Growing up consists of learning new things, and somehow, we manage to relate everything back to nature. For instance, you ask your parents where babies come from and you get “the talk” about the birds and the bees. Or you have your first bad break-up and you are told there are more fish in the sea. Then you learn about the stock market and something about “bears and bulls.”

Here we seek to explain more than just bears and bulls, but a larger, overarching concept: investing.

If you don’t know about the bear and the bull, here is a quick simple explanation of it. When a stock market is trending up it’s a “bull market,” and when it is trending down it’s a “bear market.” The reason for these names refers to the animals’ attack methods; when a bear attacks, it swipes down and when a bull attacks, it rips its head upward.

People tend to associate investing with the stock market, but it doesn’t have to be. This article is especially for students or those new to investing, but really anyone can benefit from these tips. In this article, we’re going to talk about investing, saving, and some alternatives to the stock market.

Why invest?

You might be asking this fundamental question. Don’t worry, you’re not the only one, I used to ask that too. The best answer to that is one word: inflation. Investing is the best way to make sure your dollar maintains its value. The power of the dollar fluctuates frequently, and the stock market helps to make sure your dollar maintains its worth. Inflation has been a problem since the onset of currency. The stock market is a great way to combat that inflation.

In order to invest, however, you have to have a savings. Investing all you have is not a good idea, so making sure you leave your savings alone is crucial. Accidents happen, and if there were a family emergency you wouldn’t want to have to pull all your investments to pay for it.

This is a good general rule, not to put all your eggs in one basket. The stock market can be a risk-and-reward type scenario, especially when you get into more expensive stocks. I would recommend getting into stocks that have stood the test of time and have low volatility. Bitcoin, for example, is NOT one of those.

There are safer routes to go with the stock market, such as mutual funds. A big difference between regular stock and a mutual fund is, in a mutual fund, your money will be invested in several different stocks making investments much safer. You can’t do quick buying and selling in a mutual fund like you can with regular stocks.

How to begin investing


Getting into investing can be scary, so I suggest starting small until you feel a little more comfortable. A great way to do that is through the application called Acorns. Acorns takes your spare change and invests that in to portions of stocks. Be sure to go find Acorns in the Google Play Store or in the Apple App Store.

To use Acorns, you must link the app to your checking account. Whenever you make a purchase, it will round up to the nearest dollar and invest that extra change in penny stocks. This is a great way to see your “acorn” grow into an “oak”.


Another great app to help you start investing is Robinhood. Robinhood is a stockbroker but there is no trading fee, which is what will typically kill an early investor.

Robinhood is also a great way to get comfortable with investing. Thanks to the no trading fee of Robinhood, you are able to invest small amounts of money that normally you couldn’t. You can invest in stocks such as Zynga or Sirius XM that are around $3 per share. This can help you feel more comfortable with the stock market.

The other best part of Robinhood is the free stock that you can get. That’s right, free stock. All you have to do is download the app using someone else’s “invite code” and you each will get a free stock. If you don’t use the join code, however, no free stock.

If you don’t have a friend who has it already, come by the office. I’d be happy to give you my code and get a free stock.

Everyone who joins Robinhood has a chance to get stock in companies such as Ford, Apple, Sirius XM and many others. If you don’t want to invest money right away that is fine. But I still would recommend getting the app and seeing how your free stock will behave in the stock market. It will help you get the hang of the app and feel more comfortable in investing.

Other investment options

Precious metals

An alternative to investing in the stock market is investing in precious metals. Some people swear by precious metals, but there is some fluctuation in the value of these precious metals. They typically tend to fluctuate due to the value of the dollar.

However, the biggest plus side to investing inprecious metals is that they are tangible items you can buy. They would also come in handy for bartering in the worst case scenario of a total economic collapse. But we’re not worrying about that.

Investing in precious metals is never a bad idea, and their value tends to grow with time.


Paying off debt

The next investment is an investment with a guaranteed return. That is paying off debt. It is best said in an article by AOL, which indicates that “paying off debt can produce superior returns to most other investments…and that return is guaranteed and completely risk-free.”

Dave Ramsey is an excellent resource for managing this investment. He knows a few things about getting out of debt and can even teach you more about investing. Beehive Federal Credit is offering a Dave Ramsey Financial Peace course that anyone can access.

Real estate

Real estate, like precious metals, is a tangible investment. This is a little more difficult to invest in because it requires greater amounts of money to initially invest. However, it is also one of the more secure things to invest in. You can make a killing by buying and selling real estate at the right times. But is is always worth having.

Land, specifically, is important because no matter the real estate, it will always have to sit on land. Whether it be a residence or a business, everyone needs land.


