Today’s Top Stories

DR 164: Risk Parity Portfolio Construction with Dar Sandler

In his book, Money–Master the Game: 7 Simple Steps to Financial Freedom, Tony Robbins describes what he calls an All Weather Portfolio. It’s very heavy in bonds, commodities, and gold, which makes it a questionable approach to investing. Yet it’s loosely based on an investing approach called risk parity that’s used by Ray Dalio of […]

8 Key Financial Numbers for 2015

As is the case each year, important numbers – related to income taxes, retirement, gifts and Social Security – are adjusted to reflect changes in the Consumer Price Index (CPI) or in regard to changes in the law. The folks at T. Rowe Price put out a cheat sheet on all of these number, and […]

Recent Articles

Debt Avalanche

How to Use the Debt Avalanche with Variable Rate Loans

In what order should you pay down your debts? For those working hard to get out of debt, it’s an important question. Often we focus on either the amount of our debt or the interest rates. But what if the interest rate on a loan can change, either because it’s a variable rate or perhaps a […]

How to Invest in a 401(k)

How to Make the Best of a Bad 401(k)

Investing in a 401(k) plan at work can be a lot like eating at a cheap buffet. There are a lot of options, but they’re all bad. For those trying to hard to keep investing costs down and to invest with a solid asset allocation plan, having bad options in a 401(k) or 403(b) is like […]

Rube Goldberg of Investing

Was Your Portfolio Designed by Rube Goldberg?

When you look at your investment portfolio, does Rube Goldberg come to mind? Goldberg was a Pulitzer Price winning cartoonist famous for drawing complicated contraptions designed to perform a simple task.  In fact, Webster’s New World Dictionary defines a “Rube Goldberg” as a “comically involved, complicated invention, laboriously contrived to perform a simple operation.”   […]

Vanguard Investments

How to Limit Taxes from Mutual Funds and ETFs–An Interview with James Rowley of Vanguard

The tax implications of mutual funds and ETFs can make the tax code look simple. Unlike investing in individual stocks, mutual funds can generate capital gains even when you haven’t sold any shares of the fund. These distributions make asset location–whether to hold certain investments in taxable or retirement accounts–critical. To help us sort through […]

List of Credit Cards that Offer Signup Bonuses

Credit Card signup bonuses offer significant benefits.  Many cards offer bonus miles or points worth $400 or more in statement credit.  Other cards simply offer bonus cash or free airline tickets. A reader named Ben wrote to me recently asking about these bonuses: I’ve been curious about credit card sign on bonuses for a long […]

Herbert Moore of WiseBanyan

Interview With Herbert Moore of WiseBanyan

Imagine that could use an online tool that could help you choose the asset allocation for your investments, whether in an IRA or a taxable account, reinvest all of your dividends, rebalance your portfolio as the value of your investments change, and perform even more complicated strategies, like tax loss harvesting. Now imagine that this tool […]

Tax Loss Harvesting and Robo Advisors

A Guide to Tax Loss Harvesting & Robo Advisors

Tax loss harvesting is one of the few free lunches in the world of investing. With a little planning, you can reduce or even eliminate your capital gains in any given year. In some cases, you may also get a deduction from ordinary income of up to $3,000. Tax Loss Harvesting, sometimes abbreviated TLH, has come […]

7 Ways to Harness the Power of Habit

7 Ways to Harness the Power of Habit

So much of our lives are lived on autopilot. We go about each day pretty much the same way we lived the previous day, and likely how will live tomorrow. From our morning routine to our drive to work, to our coffee break mid-afternoon, to dinner with friends in the evening, our habits control many […]

Betterment vs WealthFront

Betterment vs. Wealthfront

Two of the biggest robo advisors are Betterment and WealthFront.  At first glance they may appear to be virtually identical.  Both create diversifed portfolios with similar low cost ETFs.  Both rebalance your portfolio, reinvest your dividends, and offer tax loss harvesting.  Both have slick, easy to us websites. But there are some significant differences between […]

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.