How Can Couples Budget When One Person Is Self-Employed?

Budgeting is fairly easy when both parties are salaried and have consistent income streams. Simply account for your incomes, deduct your recurring monthly expenses, automate savings and investments, and you’re pretty much done. Easy, right? However, budgeting gets tricky for couples when one (or both) of them has an irregular income stream. Budgeting is even […]

Which Protects You Better: a Security Freeze or Credit Monitoring?

Your gym locker has a combination… why not your credit report? You may be surprised to know that, by default, something as important as your credit report at Experian, Equifax, or TransUnion is NOT secured with a PIN or password.  So, what can you do to protect this information? You probably already realize just how […]

My Experience With the Vanguard Advisory Services

This review of Vanguard Personal Advisor services is based on my actual experiences.  I migrated my spouse’s portfolio to Vanguard and considered using its advisor service to maintain that portfolio.  The portfolio was held at a large, full service broker and was being charged an annual fee of 1.5% of assets under management.  By comparison, […]