Well PalmerCash is a man with a Degree in Nothing and a Minor in Spanish, yet he thinks he knows everything and can't speak a word of Spanish (Unless he's asking for a beer or a bathroom).  He's been a businessman all his life.  From making fake ID's at 15, to committing bank fraud by 17. 

In College he gave up his illegal ways, as prison was quite the deterrent. And he moved on to stocks, day trading, and options.  Business school was boring and he soon learned his professors really didn't know much, as his head grew in proportion to his portfolio.  Eventually he changed his major to General Studies and  spent a year at the University in Costa Rica where he studied everything from booze to women, but not a bit of Spanish.

Post college PalmerCash spent time traveling, skiing, and spending his savings and winnings from the market.  But when the bank account approached $0.00, Mr. Cash took a job, and after a week he realized this was not a good thing.  For the next few years he refers to as the 'Dark Ages'  he worked for pennies, skied less than he should, and led a somewhat average life.  But with a little luck, a second mortgage, and a lot of credit card debt, PalmerCash the website was born.  And once again our hero is happy and drunk.