We bootstrapped a shelter check-in system for the American Red Cross in 2008. Bill Gates and Steve Ballmer liked it so much, we won the Innovation Award.

  • 18 Aug 2016
    How to plug the holes in your financial bucket

      As discussed in a previous post, one of the quickest ways to build a financial portfolio that will carry you (and your loved ones) into a successful future is to cut some of the expenses that ...

  • 08 Aug 2016
    What business do banks have in whole life insurance?

    First, a disclaimer: What follows is a regular guy’s very general interpretation of some pretty complex federal financial regulations. Take it with a grain of salt, and if it interests you ...

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  • How to plug the holes in your financial bucket

      As discussed in a previous post, one of the quickest ways to build a financial portfolio that will carry you (and your loved ones) into a successful future is to cut some of the expenses that add little to no value to your life. Some things, such as rent and insurance, are required (though...

  • What business do banks have in whole life insurance?

    First, a disclaimer: What follows is a regular guy’s very general interpretation of some pretty complex federal financial regulations. Take it with a grain of salt, and if it interests you further, do your own research or talk to an expert, which I am not. I’m just a guy who’s spent a boatload of time in...

  • Passive income: the not-so-secret secret to financial freedom

    We’ve all heard the stories: people win the lottery and are broke five years later, famous athletes and musicians file for bankruptcy; and the concept of “high-income poor people.” The fact is, many middle-class Americans are woefully unprepared for their golden years, though they may lead a relatively well-off lifestyle. When we begin our financial livelihood (usually as teenagers),...

  • Digging deeper into insurance as a tool for money management

    Like Penicillin, sometimes the best ideas are discovered by accident. This was the case when I stumbled upon an insurance hack to money management. Up until this point, I’d been mostly talking in hypotheticals, but this turned out to be the real deal. I wasn’t trying to optimize my finances when I bought my participating...

  • Money Hack: Earning money through Insurance

    What if I told you there was a way to spend down your savings and still earn a yield on it? You’d probably roll your eyes and wonder when the sales pitch was coming. Clearly, there’s no way your savings could continue to earn interest if it’s depleted, right? Well, actually. . . . I’m...