Vanguard Funds and the Impact of Fees on Your Investment

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

Laura and I have never been terribly sophisticated investors – we invested in our 401k accounts at work and generally in some of the ‘4 and 5-star’ mutual funds at Fidelity, which is where we had a few accounts for a number of years, but aside from that we did very little research on precisely…

Save at Least 20% of your Income to Live Within your Means

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

In our opinion, if you aren’t saving 10% of your income for retirement and at least another 10% of your income for savings/emergency fund/college/investing/etc., then your financial life is out of balance and you are definitely living beyond your means. Most people start with their take-home pay, deduct out all their various monthly expenses and…

Lending Club for Fun and Profit

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Disclosures.

We recently started exploring the industry known as Peer-to-Peer (P2P) Lending, and the more we learn about it the more excited we become by the industry as a whole, and specifically by the market leader Lending Club. It’s still early on, but we’re earning over a 15% annualized return on our money so far, with…