings](https://personalprofitability.com/tag/360-savings/)
- [4 hour workweek](https://personalprofitability.com/tag/4-hour-workweek/)
- [401(k)](https://personalprofitability.com/tag/401k/)
- [401k match](https://personalprofitability.com/tag/401k-match/)
- [403(b)](https://personalprofitability.com/tag/403b/)
- [99%](https://personalprofitability.com/tag/99/)
- [Account Management](https://personalprofitability.com/tag/account-management/)
- [accounting](https://personalprofitability.com/tag/accounting/)
- [accounts](https://personalprofitability.com/tag/accounts/)
- [Adaptu](https://personalprofitability.com/tag/adaptu/)
- [Affordable Care Act](https://personalprofitability.com/tag/affordable-care-act/)
- [airline miles](https://personalprofitability.com/tag/airline-miles/)
- [airport](https://personalprofitability.com/tag/airport/)
- [Albert Ellis](https://personalprofitability.com/tag/albert-ellis/)
- [alcohol](https://personalprofitability.com/tag/alcohol/)
- [Alexa Internet](https://personalprofitability.com/tag/alexa-internet/)
- [Ally Bank](https://personalprofitability.com/tag/ally-bank/)
- [Amazon.com](https://personalprofitability.com/tag/amazon-com/)
- [American Express](https://personalprofitability.com/tag/american-express/)
- [apple](https://personalprofitability.com/tag/apple/)
- [as seen on tv](https://personalprofitability.com/tag/as-seen-on-tv/)
- [atm](https://personalprofitability.com/tag/atm/)
- [Automated Investing](https://personalprofitability.com/tag/automated-investing/)
- [Automated teller machine](https://personalprofitability.com/tag/automated-teller-machine/)
- [Autoresponder](https://personalprofitability.com/tag/autoresponder/)
- [Bad Credit](https://personalprofitability.com/tag/bad-credit/)
- [Balance Sheet](https://personalprofitability.com/tag/balance-sheet/)
- [balancing your checkbook](https://personalprofitability.com/tag/balancing-your-checkbook/)
- [Bank](https://personalprofitability.com/tag/bank/)
- [Bank Accounts](https://personalprofitability.com/tag/bank-accounts/)
- [Bank Fees](https://personalprofitability.com/tag/bank-fees/)
- [Bank Review](https://personalprofitability.com/tag/bank-review/)
- [bank secrecy act](https://personalprofitability.com/tag/bank-secrecy-act/)
- [Bank Statements](https://personalprofitability.com/tag/bank-statements/)
- [Bank Wires](https://personalprofitability.com/tag/bank-wires/)
- [banking](https://personalprofitability.com/tag/banking-2/)
- [Bankruptcy](https://personalprofitability.com/tag/bankruptcy/)
- [Barack Obama](https://personalprofitability.com/tag/barack-obama/)
- [BarackObama](https://personalprofitability.com/tag/barackobama/)
- [Barbie](https://personalprofitability.com/tag/barbie/)
- [Barenaked Ladies](https://personalprofitability.com/tag/barenaked-ladies/)
- [Barney Stinson](https://personalprofitability.com/tag/barney-stinson/)
- [Be Frugal](https://personalprofitability.com/tag/be-frugal/)
- [Being Frugal](https://personalprofitability.com/tag/being-frugal/)
- [Berkshire Hathaway](https://personalprofitability.com/tag/berkshire-hathaway/)
- [Big Box](https://personalprofitability.com/tag/big-box/)
- [Bills](https://personalprofitability.com/tag/bills/)
- [Black Friday](https://personalprofitability.com/tag/black-friday/)
- [Blog](https://personalprofitability.com/tag/blog/)
- [Blogger](https://personalprofitability.com/tag/blogger/)
- [bonds](https://personalprofitability.com/tag/bonds/)
- [Book value](https://personalprofitability.com/tag/book-value/)
- [Brokerage Statements](https://personalprofitability.com/tag/brokerage-statements/)
- [Bruce Almighty](https://personalprofitability.com/tag/bruce-almighty/)
- [Budget](https://personalprofitability.com/tag/budget/)
- [Budgeting](https://personalprofitability.com/tag/budgeting/)
- [Business](https://personalprofitability.com/tag/business/)
- [Business Checks](https://personalprofitability.com/tag/business-checks/)
- [Buy and Hold](https://personalprofitability.com/tag/buy-and-hold/)
- [Buying a Car](https://personalprofitability.com/tag/buying-a-car/)
- [Buying a Home](https://personalprofitability.com/tag/buying-a-home/)
- [buyouts](https://personalprofitability.com/tag/buyouts/)
- [Cable](https://personalprofitability.com/tag/cable/)
- [Calendar](https://personalprofitability.com/tag/calendar/)
- [Capital Gains](https://personalprofitability.com/tag/capital-gains/)
- [Capital One 360](https://personalprofitability.com/tag/capital-one-360/)
- [Capitalism](https://personalprofitability.com/tag/capitalism/)
- [Career](https://personalprofitability.com/tag/career/)
- [Career and Work](https://personalprofitability.com/tag/career-work/)
- [Carnival Cruises](https://personalprofitability.com/tag/carnival-cruises/)
- [cash](https://personalprofitability.com/tag/cash/)
- [cash advance](https://personalprofitability.com/tag/cash-advance/)
- [cash buyout](https://personalprofitability.com/tag/cash-buyout/)
- [Cash Flow](https://personalprofitability.com/tag/cash-flow/)
- [Changing Jobs](https://personalprofitability.com/tag/changing-jobs/)
- [Checkbook](https://personalprofitability.com/tag/checkbook/)
- [checking](https://personalprofitability.com/tag/checking/)
