05.17.15

How to Do a 401(k) Rollover

When you leave an employer, whether it’s for a new job or retirement, you’ll probably hear about a 401(k) rollover. What does that mean, and

Can Alternative Credit Scoring Help You Get a Mortgage?

By Peter Miller Lenders have an ongoing problem: No matter how many loans they create, they want to make even more. And that brings us

05.12.15
Personal Finance Focus

Choosing Your Personal Financial Focus

When I first started my professional life, my main financial focus was on my career. I tried really hard to establish a great professional foundation

castle in fish tank

Using the HARP Program to Refinance an Underwater Mortgage

Just a few weeks ago, reader Sarah wrote in for advice on how to handle her underwater mortgage. Like many people who bought homes at the

woman typing on laptop

When to Use an SEP IRA

Just a few decades ago, opening a simplified employee pension — otherwise known as an SEP IRA, a retirement plan for self-employed workers — wasn’t

05.05.15
United States from space, at night

How We’re Investing for Financial Independence

It’s not exactly a secret that my wife and I are investing our money with a goal of financial independence. We achieved our goal of

05.04.15
Wealthfront vs Betterment

Betterment vs. Wealthfront

As I explained in previous posts, I’m on a quest to roll over my old 401(k) into the best retirement account I can find. My

holding a house in hands

Should You Pay Off Your Mortgage Early?

If you have a mortgage on your home, you’ve probably wondered at least once whether it would be worthwhile to pay it down ahead of schedule. And if

Personal Capital site on various devices

Personal Capital Review

As I explained in a few previous posts, I am on a quest to roll over my old 401(k) into a new account with better

04.02.15
Granada rooftops

Eight Best Places to Retire Abroad (and Enjoy the Good Life for Less)

More than 373,000 Americans had retired abroad by 2013, according to the Social Security Administration, and for various reasons. For some, the decision to retire overseas

investing charts

Roth IRA vs 401k? You May Not Have to Choose

One of the most common retirement questions I get asked is: Roth IRA or 401(k)? Although both are good options worth considering, the answer isn’t

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Where Do Investment Returns Come From?

The whole point of investing is to give yourself the possibility of earning better returns than you can get from a savings account. If you

03.28.15
A.G. Thomson House B&B in Duluth, Minn.

The Ultimate Work-at-Home Job: Running a Bed and Breakfast

Running a brothel was never part of Debbie Miller’s plan. But 25 years ago, in rural Ohio, there were few people who understood the distinction between

03.27.15

Why Taking a Lump-Sum Payout Makes More Sense Than You Think

When I was in sixth grade, a classmate’s grandma won a million dollars in the lottery. This made the front page of our small town’s

teacher writing on blackboard

Three Reasons Teachers Make Good Investors

The average Wall Street bonus was $172,860 in 2014. That’s just a bonus — and it’s more than three times the average high school teacher’s annual salary of

03.20.15
Ohio State Library

Six Biggest Myths About 529 Plans

By Kathryn Flynn A college degree is worth more today than ever before. In fact, according to a study by Pew Research, young adults with

03.18.15
magic-cards-risky-investment

Some Thoughts on Riskier Investments

A good friend of mine has about 25% of his net worth tied up in Magic: the Gathering cards. He buys and sells them somewhat

03.03.15

What Is a Fee-Only Financial Advisor?

If you’re looking for a financial planner, one of the first things you’ll want to know is how they are paid. Financial incentives influence decision-making in

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