Case Study: Reader Portfolio Review

…These are companies whose earnings are expected to grow at an above-average rate compared to its industry or overall market. On the other hand, Value funds invest in value companies….

Step-by-Step Guide to Opening a Vanguard Roth IRA

…be tax-free. Besides this obvious tax advantage which makes the Roth IRA an appealing investment vehicle, here’s a few other benefits: No required minimum distributions. There’s no requirement to take…

Seeking Loan Forgiveness? Track Your Payments

…went to Navient and downloaded the payment information for each loan. Both Navient and FedLoan Servicing allow you to download previous payment information in Excel format, so I hope your…

Whole vs. Term Life Insurance

…expire at some point. Term life is simpler because you generally make the premium payments, while whole life can become complicated with figuring out the cash value component, and if…

How to Write an Investing Plan

…A few from the Bogleheads: Sunny’s Investment Policy Statement (Compact and Concise) Peter’s Investment Policy Statement (Company and Concise) White Coat Investor’s Investment Policy Statement Dale’s Investment Policy Statement (Comprehensive)…

Real Estate Agents: Everything You Need to Know

…and collect and distribute commissions between agents on either side of a transaction.  The commission structure is set by the seller who pays the commission for their listing agent as…

Ugh, Your Spouse Has Debt Too?

…divided $200K by 10 years to get the roughly $20K in “benefit” you’ll receive annually from the PSLF-eligible job. Of course that money essentially comes to you tax free, so…

Lawyer Stress: It’s Not Just You; How to Beat It

…by yourself.  Home gyms can reduce the commute to a commercial gym, and while expensive at first, can become a valuable long-term investment. Even one of these can free up…

Hey FedLoan, Did You Forget Me?

…you consolidate your loans you end up with a “new” Direct Federal loan which completely restarts the clock when it comes to making 120 qualifying payments (i.e. all of your…

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