- [Checking Accounts](https://personalprofitability.com/tag/checking-accounts/)
- [Cherry Creek High School](https://personalprofitability.com/tag/cherry-creek-high-school/)
- [Chris Guillebeau](https://personalprofitability.com/tag/chris-guillebeau/)
- [Churning Credit Cards](https://personalprofitability.com/tag/churning-credit-cards/)
- [Clothing](https://personalprofitability.com/tag/clothing/)
- [Coca Cola Company](https://personalprofitability.com/tag/coca-cola-company/)
- [Collectibles](https://personalprofitability.com/tag/collectibles/)
- [college](https://personalprofitability.com/tag/college/)
- [College Football](https://personalprofitability.com/tag/college-football/)
- [Combining Finances](https://personalprofitability.com/tag/combining-finances/)
- [Compound Interest](https://personalprofitability.com/tag/compound-interest/)
- [concerts](https://personalprofitability.com/tag/concerts/)
- [conservatives](https://personalprofitability.com/tag/conservatives/)
- [convenience checks](https://personalprofitability.com/tag/convenience-checks/)
- [copper](https://personalprofitability.com/tag/copper/)
- [Corporate Raiders](https://personalprofitability.com/tag/corporate-raiders/)
- [cost](https://personalprofitability.com/tag/cost/)
- [Costa Concordia](https://personalprofitability.com/tag/costa-concordia/)
- [Costumes](https://personalprofitability.com/tag/costumes/)
- [Counselor in Training](https://personalprofitability.com/tag/counselor-in-training/)
- [Coupons](https://personalprofitability.com/tag/coupons/)
- [Credit](https://personalprofitability.com/tag/credit/)
- [Credit card](https://personalprofitability.com/tag/credit-card/)
- [Credit Card Churning](https://personalprofitability.com/tag/credit-card-churning/)
- [Credit Card Debt](https://personalprofitability.com/tag/credit-card-debt/)
- [Credit Card Offers](https://personalprofitability.com/tag/credit-card-offers/)
- [Credit Card Rewards](https://personalprofitability.com/tag/credit-card-rewards/)
- [Credit Cards](https://personalprofitability.com/tag/credit-cards/)
- [Credit history](https://personalprofitability.com/tag/credit-history/)
- [Credit Karma](https://personalprofitability.com/tag/credit-karma/)
- [Credit Monitoring](https://personalprofitability.com/tag/credit-monitoring/)
- [Credit Repair](https://personalprofitability.com/tag/credit-repair/)
- [Credit Repair Agencies](https://personalprofitability.com/tag/credit-repair-agencies/)
- [credit report](https://personalprofitability.com/tag/credit-report/)
- [Credit Reporting](https://personalprofitability.com/tag/credit-reporting/)
- [Credit score](https://personalprofitability.com/tag/credit-score/)
- [credit sesame](https://personalprofitability.com/tag/credit-sesame/)
- [cruise](https://personalprofitability.com/tag/cruise/)
- [CTR](https://personalprofitability.com/tag/ctr/)
- [Cub Scout](https://personalprofitability.com/tag/cub-scout/)
- [currency](https://personalprofitability.com/tag/currency/)
- [cut your expenses](https://personalprofitability.com/tag/cut-your-expenses/)
- [dairy](https://personalprofitability.com/tag/dairy/)
- [Damaged Currency](https://personalprofitability.com/tag/damaged-currency/)
- [Dating](https://personalprofitability.com/tag/dating/)
- [Debit Cards](https://personalprofitability.com/tag/debit-cards/)
- [Debt](https://personalprofitability.com/tag/debt/)
- [debt consolidation](https://personalprofitability.com/tag/debt-consolidation/)
- [Debt Repayment](https://personalprofitability.com/tag/debt-repayment/)
- [Debt Snowball](https://personalprofitability.com/tag/debt-snowball/)
- [Demand Media](https://personalprofitability.com/tag/demand-media/)
- [Denver](https://personalprofitability.com/tag/denver/)
- [Department of Treasury](https://personalprofitability.com/tag/department-of-treasury/)
- [Discounts](https://personalprofitability.com/tag/discounts/)
- [Disposable and discretionary income](https://personalprofitability.com/tag/disposable-and-discretionary-income/)
- [Dividend Reinvestment](https://personalprofitability.com/tag/dividend-reinvestment/)
- [Dividend Stocks](https://personalprofitability.com/tag/dividend-stocks/)
- [Dividends](https://personalprofitability.com/tag/dividends/)
- [DJIA](https://personalprofitability.com/tag/djia/)
- [do it yourself](https://personalprofitability.com/tag/do-it-yourself/)
- [doctor](https://personalprofitability.com/tag/doctor/)
- [dollars](https://personalprofitability.com/tag/dollars/)
- [Donations](https://personalprofitability.com/tag/donations/)
- [Dow Jones Industrial Average](https://personalprofitability.com/tag/dow-jones-industrial-average/)
- [Down payment](https://personalprofitability.com/tag/down-payment/)
- [DRIP](https://personalprofitability.com/tag/drip/)
- [Earn More](https://personalprofitability.com/tag/earn-more/)
- [earn more money](https://personalprofitability.com/tag/earn-more-money/)
- [Eating](https://personalprofitability.com/tag/eating/)
- [eBay](https://personalprofitability.com/tag/ebay/)
- [Economics](https://personalprofitability.com/tag/economics/)
- [Economy](https://personalprofitability.com/tag/economy/)
- [Education](https://personalprofitability.com/tag/education/)
- [email](https://personalprofitability.com/tag/email/)
