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SEP or Roth IRA?
Continuing with the ‘focus on freelancer’ theme I launched with Freelancer Taxes, let’s get into whether self-employed U.S. taxpayers are better off saving for retirement in a Roth IRA or a Simplified...
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Why the 4% Rule Fails
Feels like a good day to debunk another verse from standard personal finance “expert” bible: the 4% rule. What’s the 4% Rule? Stated simply, the so-called 4% rule is this: withdraw for living expenses...
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Underwater Car Loan?
Remember subprime mortgage lending, no-doc mortgage loans, mortgage-backed securities, credit default swaps, derivatives, suspect credit ratings, the housing value plunge, the 2007-08 financial...
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Paying Debts in Collections
Through the sometimes frightening wonders of Google Analytics, I know that someone navigated his or her way to this site a few days ago by searching: “how to pay off credit card debt in collections”...
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Please Ignore!
When I read or hear that “the conventional wisdom” or “standard advice” on any topic is such and such, I turn the page / change the channel / close the webpage. I’m unconventional and non-standard, and...
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14 Steps to Get Ahead
Are you sick of living paycheck to paycheck, always on the brink? I’m positive you can change that! Here’s how: 14 Steps to Start Getting Ahead Financially 1. Track Expenses for 3 Months You might...
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When You Pay Matters
You’ve heard this over and over: to help maximize your credit score, pay off your credit card balances in full and on time every month. Sounds logical, but like many conventional wisdoms, it’s partly...
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It’s Not About the Latte
This is not a nest egg buster. Have you seen some version of this tiresome lecture? Personal finance pundit: “You’re spending $3.50 a day at Starbucks. That’s $1,274 per year! Invest that in an IRA...
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Credit and Home Insurance
“My credit score doesn’t matter. I don’t plan to borrow any money.” Wrong! Credit scores affect a lot more than the likelihood your loan or credit card application will be approved and what APR you’ll...
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3 Top Money Wasters
I get a little frustrated by people who are struggling financially and say they want to retire early, but their spending habits tell a different story! Talk is cheap. Walking the talk is what matters....
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