Money Making(and saving)Tips

If you like to shop online, watch videos, search the web, take surveys and find great deals on the web, then you should check out Swagbucks. Swagbucks rewards you in points(swagbucks) to do the things you normally do online. Points can be redeemed for great gift cards. Every 100 points equals $1 value and there are gift cards as low as 100 points(keep in mind you get what you pay for and better cards become available at 500+ points. This is a legitimate site to make money. People claim to make over $2000 a year easily.

In my search for the best interest rate online accounts, I found an online savings account that has an APY of 1.10%. There is no minimum deposit required to earn this rate. Discover online banking offers a high yielding savings account and other services such as checking, CDs, money market and even IRA accounts.
Synchrony Bank goes a bit better at 1.15% APY. I know what you're saying. Why give two different banks with different APYs? I mean it's obvious that Synchrony should be the choice hands down. I tend to use one as an emergency fund where I'll withdraw money if needed. The other I use as a nest egg and not touch it until later in life. But you do what works for you.

Still living paycheck to paycheck? Here are ways to spend less and save. The ones that have helped me big time are not keeping up with the proverbial Joneses, to hell with what your friends, family or neighbors have. Putting money religiously aside in a savings account weekly. I live below my means and I live in a cheaper apartment. Out of everything else, I learned to cook. That is a money saver and more nutritious if you buy your meals at work.

What should you do on a Monday and never on a Thursday? Buy gas! You've been warned.

Sure Thing Investing

When I wrote this I had bought EXEL at under $4. Today it is at $21.69! What a profit, huh? But as with most investing, I seek long term gains rather than quick fixes. I love penny stocks that rise and the ones that pay dividends are wonderful.

My next winning stock pick is one that pays dividends and has increased but has also decreased at 'heart attack statistics' as I dub them. My next penny stock pick is Navios Maritime Holdings. You will need to buy at least 200 shares and you may win hundreds and lose some. But in the long run it pays dividends and is a strong pick.

Currently, 200 shares will cost less than $200 but keep in mind this stock will win and lose, but provide financial gains in the long run!

Reassessing Your Finances

Do you really need a budget? Some tend to say that a budget isn't really needed. I do believe that everyone is different, and if you are in debt, you should probably have a budget. Budgets should be flexible, since some things can change.




A good way to reassess your finances is to overhaul your financial health. If there is a way, try to earn extra cash. Never miss ways to make extra cash. It will always help in your retirement.


If you aren't doing your banking through an online bank, you definitely aren't getting a great APR rate. Go to Barclays, and get a great rate on savings and CDs. Although it claims 1.00% APY, if you sign up for a Retirement account the rate goes to 1.05% APY. Barclays also rewards you at the end of the year if you don't withdraw any money you put in. You can go right to 1.05% APY in a savings account at GS Bank. The 1.10% APY 12 month CD is a great rate for a short period. As far as checking, Charles Schwab




If you are investing for the future, you know the importance of a diversified portfolio. Can you be losing money because your portfolio is too diversified? I fell into this trap when I was starting out.
Investing should be involved in any financial issue. Start with as little as $1000 and learn how to do it.

For a great resource planner in all financial matters, Personal Capital has many tools to manage your finances and plan for your retirement.