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Michael Graw

Michael Graw

Michael Graw is a personal finance expert at BestMoney.com, specializing in online banking and insurance. His work has appeared in print magazines and on high-impact websites. With a passion for clarity and practicality, Michael helps readers navigate today’s financial landscape.

Posts by Michael Graw

Personal Loan vs Business Loan - Which is Right for Your Business?

Starting a business isn’t cheap. Startup costs can easily run to tens of thousands of dollars, and you’ll need more money to grow as your business takes off.
Read MoreJan 12, 2026
Personal Loan vs Business Loan - Which is Right for You

Shed your student loan debt in 5 steps

Earning your college degree is key to your future career stability and satisfaction. More career paths require advanced education and that means a college degree is critical to your success in today's workforce.
Read MoreJan 12, 2026
College Graduate with Their Debt

It’s 2021. Let’s Get Personal.

So, how can you keep visitors’ attention and turn them into repeat customers? The key is to deliver personalized experiences.
Read MoreJan 11, 2026
Let's get personal

Mercury Review

Mercury is a banking* services platform that offers high-tech business checking and savings accounts for startups and growing companies. Mercury charges zero account fees and doesn’t require a minimum deposit. You can request physical debit cards or create your own virtual cards for employees. Mercury also offers an API so you can integrate your bank account with the rest of your business software.
Read ReviewDec 14, 2025
mercury

Mercury Review

Mercury is a banking* services platform that offers high-tech business checking and savings accounts for startups and growing companies. Mercury charges zero account fees and doesn’t require a minimum deposit. You can request physical debit cards or create your own virtual cards for employees. Mercury also offers an API so you can integrate your bank account with the rest of your business software.
Read ReviewDec 14, 2025
mercury

Capital One Venture X Credit Card Review

The Venture X card is Capital One’s flagship travel rewards credit card. Capital One was founded in 1994 and has more than 100 million cardholders. The Venture X card offers unlimited 10X miles on hotels and rental cars. New cardholders can earn 100,000 bonus miles when they spend $10,000 within 6 months of account opening. The card’s $395 annual fee is pricey, but not as expensive as the fee for competitors’ travel cards.
Read ReviewDec 9, 2025
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Capital One Savor Cash Rewards Credit Card Review

The Capital One Savor Cash Rewards Credit Card is a cashback rewards card offering unlimited 3% cashback on dining, entertainment, streaming, and purchases at grocery stores. It offers unlimited 1% cashback on all other purchases, 8% cashback on Capital One Entertainment purchases, and 5% cashback on hotels and rental cars booked through Capital One Travel (terms apply).
Read ReviewDec 9, 2025
capital-one-savor-cash-rewards-credit-card

Capital One Venture Rewards Credit Card Review

Capital One, founded in 1994, is the 2nd-largest credit card issuer in the U.S. Its Capital One Venture Rewards card is a travel rewards credit card offering two miles per dollar on every purchase. You also get five miles per dollar on hotels, vacation rentals & rental cars, and up to $120 credit for Global Entry or TSA PreCheck®. The card has a $95 annual fee. It’s a great option for occasional travelers who prefer a simple rewards system.
Read ReviewDec 9, 2025
capital-one-venture-rewards-credit-card

PNC Bank Review 2025

PNC Bank, member FDIC, was founded in 1845 and is now the seventh-largest US bank. It offers an online banking service called Virtual Wallet, which includes two checking accounts and a savings account. With Virtual Wallet, there’s no minimum deposit to open an online account. If you make $5,000 worth of direct deposits within the first 60 days of opening your account, you’ll receive $400 cash bonus*.
Read ReviewDec 9, 2025
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Healthy Paws Pet Insurance Review

Healthy Paws offers a pet insurance policy for dogs and cats. The company’s plan covers up to 90% of medical expenses and most claims are reimbursed within 2 days. The plan doesn’t have any per-incident or annual caps on reimbursement and you can visit any veterinarian. Your pet can be enrolled in coverage at any age, although Healthy Paws does not cover pre-existing conditions or preventative care.
Read ReviewDec 5, 2025
healthypaws

What Are Common Small Business Loan Terms?

