The Complete Ally Bank Review – Is It Right For You??

The Complete Ally Bank Review - Is It Right For You??

  About 4 months ago I posed the question, “Is it Crazy to Switch to Ally Bank… Exclusively?” Well, as it turns out, making the switch to Ally wasn’t crazy – it just brought with it some new adventures. Some good, one bad, and a few unexpected. So today I’m here to download my complete Ally Bank review so that you can determine if it’s right for your personal finances.   The Complete Ally Bank Review – Is It Right For You??   To make sure my Ally Bank review is fair and impartial, I listed the following pros and cons exactly as they appeared in my head. Also, no brick and mortar banks were harmed in the writing of this review.   [SPOILER] – I’m really glad we made the switch, but there’s one issue I’d like to change.   Let’s dive in!   Pro – I love the […]

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“911 is on the Way, Placenta Ruptured, Don’t Know About Baby…”

“911 is on the Way, Placenta Ruptured, Don't Know About Baby..."

  “911 is on the way. It looks like her placenta ruptured and I don’t know if the baby’s going to be OK…”   It took a full moment for the gravity of those statements to sink in. I was just coming back from lunch and aside from the phone in my wife’s hand and the look on her face, all seemed business as usual. We had patients in chairs, staff working their usual jobs, and folks in the lobby all presently uninformed to the fact that 2 lives were in danger.    ‘Grave danger?’    ‘Is there any other kind?’     But in just a few moments, that scene would change…   “Got it. What can I do?”   And as I waited for my wife’s response, I looked over her shoulder and saw a friend, colleague, one of our original 2 employees, and most importantly a 35-week […]

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Crazy Yield Curve, Scary Recession, and How They Matter to You

Crazy Yield Curve, Scary Recession, and How They Matter to You

  Today we’ll cover the current economic conditions, what they mean in the grand scheme regarding the next recession, and how they have the ability to impact your personal bottom line.     Oh, how the economic indicators are signaling the next recession   Alarm bells, sirens… you know the drill. All signs are pointing toward a recession, and unlike a year ago, now we have some estimate on when the next recession will hit. But first, the indicators:   The Yield Curve – here’s what normal looks like     The yield curve shows you that when you loan money to the U.S. Government (via buying Treasury bonds), what interest rate you should expect to receive based on how long the term of your bond is. In the example above, if you buy a 5-year bond, you should expect a 2.9-ish% interest rate.   The curve almost always slopes […]

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Back and Better Than Ever!! Summer Updates and Changes Ahead

  You know – a little time away really enriches the writing soul and makes one remember how much they miss the exercise.   Translation – I’m back from my summer break and I’m really excited to be back and writing again!    It’s really been a great summer away! We’ve made some great memories, made some progress on our business, and learned a few financial tidbits as we’ve enjoyed the local pools and splash-pads. Here are a few updates from my time away from the blog:   After pregnancy, the newborn stage, and getting our business off the ground (while I was working a different full-time job), I can say that it feels great to be able to adventure together and share some great memories as a family this summer! Pregnancy really knocked my wife out the last go-around and without the stress of moving our dental office or […]

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It’s a Summertime ‘Mike’ Drop – See you Soon!

  Hey, Team!   I interrupt your regularly scheduled programming to say that MikedUp Blog is going to be out on sabbatical for the remainder of the summer   After writing, publishing, editing, and sharing 3 posts with you each week (at a minimum) for the past year, I’m taking some much-needed downtime to do a few things… Spending time with my girls and family Beach volleyball Work on our business Vacation And actually spend what seem like the first moments of true ‘downtime’ I’ve had in a few years   I’ll miss you guys for these few weeks, but if you’re still looking to connect – I’ll be checking the email regularly and yes… I’m back on Twitter.   I’m looking forward to spending some time learning and experiencing so that I can come back recharged and ready to write articles that engage you, make you think, and hopefully […]

