The ACA (Obamacare) Survives. But is it Actually Working?
Tue, 06/30/15 | 10 Comments

With last Thursday’s ACA Supreme Court ruling confirming that Congress intended to include subsidies for those on the federal exchange in addition to state exchanges, the ACA has now survived an election, two Supreme Court …

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Vanguard Increases Its International Equity Allocation. It’s Time to Re-examine Yours
March 9, 2015 | 6 Comments
Vanguard Increases Its International Equity Allocation. It’s Time to Re-examine Yours

In case you missed the big (yet under-the-radar) investing world news, Vanguard announced they are increasing its international equity allocation in their Vanguard Target Retirement Fund and Vanguard LifeStrategy Fund products.
“The international equity allocation for …

Why Roth Retirement Accounts are Very Overrated & Over-hyped
March 2, 2015 | 63 Comments
Why Roth Retirement Accounts are Very Overrated & Over-hyped

Me: Forgive me father, for I have sinned.
Father Finance: You are in a safe place to share your sins, my son. What would you like to confess?
Me: I think Roth retirement accounts are very overrated …

Lifetime Earnings: The First Decade is EVERYTHING
February 25, 2015 | 15 Comments
Lifetime Earnings: The First Decade is EVERYTHING

The New York Fed recently released a landmark study on individual lifetime earnings, called “What Do Data on Millions of U.S. Workers Reveal about Life-Cycle Earnings Risk?
The breadth and depth of the data analyzed – …

Walmart’s Wage Increase Raises the Floor for Low-Wage Worker Pay
February 23, 2015 | 19 Comments
Walmart’s Wage Increase Raises the Floor for Low-Wage Worker Pay

I’ve bashed really big, cash-rich corporations for not paying a livable wage, and offered up some alternative retailers/restaurants that are paying a livable wage. Americans should not settle for pay of less than $10.
Apparently, Walmart …

The Opposite of Compound Returns
February 18, 2015 | 16 Comments
The Opposite of Compound Returns

A while back, I wrote a well-received post on why it is so important to leverage the power of compound investment returns on your savings.
Here’s what I calculated, to make the case:
“$1 saved in your …

Protecting your Identity in an Unprotected World
February 16, 2015 | 7 Comments
Protecting your Identity in an Unprotected World

The string of data breaches last year were alarming. Target, Home Depot, JP Morgan Chase, and EBay all were hacked.
Serious stuff, but the damage was fairly limited to email addresses (at best) and credit card …


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