On this page you will only find products and companies that I know, like, and trust. These are products that I use or at the very least have used in the past. I do a lot of research to find the best product and service at the best price. Some of these companies happen to offer commissions for online referrals. And some don’t. This doesn’t affect my choice, but where available, I used the right type of link so that this blog will get a small commission if you end up becoming a customer. It’s a nice and fully optional way for you to support this blog if you choose to do so. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals. If you do decide to become a customer, I thank you in advance for your support, and helping to keep the lights on.(oh, and the logo’s also contain links)
Financial Management & Tracking
Personal Capital – FREE software that helps you see your checking, savings, investments and retirement accounts in one secure, convenient place. Just sign up and link your accounts. This is a great tool, especially when it comes to tracking your net worth. It’s likeMint but on steroids. I have used both, but I prefer and love Personal Capital.
Not sure if it’s right for you? Check out our review here.
TD Ameritrade – They are hands down the best broker for the retail investor. TD Ameritrade provides a number of investing platforms that are more robust than any other platform I have ever used. My particular favorite is the “Think or Swim” platform. Their published commission rate is a little high at $9.99 for unlimited shares, but this is negotiable. To give you a little insight, I pay a penny per share when buying and selling stock. I also only pay $0.75/contract when buying and selling options with no minimums. Oh and did I mention that they have over 100 ETFs that you can trade commission free?
They also provide a ton of educational resources that are again all free to you. Before I officially made the move over to TD Ameritrade myself, there was a time that I signed up for an account just to get access to all of the free tools they provide.
You will also have access to stocks, options, futures, and forex all on a single platform. And if that wasn’t enough, TD Ameritrade will let you trade commission free for 60 days while you test drive the platform and they will give you up to $600 for rolling over your other accounts.
Prosper – With peer-to-peer lending you now have the ability to be the bank. Prosper provides investors direct, low-cost access to high-yield consumer loans from creditworthy borrowers. I am sure the banks are not happy to have one of their cash cow businesses be disrupted by a company like Prosper. But now you get to be the bank.
- You can invest as little as $25 per loan.
- You get to choose the credit risk. Obviously the higher the risk the higher the return.
- You get to choose between 3 and 5 year loans.
- You get to earn better than the 0% interest rate the bank is paying you on your savings account.
- You get to set up a passive income stream. Prosper handles all the collections for you.
Fundrise – Performance is the ultimate measure of any investment model, and Fundrise is already hard at work building a strong track record. Fundrise investors earned a weighted average return of approximately 13.0% across all investments during 2015. Meanwhile, the S&P 500 returned 1.37% during the same period.
- They have over 100,000 members with $525,000,000 of real estate under management.
- Their minimum investment is only $1,000 (a great way to get started in real estate if you don’t have a lot of cash)
- They have lower fees than traditional REITS
- They have a redemption program that provides quarterly liquidity
- On some of their eREITS as they call them, they even pay investors a penalty if a certain return is not met
- They have a robust filter for finding the right investments.
“Quality real estate investments are inherently scarce. Fundrise uses predictive analytics and proprietary due diligence technology to review a large volume of deals while maintaining our standards. Of the 2000+ projects that we reviewed in 2015, fewer than 2% were approved.” – Fundrise
Dropbox – This is my go to storage application for the cloud. You get 2BG for when you open up your free account. And you can get an extra 500MB for each person you refer who opens up an account (for a max of 16GB). It’s great to be able to access my files anywhere, anytime, and on any device.
Amazon – I order just about everything from Amazon, not only because they are almost always the lowest price, but with Amazon prime I also get free two day shipping as well as the following: 1 Million ad free songs, instant streaming of thousands of TV shows and movies, Free unlimited photo storage in the cloud, and free books for Kindle.
Raise – Find discounts on brand name stores, local restaurants, and more! This is my favorite app for getting discounts on gift cards to restaurants that I was already going to go to. On average you can expect to save 20%. You can also sell your unused gift cards on Raise.
Bluehost – This is the hosting company that I use for this blog. It is stupid cheap and the customer service is amazing. The normal price is $5.99/month, but if you use this link you will get a 34% discount. I think it took me less than 5 minutes to buy the domain, install wordpress, and get the first version of this site up (click here for a step-by-step guide in setting up your first blog).
Audible – If you don’t have time to sit down and read a book then Audible may just be the solution for you. Now you can download books in the audio format that you can listen to in the car on your commute to work, during your workout, walking your dog, doing chores around the house, the possibilities are endless. Click the banner below to get your first two books for free.
Health & Fitness
I believe that fitness is a very important, because without your health you won’t live to enjoy your wealth.
These are the best workouts I have ever done in my life (and I did them in the order they are displayed). The transformation photos that I included above are a direct result of doing all 4 of these programs over the course of 270 days. I had gained about 50 lbs since graduating college and weighed 240 lbs with 27% body fat before I started P90X. After my first round of P90X, which was 90-Days, I had lost 25 lbs and dropped my body fat level down to 14%. I immediately started P90X-2, also a 90-Day program, and was able to drop another 10 lbs and again my body fat level dropped to around 11%.
Insanity is a 60-day program and The Asylum is a 30-day program. I used these two programs to comprise my 3rd consecutive 90-days, and at the end I had gotten down to 187 lbs with about 8.5% body fat. Needless to say I was hooked on these programs and have been an evangelist for them ever since. I even went as far as getting custom licence plates that say “GET P90X”. I know, I am a nerd.
I don’t know anyone who has attempted and completed one of these programs that didn’t get extraordinary results.
There are only two supplements that I use on a regular basis and they are Shakeology and P90X Results and Recovery Formula.
P90X Results & Recovery Formula: This one does exactly what it says it does. It helps you refuel, re-energize, and reduce muscle soreness. It is had been formulated with the optimal ratio of four parts carbs to one part protein ensures speedy muscle repair after intense workouts! I don’t take this one daily like I do Shakeology. I only use it when I deserve it after a very intense workout.
Shakeology: is literally the healthiest meal of the day. It is packed with ingredients derived from whole-food sources that deliver the daily vitamins, minerals, and other nutrients your body needs. Contains more than 20 different antioxidants and phyto-nutrients that help reduce free radical damage that can lead to heart disease, heart attacks, high blood pressure, and stroke. It has Fiber, pre-biotics, and digestive enzymes that help your body gently eliminate toxins more efficiently and promote better absorption of nutrients. And is packed with protein and essential amino acids that help build muscles and reduce food cravings.
BowFlex 1090 SelectTech Adjustable Dumbbells: These are the only dumbbells you will ever had to purchase. With the 1090 model you are able to have a pair of dumbbells starting at 10 lbs and all the way up to 90 lbs on each side. It takes 3 seconds to dial in the weight and then just lift the weight off the racks. You don’t need the selecttech dumbbel stand, but I recommend it. it will keep you from hurting your back.