- [Emergency Fund](https://personalprofitability.com/tag/emergency-fund/)
- [Employer Benefits](https://personalprofitability.com/tag/employer-benefits/)
- [Employment](https://personalprofitability.com/tag/employment/)
- [Entertainment](https://personalprofitability.com/tag/entertainment/)
- [Entreprenuership](https://personalprofitability.com/tag/entreprenuership/)
- [envrionment](https://personalprofitability.com/tag/envrionment/)
- [Equal Credit Opportunity Act](https://personalprofitability.com/tag/equal-credit-opportunity-act/)
- [equity](https://personalprofitability.com/tag/equity/)
- [ETFs](https://personalprofitability.com/tag/etfs/)
- [Etiquette](https://personalprofitability.com/tag/etiquette/)
- [EUR](https://personalprofitability.com/tag/eur/)
- [euro](https://personalprofitability.com/tag/euro/)
- [Eurozone](https://personalprofitability.com/tag/eurozone/)
- [excel](https://personalprofitability.com/tag/excel/)
- [expenses](https://personalprofitability.com/tag/expenses/)
- [Expiration Dates](https://personalprofitability.com/tag/expiration-dates/)
- [Facebook](https://personalprofitability.com/tag/facebook/)
- [Fair Value](https://personalprofitability.com/tag/fair-value/)
- [Family](https://personalprofitability.com/tag/family/)
- [Family Business](https://personalprofitability.com/tag/family-business/)
- [fees](https://personalprofitability.com/tag/fees/)
- [File Cabinet](https://personalprofitability.com/tag/file-cabinet/)
- [FileThis](https://personalprofitability.com/tag/filethis/)
- [Filing Taxes](https://personalprofitability.com/tag/filing-taxes/)
- [Finance](https://personalprofitability.com/tag/finance/)
- [Financial Advisors](https://personalprofitability.com/tag/financial-advisors/)
- [Financial Services](https://personalprofitability.com/tag/financial-services/)
- [Finovera](https://personalprofitability.com/tag/finovera/)
- [fireworks](https://personalprofitability.com/tag/fireworks/)
- [First Date](https://personalprofitability.com/tag/first-date/)
- [first home purchase](https://personalprofitability.com/tag/first-home-purchase/)
- [Five Minute Retirement Plan](https://personalprofitability.com/tag/five-minute-retirement-plan/)
- [Fix and Flip](https://personalprofitability.com/tag/fix-and-flip/)
- [Food](https://personalprofitability.com/tag/food/)
- [Food Budget](https://personalprofitability.com/tag/food-budget/)
- [Football](https://personalprofitability.com/tag/football/)
- [foreign exchange](https://personalprofitability.com/tag/foreign-exchange/)
- [forex](https://personalprofitability.com/tag/forex/)
- [Fourth of July](https://personalprofitability.com/tag/fourth-of-july/)
- [free stuff](https://personalprofitability.com/tag/free-stuff-2/)
- [Free Travel](https://personalprofitability.com/tag/free-travel/)
- [Freelance](https://personalprofitability.com/tag/freelance/)
- [Frequent Flyer Miles](https://personalprofitability.com/tag/frequent-flyer-miles/)
- [freshman](https://personalprofitability.com/tag/freshman/)
- [friends](https://personalprofitability.com/tag/friends/)
- [Friendship](https://personalprofitability.com/tag/friendship/)
- [Frugal](https://personalprofitability.com/tag/frugal/)
- [frugality](https://personalprofitability.com/tag/frugality/)
- [frugally](https://personalprofitability.com/tag/frugally/)
- [Fundamental Analysis](https://personalprofitability.com/tag/fundamental-analysis/)
- [Gambling](https://personalprofitability.com/tag/gambling/)
- [GBP](https://personalprofitability.com/tag/gbp/)
- [GLD](https://personalprofitability.com/tag/gld/)
- [gold](https://personalprofitability.com/tag/gold/)
- [Gold ETF](https://personalprofitability.com/tag/gold-etf/)
- [Goodwill](https://personalprofitability.com/tag/goodwill/)
- [Gordon Gekko](https://personalprofitability.com/tag/gordon-gekko/)
- [Graduation](https://personalprofitability.com/tag/graduation/)
- [Great Depression](https://personalprofitability.com/tag/great-depression/)
- [Greed is Good](https://personalprofitability.com/tag/greed-is-good/)
- [Grocery store](https://personalprofitability.com/tag/grocery-store/)
- [Gym Membership](https://personalprofitability.com/tag/gym-membership/)
- [happiness](https://personalprofitability.com/tag/happiness/)
- [hard hit](https://personalprofitability.com/tag/hard-hit/)
- [HDHP](https://personalprofitability.com/tag/hdhp/)
- [Health](https://personalprofitability.com/tag/health/)
- [health spending account](https://personalprofitability.com/tag/health-spending-account/)
- [healthcare](https://personalprofitability.com/tag/healthcare/)
- [high deductible health plan](https://personalprofitability.com/tag/high-deductible-health-plan/)
- [hobby](https://personalprofitability.com/tag/hobby/)
- [Home](https://personalprofitability.com/tag/home/)
- [Home Depot](https://personalprofitability.com/tag/home-depot/)
- [home equity loan](https://personalprofitability.com/tag/home-equity-loan/)
- [Home Ownership](https://personalprofitability.com/tag/home-ownership/)
- [Home Purchase](https://personalprofitability.com/tag/home-purchase/)
- [Hostels](https://personalprofitability.com/tag/hostels/)
- [hotels](https://personalprofitability.com/tag/hotels/)
- [House](https://personalprofitability.com/tag/house/)
