Wednesday, March 18, 2015


This is a guest post by Eric Rich. Enjoy!

American Express and Target officially launched the Target Prepaid Redcard on Oct. 6th, 2014. Since its inception, it has been wildly popular. In fact, it has been touted by many as a game-changer in the world of credit card rewards. As we approach the product’s six month anniversary, now is a better time than ever to revisit this card, and why you should get one.

What exactly is Target Prepaid Redcard?
--Target Prepaid Redcard is a reloadable prepaid card. Why is this important? One reason. You can load money onto the card with a credit card, thereby earning credit card points/miles.

--Target Prepaid Redcard can be loaded with up to $5,000 per month. That’s 5000 airline miles. Don’t collect miles? With a cashback card like the Citi Double Cash, that’s $100 per month.

--Target Prepaid Redcard is only available for purchase in select Target stores, but can be reloaded at any Target store nationwide. There are no fees. There are no restrictions. There is no red tape. 

1) Target Prepaid Redcard is easy to get. Buy a Prepaid Redcard in a participating Target store. Don’t live near a store? No problem. Buy one online from the premier reseller: Redcard Resales.

2) Target Prepaid Redcard is easy to register. The process takes less than 2 minutes. Simply enter your information on Target's official website. Receive your permanent card a few days later.

3) Target Prepaid Redcard is easy to use. Take your Redcard to Target. Ask the cashier to load up to $2,500 per day, or $5,000 per month. Go home, login online, and bill-pay the money you just loaded back to your credit card.  You just earned 5,000 miles or $100 cashback, for free.

Why should you get Target Prepaid Redcard?
1) You are missing out on valuable credit card rewards. For example, if you had purchased a card in October 2014 and used a 5% cashback card such as the Wells Fargo Visa Signature, you would have earned $1500 cashback to date. With the Chase Sapphire Preferred, you would have earned 30,000 Ultimate Reward Points.

2) They are getting harder to get. People who live in select states where they are available for purchase in Target stores for sale are reporting that store managers are limiting purchases to one card per day. This limits the quantity that are available online for resale. Online resale prices are expected to rise to $100 per card within the next month. It’s important that you act fast and purchase one today.

Ready to get a card? Redcard Resales is extremely helpful. They offer instant online card delivery, 24/7 customer support, and articles featuring how to use the card. Questions? Just ask. They promise to reply back within the hour.

Tuesday, March 17, 2015

Updated on My Credit Score - March 2015

I have a lot of credit cards. Between me and my wife around 30. My score has stayed about the same from last year. With all the cyber crime going on these days, it's especially important to keep up-to-date on your credit score and report. You can get an annual free credit report at, and there are several free sites that will give you a free credit score.

With so many different ways of getting a free credit score these days, there is no reason to get a paid monthly service for your score.

Here is the latest up-date on my credit scores from these free sources: (Transunion and Equifax)

Credit score and lots of credit cards (Experian)
Credit score and lots of credit cards (Experian)
Credit score and lots of credit cards

Barclay's (Transunion)
Credit score and lots of credit cards

US Bank (Experian)
Credit score and lots of credit cards

Citi Credit Card (Equifax)

Credit score and lots of credit cards (Equifax)

Credit score and lots of credit cards

Note: Of course you have to have a credit card with Discover, Barclay, US Bank, and/or Citi to get a score. 

I'm happy with a score that is over 740. Any higher then that does not really improve you ability to get new credit or better loan terms. There is a possibility that I will be purchasing a home this summer so I haven't been applying for new credit cards for a about a month and will not get any new cards until I decide on getting a mortgage or not. Check out other FAQ's about credit cards

Other places you'll be able to get a free credit score from soon: 
  • USAA
  • Chase Slate credit card
  • BofA
  • Capital One

My favorite source to use is because it updates every week and it will give you 2 different credit bureaus scores. 

How often do you check your credit score?