Additionally, you can invest  inU.S. Treasury Securities. You may not become the next Warren Buffet by investing in these, but it’s a great way to protect your money, particularly in times of turmoil. In the aforementioned article, AOL lists these as an alternative investment.

“Generally speaking,” the article reads, “bills carry the lowest interest rates, while bonds pay the highest, and notes are somewhere in between.”

“You can buy them through the Treasury’s portal, Treasury Direct, and hold them there as well,” the article goes on to say.

If for example, you got a one-year treasury bill for $490 with a 2% interest, you would get $499.80 after it matured for one year. Like I said, you’re not going to get rich from this method, but it is a great way to protect your money against inflation.


Last, but definitely not least, your best possible investment is yourself. Better yourself to be more qualified for a job or further your education to apply for the job you want. This is the best kind of investment, and it can even prove easier to know what to do.

Whatever you love to do, invest your time and energy into it. The returns that you see from your hard work will not disappoint you.

Visit Montana: The Unknown Wonderland

Montana might be the most underrated state. With a population less than that of Rhode Island (a state 1/140 of its size), it’s widely considered as a state where there isn’t much to do. However, it’s the opposite. The next thing to add to your bucket list (even though you didn’t expect it): Visit Montana.

Glacier National Park

It seems fitting that the most underrated state would have the most underrated national park. Not many people have heard of Glacier National Park, located in the Northwest corner of the state. Glacier National Park has it all, from fishing and whitewater rafting to horseback riding and biking. Located in the heart of the Rockies, Glacier National Park offers both summer and winter activities. When you visit Montana, Glacier National Park is the last thing you want to miss. Click here to learn about what you can do in Glacier National Park.

Whitefish Mountain Resort

Right next to Glacier National Park lies the best ski resort in Montana: Whitefish Mountain Resort. With more than 200 on-mountain condominiums and more hotels near the base of the mountain, you can choose what housing best fits your needs. Whitefish features over 3,000 acres of land, meaning whatever your skill level, there’s more than enough terrain to choose from. Are you a big skier? Find out more about Whitefish here.

When you visit Montana, you have to ski.

Bannack State Park

If you’ve ever wanted to see a real ghost town, Montana has it. Bannack started as a gold-mining city back in 1862. A year later, a nearby city discovered gold and many abandoned Bannack. Less than 100 years later, the city was almost completely abandoned. Now, you can explore most of the structures that still stand (over 60 structures). However, you might want to steer clear if true ghosts aren’t your thing. Learn more here.

Other Places to Visit

We highlighted just three activities in Montana, but there’s so much more than that. Three of the five entrances to Yellowstone National Park are in Montana, each holding something unique. Flathead Lake is the largest natural freshwater lake west of the Mississippi. With 200 square miles of water, there’s tons to do. Some people like the smaller city vibe. For those people, downtown Bozeman isn’t something to skip out on.

When you visit Yellowstone, you visit Montana too.

Visit Montana

Visit Montana. It’s not something that you’d likely think of on your own, but it’s something every American should do in their lifetime. If you’re wondering how to get there, St. George Express can help you.

The Ultimate St. George Express Travel Playlist

While you travel, having that perfect travel playlist is essential. With a great playlist, time seems to slip away and you arrive in no time. Without music, or with the wrong music, it can feel as if you’re never going to arrive. Below, we’ve tried to select songs that you probably haven’t heard yet.

Before reading, keep in mind that no two people have the same taste in music. While you might like some songs, other songs might annoy you. Take the songs from the playlist that you like and build on them. Leave the others behind and realize that other people will take those for their playlists. With that being said, welcome to The Ultimate St. George Express Travel Playlist.

Chill Music

Some people like to fall asleep while on the road. Others like to relax and think about what’s happened or what’s coming up. For those people, we’ll start out with some of the slower music. Here are the top 10 chill travel songs:

Song Artist
Saved Khalid
Last One I Love Marc E. Bassy
Work Song Hozier
Reminding Me (feat. Vanessa Hudgens) Shawn Hook
Another Day In Paradise Quinn XCII
Concrete Jungle Au/Ra
All In My Head Tori Kelly
Come Over (Acoustic) Sam Hunt
Awake ayokay


If you’re traveling on a sunny summer day through the middle of Utah desert, there’s nothing better than listening to some country. Feel like a cowboy with these songs:

Song Artist
More Dreams Than Dollars Maggie Rose
What If I Kissed You Temecula Road
One Number Away Luke Combs
Just Another (Acoustic) (feat. Jillian Jacqueline) Sammy Arriaga
Craving You (feat. Maren Morris) Thomas Rhett
Take Your Time Sam Hunt
What Ifs Kane Brown
Hard Drive Home Bailey Bryan
Long Stretch of Love Lady Antebellum
Heaven Is Close A Thousand Horses