- [house poor](https://personalprofitability.com/tag/house-poor/)
- [housing](https://personalprofitability.com/tag/housing/)
- [How I Met Your Mother](https://personalprofitability.com/tag/how-i-met-your-mother/)
- [How to Budget](https://personalprofitability.com/tag/how-to-budget/)
- [How to Save Money](https://personalprofitability.com/tag/how-to-save-money/)
- [HSA](https://personalprofitability.com/tag/hsa/)
- [I Am](https://personalprofitability.com/tag/i-am/)
- [IFTTT](https://personalprofitability.com/tag/ifttt/)
- [Income](https://personalprofitability.com/tag/income/)
- [Income Disparity](https://personalprofitability.com/tag/income-disparity/)
- [Income Property](https://personalprofitability.com/tag/income-property/)
- [Income Stream](https://personalprofitability.com/tag/income-stream/)
- [Income Tax Refund](https://personalprofitability.com/tag/income-tax-refund/)
- [Index Funds](https://personalprofitability.com/tag/index-funds/)
- [indinero](https://personalprofitability.com/tag/indinero/)
- [infomercials](https://personalprofitability.com/tag/infomercials/)
- [ING Group](https://personalprofitability.com/tag/ing-group/)
- [Inheritance](https://personalprofitability.com/tag/inheritance/)
- [Insurance](https://personalprofitability.com/tag/insurance/)
- [Interest](https://personalprofitability.com/tag/interest/)
- [Interest Rates](https://personalprofitability.com/tag/interest-rates/)
- [Interest Savings](https://personalprofitability.com/tag/interest-savings/)
- [international investing](https://personalprofitability.com/tag/international-investing/)
- [Internet](https://personalprofitability.com/tag/internet/)
- [Interview](https://personalprofitability.com/tag/interview/)
- [Investing](https://personalprofitability.com/tag/investing/)
- [Investing for Retirement](https://personalprofitability.com/tag/investing-for-retirement/)
- [Investment Portfolio](https://personalprofitability.com/tag/investment-portfolio/)
- [iPhone](https://personalprofitability.com/tag/iphone/)
- [IPO](https://personalprofitability.com/tag/ipo/)
- [IRA](https://personalprofitability.com/tag/ira/)
- [IRS](https://personalprofitability.com/tag/irs/)
- [Jack Whittaker](https://personalprofitability.com/tag/jack-whittaker/)
- [Jay Leno](https://personalprofitability.com/tag/jay-leno/)
- [Job Placement](https://personalprofitability.com/tag/job-placement/)
- [Job Search](https://personalprofitability.com/tag/job-search/)
- [Julie Clow](https://personalprofitability.com/tag/julie-clow/)
- [Kindle](https://personalprofitability.com/tag/kindle/)
- [Kiva](https://personalprofitability.com/tag/kiva/)
- [Kohl's Card](https://personalprofitability.com/tag/kohls-card/)
- [lactose](https://personalprofitability.com/tag/lactose/)
- [Landlord](https://personalprofitability.com/tag/landlord/)
- [LastPass](https://personalprofitability.com/tag/lastpass/)
- [Layoff](https://personalprofitability.com/tag/layoff/)
- [LBO](https://personalprofitability.com/tag/lbo/)
- [LearnVest](https://personalprofitability.com/tag/learnvest/)
- [Legal](https://personalprofitability.com/tag/legal/)
- [Lenders mortgage insurance](https://personalprofitability.com/tag/lenders-mortgage-insurance/)
- [Lending](https://personalprofitability.com/tag/lending/)
- [Lending Club](https://personalprofitability.com/tag/lending-club/)
- [Liar Liar](https://personalprofitability.com/tag/liar-liar/)
- [life insurance](https://personalprofitability.com/tag/life-insurance/)
- [Lifehacking](https://personalprofitability.com/tag/lifehacking/)
- [lifestyle](https://personalprofitability.com/tag/lifestyle-2/)
- [LinkedIn](https://personalprofitability.com/tag/linkedin/)
- [Live Real Now](https://personalprofitability.com/tag/live-real-now/)
- [LLC](https://personalprofitability.com/tag/llc/)
- [Loan](https://personalprofitability.com/tag/loan/)
- [loan payments](https://personalprofitability.com/tag/loan-payments/)
- [Loans](https://personalprofitability.com/tag/loans/)
- [Lottery](https://personalprofitability.com/tag/lottery/)
- [Loyalty program](https://personalprofitability.com/tag/loyalty-program/)
- [loyalty programs](https://personalprofitability.com/tag/loyalty-programs/)
- [Luxury Yacht](https://personalprofitability.com/tag/luxury-yacht/)
- [M&A](https://personalprofitability.com/tag/ma/)
- [Make Money](https://personalprofitability.com/tag/make-money/)
- [make money online](https://personalprofitability.com/tag/make-money-online/)
- [making money online](https://personalprofitability.com/tag/making-money-online/)
- [Manilla](https://personalprofitability.com/tag/manilla/)
- [Marketing](https://personalprofitability.com/tag/marketing/)
- [Marriage](https://personalprofitability.com/tag/marriage/)
- [Married Filing Jointly](https://personalprofitability.com/tag/married-filing-jointly/)
- [MegaMillions](https://personalprofitability.com/tag/megamillions/)
- [merchant account](https://personalprofitability.com/tag/merchant-account/)
- [mergers and acquisitions](https://personalprofitability.com/tag/mergers-and-acquisitions/)
- [Merlin](https://personalprofitability.com/tag/merlin/)
- [Mike Coffman](https://personalprofitability.com/tag/mike-coffman/)
- [MIL](https://personalprofitability.com/tag/mil/)