Monday, March 2, 2015

Financial Independence in 10 Years

My goal is to be financial independent in 10 years. Think that’s crazy? Maybe it is. But I have a plan to do it and I’m going to lay it out for you AND you can follow my monthly and yearly progress by subscribing to the newsletter. I share all the juicy details there including income, expenses, net worth, etc.

Why am I doing this?

I think it’s beneficial for both you and me.

Our society tells us how we should live our working life. Get a job, work a 9-5 job, get 'things' that will make us happy, go into debt, pay off that debt and work until you are 70. We are put in chains and don't have the freedom to do what we want to. Don't be a sheep. Change your paradigm and do something different!
Financial Independence in 10 years
Going with the Crowd

You’ll get to follow along to see what is possible in terms of saving, investing, spending, and earning side income. My hope is that it will motive someone to be inspired to succeed financially. 

Tuesday, February 10, 2015

Free $40 for Filing My Taxes

REDcard prepaid by American Express will actually pay you $20 to have your tax refund deposited into their account.

Recently I wrote about an easy way to manufactured spend using REDcard.

This is another an added bonus to having a REDcard. Not only was I able to have my State and Federal taxes done for free, but I actually made $40 this year.  Sweet! Here's how:

 When you file your taxes, you are also given the option to split your refund into up to 3 different accounts. So I had part of my refund go to my wife's REDcard (aka Redbird) prepaid account and the other part go into my REDcard prepaid account.

Friday, February 6, 2015

Buying Visa or Mastercard Gift Cards with a Credit Card

Recently I described the easiest ways to manufacture spend. Once you have read that article and mastered the technique described (it's really not that hard) you may be ready for this article. This method of manufacture spending does take more time and understanding.

I will give all the details in this article. You may want to bookmark this post and refer back to it until you get a hang of how it works.

The Method:

The whole idea behind this method is to buy Visa or Mastercard debit gift card with a credit card. Then to use those gift cards to liquidate them back into a prepaid bank account (Serve, Bluebird, or Target Redcard). Once you have the gift cards liquidated into your prepaid bank account you can pay your bills, mortgage, or simple have the funds withdrawn into your bank account.

So it looks like this:
Visa Gift Card to Cash

Why Even do this?

Friday, January 30, 2015

Top 3 Sites to File your Taxes

Top 3 Sites to File your Taxes

filing taxes

About 80% of American's will get a tax refund this tax season. On average that return will be a little over $3,000. This is great, but it's also very important to remember where that tax money is coming from...YOU! You're getting back some of the money you ''loaned' the government.  

Well, that's not entirely true.

Millions of lower-income earners actually get more money then they gave the government. Not only are millions not paying income tax, but they also get tax credits. 

I should know because as a student I am one of those people (my gross income for 2014 was about $29,000). I paid about $1,100 in State and Federal taxes and I will get an estimated tax refund of $7,700. Isn't that crazy?!? 

Tuesday, January 27, 2015

Update on the Easiest Ways to Manufactured Spend

The best and easiest ways to manufactured spend involve using the prepaid cards REDcard (aka REDbird), Serve, or Bluebird.

NOTE:  If you are not responsible with your credit cards, DON’T bother reading any further.

First off, what is manufactured spending?

Manufactured spending is a term used in the miles-earning and points-earning world. It is also more easily referred to as MS. Typically it refers to buying things that are cash equivalents with point/miles earning credit cards.

Such things might include visa gift cards, money orders, or funding a bank account or prepaid card account with a credit card. Basically, the ideas is buying cash with cash and then using that cash to pay your credit card that you bought it with. When all is said and done, you end up earning 0-2% in miles or points from those purchases.

Wednesday, January 21, 2015

Everything you need to know about Initial Public Offerings (IPO's) - Made Simple

The Ultimate Guide to Initial Public Offerings

About: The Ultimate Guide to Initial Public Offerings (IPO's, including a review of Loyal3).

