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Remembering the Big Picture

As I've been frantically trying to finish multiple projects before my planned Labor Day road trip, I haven't spent as much time online. I think this has allowed me to sit back and remember the Big Picture. In truth, the one thing I've learned since … [Read the rest]

Backup Your Important Files Online For Free

Everyone hears this sage advice: back up your files regularly. I am horrible at this, except for occasionally e-mailing files to myself. One solution is Mozy: Mozy is a secure, automatic remote backup service for any PC in any home or office. It's … [Read the rest]

Pay Down First Home, Convert to Rental?

So you may be wondering, how did I go from wanting to put only 10% down to thinking about 15-year mortgages? Well, mostly idle mind exercises since I still have about a year before purchase. But here's my idea. I would like to get an investment … [Read the rest]

Carnival of Investing

Welcome to this week's Carnival of Investing! I haven't been able to commit the time needed to do what I wanted to do with this Carnival coordinating thing, so it is in the process of being moved elsewhere. … [Read the rest]

Mortgages: 15 Year Fixed vs. 30 Year Fixed + Prepayment?

I should preface this with the fact that I'm still very new to mortgage loans in general. I've been considering getting a 15-year loan instead of a 30-year fixed loan. The general consensus seems like if you can afford a 15-year fixed mortgage, you … [Read the rest]

T-Bills Still Good Bank Alternative at 5.29%+ APY

For those subject to state income taxes, Treasury Bills continue to be a good alternative to online banks since their interest is exempt from state and local income taxes. For example, at their current rates my personal tax-equivalent yield is over … [Read the rest]

Get Access to DFA Funds For Only $50 A Month

While searching for cheap access to Dimensional Fund Advisors (DFA) funds, I ran across the fact that you can get access to them via West Virginia's SMART529 Select Plan. If you are a WV resident, the contributions are even tax-deductible! … [Read the rest]

Estimating Future Investment Returns: 30-Year Forecast

It's very hard to estimate exactly how much we'll have to save for retirement, as that would require knowing how much our investments will grow in the future. Even if we try to do long-term trends, this can be difficult. But Richard Ferri, author … [Read the rest]

Opening A Business Brokerage Account at Fidelity

Ever since starting my own small business, I've been on the look out for ways of holding cash in a business account but still earning a competitive interest rates. Now, if you are a sole proprietor, you can just use consumer savings accounts at … [Read the rest]

Get A CLUE! … Report … For Free.

If you would like to know what the insurance companies are saying about you behind your back, you definitely want to get a free copy of your CLUE report. Short for Comprehensive Loss Underwriting Exchange, it's basically the insurance version of … [Read the rest]

How To Add A High-Yield Savings Account At Washington Mutual Bank

Washington Mutual quietly rolled out a new high-yield savings account bundled together with the WaMu Free Checking account. When you click on 'Start Now' you'll get both applications at once. You should then see this: It may not be the very … [Read the rest]

0% Balance Transfers Questions & Answers: 3rd Half

Here is the 3rd half of questions submitted to me. Yes, 3rd half. I thought I could finish last time, but some of the comments had 6 questions within one comment ;) Not a problem, just took another post. This should just about finish my series on … [Read the rest]

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