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. 

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