ING Direct Orange Savings Promotion Codes – Get a free $25 and a sweet savings account.

November 23, 2009 1 comment

My favorite financial blogger, Ramit Sethi, has an unbeatable system of managing and automating his finances. Ramit sets up accounts within his bank account for his house down payment, future car repairs, and even for his future wedding (he doesn’t have a girlfriend yet) and direct-deposits portions of his paycheck directly into these accounts. More on this topic can be found in his post: How I’m saving $25,000 in 2009.









Thanks for the photo, Ramit.

He uses an ING Direct Orange Savings account, which allows you to do this—make subaccounts to save for specific goals, get a very high APY (1.3% currently), and not incur any fees ever. Compare this to your Wachovia/Bank of America/Whatever College Savings account…the account management sucks, the APY is next to nothing and one overdraft fee can be $35 (effectively cancelling out any amount of interest you may earn).

If you want to start up an account and get a free $25 for being referred, all you need to do is transfer $250 out of your current bank account into an ING one. It takes around 5 minutes.

Get the free $25 with these links:]%81%82%88%83%82~||%80~%84%88%84~%b4{%84}%81

I will find more links as they get used up and put them up on this site.


Passive Income

What I just did in the above paragraph is an example of a very simple way that a blog can earn you passive income. I receive $10 for a blog subscriber that opens an account with one of the above links. There are little opportunities like these all over the internet if you look hard enough. I encourage you to post referral links of your own and start making some easy cash.


Got another good way to earn some passive income on the side? Leave a comment.

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The Baltimore Ravens have a problem: The Pass Rush.

November 12, 2009 Leave a comment

Ravens D-Line

While everyone is quick to jump on the corners and our kicker, no one ever seems to talk about the Ravens pass rush.  The pass rush is the reason Carson Palmer has 10 seconds to throw.  I could get open on any corner in the league if I was receiving a pass from a great quarterback with TONS OF TIME TO THROW.  

Even though our D-line should be one of the best in the league in terms of how much we are paying them/how they used to play, it is playing extremely slow and uninspired.  

We all know the potential our defensive line has because of its success in previous seasons.  Will John Harbaugh be able to bring it out of them or is the core of our defense getting  too old?  Trevor Pryce is 34 while Kelly Gregg is 33 and Justin Bannan is 31.  Where has Terrell Suggs been since he was paid?  Ray Lewis is 34 but he has still been playing out of his mind.

I don’t know enough to say that it could be our lack of blitz schemes from other positions that is making the line tired (do we miss Rex Ryan?  Still, no one wants to say it!), but there is no doubt that the nonexistent PASS RUSH is the primary reason the Ravens are getting killed by good quarterbacks this season.

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November 12, 2009 Leave a comment

Testing to see if my posts will automatically “tweet” on twitter.  It’s probably a good idea not to follow me.  And Lizzi has spotted gray hairs on my head.  I am 22.  My parents didn’t have much/any gray until they were 40.  Anybody know what is wrong with me?

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CPA Prep

October 14, 2009 Leave a comment

I am going on my 6th week of preparation for the Financial section of the CPA Exam and  I think my brain is starting to overwrite information that I learned the first couple weeks.   

I take the 4 1/2 hour Financial exam on Thursday.  This post by Putra has definitely eased some of my fears about the grading process.  I’m pretty pumped that a 75 (passing score) isn’t a 75%….he says the examiners use a grading process called “equating” and that it’s possible that a 50% will get you a passing grade. 

Also computer-based exams are awesome–  if you mess up a calculation on a simulation (a 40-minute long situational problem), the computer won’t carry on your mistake to future calculations that are derived from the incorrect one…this gives me hope.        

I am most likely jynxing myself by saying this, but I am starting to think that the rhetoric people use when speaking about this exam is very similar to the negative tone that people use when telling you about a tough class.  I learned in college that no matter what class you take, as long as it is reasonably challenging, fifty people will tell you how hard it is and that you are going to get dominated. 

I’m putting my money on the fact that this test is like everything else in life.  People are going to try to tell you that “so many people fail the first time” and the like.  But as I learned in college, there may be nothing that is ever as hard as people will make it out to be.