- [Milton Friedman](https://personalprofitability.com/tag/milton-friedman/)
- [Mint](https://personalprofitability.com/tag/mint/)
- [Mint Alternatives](https://personalprofitability.com/tag/mint-alternatives/)
- [Mint.com](https://personalprofitability.com/tag/mint-com/)
- [Mitch McConnell](https://personalprofitability.com/tag/mitch-mcconnell/)
- [Money](https://personalprofitability.com/tag/money/)
- [money laundering](https://personalprofitability.com/tag/money-laundering/)
- [Money Management](https://personalprofitability.com/tag/money-management/)
- [Money News](https://personalprofitability.com/tag/money-news/)
- [Money Orders](https://personalprofitability.com/tag/money-orders/)
- [Money Saving](https://personalprofitability.com/tag/money-saving/)
- [Monster](https://personalprofitability.com/tag/monster/)
- [more money on the side](https://personalprofitability.com/tag/more-money-on-the-side/)
- [Mortgage](https://personalprofitability.com/tag/mortgage/)
- [Mortgage loan](https://personalprofitability.com/tag/mortgage-loan/)
- [Movies](https://personalprofitability.com/tag/movies/)
- [moving](https://personalprofitability.com/tag/moving/)
- [Mukesh Ambani](https://personalprofitability.com/tag/mukesh-ambani/)
- [Multiple Analysis](https://personalprofitability.com/tag/multiple-analysis/)
- [mutual funds](https://personalprofitability.com/tag/mutual-funds/)
- [needs vs. wants](https://personalprofitability.com/tag/needs-vs-wants/)
- [negotiation](https://personalprofitability.com/tag/negotiation/)
- [Netflix](https://personalprofitability.com/tag/netflix/)
- [Networking](https://personalprofitability.com/tag/networking/)
- [New Job](https://personalprofitability.com/tag/new-job/)
- [New York Times](https://personalprofitability.com/tag/new-york-times/)
- [Nutty Professor](https://personalprofitability.com/tag/nutty-professor/)
- [Obamacare](https://personalprofitability.com/tag/obamacare/)
- [Occupy America](https://personalprofitability.com/tag/occupy-america/)
- [Occupy Denver](https://personalprofitability.com/tag/occupy-denver/)
- [Occupy Wall Street](https://personalprofitability.com/tag/occupy-wall-street/)
- [online bank](https://personalprofitability.com/tag/online-bank/)
- [Online Banking](https://personalprofitability.com/tag/online-banking/)
- [Online Bill Pay](https://personalprofitability.com/tag/online-bill-pay/)
- [Online Income](https://personalprofitability.com/tag/online-income/)
- [Online Investing](https://personalprofitability.com/tag/online-investing/)
- [Option (finance)](https://personalprofitability.com/tag/option-finance/)
- [Order of the Arrow](https://personalprofitability.com/tag/order-of-the-arrow/)
- [Organization](https://personalprofitability.com/tag/organization/)
- [Overdraft](https://personalprofitability.com/tag/overdraft/)
- [P/B ratio](https://personalprofitability.com/tag/pb-ratio/)
- [P/E ratio](https://personalprofitability.com/tag/pe-ratio/)
- [packing](https://personalprofitability.com/tag/packing/)
- [PageRank](https://personalprofitability.com/tag/pagerank/)
- [Paid Services](https://personalprofitability.com/tag/paid-services/)
- [Parenting](https://personalprofitability.com/tag/parenting/)
- [parking](https://personalprofitability.com/tag/parking/)
- [party](https://personalprofitability.com/tag/party/)
- [passive income](https://personalprofitability.com/tag/passive-income/)
- [Passwords](https://personalprofitability.com/tag/passwords/)
- [pat flynn](https://personalprofitability.com/tag/pat-flynn/)
- [patriot act](https://personalprofitability.com/tag/patriot-act/)
- [paycheck](https://personalprofitability.com/tag/paycheck/)
- [payday](https://personalprofitability.com/tag/payday/)
- [Paying off debt](https://personalprofitability.com/tag/paying-off-debt/)
- [Payment](https://personalprofitability.com/tag/payment/)
- [payments](https://personalprofitability.com/tag/payments/)
- [PayPal](https://personalprofitability.com/tag/paypal/)
- [Peer to Peer Lending](https://personalprofitability.com/tag/peer-to-peer-lending/)
- [Personal Capital](https://personalprofitability.com/tag/personal-capital/)
- [Personal Care](https://personalprofitability.com/tag/personal-care/)
- [Personal Checks](https://personalprofitability.com/tag/personal-checks/)
- [Personal Finance](https://personalprofitability.com/tag/personal-finance/)
- [Personal Finance Arsenal](https://personalprofitability.com/tag/personal-finance-arsenal/)
- [Personal Profitability Book Club](https://personalprofitability.com/tag/book-club/)
- [platinum](https://personalprofitability.com/tag/platinum/)
- [Portfolio Management](https://personalprofitability.com/tag/portfolio-management/)
- [Poverty](https://personalprofitability.com/tag/poverty/)
- [Power Wallet](https://personalprofitability.com/tag/power-wallet/)
- [Powerball](https://personalprofitability.com/tag/powerball/)
- [precious metals](https://personalprofitability.com/tag/precious-metals/)
- [President](https://personalprofitability.com/tag/president/)
- [Prince Al Waleed Bin Talal](https://personalprofitability.com/tag/prince-al-waleed-bin-talal/)
- [Private Banking](https://personalprofitability.com/tag/private-banking/)
- [Private Jet](https://personalprofitability.com/tag/private-jet/)
