Jacob Lumby

Make money and save money shopping online

How to Get Paid to Shop Online

There are a variety of strategies that can be used to save money while shopping, but the easiest is getting paid cash back to shop online. When you need to make a purchase, you can either visit your local retail store or shop online. There is nothing at all wrong with choosing to shop in-store, but …

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Credit Cards Mastercard in back pocket

How to Build Credit From Scratch

Building credit can be difficult. Without a credit history, most financial institutions will deny your request for credit because they cannot determine how responsible you are as a borrower. But you can’t demonstrate responsible credit management until you are approved for some type of credit. This circular problem has been around for decades, but there are …

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Debt Student Loans

LendKey Review 2018 + $100 Bonus

With more than $1.5 Billion in funded loans to date, LendKey is one of the most promising providers in the student loan space. Offering private student loans as well as student loan refinancing options, LendKey has partnered with more than 250 community banks and credit unions across the United States to emphasize better customer service and …

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Graph Showing Investing with Modern Portfolio Theory

What is Modern Portfolio Theory?

Modern Portfolio Theory (MPT) is the framework behind the investment concept of diversification, which posits that investors can minimize the volatility of their portfolio and maximize their expected return by investing in diversified portfolios of financial assets. Nobel Prize winner Dr. Harry Markowitz introduced Modern Portfolio Theory in his 1952 publication “Portfolio Selection,” where he demonstrated …

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Banking Review

Discover Bank Review: Checking, Savings, CDs + $200 Bonus

Vanessa and I have been Discover Bank customers for almost six years. We maintain bank accounts and credit cards with Discover because the company continues to emphasize quality customer service while offering competitive products. In addition to 24/7 customer support (based entirely in the U.S.A), Discover Bank offers competitive interest rates and generous rewards through a …

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