Archives for February 2012

The 35 Best Online Colleges and Universities

Twenty years ago, the only way to obtain a college education was to do it the old fashioned, and expensive way.  Admittance to college came through the submission of an application through the mail (and usually with a check of $50 or more) and after completing your four year, 120 credit degree, you’re provided a […]

Published or Updated: June 6, 2013

Get Organized with

Update: Manilla closed its doors on July 1, 2014. You can find alternatives to Manilla here. Personal finance is a lot more complicated than when I was growing up. My parents didn’t have to mess with a 401(k), cell phone or internet bills, credit card rewards, or daily deal coupons. Today, you practically need a […]

Published or Updated: May 23, 2016

Betterment Just Got Much Better

When I first reviewed Betterment I gave it mixed reviews. On the positive side, it is very easy to use, has a solid investment strategy, and allows you to invest with little money. On the negative side, however, it didn’t offer international exposure and its cost was just too high. I even spoke to Betterment’s […]

Published or Updated: November 2, 2015

My Experience with Nationwide’s Vanishing Deductible

I‘ve had my car insurance through Nationwide for nearly 30 years. While my rates have always been great because of multiple discounts, that all changed when our children started driving. With four cars and two teenagers, we were paying about $500 a month! And that’s even with three cars that are seven to 10 years […]

Published or Updated: February 21, 2012

Is Buying Gold and Silver a Smart Investment?

Two articles were recently published that took contrary views on investing in gold and silver. Both articles, which I’ll discuss in a minute, offer important insight into buying precious metals. Although not in large quantities, I’ve purchased silver American Eagles over the past two years and plan to buy gold American Eagles this year. Given […]

Published or Updated: April 6, 2013

Saturday Night at the Movies: How to Make Impossibly Difficult Decisions (The Matrix)

Saturday Night at the Movies uses great films to explore some aspect of personal finance. Published Saturdays at 7 PM, get your front row seat by subscribing to The Dough Roller. The Matrix is a movie about finding the truth. The Matrix follows a band of freedom fighters as they battle a surreal establishment with […]

Published or Updated: February 19, 2012

Where and How to Refinance an ARM into a Fixed Rate Mortgage

Welcome to our week-long series on refinancing your mortgage. In this last of five articles, we look at when and how you should refinance from an adjustable rate mortgage into a fixed rate loan. Adjustable rate mortgages are a two-edged sword. You get an initial mortgage rate lower than what you’d find on a fixed […]

Published or Updated: February 16, 2012

7 Obstacles to Refinancing Your Mortgage (And How to Overcome Them)

Welcome to our week-long series on refinancing your mortgage. In this fourth of five articles, we look at some obstacles to refinancing and how to overcome them. With current mortgage rates at historic lows, refinancing your home loan can be a really easy way to save a bundle of money. Unfortunately, there are a number […]

Published or Updated: February 16, 2012

FHA Streamline Refinance

Welcome to our week-long series on refinancing your mortgage. In this third of five articles, we look at the FHA Streamline Refinance program. Yesterday we looked at the Home Affordable Refinance Program. Called HARP, this program helps homeowners who have an underwater mortgage lower their interest rates. But it only applies if your mortgage is […]

Published or Updated: February 16, 2012

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