- [Prosper](https://personalprofitability.com/tag/prosper/)
- [Purse](https://personalprofitability.com/tag/purse/)
- [quickbooks](https://personalprofitability.com/tag/quickbooks/)
- [Quicken](https://personalprofitability.com/tag/quicken/)
- [Raise](https://personalprofitability.com/tag/raise/)
- [Real estate](https://personalprofitability.com/tag/real-estate-2/)
- [realtor](https://personalprofitability.com/tag/realtor/)
- [Recreation](https://personalprofitability.com/tag/recreation/)
- [Recruiting](https://personalprofitability.com/tag/recruiting/)
- [RedCard](https://personalprofitability.com/tag/redcard/)
- [Reed Hastings](https://personalprofitability.com/tag/reed-hastings/)
- [Refinance](https://personalprofitability.com/tag/refinance/)
- [Refinanced](https://personalprofitability.com/tag/refinanced/)
- [Refinanced a Mortgage](https://personalprofitability.com/tag/refinanced-a-mortgage/)
- [Refinancing](https://personalprofitability.com/tag/refinancing/)
- [Refinancing Your Mortgage](https://personalprofitability.com/tag/refinancing-your-mortgage/)
- [Refund](https://personalprofitability.com/tag/refund/)
- [Relationship](https://personalprofitability.com/tag/relationship/)
- [Relationships](https://personalprofitability.com/tag/relationships/)
- [rent](https://personalprofitability.com/tag/rent/)
- [Rental Properties](https://personalprofitability.com/tag/rental-properties/)
- [Renting](https://personalprofitability.com/tag/renting/)
- [Repaying Debt](https://personalprofitability.com/tag/repaying-debt/)
- [Republican](https://personalprofitability.com/tag/republican/)
- [Restaurant](https://personalprofitability.com/tag/restaurant/)
- [Restaurants](https://personalprofitability.com/tag/restaurants/)
- [retirement](https://personalprofitability.com/tag/retirement-2/)
- [Retirement Accounts](https://personalprofitability.com/tag/retirement-accounts/)
- [Retirement Investing](https://personalprofitability.com/tag/retirement-investing/)
- [Retirement Planning](https://personalprofitability.com/tag/retirement-planning/)
- [Rewards](https://personalprofitability.com/tag/rewards/)
- [Rewards Credit Cards](https://personalprofitability.com/tag/rewards-credit-cards/)
- [Rewards Points](https://personalprofitability.com/tag/rewards-points/)
- [Roman Abramovich](https://personalprofitability.com/tag/roman-abramovich/)
- [Ronald Reagan](https://personalprofitability.com/tag/ronald-reagan/)
- [Roth IRA](https://personalprofitability.com/tag/roth-ira/)
- [Royal Caribbean](https://personalprofitability.com/tag/royal-caribbean/)
- [rush limbaugh](https://personalprofitability.com/tag/rush-limbaugh/)
- [Safe Deposit Boxes](https://personalprofitability.com/tag/safe-deposit-boxes/)
- [SAR](https://personalprofitability.com/tag/sar/)
- [Save for Retirement](https://personalprofitability.com/tag/save-for-retirement/)
- [Save Money](https://personalprofitability.com/tag/save-money/)
- [Save Time](https://personalprofitability.com/tag/save-time/)
- [save up for first home purchase](https://personalprofitability.com/tag/save-up-for-first-home-purchase/)
- [Saving](https://personalprofitability.com/tag/saving/)
- [Saving for Retirement](https://personalprofitability.com/tag/saving-for-retirement/)
- [saving money](https://personalprofitability.com/tag/saving-money/)
- [savings](https://personalprofitability.com/tag/savings/)
- [Savings Account](https://personalprofitability.com/tag/savings-account/)
- [Schedule C](https://personalprofitability.com/tag/schedule-c/)
- [Scientific method](https://personalprofitability.com/tag/scientific-method/)
- [Scout](https://personalprofitability.com/tag/scout/)
- [Scout Leader](https://personalprofitability.com/tag/scout-leader/)
- [Security](https://personalprofitability.com/tag/security/)
- [Self-Employment](https://personalprofitability.com/tag/self-employment/)
- [SEP](https://personalprofitability.com/tag/sep/)
- [Service Industry](https://personalprofitability.com/tag/service-industry/)
- [Shared Finances](https://personalprofitability.com/tag/shared-finances/)
- [Sharing Costs](https://personalprofitability.com/tag/sharing-costs/)
- [shaving](https://personalprofitability.com/tag/shaving/)
- [Shopping](https://personalprofitability.com/tag/shopping/)
- [Side Hustle](https://personalprofitability.com/tag/side-hustle/)
- [Side Income](https://personalprofitability.com/tag/side-income/)
- [silver](https://personalprofitability.com/tag/silver/)
- [Silver ETF](https://personalprofitability.com/tag/silver-etf/)
- [Simplee](https://personalprofitability.com/tag/simplee/)
- [Slice](https://personalprofitability.com/tag/slice/)
- [SLV](https://personalprofitability.com/tag/slv/)
- [small business](https://personalprofitability.com/tag/small-business/)
- [Snowball](https://personalprofitability.com/tag/snowball/)
- [Social Lending](https://personalprofitability.com/tag/social-lending/)
- [Social Networking](https://personalprofitability.com/tag/social-networking/)
- [soft hit](https://personalprofitability.com/tag/soft-hit/)
- [Sole Proprietor](https://personalprofitability.com/tag/sole-proprietor/)
- [South Park](https://personalprofitability.com/tag/south-park/)
