Today’s Top Stories

How to Pass the Series 65 Exam

Earlier this month I took the Series 65 exam. The test is designed for those who want to become investment advisors to manage other’s investments. In response to a number of email from my newsletter subscribers (I mentioned the exam in a newsletter), I thought I’d share my experience studying for and taking the exam. […]

DR 109: The 5-Year Rule on Roth IRA Conversions

The 5-year rule on Roth IRA distributions comes in two flavors. The first applies to earnings from Roth IRA contributions. We covered the rule in Podcast 105. The second aspect of the rule applies to distributions of Roth IRA conversions. That’s what we’ll look at today. Listen to this Article 1. The Two 5-Year Rules […]

Recent Articles

IRA Recharacterization

DR 102: 4 Times Recharacterizing an IRA Conversion or Contribution Can Save Your Bacon (Literally)

One of the best retirement savings tools is often overlooked. The tool can save you thousands of dollars in taxes and sleepless nights if you made a mistake with your IRA. And yet according to a 2010 study by Fidelity less than one-third of investors are aware of this tool. I’m referring to what’s called […]

Best Interest Rates

Best Interest Rates for September 2014

Finding the best interest rate is a lot easier today than it was even a few years ago. Here at Dough Roller we track rates on everything from checking and savings accounts to mortgages to CDs. It occurred to me, however, that there was no one single page on the site where you could find […]

how to use an HSA

DR 101: Should You Use an HSA for Retirement Savings

Should you use a Health Savings Account (HSA) to save for retirement? That’s the question a listener to the Dough Roller Money Podcast asked recently. Here’s Mike’s email: Hi Rob, I have a question about my HSA at work. I have about $14,000 in it. I have not used it at all in the past […]

Amazon Rewards Visa

Amazon.com Rewards Visa Card Review

A reader named Harold emailed my recently. We discussed a number of topics, one of which was the Amazon.com Rewards credit card. Here’s what Harold had to say: would mention one more to you..the Amazon visa. I’ve been using it over the past year and very happy with it. You get 1% match on everything, […]

Personal Capital You Index

How to Calculate Investment Returns–A Simple Approach

I‘ve had several readers email me about how to calculate investment returns. It seems like it should be a simple task. We all have ready access to our mutual fund and brokerage accounts. These accounts often report a performance measure of some sort. Surely we can bring all of this information into one place to […]

Improve your finances

DR 100: 100 Ways to Improve Your Finances (Most in Under 10 Minutes)

To commemorate the 100th episode of the Dough Roller podcast, I pulled together 100 ways to improve your finances. Let’s get started. 1. Balance your checkbook: Balancing a checkbook helps you focus on where you’ve spent your money and it ensures your bank hasn’t made any mistakes. With the help of budgeting tools such as […]

Debt Consolidation Top Purpose for Loans

Should You Consolidate Debt with LendingClub or Prosper?

LendingClub recently launched a new section of its website that lists statistics about borrowers and lenders. One data point that caught my eye is that about 50% of all LendingClub loans are for debt consolidation. Actually, at one point nearly 60% of all borrowers reported that they intended to use the loan to consolidate debt, […]

5 year Roth IRA Rule

DR 099: 5 Gotchas with Commissioned Based Brokers

A reader we’ll call Frank recently emailed me about his advisor (we covered part of his email about dividends here). She had placed him in A shares of American Fund mutual funds. This told me he was working with a commissioned-based broker, as these mutual funds charge a sales fee of 5.75% to compensate the […]

VTSMX Dividend Yield

DR 098: Dividend Investing (Part 2): Mutual Funds and Dividends

We began our series on dividend investing by examining the ins and outs of dividends. Today we continue the series by looking at how dividends work with mutual funds and whether the yield on a fund should be a key consideration in our investing decisions. This topic came to light from an email I received […]

Welcome to the Dough Roller

Founded in 2007 by Robert Berger, the Dough Roller has become a popular personal finance blog read by millions each year. We bring you the best tips, resources and news to help you make the most of your money. Our content has been featured by the likes of MSN Money, Yahoo! Finance, Business Insider, and U.S. News. The site's rich resources are organized into the following key topics: banking, credit, credit cards, insurance, investing, mortgages, personal finance, retirement, smart spending, and taxes. Don't hesitate to ask a question or offer a tip or connect with Rob on Google+, Facebook, Twitter, or LinkedIn.