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Time Again to Reconsider Refinancing Your Mortgage?

If you have a mortgage with an interest rate over 5% or even 4%, hopefully you have explored refinancing it to a lower interest rate. Yes, it can be a bit of a pain, and that is why many people leave tens of thousands of dollars, if not over a … [Read the rest]

Why You Shouldn’t Bet on Higher Oil Prices Using the USO ETF

Does this sound familiar? Perhaps you've heard it around the water cooler, or considered it yourself? Crude oil has dropped to $50 a barrel. You just know oil prices will go up eventually. The futures market is kinda complicated... I … [Read the rest]

This Is Why My Retirement Portfolio Is Simple and Balanced

Via The Reformed Broker, investment manager Research Affiliates shares how a simple, balanced 60/40 portfolio (specifically 60% S&P 500 stocks, 40% 10-Year US Treasuries) did pretty darn good in the past 100, 50, and 25 years: It even did well … [Read the rest]

Consumer Reports Product Testing Details

Vox has an in-depth look at Consumer Reports, including their continued efforts at staying unbiased, rigorous testing methods, and their future financial outlook. To ensure they're getting the same thing you'd buy at a store, they buy all of these … [Read the rest]

529 Plan Tax Benefits Are Subject To Future Change

During the most recent State of the Union address, the President's proposal includes removing one of the current key tax advantages for 529 college savings plans. It is important to remember that this is only a proposal and is unlikely to pass a … [Read the rest]

529 College Savings Plans Now Allow Two Investment Changes Per Year

Here's a quick note about a change in 529 college savings plans. Up until recently, you were only allowed one investment change per year, per beneficiary. Starting in 2015, a change in federal law means that you are now allowed two investment … [Read the rest]

Tax-Free 529 Savings Plans For Disabled Children and Young Adults

This won't apply to everyone, but it could be significant if it does. I didn't know about this until recently. The Achieving a Better Life Experience (ABLE) Act used the structure of 529 college savings plans to create similar tax-sheltered … [Read the rest]

Successful iPhone App Developer Actual Income Numbers

Apple announced that during the first week of January 2015, over $500 million was spent on app and in-app purchases. Apple takes a 30% cut, so that means $350 million was paid out to developers that week. Since inception, Apple iOS developers have … [Read the rest]

Investment Returns Ranked Annually by Asset Class 1995-2014

Every year, investment consultant firm Callan Associates updates a neat visual representation of the relative performance of 8 major asset classes over the last 20 years. You can find the most recent one below (view as PDF), which covers 1995 to … [Read the rest]

Simple Living and Minimalist Parenting Quotes

I was catching up on some long reads and finished the article When Mommy and Daddy Took the Toys Away which explored parents who are simplifying by keeping their kid's toys and other material goods to a minimum. Only having a few toys? Not … [Read the rest]

TurboTax 2014 Feature Change + Free H&R Block Offer + Free TurboTax Upgrade

It's that time of year again, where we await our W-2 and 1099 forms and decide which tax software to use. I'm working on product-specific reviews, but for now I figured I'd summarize the drama surrounding TurboTax 2015 for those that don't follow … [Read the rest]

T-Mobile Free 7-Day Test Drive Review

I'm nearing the end of my contract, and I've been tempted by T-Mobile's aggressive promotions like 4 lines for $100 and most recently free rollover data. But I worry about their coverage. Then I learned of the Free T-Mobile Test Drive where you can … [Read the rest]

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