- [soy](https://personalprofitability.com/tag/soy/)
- [spending](https://personalprofitability.com/tag/spending/)
- [square](https://personalprofitability.com/tag/square/)
- [Starbucks](https://personalprofitability.com/tag/starbucks/)
- [Starwood](https://personalprofitability.com/tag/starwood/)
- [Stock](https://personalprofitability.com/tag/stock/)
- [stock buyout](https://personalprofitability.com/tag/stock-buyout/)
- [Stock Index](https://personalprofitability.com/tag/stock-index/)
- [Stock market](https://personalprofitability.com/tag/stock-market/)
- [stocks](https://personalprofitability.com/tag/stocks/)
- [Store Credit Cards](https://personalprofitability.com/tag/store-credit-cards/)
- [stress](https://personalprofitability.com/tag/stress/)
- [Student loan](https://personalprofitability.com/tag/student-loan/)
- [student loans](https://personalprofitability.com/tag/student-loans/)
- [Summer Vacation](https://personalprofitability.com/tag/summer-vacation/)
- [summer Vacation Ideas](https://personalprofitability.com/tag/summer-vacation-ideas/)
- [Tailgate](https://personalprofitability.com/tag/tailgate/)
- [Tailgate Parties](https://personalprofitability.com/tag/tailgate-parties/)
- [Tailgate Party](https://personalprofitability.com/tag/tailgate-party/)
- [Tailgate Party Ideas](https://personalprofitability.com/tag/tailgate-party-ideas/)
- [Target Card](https://personalprofitability.com/tag/target-card/)
- [Target Date Funds](https://personalprofitability.com/tag/target-date-funds/)
- [Tax Forms](https://personalprofitability.com/tag/tax-forms/)
- [tax free investing](https://personalprofitability.com/tag/tax-free-investing/)
- [Tax Preparation](https://personalprofitability.com/tag/tax-preparation/)
- [Tax Records](https://personalprofitability.com/tag/tax-records/)
- [Tax Refund](https://personalprofitability.com/tag/tax-refund/)
- [Tax Return](https://personalprofitability.com/tag/tax-return/)
- [Tax Software](https://personalprofitability.com/tag/tax-software/)
- [tax withholding](https://personalprofitability.com/tag/tax-withholding/)
- [taxes](https://personalprofitability.com/tag/taxes-2/)
- [Taylor Swift](https://personalprofitability.com/tag/taylor-swift/)
- [tea party](https://personalprofitability.com/tag/tea-party/)
- [Ted Mosby](https://personalprofitability.com/tag/ted-mosby/)
- [Television](https://personalprofitability.com/tag/television/)
- [Tesla Roadster](https://personalprofitability.com/tag/tesla-roadster/)
- [The Work Revolution](https://personalprofitability.com/tag/the-work-revolution/)
- [Thrift Shop](https://personalprofitability.com/tag/thrift-shop/)
- [Thrift Store](https://personalprofitability.com/tag/thrift-store/)
- [tim ferris](https://personalprofitability.com/tag/tim-ferris/)
- [time management](https://personalprofitability.com/tag/time-management-2/)
- [Tipping](https://personalprofitability.com/tag/tipping/)
- [tips](https://personalprofitability.com/tag/tips/)
- [Tobacco](https://personalprofitability.com/tag/tobacco/)
- [Tom Shadyac](https://personalprofitability.com/tag/tom-shadyac/)
- [Tourism](https://personalprofitability.com/tag/tourism/)
- [Tracking a Budget](https://personalprofitability.com/tag/tracking-a-budget/)
- [Traditional IRA](https://personalprofitability.com/tag/traditional-ira/)
- [Transfers](https://personalprofitability.com/tag/transfers/)
- [Transition](https://personalprofitability.com/tag/transition/)
- [transportation](https://personalprofitability.com/tag/transportation/)
- [Travel](https://personalprofitability.com/tag/travel/)
- [Travel Hacking](https://personalprofitability.com/tag/travel-hacking/)
- [travel rewards](https://personalprofitability.com/tag/travel-rewards/)
- [Travel Upgrades](https://personalprofitability.com/tag/travel-upgrades/)
- [Traveling](https://personalprofitability.com/tag/traveling/)
- [truck rental](https://personalprofitability.com/tag/truck-rental/)
- [TSA Pre-Check](https://personalprofitability.com/tag/tsa-pre-check/)
- [TV](https://personalprofitability.com/tag/tv/)
- [U.S. Bancorp](https://personalprofitability.com/tag/u-s-bancorp/)
- [United State](https://personalprofitability.com/tag/united-state/)
- [United States](https://personalprofitability.com/tag/united-states/)
- [United States Congress](https://personalprofitability.com/tag/united-states-congress/)
- [United States House of Representatives](https://personalprofitability.com/tag/united-states-house-of-representatives/)
- [universal healthcare](https://personalprofitability.com/tag/universal-healthcare/)
- [Valuation](https://personalprofitability.com/tag/valuation/)
- [Value](https://personalprofitability.com/tag/value/)
- [Value investing](https://personalprofitability.com/tag/value-investing/)
- [Visa](https://personalprofitability.com/tag/visa/)
- [W-9](https://personalprofitability.com/tag/w-9/)
- [Wage Garnishments](https://personalprofitability.com/tag/wage-garnishments/)
- [Waiters](https://personalprofitability.com/tag/waiters/)
- [wallet](https://personalprofitability.com/tag/wallet/)
- [Walmart Card](https://personalprofitability.com/tag/walmart-card/)
- [Warren Buffet](https://personalprofitability.com/tag/warren-buffet/)
- [Warren Buffett](https://personalprofitability.com/tag/warren-buffett/)
