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AARON MORRIS
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The 0% Credit Card Strategy – Best Financial Hacks
A financial guy on the radio you might know recommends certain “baby steps” to financial independence. Step 1 is to save up a $1,000 emergency fund, and then with that extremely limited financial buffer, you move onto Step 2, which is to pay off all your debts. Only after all your debts are paid off do you finally graduate to

Game Changer — Chase Freedom Flex Credit Card Review
If you are into earning cash back or travel points on your credit card purchases (as you should be), the Chase Freedom card has always been a no-brainer. Cards with high annual fees may offer 4% on certain categories year round, but the Chase Freedom is free, and offers 5% on usually desirable rotating categories, such as grocery stores, gas stations,

Never Spend Your Points on Amazon (or Cash Them Out)
I haven’t always been the Prince of Points, the Monarch of Miles, the Count of Cards, the Guru of Globe-Trotting. Back in the day, I was but a fool, having not yet learned the lesson that you should never spend your points on Amazon. I had the sense to get credit cards with cash back or travel points, just because

Think Twice Before You “Upgrade” Your Credit Card
If your credit card issuer comes along and generously offers you an “upgrade” for an old credit card you have in your wallet, think twice. They may not be doing it out of the kindness of their heart. Way back in 1985, if you can believe it, I applied for and received a card called the Citi ThankYou Preferred (no

The Case of the Thin-Skinned Councilman — Loving the Law
The Facts Our (future) client — we’ll call him George because that’s his name — was retired and looking for something to do. He eventually settled on politics. Not as a politician, but as a gadfly (his word, not ours). He became a fixture at local city council meetings, and would routinely take to the mic to express what a

9 Employment Myths that Will Bite You in the Butt
I spend a good part of my days at my law firm explaining basic employment law to callers, and on occasion I get a caller who tells me I obviously don’t know what I am talking about, because what I am saying is contrary to one of their most cherished employment myths. The sad thing is, I usually get that

The Importance of a Side Gig and Why You Need to Know Your “Hourly Rate”
Remember way back before the pandemic hit, when people would go to restaurants? Back then, Denny’s had a promotion where they were giving away free breakfasts. I saw on the news that at some locations people were waiting in line for hours. And they weren’t homeless or poor. When interviewed, they said they just couldn’t pass up the opportunity to

Why You Need this Credit Card – Discover It Review
I won’t bury the lead. The Discover It credit card is one that everybody should have in their wallet. You may already have this card, because Discover positions it as a starter card, for people beginning their credit journey. If you don’t yet have it, let me tell you why you should, and even if you do, I’ll tell you

The Case of the Man Who Needed Some Tough Love — Loving the Law
Epic Tough Love Every once it a while I get a case that is so epic, it erases and occupies the space of all the legal nonsense I’ve had to endure for the prior five years. The Case of the Man Who Needed Some Tough Love is just such a case. The case involved a loan made by our client

The Case of the Posturing Attorney — Loving the Law
This story is yet another cautionary tale of a posturing attorney, showing that such tactics are unnecessary and unsupportable. It can be hard for some to view a court dispute with the dispassionate eye of a business person looking only at the bottom line. Some attorneys, intentionally or not, fuel the litigation fever with unrealistic promises of what can be

The Case of the Greedy Investor – Loving the Law
“Greed, in the end, fails even the greedy.” — Cathryn Louis As the saying goes, “Pigs get fat, hogs get slaughtered.” Such was true in the case of the greedy investor, who decided he could eke out a little more profit by suing our client. The facts of this case began 34 years ago. In 1986, our clients (let’s call

Making the Law Better, One Crazy Case at a Time
Making the law better. To do my part to make the law better, I occasionally take a case on what I call a “quasi pro bono basis,” meaning that I still charge the client, but at a greatly reduced rate. I only do this when the case presents an interesting issue, and it appears that the system is running over