Matt Cowan

5 Easy Ways to Save on Dining Out

Dining out can strain any household budget.  In 2017, the Bureau of Labor Statistics reported the average household spent approximately $250 a month or $3008 a year eating out.  If you do not know your monthly spend, then take a look.  Your dining out habits could be killing your financial future.  Here are some tips […]

Opportunity: Honey Nut Cheerios and A Star Wars Story

David Phillips is an icon when it comes to identifying opportunity and acting to earn max value out of food promotion for airline miles. In 1999, this civil engineer ran across a ConAgra promotion to redeem 10 UPC codes for 1000 airline miles or 1 UPC for 100 miles.  To his credit, he researched and […]

3 Reasons I Like Credit Freeze

Equifax is one of the three major credit reporting agencies.  These companies gather your personal information, package up the data points and then sell it off to marketers or stratify it into a credit score.  In September 2017, Equifax allowed the data for 143 million people to be stolen.  Many people reacted by responding with […]

Alaska: Alyeska Resort Hotel For Less

Located in Girdwood, Alaska, the Alyeska Resort offers majestic views of the Cook Inlet cutting through the Chugach mountain range that are quintessential Alaska.  A visit in the summer for a hike to the top is highly recommended.  A trip in the winter for skiing will be a top-rated experience with short lift lines and […]

When did federal income taxes begin in the United States of America?  We can thank President Lincoln and Congress in 1861 for getting the ball rolling by imposing a 3% federal tax on incomes over $800 to fund the civil war.  Jump ahead to 1913 and we get the passage of the 16th amendment, the […]

2 for 1:  Roth IRA As An Emergency Fund

The mantra of personal finance books and financial personalities is to fund an emergency fund with $1000 initially and then up to six months of living expenses.  This is rock solid advice with the final amount for your rainy day fund dependent on job stability.  Traditional advice directs a person to put that money in […]

Hong Kong Airport to Shenzhen By Ferry in 5 Easy Steps

The Hong Kong International Airport (HKIA) is a powerhouse as the number one ranked airport in cargo traffic.  It had 71 million passengers that traveled through the airport in 2017 to earn the ranking of eighth in the world for passenger traffic.  Upon arrival from this busy hub, some travelers head to Shenzhen and my […]