- [Washington](https://personalprofitability.com/tag/washington/)
- [Waste Money](https://personalprofitability.com/tag/waste-money/)
- [Wasting Money](https://personalprofitability.com/tag/wasting-money/)
- [ways to cut your expenses](https://personalprofitability.com/tag/ways-to-cut-your-expenses/)
- [Wealth](https://personalprofitability.com/tag/wealth/)
- [Wealth Disparity](https://personalprofitability.com/tag/wealth-disparity/)
- [wedding](https://personalprofitability.com/tag/wedding/)
- [weight](https://personalprofitability.com/tag/weight/)
- [wine](https://personalprofitability.com/tag/wine/)
- [Write Off](https://personalprofitability.com/tag/write-off/)
- [Yakezie](https://personalprofitability.com/tag/yakezie/)
- [YNAB](https://personalprofitability.com/tag/ynab/)
- [Yodlee MoneyCenter](https://personalprofitability.com/tag/yodlee-moneycenter/)
- [zombie apocalypse](https://personalprofitability.com/tag/zombie-apocalypse/)
- [zombies](https://personalprofitability.com/tag/zombies/)
- [Home Loan](https://personalprofitability.com/tag/home-loan/)
- [price protection](https://personalprofitability.com/tag/price-protection/)
- [cut your monthly expenses](https://personalprofitability.com/tag/cut-your-monthly-expenses/)
- [HELOC](https://personalprofitability.com/tag/heloc/)
- [hedge funds](https://personalprofitability.com/tag/hedge-funds/)
- [alternative investments](https://personalprofitability.com/tag/alternative-investments/)
- [Amended Return](https://personalprofitability.com/tag/amended-return/)
- [Digit](https://personalprofitability.com/tag/digit/)
- [luxury purchases](https://personalprofitability.com/tag/luxury-purchases/)
- [avoid student loan](https://personalprofitability.com/tag/avoid-student-loan/)
- [timing the market](https://personalprofitability.com/tag/timing-the-market/)
- [summer maintenance projects](https://personalprofitability.com/tag/summer-maintenance-projects/)
- [Simplified Employee Pension (SEP)](https://personalprofitability.com/tag/simplified-employee-pension-sep/)
- [Rollover IRA](https://personalprofitability.com/tag/rollover-ira/)
- [Comcast](https://personalprofitability.com/tag/comcast/)
- [Writing](https://personalprofitability.com/tag/writing/)
- [fractional shares](https://personalprofitability.com/tag/fractional-shares/)
- [can you become a millionaire off stocks](https://personalprofitability.com/tag/can-you-become-a-millionaire-off-stocks/)
- [Spain](https://personalprofitability.com/tag/spain/)
- [Gibraltar](https://personalprofitability.com/tag/gibraltar/)
- [Portugal](https://personalprofitability.com/tag/portugal/)
- [Freelancing](https://personalprofitability.com/tag/freelancing/)
- [find a cheap house for sale](https://personalprofitability.com/tag/find-a-cheap-house-for-sale/)
- [find a cheap house](https://personalprofitability.com/tag/find-a-cheap-house/)
- [young adults](https://personalprofitability.com/tag/young-adults/)
- [swagbucks](https://personalprofitability.com/tag/swagbucks/)
- [Startup](https://personalprofitability.com/tag/startup/)
- [should I max out my Roth 401k](https://personalprofitability.com/tag/should-i-max-out-my-roth-401k/)
- [REIT](https://personalprofitability.com/tag/reit/)
- [Real Estate Investment Trust](https://personalprofitability.com/tag/real-estate-investment-trust/)
- [Martin Dasko](https://personalprofitability.com/tag/martin-dasko/)
- [investing tips](https://personalprofitability.com/tag/investing-tips/)
- [benefits](https://personalprofitability.com/tag/benefits/)
- [salary](https://personalprofitability.com/tag/salary/)
- [compensation](https://personalprofitability.com/tag/compensation/)
- [new york stock exchange](https://personalprofitability.com/tag/new-york-stock-exchange/)
- [harlan luke landes](https://personalprofitability.com/tag/harlan-luke-landes/)
- [smart passive income](https://personalprofitability.com/tag/smart-passive-income/)
- [consumerism commentary](https://personalprofitability.com/tag/consumerism-commentary/)
- [jeff fruhwirth](https://personalprofitability.com/tag/jeff-fruhwirth/)
- [sustainable life blog](https://personalprofitability.com/tag/sustainable-life-blog/)
- [preferred stock](https://personalprofitability.com/tag/preferred-stock/)
- [common stock](https://personalprofitability.com/tag/common-stock/)
- [nasdaq](https://personalprofitability.com/tag/nasdaq/)
- [steve stewart](https://personalprofitability.com/tag/steve-stewart/)
- [Verizon](https://personalprofitability.com/tag/verizon/)
- [Google Fi](https://personalprofitability.com/tag/google-fi/)
- [Cell Phone](https://personalprofitability.com/tag/cell-phone/)
- [JD Roth](https://personalprofitability.com/tag/jd-roth/)
- [Get Rich Slowly](https://personalprofitability.com/tag/get-rich-slowly/)
- [ConvertKit](https://personalprofitability.com/tag/convertkit/)
- [SelectQuote](https://personalprofitability.com/tag/selectquote/)
- [bookkeeping](https://personalprofitability.com/tag/bookkeeping/)
- [edataquick](https://personalprofitability.com/tag/edataquick/)
- [incometaxes](https://personalprofitability.com/tag/incometaxes/)
- [become a CFO](https://personalprofitability.com/tag/become-a-cfo/)
- [CFO](https://personalprofitability.com/tag/cfo/)