David Cruz

83 Added | 7 Magazines | 2 Likes | @davidcruz235 | Keep up with David Cruz on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “David Cruz”

8 things every modern gentleman needs to stock the perfect home bar

Let us help you cut through the chaff and make a functional, serviceable bar that will enable you to make exactly what you like — no more or less.

Cocktails

Burned Out? 12 Powerful Ways To Transform Your Life

You know the feeling: It’s 10 a.m., you’re jittery from that third cup of coffee, and your mind feels like glue. You’re drained -- physically, mentally and emotionally -- and dispassionate about things that once brought you joy. Motivated? Forget it. Irritable? You betcha. All regards for personal …

Self-improvement

People Spend More Money On “Free” Apps Than Paid Apps

My buddy Paul has been teaching himself how to code so he can develop smart phone apps. His plan is to develop a bunch of paid apps to create another …

How to Consolidate Your Debt

<b>What are the Best Ways to Consolidate Your Debt?</b><p>Debt sucks. When you’re in debt you just don’t have any control over your life. Rather than working …

How I Cut My Home Insurance Bill by $734

<b>Shopping around for home insurance quotes saved me 54 percent…that’s an extra $734 in my pocket!</b><p>How many times have you heard that you should always …

How to Keep Young Kids Entertained Without Spending a Penny

The other day Alexa from Single Mom’s Income shared some of her favorite inexpensive ideas for keeping young children entertained. Some of her …

How to Handle Financial Setbacks

Have you had months like this? This month, thanks to a number of extra jobs, I earned an extra $750 that was not budgeted for. Woo hoo, I thought. …

Tips for First Time Home Buyers

Buying a home can be a daunting process. I’ve been through it twice now so I figured it would be good to share some of the things I learned along the …

Should I Pay Off My Mortgage Early?

<b>Is paying off your mortgage early a good idea or a mistake?</b><p>The other night we went to our neighbor’s house for dinner and while the kids played video …

7 Killer Resources for Bloggers and Freelance Writers

I’m a stay at home mom. I spend my time cooking for my family, cleaning, and homeschooling my three children. My days are busy, but being a mom isn’t …

Woman Ticketed For Driving With Google Glass Pleads Not Guilty

It’s hard to read, but the driver was cited for “Driving with Monitor visible to Driver (Google Glass)” (Source: Google+)<p>Back in October, a …

Bank of America says Bitcoin could become a 'major means of payment'

Analysts at Bank of America Merrill Lynch issued the bank's first research report today on Bitcoin, the virtual currency that approximates cash on the internet, concluding that the currency has the potential to become a "major means of payment for e-commerce" as well as a "serious competitor to …

The Insanity Of Bitcoin, Explained

There’s no better way to appreciate the trippiness of the digital currency Bitcoin than this hallucinatory animated video.<p>If you’ve been paying attention to the news, you might have heard that digital currency Bitcoin is currently the talk of Wall Street after skyrocketing in value to trade at over …

Bitcoin

JLo's Dad Lends A Hand In Silicon Valley

<b>@giorodriguez: The co-founder of Manos Accelerator knows a thing or two about startups. And the Valley is listening.</b><p>It’s not his first “startup.” And if he has his way, his new venture will create many more.<p>It’s a sunny Friday afternoon in California, and I am having lunch with David Lopez — father …

The Best Whiskeys for Guys

2013 Whiskey Lover's Gift Guide<p>Buy a bottle that will mean something to someone special<p>Let's face it: A bottle of booze as a holiday gift, even for the most devout whiskey geek, can have a hollow ring to it. But it doesn’t have to. Step it up by seeking out a rare, collectible, limited-edition …

7 Gift Ideas for Beer Lovers

More<p>BEER!<p>We love it. And you've voted. See which is the best American beer city.<p>If someone you care about has:<b><br>1)</b> Driven more than an hour to visit a brewery<b><br>2)</b> Attempted to brew their own beer, despite lack of kitchen and closet space<b><br>3)</b> Waited in line (or even overnight) for a special beer …

McDonald's Unleashes Poutine Across Canada

Big news from Canada: <b>McDonald's</b> across Canada have started serving <b>poutine</b>, the cheese curd and gravy-slathered french fries beloved across the country. McDonald's tweeted a picture of the poutine yesterday, and there's no word yet on whether this is a permanent menu addition or a limited time …

13 Healthy Recipes For A Mid-Holiday Detox

In case you want to hold off on the mashed potatoes, gravy, and pie for a week. (If not, that's cool too.)<p>Food52 is a community for people who love food and cooking. Follow us at Food52.com and on Twitter @Food52. And check out our new shop, Provisions!

8 Appetizers to Start Your Holiday Party Right

Appetizers, hors d'oeuvres, and small plates to keep your festivities flavorful<p>A great holiday party is a lot like a game of chess. You and your guests are on opposite sides, and it's your mission to destroy their defenses and trap their king . . . OK, on second thought, holiday parties aren't very …

Cooking

How to Get Free Credit Score (No Credit Card Needed)

<b>Do you want to know your credit score but are not sure where to look?</b> This article will walk you through the three main ways you can check your …

Financial Planners Dish: '7 Biggest Mistakes We See'

With all the planning we need to do for retirement, wouldn’t it be great if we could call up a retirement planner?<p>Unfortunately, “retirement planners” don’t exist. What do exist, however, are certified financial planners™, who can help you with your retirement planning.<p>And they’re happy to share …

Best Credit Card Rates | Find the Best Credit Cards | GOBankingRates

Finding the Best Credit Cards<p><b>Credit card rates</b> can make or break your ability to have flexible and affordable spending. A revolving line of credit is …

CD Accounts & Rates | GOBankingRates

CD Account Terms<p>Different types of CDs are available from financial institutions and offer a wide range of maturities and rates. If you think you …

Comparing Historical Interest Rates Versus Today’s

Depending on whether consumers are looking for lending or savings products, the interest rates they find at their local bank or credit union could …

3 Simple Steps to Earn More on Your Savings

With interest rates so low, you should do all you can to make your money grow faster.<p>Step 1<p>If you’ve been a loyal customer of a bank or credit union, …

How to Teach Kids to Handle Credit Cards

This four-step plan will help prepare your children to control their spending, pay bills on time and avoid fees.<p>One of the questions I’m often asked …

5 Ways to Borrow and Read More Free E-Books

Lending and borrowing digital reads can be tricky, but the money you save makes parsing the online landscape worthwhile.<p>E-reading is most popular …

How to Visit New York City on a Budget

Tips to help you save money on transportation, accommodations, dining and entertainment.<p>New York is notoriously expensive. Year after year, it tops …

Almost half the jobs Americans thought were safe will soon be done by robots

Computers have been an important part of many industries for decades already and have replaced humans in many jobs. But a new wave of technological development means that even positions that we once saw as immune to computerization are now under threat.<p>In 1930, as the Great Depression spread across …

Economics