Even the most successful small businesses can use a cash infusion from time to time. Small businesses may need money to make it through a slow season, capital to expand or buy new equipment, or access to revolving credit for everyday expenses.
Read MoreDec 3, 2025
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Western Alliance Bank Review

Western Alliance Bank is a Phoenix-based bank founded in 2003. Its High-Yield Savings Premier account offers 3.90%¹ annual percentage yield (APY) on deposits up to the maximum limit allowed of $250,000. You can open a new account with as little as $500. However, Western Alliance Bank has no branch access for this account type and doesn’t offer ATMs. So, it’s best for individuals who want to earn the best interest rate on their savings.
Read ReviewDec 2, 2025
western-alliance-bank-high-yield-savings-premier

Western Alliance Bank Review

Western Alliance Bank is a Phoenix-based bank founded in 2003. Its High-Yield Savings Premier account offers 3.90%¹ annual percentage yield (APY) on deposits up to the maximum limit allowed of $250,000. You can open a new account with as little as $500. However, Western Alliance Bank has no branch access for this account type and doesn’t offer ATMs. So, it’s best for individuals who want to earn the best interest rate on their savings.
Read ReviewDec 2, 2025
western-alliance-bank-high-yield-savings-premier

Western Alliance Bank Review

Western Alliance Bank is a Phoenix-based bank founded in 2003. Its High-Yield Savings Premier account offers 3.90%¹ annual percentage yield (APY) on deposits up to the maximum limit allowed of $250,000. You can open a new account with as little as $500. However, Western Alliance Bank has no branch access for this account type and doesn’t offer ATMs. So, it’s best for individuals who want to earn the best interest rate on their savings.
Read ReviewDec 2, 2025
western-alliance-bank-high-yield-savings-premier

Lower Monthly Car Insurance Payments

Owning a car can be expensive. Not only do you have to fill it up with gas, but there are other costs too. Finance, maintenance, service bills, and tire changes, to name a few. Plus, on top of this, you also have to pay for car insurance. However, the good news is that many drivers may qualify for more affordable car insurance policies.
Read MoreMay 28, 2025
10 Ways to Lower Your Car Insurance Premiums

How to Apply and Qualify for Second Chance Banking

Second chance bank accounts are checking accounts that you may be able to open even if you’ve consistently been denied when trying to open checking accounts at major banks. In this guide, we’ll explain how second chance banking works and review the 3 best second chance bank accounts you can apply for today.
Read MoreFeb 23, 2025
apply-and-qualify-for-second-chance-banking

Saving Money on Your Car Insurance: Insider Secrets

Car insurance is absolutely essential if you own a car to get around town or commute to work. But just because you need to have car insurance doesn’t mean it needs to be expensive.
Read MoreOct 29, 2024
Why Didn’t Anyone Tell Drivers About These Recent Changes?

The Ultimate Guide to IRAs

An individual retirement account, or IRA, is a type of investment account designed for retirement investors. It offers flexible investment options, and the money in your account is tax-free or tax-deferred. IRAs form the backbone of many investors’ retirement plans. In this guide, we’ll cover everything you need to know about IRAs, from how they work to how to open one.
Read MoreAug 13, 2024
ira

The Ultimate Guide to IRAs

An individual retirement account, or IRA, is a type of investment account designed for retirement investors. It offers flexible investment options, and the money in your account is tax-free or tax-deferred. IRAs form the backbone of many investors’ retirement plans. In this guide, we’ll cover everything you need to know about IRAs, from how they work to how to open one.
Read MoreAug 13, 2024
ira

First-Time Homebuyer Financial Assistance 101

Buying your first home can feel overwhelming. Finding the perfect home, putting together a down payment, and getting approved for a mortgage - it’s a lot of work and the financial burden adds up quickly. The good news is that first time buyers have special programs designed just for them. We’ll explain everything you need to know about how to qualify for them.
Read MoreApr 30, 2023
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