Automating Investing With a Smart Deposit

One of the newer technologies I’ve come across is the smart deposit feature that some brokers have implemented which I’ve seen referred to as “smart deposit”.   So what is “smart deposit” and how does it work? From a technical perspective, it’s a script that runs a couple times a week or so and looks at …

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Making a Budget That’s Actually Helpful

You’ll often hear Mint touted as a good free budgeting tool within the personal finance community and in my opinion, it is a very nice free tool.   But I think to get the most use from it, requires a bit of customization.   Let me share my strategy for how to use budgeting software to actually …

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Is Betterment’s New “Smart Saver” Plan Really Smart? How to Beat It.

Disclaimer:  I have an affiliate relationship with M1 Finance and may earn a commission on referred new accounts over a certain amount. I’m not a professional financial advisor so always consult with a professional before making any investment decisions to make sure you do what is right for you. Betterment just rolled out a new “Smart …

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Fixing Your Spending Addiction

Obligatory, “I’m not a licensed therapist – go see a doctor if you have issues” disclaimer. I believe that more people deal with addiction than one might suspect.  When I speak of addicts, I don’t just mean hard drugs or the usual suspects like alcohol or gambling.   I believe addiction surrounds us with a variety of …

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The Easiest Quick $20 You Can Possibly Make.

Piggy Bank

This is simply too easy to pass up.    If you sign up for Personal Capital FREE service and link an investment account, you get a $20 Amazon gift card the next day.  That’s it. There’s more to say but it’s almost not even necessary.   Personal Capital is a nice free service I’ve used for …

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Is M1 Finance the Betterment Killer?

M1 Finance compared to alternative robo-advisors

Signs are pointing to “YES”. There are quite a few brokers in the “Robo-Advisor” market these days. Wealthfront and Betterment were among the first. Vanguard has an offering.  Fidelity and Schwab do as well.    I’ve even read recently that E*Trade has jumped on the bandwagon.   I have experience with Wealthfront and Betterment and I …

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Getting Pickpocketed by your Employer’s Retirement Plan?

After leaving a previous employer, it’s going to be tempting to just kick back and relax for a while. The 9 to 5 weighs on your soul and after a termination your brain probably needs to unwind. It’s healthy to unwind a bit. But after a week or two of relaxation, travel, Netflix binging, or …

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Avoid paying off your ARM Mortgage for this one reason.

coins

If you’ve hung around the personal finance communities long enough you’ve probably come across articles that vie back and forth about the rational direction that new money should flow when a mortgage is involved. Pay down the mortgage or invest new money?  Hmmmm. This blurb isn’t about that discussion.   This is about a rather coveted …

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A Review of Mint for Budgeting and Cash-flow Monitoring

Gone are the days where Quicken, MS Money, or Excel are your best options for keeping a watch on your cash.  Quicken still exists and Excel is always going to be an exceptionally powerful analysis tool, but for a FREE online tool, it’s hard to beat Mint (I think Intuit saw the writing on the …

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Why You Should Have 5 Websites or More

The past year I’ve done a lot of experimentation with WordPress and making sites and it’s pretty fun and cheaper than I thought.  The beauty of blogging or building a website is once you understand the basics and have hosting space, setting up a new blog is as easy as securing a domain name (typically …

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