Reader Question: How Should I Invest my HSA?

Editor’s Note: For those who aren’t familiar with Health Savings Accounts, I’ve written extensively on the topic before, take a look. Reader GP writes in this week asking about HSA’s: I’ve got a pretty substantial HSA balance now and I need to know how to invest it. Simple and to the point, I like those […]

Financial Checklist: 25 Things to Take Care of Before You Turn 25

It’s never too soon to start thinking about money, and more importantly, your own personal finances. But the financial world is huge, and it can be overwhelming to know where to start. To make it a little easier, we’ve compiled a checklist that every twenty-something should be able to use. There are some money matters […]

Diversify Everything

Whenever I hear someone get really excited about their latest investment, I tend to think the worst.  It’s not that I don’t want that person to succeed but I usually worry they’re making a big mistake.  Any time I see a friend buy a house, I wonder if they spent more than they can afford. […]

Can You Really Handle a Bear Market?

Over the last couple of weeks, stock markets around the world have seen swooping downward trends thanks to jittery and uncertain emerging market activity. If we could look at this objectively, we would barely bat an eye. After all, the stock market spent most of 2013 on a steady and dramatic upward climb and we […]

Does This Investment Pass the Smell Test?

If you’ve been reading this blog for any decent amount of time you know that my investment style is pretty boring.  You won’t find any articles on this site about the hottest new stocks or magically high yielding investments.  Instead, you’ll see me promoting low cost funds and figuring out ways to avoid any and […]

PenFed 5 Year CD’s are Now Paying 3%

When I first read about PenFed’s 3% CD’s a couple weeks ago I thought there was some sort of typo.  I couldn’t believe there was a company out there offering 3% interest rates!  That was over 1% of what their closest competitor was offering at the time.  And since this deal popped up right before […]

I Finally Invested My HSA Money

It’s been a while since I wrote about my new HSA rollover strategy and lots of things have happened since then.  I quit my old job, got free health insurance for a couple months, got my own insurance for a month and will have employer health insurance again next week!  I’ll probably go with the […]

I Finally Filled Up My Lending Club Roth IRA

It seems like years ago that I wrote my two part series on opening a Lending Club Roth IRA and how to invest it.  It was actually only 5 months ago, but it marked my first major investment into peer to peer lending.  I was convinced to make a larger investment because my experimental account […]

No 401(k) Available at Work. What To Do?

I received an interesting question the other day about a topic I hadn’t given much thought to before. A reader e-mailed me asking what they should do if their work didn’t offer a 401(k) plan. I talk a lot about asset allocation, investing strategies and making contributions to your retirement accounts but it’s a lot […]

Everyone’s a Great Investor During a Bull Market

We all know the market has been on a tear the past couple years.  The S&P 500 is at an all-time high and I know my 401(k), along with others’, has performed tremendously well.  But my awesome returns aren’t due to the fact that I’m an investing genius, all I’ve done is maintain my portfolio […]

Part 1: Opening a No Fee Lending Club Roth IRA

I’ve been investing with Lending Club for three years now and my returns are still over 10%.  I’ve developed a specific set of filters that I feel give me a distinct advantage over the average LC investor yet it’s nothing ground breaking.  The average investor is doing pretty well according to Lending Club, but I […]

March CPI down 0.2%: May I Bond Rates Announced

On Tuesday, the labor department announced the latest CPI-U numbers.  With these numbers, you can calculate the upcoming inflation portion of I bonds and determine whether it’s better to buy your bonds now or wait until May.  As you may know, I bonds are composed of an inflation rate and a fixed rate.  The fixed rate […]

What is Bitcoin and Should You Invest in it?

If you’re like me, you’ve probably sent a peer to peer payment before.  Whether its the monthly rent, or gambling debts owed to a friend, sending money through Paypal or similar services is pretty easy(and free!).  Bitcoin essentially does the same thing but with its own currency.  Yes that’s right, Bitcoin has its own currency […]

What Should I Do With My Bond Funds?

Bonds are an essential part of any diversified portfolio.  Although we generally don’t expect the same high returns with bonds as we do with stocks, there is much less risk.  Bond funds can be a great diversification tool since they have low correlation with stock funds.  Essentially, that means that the health of the stock […]

Get a Guaranteed 4% Return on $5,000 thru Sharebuilder

I’m on a quest for higher returns(similar to TFB’s double bond movement) and so far I’ve explored peer to peer lending, binary options & REIT’s to name just a few.  There seems to be a ton of ways to earn above average returns but unfortunately, most of them also come with additional risk.  I’m looking […]

I Finally Guessed Right In My Trading Account

Even though I generally recommend investing in index funds and low cost mutual funds, from time to time I do trade individual stocks.  Don’t get me wrong, I usually end up losing money, but I never invest more than 1 or 2% of my total net worth in one stock and the total value of […]

My First Default With Lending Club

With today’s pitiful interest rates, it’s hard to sit there and invest your money in CD’s that are returning 1 or 2 percent. So if you’ve been searching for alternative investments you may already know about Lending Club. But if you’re new to the peer to peer lending scene, you can read my first review […]

An Argument for the Social Security Program to Continue

There are very few programs in the US which are understood less than the Social Security program.  You’ll hear a lot of mis-information about Social Security.  “You’ll never get what you put into it!”  “I’ll be lucky to get anything.”  So on and so forth.  The mis-information you hear contributes to giving the Social Security […]