I come from middle-class roots and was brought up with what I’ve recently heard referred to as a “middle-class money mindset.” By that, I mean that I’ve been primarily concerned with:
Getting an education
Developing a skill/career
Honing that skill
Using that skill to work and trade time for money
Saving that money
Working to a ripe old age, and then [...]
In case you haven’t heard, the Senate just passed the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009 by a 90-5 vote. The House passed their own version of this bill, known as the Credit Cardholders’ Bill of Rights, back in April by a 357-70 margin. It’s now up to the House and [...]
Last week, I talked about our initial experiences investing money with Lending Club (see also my Lending Club review). In short, I created two $500 portfolios, each of which contained twenty $25 notes. Our “Low Risk” portfolio had an average interest rate of 9.82%, whereas our “High Risk” portfolio had an average interest rate of [...]
On Monday, I returned home from work to find a letter from the IRS in our mailbox. My heart sank. Fearing the worst, I opened the envelope and peered inside. What I saw wasn’t nearly as scary as I had feared. Yes, we’re technically being audited, but it’s just a “correspondence audit.” Moreover, it’s the [...]
Did you know that the average cost of a wedding in the United States is nearly $28,000? Or that wedding receptions are typically half the cost of the entire wedding? For many couples, their wedding ends up being an extremely expensive event that really hurts their finances.
My friend is actually getting married in a few [...]
After a good run, the time has come to once again change our reward credit card strategy. First, AmEx reduced the rewards on their Blue Cash card, and then the same thing happened to the Chase Freedom card.
Over the past year or two, we’ve been using our AmEx Blue Cash card for nearly everything, with [...]
If you’ve read this site for any period of time, you’re most likely familiar with FDIC insurance, which protects your deposits in the event of a bank failure. But what if when a brokerage fails? What happens to your investments? The good news is that you’re covered — to a point — by the SIPC.
What [...]
Should you pay off your mortgage early? Or should you focus on investing with your spare cash? This is one of the most hotly debated topics in personal finance, with vocal proponents on both sides. Today, I thought I’d take a look at this issue from both angles and then share our approach with you.
Why [...]
Since we’ve been on the topic of peer-to-peer lending this week, I wanted to talk a bit about Pertuity Direct and find out if you guys have had any experience with them. While Pertuity Direct specializes in social lending much like Lending Club does, they use a somewhat different model…
The Pertuity Direct approach
Instead of investing [...]
While attending a recent Homeowners Association meeting, my wife and I were overwhelmed by the attitude of a majority of our neighbors. With few exceptions, they wanted everything done for them and thought all they had to do was sit around and complain loudly enough to make it happen.
After about 15 minutes of complaints [...]
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