Well the inevitable happened, I got Covid 19. When my mom found out she was not very happy. “You know this could have easily been avoided had you not been going out all of the time.” “Sorry mom but what do you want me to do, stay holed up for months on end? I need to breathe too.”

So there I was driving back from the testing center knowing very well the plan of action for the next 10 days now that the CDC guidelines have shortened their timeframe for quarantine. “Ahh this will be a breeze” be in the…

So we all know the fact that your money can work harder than you can, and in my case this is a case that is supercharged. I mean this is more money than I have seen enter in my account, on paper, of course than I have seen in my entire life, and by a long shot.

Now the actual reaction of seeing that much extra money in my account was exhilarating for all of about 10 seconds, and then it was like “ok time to move on.” The feeling is comforting that that much extra money is in my…

Now before you criticize me I have to say that there is a disclaimer that comes with this, and that is you need cashflow for this to actually work otherwise you can throw this advice out the window.

Now you might be thinking this guy is crazy to not keep cash on hand just in case of an emergency, and in a lot of cases you would be right, but I am here to offer readers a different aspect on viewing money. I have a very good reason for not keeping any cash in my bank account.

The first reason…

Now by reading the title of this story you may think I’m a bit crazy, but let me explain my logic before you jump to conclusion thinking that this is a bad idea. Also let me tell you right off the bat that this works better if you have cash flow coming in.

So on to the big question, why I use my credit card as my emergency fund. Well the long story short is market gains. You see if I kept cash in my checking account it is just sitting there losing value to inflation, and I have done…

Tesla’s are hands down amazing. The car gives one a driving experience like nothing before. The instant torque, the fact that you can drive it with only one pedal due to the fact that it has regenerative braking. And dear god the styling of the cars. I mean its no wonder there cars are “S3XY.” Did I mention the fact that you would be saving so much money on not having to fill up on gas or that because of the regenerative braking you do not have to worry about changing the brakes, mainly because you never use them to…

So this topic is somewhat of a double edged sword if you will. Why? Because you can live without it but you can’t really live without it. Confused? Let me explain.

For one having a credit card is extremely important in this day and age because without it going through life will be very difficult without it due to the fact that it builds credit history and makes it a lot easier to get a loan. On the contrary to this there are loads of people also who would benefit by not having a credit card due to the fact…

When the world started to close down mid-march a lot of uncertainty was in the air for millions of people. The stay at home order meant millions of businesses went belly up and had a trickle down effect to the employees losing their jobs. Now a lot of industries were affected negatively in this pandemic, however the tech sector paints a very different picture in this respect.

Now a lot of jobs that employ Americans today are ones that cannot be done from home. The restaurant industry, construction, manufacturing and so on, which is also mainly the reasons so many…

It was the Summer of 2014 when I took my first online class, Computer Science 101. Now taking this class online was the only option that it gave me, and the only reason I was taking Summer classes was because I needed to get my grades up.

So as I was taking this class there really was no teacher there. I could email him with questions and what not, but for the most part I was on my own. Now I was lucky to have a tutor help me because without him I would have most probably failed the course…