How to Read a Form 10-K Like a Pro

Form 10-K

While I don’t talk much about my job as a lawyer here on the Dough Roller, I can tell you this–I’ve read more Form 10-Ks than I care to remember. A Form 10-K is an annual report that public companies must file with the Securities and Exchange Commission (the SEC). And if you are a […]

Published or Updated: April 30, 2011

A Review of the Six Steps to Financial Fitness


There are a lot of wealth “systems” out there. Some are just plain bogus. Others, like Dave Ramsey’s Financial Peace University, are legitimate. Recently, I came across one put out by the FINRA Foundation and the Florida State University. Called the Six Strategies for Increasing Financial Fitness (pdf), this short brochure is designed to help […]

Published or Updated: March 18, 2012

We Are All Consultants Now


In trying to understand the way jobs are evolving, particularly for white collar professions, I find two phrases quite useful: We are all between job searches. All jobs are now contract consulting jobs. “Whoa, wait a minute!” you might exclaim. “I have a steady job!  I’ve been there for 5 years, and I’m a full-time […]

Published or Updated: April 29, 2011

Blue Sky from American Express Review

Blue Sky from American Express Banner

Owning a travel rewards credit card is necessary only if, well, you plan to travel.  All of the rewards are specific to saving on future bookings or even saving on fees accumulated during travel.  The is a general travel rewards credit card, meaning you can book your flight on any airline, stay in any hotel […]

Published or Updated: February 28, 2014

Extreme Couponing is Not Worth the Effort

Extreme Couponing

Working from home, I’ve been brushing up on a lot of television shows I wouldn’t normally watch.  I find that working on the computer all day with a mix of TV leads to excellent production. And one of the shows I saw was an episode of  “Extreme Couponing“.  I’ve written a few posts previously about […]

Published or Updated: April 28, 2011

How To Find A Car Mechanic You Can Trust

Auto Mechanic

Anyone still using the verbiage “What you don’t know can’t hurt you” needs to stop now because it’s exactly the opposite.  Paying someone to complete a job you know nothing about and then trusting them to do the job right is financially irresponsible and should be avoided at all costs.  Auto mechanics are certainly not […]

Published or Updated: April 27, 2011

When Do Medical Costs Become Too Costly for Most Families?

Medical Expenses

Medical expenses can quickly put financial strain on a family. According to one CNN report, 60% of personal bankruptcies were caused by mounting medical bills. Although some families sock away money for a rainy day, medical care in the thousands can wipe out a family’s savings in an instant. At what point do healthcare expenses […]

Published or Updated: February 16, 2013

Gold Delta SkyMiles Credit Card from American Express Review

Gold Delta SkyMiles American Express Card Bigger

Founded in 1924, Delta Airlines is the largest airline operating under a single ticket in the world.  Delta flies to all six major continents (Antarctica no included) and is responsible for more than 4,000 flights each and every day.  If you fly Delta, American Express has designed a line of credit cards specific to your […]

Published or Updated: February 28, 2014

PenFed Offers 4.99% Balance Transfer for Life

PenFed Balance Transfer for Life

While surfing the net yesterday, I came across a unique balance transfer offer that I thought was worth passing along. For a limited time, PenFed is offering a 4.99% balance transfer for 24 months, with no balance transfer fee. Although it’s not a zero percent offer, the fact that the low rate is good for […]

Published or Updated: August 12, 2011