The ACA (Obamacare) Survives. But is it Actually Working?
Tue, 06/30/15 | 11 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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What is Private Mortgage Insurance (PMI)? And how can you Avoid or Get Rid of it?
March 6, 2012 | 25 Comments
What is Private Mortgage Insurance (PMI)? And how can you Avoid or Get Rid of it?

When you go to buy your first home, the topic of private mortgage insurance (PMI) will assuredly come up.
It’s a dirty little three-letter acronym associated with your pending mortgage that you should know inside out.
Why?
What …

Accessibility of Information & the Death of the Dumb Card
March 5, 2012 | 12 Comments
Accessibility of Information & the Death of the Dumb Card

One thing I love about the Inter-webs is that people no longer have an excuse to play the “dumb” or “uneducated” card.
The accessibility of information is so prevalent that you can find an answer to …

Is the U.S. Vs. International Stock Allocation 80/20 Rule a Conspiracy?
February 29, 2012 | 15 Comments
Is the U.S. Vs. International Stock Allocation 80/20 Rule a Conspiracy?

U.S. Versus International Stock Allocation
How much international stock exposure should you have?
It’s a great question. And I’ve been looking into my own foreign stock allocation lately.
In my research, I found Vanguard’s “Considerations for investing in …

Betterment Significantly Lowers Fees & Adds IRA’s: Are you a Believer?
February 28, 2012 | 10 Comments
Betterment Significantly Lowers Fees & Adds IRA’s: Are you a Believer?

My Betterment Review
I’ve had a number of friends rave about Betterment.com, suggesting that I should do a review of the online investment broker here on 20somethingfinance.com for their ease of use and simplicity for beginning …

Social Security Payroll Tax Cuts Extended through the Rest of 2012: What will you do with your Extra 2%?
February 27, 2012 | 8 Comments
Social Security Payroll Tax Cuts Extended through the Rest of 2012: What will you do with your Extra 2%?

Update: the payroll tax cut is no longer in effect.
Under the Middle Class Tax Relief and Job Creation Act of 2012, enacted this past week in a rare bi-partisan support (293 to 132 vote in …

5 Stupid Post Grad Financial Mistakes I Made & the Lessons Learned (for you to Avoid)
February 23, 2012 | 15 Comments
5 Stupid Post Grad Financial Mistakes I Made & the Lessons Learned (for you to Avoid)

I’m on decent financial footing at the moment.
And I like to think that my financial decisions these days are based on sound reason.
But it wasn’t always that way.
Like most recent college grads I did some …


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