Online vs. Traditional Banking: Which is Better?

Traditional banks have online offerings, but web-only banks are becoming popular. So, which type of bank is better for you, online vs. traditional banking? According to credit behemoth Discover, 82% of U.S. customers used online banking in the last 30 days. But they aren’t just using a standalone computer for their banking needs; they’re turning […]


3 Reasons to Cheer a Stock Market Crash

The stock market has been on a roller coaster ride this month. Just over a week ago the S&P 500 fell from over 2,100 to below 1,900, a drop of more than 10%. Then it recovered to finish last week at just under 2,000. What a ride! The financial press had a field day. Here […]


5 Ways Early Retirees Can Avoid the 10% Penalty on Early Distributions

One of the conundrums faced by anyone who wants to retire early is the 10% additional tax on certain early distributions from many retirement accounts.  For example, if you retire at 50, you won’t be able to access pre-tax retirement accounts without incurring the 10% additional tax, unless you qualify for one of the exceptions […]


Citi Double Cash Card Review

In the market for a credit card that rewards you for spending and for paying off your balance? This one may just right for you. Read our review below. The Citi Double Cash Card  is a great option if you’re looking for an everyday use rewards card. Like many of today’s cash back credit card […]


The Perfect Asset Allocation Plan

Does the perfect asset allocation exist? Perhaps not, but here’s how to build an asset allocation plan that works for you. All to often we make investing far more complicated than it really is. I was guilty of this when I first started investing back in 1993. Like the search for the Holy Grail, I […]


Review of CommonBond: Crowdfunding for Student Loans

Crowdfunding has come to the student loan world, and it’s being led by a platform known as CommonBond. Based in New York City, CommonBond is a web platform designed to provide student loans to graduate students. CommonBond has funded or refinanced over $200 million in student loans so far. Founded in 2012, the company’s goal […]