Finally, there are people that love to jam out while on car rides. With upbeat songs, you definitely need to sing along in your head (or out loud if you want!). Here’s a list of the top 15 upbeat songs to add to your travel playlist:

Song Artist
New Wave Quinn XCII
Words Daya
There For You (feat. Troye Sivan) Martin Garrix
Tattoo on my Face NLSN
One More Weekend Audien and Max
Feel It Still Portugal. The Man
Tired (feat. Gavin James) Alan Walker
Runaway The Skins
Stay in the Dark The Band Perry
Queen Elizabeth Cheat Codes
Wake Up Alone (feat. Jhené Aiko) The Chainsmokers
Gangster PJ
The Shine (feat. Chelsea Cutler) ayokay
Walk Kwabs
Feel Good (feat. Daya) Gryffin and Illenum

Comment below with the songs we missed. Choose the songs and artists you like and build off them. Create your own travel playlist and share it with your friends. The next time you all travel on St. George Express, you won’t even feel the time pass by.

Top 5 Restaurants in Las Vegas

Whether you’re visiting or just looking for a new place to visit, the restaurants in Las Vegas are some of the best in the world. You don’t need to travel to Asia or Europe to get a taste of these cultures – you can have it right here in Las Vegas!


If you’re looking to eat out without blowing your budget, Raku’s Japanese Charcoal Grill is your best option. With only three main menu items priced over $10, anybody can afford to try the food here. However, it’s not only the low-price point that even the locals find attractive. From the duck off the grill to the Oyako Don (bowl of chicken and egg) and everything in between, patrons rave about the Japanese meals. These meals provide perhaps the best value out of the restaurants in Las Vegas.

While these meals are great, there is another option. If you’re willing to spend more money, Raku also offers their Okamase – the chef’s choice. Created from a mix of menu items and the daily special, the chef chooses the perfect blend of food for each customer.

The best restaurants in Las Vegas make the best meals

Bardot Brasserie

Inside the Aria resort, you’ll find the finest French cuisine in Las Vegas. The Bardot Brasserie is open from 5:30-10:30 pm on weekdays. As a result, groups almost always need a reservation to be able to dine here. From the moment diners enter the restaurant, they experience an elegant night resembling France itself. Chef Michael Mina and his crew are able to cook up a wide range of food, including shellfish, steak, and lamb. As you could probably expect from a French restaurant, the Bardot Brasserie serves the best champagnes. A wide variety of red, white, and specialty champagnes allows you to choose your favorite.



Making our way across the European border, Jaleo is the best Spanish restaurant in Las Vegas. Jaleo is run by world-famous chef José Andrés. Unlike his other restaurants, a vibrant atmosphere resembles The Strip of Las Vegas. In the middle of the restaurant, a large, open fire wood grill is designed to cook up paellas (a Spanish dish containing rice, chicken, seafood, and more) to perfection. Created by the British but perfected by the Spaniards, Jaleo’s has the best Gin & Tonic in all of Las Vegas.

Paella proves to be popular in the best restaurants in Las Vegas

Harvest by Roy Ellamar

Inside one of the most iconic hotels in the world, the Bellagio boasts a new-style restaurant that is taking Las Vegas by storm. Harvest by Roy Ellamar prides itself in bringing food straight from the farm to the table. Almost every item in the menu tells you exactly where the food originated. This way, you know exactly what you’re getting. These meals range from as close as farms in Nevada to as far as rivers in Washington. Furthermore, Harvest has many meals for vegetarians and vegans. Here, everybody can find their perfect meal.


Other Mama

Other Mama is perhaps the most hailed restaurant in Las Vegas. The menu consists of Asia’s best dishes, such as shishito, hush puppies, and Kim Chi. Like Raku, Other Mama is able to keep their prices down low. Therefore, you don’t have to worry about spending too much here. In addition to their always-low prices, Other Mama features a daily happy hour from 5 p.m.-6 p.m. On that specialized menu, all entrées are less than $10, including ceviche’s, calamari, and amberjack. Because of all of this, Other Mama holds the honor of the highest reviews out of any restaurant in Las Vegas.

Other Mama (one of the best restaurants in Las Vegas) makes the best sushi in Las Vegas

Best Restaurants in Las Vegas

So, which of these is the best restaurant in Las Vegas? That depends on your taste. All of them offer something different for the consumer. Consequently, the only way to find out which one you think is best is to try them all!