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$30,000 Beat-the-Benchmark Experiment – One Year Update, Prosper and LendingClub

After posting Part 1 yesterday, here is Part 2 of my Beat-The-Market experiment one-year update. In order to test out P2P lending, I started with $10,000 split evenly between Prosper Lending and Lending Club, and went to work lending other people … [Read the rest]

$30,000 Beat-the-Benchmark Experiment – One Year Update, Part 1

It's finally been a full year since starting my Beat the Market Experiment, a series of three portfolios started on November 1st, 2012: $10,000 Passive Benchmark Portfolio that would serve as both a performance benchmark and an real-world, … [Read the rest]

SavedPlus Review: Automated Savings Linked to Spending

You've probably heard the adage "pay yourself first". Well, now there is a website that will help you essentially tax yourself first. Recently mentioned in Businessweek magazine, tracks your spending and automatically transfers a set … [Read the rest]

Healthcare Flexible Spending Accounts $500 Carryover

The U.S. Treasury recently announced that participants in Healthcare Flexible Spending Accounts would now be able to carry over $500 of unused funds into the next year, but only if your employer chooses to allow it. Employers can allow either a 2.5 … [Read the rest]

Google Hangouts iPhone App: Free Voice Calls and Google Voice Compatibility

Google announced a few days ago that third-party apps will no longer work with Google Voice as of May 15, 2014. I already updated my Obihai post, but this will also affect those people who make voice calls over data with GrooveIP or similar … [Read the rest]

Obihai + Google Voice = Free Home Phone Service Until End of 2013

(Update November 2013: Google announced a few days ago that third-party apps like Obihai and GrooveIP will no longer work with Google Voice as of May 15, 2014. Obihai confirmed this on their official blog, while stating that your box will still be … [Read the rest]

Pentagon Federal Offering 3-Year CDs at 2.02% APY

Pentagon Federal Credit Union is now offering 2.02% APY rate on it's 3, 4, 5, and 7-year CDs (they call it a Money Market Certificate). The minimum opening deposit is $1,000. Early withdrawal penalties are as follows: For terms from 6 months … [Read the rest]

US Savings Bonds November 2013 Update

One more quick savings bond update... the official rate for new I Savings Bond was announced and the variable rate is indeed 1.18% but the fixed rate was a surprise at 0.20%. It's still very small, but the last time we got a rate slightly above … [Read the rest]

Consistently Top-Rated 529 Plans: Morningstar Gold and Silver Ratings 2010-2013

Investment research firm Morningstar rates 529 plans in their annual "529 College Savings Plans Research Paper and Industry Survey". They recently announced their top plans from the 2013 survey, although it appears the full study and state-specific … [Read the rest]

Savings I-Bonds September/October 2013 Rate Speculation

Update 11/3/13: The new rates for November 2013-April 2014 are 0.20% fixed and 1.18% variable. See details here. … [Read the rest]

Lessons from a Man Living on $5,000 a Year

Can a person live in the US on only $5,000 a year? According to this NBC News article and this Youtube video, Dan Price has been doing it for 20 years. I enjoy these kinds of interviews as they reinforce the fact that we all make choices every … [Read the rest]

Ally Bank CD Early Withdrawal Penalty Change: Details & Analysis

Ally Bank just announced that they will be changing the early withdrawal policy on their CDs starting on December 7, 2013. Found via Ken Tumin's DepositAccounts post, the details are now officially outlined in the fees tab of their certificates of … [Read the rest]