First off, IPO is an acronym and not worth that many points in scrabble (well, I don't even think acronyms are allowed). But it's a nice picture right?

Anyways, wouldn't it have been nice if you could have purchased Facebook, Alibaba, or GoPro at the IPO price? You could have made a nice chunk of money if that opportunity were available to you. The year 2014 was a big year for IPO's and 2015 may also be a big year.

I want to help make Initial Public Offers simple to understand. So follow along. Here is everything you need to know:

Sunday, January 18, 2015

Cheapest Place To Get Passport Photos

My wife and I will be traveling out of the country this summer and her passport needed to be updated. I just did a little research on where the cheapest locations are and i'd like to share it with you.

Lets go in order from Cheapest to Most Expensive

Friday, January 2, 2015

My Blog Stastics and Revenue

Wanna know the statistics and revenue of my blog? 

I've had my blog for about 3 years now. The first year, I would actually post 8-10 posts a month. Now I've slacked off and only post about 1-2 time a month. Here is a snap shot of my page views: 

Wednesday, December 24, 2014

Cafe Rio, Shell Gas, and Cheesecake Factory

UPDATE: Cafe Rio and Cheesecake Factory no longer available. 

Merry Christmas everyone! Hope everyone is enjoying this time of year and not getting too caught up with all the hustle and bustle and gift craziness...but here are a few last minute deals I have taken advantage of that I thought I would mention:

1. Cafe Rio (one of the best foods on the planet!) has a promotion going on right now. When you buy a $25 gift card you get a free $10 gift card. This is great especially since they almost never run promotions or have coupons. That's essentially 30% off. I asked them and they said you can get this deal online as well, but there is a $1.95 shipping fee and you won't see the free $10 certificate in your cart, but you will receive it in the mail. Deal is good until Christmas tomorrow so act fast (maybe they'll extend it though)! I stocked up for the whole year:)

Saturday, November 29, 2014

My Small Business Saturday experience

I wrote about Small Business Saturday a few weeks ago HERE. Well, today was the day and I thought I would share with you my experience.

I exclusively went to restaurants that I've been to and like and I only purchased gift cards/certificates. Here's a picture of my loot:

  • $40 at "The Place" - breakfast restaurant
  • $50 at "Lamar's" - donut shop
  • $20 at "Chino Bandido" - asian/mexican food
  • $40 at "Macayo's" - mexican food
  • $100 at "Barros" - Pizza
  • $50 at "Pier 83" - Fish and chips
  • $30 at "Caramba's" - Mexican food

Total: $330 in free food!!! Better than any Black Friday deals by a long shot. 

The only downside was that it took about 2 hours to run around everywhere, but well worth it I think. 

Tuesday, November 4, 2014

Free Stuff - Small Business Saturday

Registration starts today (Nov 16th).

Every year American Express runs a promotion on the Saturday after Thanksgiving called "Small Business Saturday". This year that falls on November 29th. You MUST REGISTER your card before you use it on Small Business Saturday. Registration for that begins on NOV 11th and it can fill up so doing it sooner than later is best. I'll post a link on Nov. 16th to where you register your cards, so check back then!

Monday, October 27, 2014

The Cost of NOT brushing your teeth

I'm a dental student/soon-to-be dentist, so I thought I would write a post about the cost of dental work. Like many things in life, most people don't think about how much dental work costs until they have a problem and they are at the dental office. You're smarter than that though right?

I want to just give you an example of the progression of dental decay/cavities and average associated costs

You have a cavity! - cost: about $150.

                                New White (composite) filling

Monday, October 13, 2014 - Free Full Credit Report

With all the breaches in credit and personal identity information recently (Target, Home Depot, Chase, Kmart, etc.), it is very important to monitor your credit. I've mentioned several ways to keep track of your credit score and report and where to get those scores and reports for free in some of my past posts. (i.e Free Credit Scores, Free Credit Score)

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