Sam Onelia
I have been writing for Financer since 2022. I started writing about business and personal finance in 2014. I have curated over 150 articles about loans, investments, crypto, and bank services.
Biography
Samuele has been writing about business and finance since 2014.
In 2014, he launched his newsletter and podcast, where he interviewed over 200 entrepreneurs who have built their businesses from scratch.
Since 2022, he has been collaborating with Financer.com, where he has curated the publication of over 150 articles related to the analysis and comparison of loans, investments, credit cards, and other financial services.
Every month, thousands of readers use his content to obtain useful information for their personal finance decisions.
Experience
- 2014 – Launch of Italian Indie: blog, podcast, YouTube channel, and newsletter about online business and entrepreneurship.
- 2021 – Launch of the Art of Prosperity: newsletter dedicated to personal finance.
- 2022 – Beginning of the collaboration with Financer.
Crypto Exchanges
* Compare fees, security, and features across the top crypto exchanges available in the US * Detailed reviews of Coinbase, Kraken, Crypto.com, Gemini, and Binance.US with current 2026 data * Step-by-step guide to getting started with your first crypto trade
Personal Loans
* Compare personal loan rates from 20+ vetted lenders. * Borrow $1,000 to $100,000 with APRs starting at 6.49%. * Options for all credit scores, including bad credit.
$300 Loans
* Find $300 loans with fast approval and same-day funding * Compare rates from cash advance apps, personal loans, and credit unions * Options available even with bad credit or no credit check
$600 Loans
* See which lenders you're most likely to qualify with. * Compare interest rates and terms for $600 loans. * Find the most affordable loan option instantly.
$800 Loans
* Find the best $800 loans from top U.S. lenders * Compare rates to find the cheapest loan for you * Pre-qualify without hurting your credit score
$2,500 Loans
* Compare $2,500 loans from multiple lenders side by side * See rates, terms, and monthly payments before you apply * Options available for bad credit and no credit check
Bad Credit Loans
* Compare bad credit loans with APRs from 5.99% to 35.99%. * Get approved with credit scores as low as 300. * Check rates with no impact on your credit score.
Payday Loans Louisiana
* Compare top payday lenders in Louisiana with transparent fees and same-day funding. * Louisiana caps payday loans at $350 with a maximum 30-day term. * Explore lower-cost alternatives like personal loans with APRs under 36%.
Best Investments
* Compare top investment accounts side by side. * Find low-fee brokers with the best trading options. * See current rates, features, and minimum deposits.
Best Car Loans
* Compare car loans from multiple lenders with our free tool. * Find APR rates starting from 2.99% for qualified borrowers. * Apply online and get pre-approved in minutes.
Annual Percentage Yield
* Understand how APY measures the real annual return on your savings, including the effect of compound interest. * Compare variable and fixed APY across savings accounts, CDs, and money market accounts. * Learn how APY differs from APR and simple interest rates to make smarter financial decisions.
Credit Cards
* Compare 25+ credit cards side by side with real APRs and fees. * Find the best rewards, cashback, and travel cards for your budget. * Trusted by millions to make smarter financial decisions.
AAII Sentiment
The AAII Sentiment Survey measures individual investors' expectations for the stock market over the next six months, functioning as one of the most trusted contrarian indicators since 1987.
Put/Call Ratio
The put/call ratio measures the volume of put options versus call options traded on a given day. It's widely used as a contrarian indicator to gauge market sentiment and anticipate potential reversals.
Buffett Indicator
The Buffett Indicator compares total stock market value to GDP, offering a snapshot of whether the market is overvalued or undervalued relative to the economy.
Shiller P/E Ratio
Uncover how the Shiller P/E Ratio, also known as CAPE, helps forecast market performance and can guide your long-term investment strategy.
DXY Index
The DXY Index tracks the US dollar against six major currencies. Here's how it works, what moves it, and how investors use it to make better decisions.
Velocity of M2 Money Stock
The velocity of M2 money stock measures how often each dollar in the M2 supply is used for transactions. Here's what the latest data tells us about the U.S. economy.
Debt to GDP Ratio
Explore the current U.S. debt to GDP ratio, its historical context, and what it means for the economy and your investments in 2026.
Pawn Shop Loans
* Pawn shop loans let you borrow $50 to $300 using personal items as collateral, with no credit check required * Interest rates range from 5% to 25% per month depending on your state, translating to 60-300% APR * About 85% of borrowers repay their loans and reclaim items, according to the National Pawnbrokers Association * Over 30 million Americans use pawnshops each year for quick, short-term cash
Subsidized vs Unsubsidized
* Subsidized loans don't accrue interest while you're in school - the government covers it * Unsubsidized loans are available to all students regardless of financial need * Both are federal Direct Loans with fixed interest rates set annually * Major changes take effect July 1, 2026 under new federal legislation
Loan Capitalization
* Capitalization adds unpaid interest to your loan principal, increasing what you owe * Most common with student loans during deferment, forbearance, and IDR plan changes * Federal student loan rates for 2025-26 are 6.39% (undergraduate) and 7.94% (graduate) * You can reduce capitalization impact by making interest-only payments during non-payment periods
Amex Black Card
* The Amex Centurion Card costs $10,000 to join plus $5,000 per year * You reportedly need $1M+ income and $350,000+ annual Amex spending * Benefits include elite hotel and airline status, personal concierge, and no preset spending limit * The card is invitation-only, but you can now request consideration online