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My Best job; My Worst Job – and What I Learned From Each

…Server, landscaper, men’s fragrance salesman, dock worker, restaurant expediter, ballpark vendor, childhood entrepreneur, big kid (adult) entrepreneur, quality supervisor, grad student researcher (I know it’s not really a job but it was – at times – incredibly fun work), teaching assistant, forensic scientist, restaurant host, laboratory technician, auditing manager, telemarketer, training director, and now CEO. These are all positions I’ve held at one time, and if we’re playing former job BINGO, as a 32-year-old, I like my chances…   (Photo courtesy of MKulp Photography)   What’s more, reflecting back on all of these opportunities a couple of things come to mind first: I’m lucky to have had so many vast experiences across so many industries, and I really didn’t have any idea what I wanted to do with my life, did I?   The good news for me and the fam’ is that I have a pretty solid handle on […]

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Entrepreneurship Uncensored – The Good, Terrible, and… Bankruptcy?!?

Actually owning a business - The Good, Terrible, and... Bankruptcy???

  Two years ago we pulled the trigger on something crazy… Something that would change the course of our family’s financial future in a significant way – good or bad. My wife and I bought a dental practice on June 30, 2017, and in the time since that purchase we’ve learned, grown, sobbed, soared to new heights, and everything in between. Owning a business isn’t a walk in the park…   This is the story of that journey, probably in it’s best iteration – told nearly entirely through GIFs.    They say a picture’s worth a thousand words. Well, these GIFs are made up of a few pictures each, and there are about 30 of them so – I’ve got about 100,000 words down here. Enjoy the ride!   (Photo courtesy of Justin Montemarano)     Actually owning a business – The Good, Terrible, and… Bankruptcy???   My wife never […]

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What is a Reverse Mortgage, and is it Right for You?

  Still asking, “What is a reverse mortgage?” Well, so was I… I’ve seen the commercials, and while Tom Selleck’s mustache is ‘on point’, does he actually have any clue what he’s talking about?     It always gets me seeing these wealthy actors trying to relate to “the common American” as they discuss the financial decisions “all of us have to make”… I mean, c’mon, Tom – we all know you’ve been on either Magnum PI or Blue Bloods for the past 45-ish years. Don’t come at me trying to make us think you’ve actually considered a reverse mortgage, let alone actually know what one is and how it works.   But that mustache… Any man with that capability surely has at least some of his ducks in a row.   So while I honestly had no clue what a reverse mortgage is, I had to enlist some guest posting help. Melissa […]

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Science Explains Why the Debt Snowball Will Make you Debt Free

  I was an early adopter (in my peer group) of Dave Ramsey and his snowball method some 10 years ago. My wife and I were just two kids – young and in love – and like most young couples in 2008, we had what we thought was a ton of debt… Little did we know the actual mountain of debt that would await us just a few short years later (but that’s not completely relevant here) ;).   So when I rented the Total Money Makeover and took it with us on a vacation to Mexico (are you seeing the irony here???), Dave’s book changed our lives for the better when, financially speaking, we were at a major fork in the road.   Until now, I never really sat down to analyze why the Total Money Makeover worked for us, I just knew that it did (and for many […]

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Can You Buy a House And Have Student Loan Debt…?

Can You Buy a House And Have Student Loan Debt...?

  Baby I’m a rebel… Soul Rebel.     What I mean to say is that I don’t mind bucking a few trends or commonly held beliefs from time to time. One of those bucked trends was us buying our home while already under a mountain of student loan debt.   We had our reasons and we wouldn’t change that decision if we had the opportunity to, but many others would strongly advise against such a choice. For example, trying to decide between paying off the mortgage early or investing – I can see both sides.   Same goes for buying a new car vs. leasing… I hear both arguments. Although late car payments are becoming a frightening trend these days.   In any case, there’s an argument to be made. And today’s battle is no different. My friend, the Debt Free Dr. is here to give us all the […]

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