Another startup designed to encourage people to save more is SaveUp.com. The inspiration came from a new economics idea called "Prize-Linked Savings". People tend to like lotteries, even though they are mostly a losing proposition. So what if … [Read the rest]
Even though the economic news is shaky, I still see a lot of new startups in the personal finance arena. I'm constantly running behind in keeping up with all of them, but here's one that reader MF sent over. ImpulseSave.com tries to making saving … [Read the rest]
Via the NY Times, benefits consultant Aon Hewitt released their 2012 Real Deal study about workers at large companies and their readiness for retirement. The study assumes that an employee will work at least 30 years with some large company, not … [Read the rest]
Since I spent July 4th trying to build my own cornhole board (until the batteries in my drill ran out), hanging out with family members sharing their opinions on every girl baby name in the world, happily eating hot dogs with beer, and watching … [Read the rest]
Here's a mid-year update of our investment portfolio, including employer 401(k) plans, self-employed retirement plans, Traditional and Roth IRAs, and taxable brokerage holdings. Cash reserves (emergency fund), college savings accounts, and … [Read the rest]
After getting the Chase Sapphire Preferred card $500 in airfare bonus, I developed a taste for Ultimate Rewards (UR) points. You can cash out UR points at a flat 10,000 points = $100. You can also use them towards travel at an Expedia-like portal for … [Read the rest]
We finally signed the closing documents on our most recent mortgage refinance. We ended up going through the same local mortgage broker who linked us up with Provident Funding, which is apparently one of the largest private lenders in the country. … [Read the rest]
Exxon Mobil and Mastercard have a promotion where if you link your Mastercard to a Speedpass, you'll get 10 cents off per gallon from 6/1/12 to 8/31/12. Good at any Exxon or Mobil, up to 100 gallons total. Rebates will be credited in October … [Read the rest]
It is very tempting to invest in an actively-managed mutual fund that has above-average returns. Why would you invest in the ones with below-average returns? However, there's something behind the whole "past performance does not guarantee future … [Read the rest]
I've decided to invest $10,000 in Prosper and Lending Club to compare their performance as an investment. Putting $5,000 in each will allow me to invest in 200 loans at $25 a piece, so that each loan will only be 0.5% of each respective portfolio. … [Read the rest]
Recently, the NY Times had an article about how many models of fuel-efficient cars may take years to justify the extra cost. Here's a graphic from the article with data from TrueCar: (I note that the NY Times compares the Prius with the … [Read the rest]
New 401(k) plan fee disclosure requirements from the US Department of Labor are coming soon. This includes defined benefit, 401(k), 403(b), profit sharing, and other retirement plans. I was getting confused myself, so I wanted to summarize some of … [Read the rest]
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