I’m throwing around the idea of studying for only one or two weeks for the next section I take, Regulation.  Cramming got me through college anyway, why not the CPA?  I figure it’s only a $200 exam fee risk at this point.  I can easily make this money back by betting on the Ravens. Anybody want to tell me if this is a good or bad idea? (not about sports betting the Ravens, because I already know it’s a great idea)

If anyone has done this in the past, I would really appreciate a tip or two.

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Ravens show they may not be a championship-caliber team.

October 11, 2009 Leave a comment

Ravens lose to the Cincinatti Bengals 17-14.

The Ravens played like garbage today.  Cincinatti could have put this game away in five or six different situations.  We were given gifts in the form of dropped passes and Cincy penalties all game and we couldn’t capitalize (as well as a DEFINITE Mark Clayton fumble run back for a touchdown that was called back).

Domonique Foxworth might be the most overpaid cornerback in the NFL.  Ochocinco tore him apart (46 yards in the first two minutes).  Our offense looked like one run by Kyle Boller, consisting of fifteen or twenty 1-5 yard passes.  Gaither was greatly missed today, as Flacco was consistently pressured. 

No one wants to say it, and everyone is coming up with great excuses, but the Ravens defense isn’t the same as it has been in years past.  It kills me to say this, but maybe we really do miss Rex Ryan.  Ed Reed finally had a Reed-like game, but the corners are a step behind and the pass rush is strangely slow. 

Domonique Foxworth gets burned by Chad Ochocinco.








Ray Rice’s performance was the one bright spot of the day.  He has shown that he can be the guy that can single-handedly win a game for us when the chips are down. 

I said it at the beginning of the season, and I stand by it now.  Ray Rice and Willis McGahee are fantastic backs.  However, they do not wear a defense down like big boy McLain did last year.  The Lorenzo Neal FB – Le’Ron McLain HB tandem was a devastating combination and I guess we will have to simply make do with what we have now.  Rice has big-play ability, but he cannot punish defenses to the point that they can barely stand at the end of the game like McLain could.   

I know this could be looked at as simply a bad loss, but in my opinion, many of the Ravens’ weaknesses were exposed today.  Hats off to the Bengals coaching staff for a very well-coached game.  Our offense will bounce back and will get us to the playoffs this year.  But we need the defense to return to form if we want to compete for a Super Bowl.

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Ravens vs. Chiefs thought

September 14, 2009 4 comments
The Baltimore Ravens beat the Kansas City Chiefs 38-24 in the season opener, setting an offensive record of 501 total yards. 

Now, WHAT was with the Ravens final offensive play?  Not one person I have asked has been able to answer this question:

Ravens 31, Chiefs 24, 4th and goal, inches from the goal line with 30-40 seconds left to play:  A field goal would have sealed the deal, as a 10-point deficit could not be overcome in the seconds that would remain.  Instead, we opted to hand the ball to Willis McGahee to run it in for a touchdown. 

Think of this for a minute: had McGahee not crossed the goal line, and we turned the ball over on downs, the Chiefs would have 20-30 seconds to put together a counter-attack.  Of course it is unlikely a hail-mary drive would have succeeded, but why give them the chance?  A 17-yard field goal historically has a 99+% chance of going in, whereas a goal line run has a substantially lower success rate.  

It is also curious that the consensus spread on the game was Ravens +12 1/2, which was covered by that final run– it would not have been had we kicked a field goal.  Maybe Coach Harbaugh was trying to help the hometown fans win their bets!?     

In the end, it was a good win for the Ravens and a good building block for the rest of the season.  I thought Joe Flacco tried to pull a bit too many Brett-Favre-esque squeezes that could have been intercepted, but the best way to learn is from your mistakes and I am confident that Joe Cool will keep improving on them.

McGahee vs. KC

[EDIT: I have the utmost confidence in Coach John Harbaugh’s integrity.  I am just speculating, and in my opinion this was just coincidence.]

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The first real post.

June 29, 2009 Leave a comment

One thing I picked up from Tim Ferriss’s speech How to Build a High-Traffic Blog Without Killing Yourself is to only write what you are passionate about.  He says that whenever he blogs about something he is intensely happy, sad, or angry about, or about something that he  genuinely believes in, the post is good and more-often-than not gets more hits.

I would go as far as to say that the only good things I have written have come when I am deeply passionate about the topic or situation. I’m going to try to blog only when those topics/situations arise.

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