thefinancebuff.com thefinancebuff.com

thefinancebuff.com

The Finance Buff

A blog about saving money, spending money, insurance, investing, taxes and other topics related to personal finance.

http://www.thefinancebuff.com/

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The Finance Buff | thefinancebuff.com Reviews
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The Finance Buff | thefinancebuff.com Reviews

https://thefinancebuff.com

A blog about saving money, spending money, insurance, investing, taxes and other topics related to personal finance.

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thefinancebuff.com thefinancebuff.com
1

The Best Of Collection - The Finance Buff

http://thefinancebuff.com/best-of-collection

Like a friend telling you about money . The Best Of Collection. Of more than 700 articles. I wrote since 2006, these are the best ones nominated by the readers. NetSpend Prepaid Card 5% Savings Account. 8211; Earn a good return on safe money with minimal work. Brinks Prepaid MasterCard 5% Savings Account. 8211; After getting up to 3 NetSpend cards, you can get two more Brinks cards. The Case Against Roth 401k. 8211; Usually it’s better to stick with pre-tax traditional 401k. The Elusive Mega Backdoor Roth.

2

Traditional >= Roth >= Taxable

http://thefinancebuff.com/traditional-vs-roth-vs-taxable.html

Like a friend telling you about money . Traditional = Roth = Taxable. March 10, 2015. I included this article by Christine Benz, Director of Personal Finance at Morningstar, in a weekly digest email to subscribers: 6 Key Reasons Why Investing in a Taxable Account Is Underrated. I said I disagreed with every reason given in the article. Several subscribers asked me to elaborate why. By the way if you are not subscribing to the blog by email. It’s easy to see why a Roth account is preferable to a tax...

3

Borrow 30-Year and Invest The Difference

http://thefinancebuff.com/borrow-30-year-and-invest-the-difference.html

Like a friend telling you about money . Borrow 30-Year and Invest The Difference. June 18, 2012. Reader Dan left this comment on my post last week about paying a 30-year loan on a 15-year schedule. Having your house paid off in 15 years instead of 30 will provide peace of mind in 15 years. But at what cost? The opportunity cost of locking that money up in the equity of your house could be significant if you invest the difference. Reader Heidi also asked:. Bob refinances a $400k mortgage in California&#46...

4

Conversion Options In Term Life Insurance

http://thefinancebuff.com/term-life-insurance-conversion-options-worth-it.html

Like a friend telling you about money . Conversion Options In Term Life Insurance. June 30, 2015. As I mentioned in a previous post, I’m buying term life insurance from Ohio National. Ohio National sells two types of tem life policies: a regular or basic term policy and a Term Plus policy. What’s the difference between the basic policy and the Plus policy? Suppose I develop some illness, such as cancer, that shortens my life expectancy but doesn’t kill me before the level-premium term ends. By ...During ...

5

The Largest 529 Plan And The Power Of Distribution

http://thefinancebuff.com/largest-529-plan.html

Like a friend telling you about money . The Largest 529 Plan And The Power Of Distribution. July 28, 2015. While looking at 529 plan information, I came across an interesting tidbit. It also tells us something about investing in general. Every state has a 529 plan. Some states have more than one plan. Which state has the largest 529 plans in terms of total assets? The state with the largest population? Is it New York. Whose plan is often ranked as the best in the country? Hands down by a mile. Virginia&#...

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leightpf.wordpress.com leightpf.wordpress.com

What to do with extra monthly and bonus cash flow? – Leigh's Financial Journey

https://leightpf.wordpress.com/2011/12/23/what-to-do-with-extra-monthly-and-bonus-cash-flow

Leigh's Financial Journey. What to do with extra monthly and bonus cash flow? December 23, 2011. December 22, 2011. Split the money up three ways into investments, pre-paying the mortgage, and saving for a 20% down payment on a house. Split the money up 50/50 into investments and pre-paying the mortgage. Split the money up 50/50 into pre-paying the mortgage and saving for a 20% down payment on a house. Invest all of the money. Use all of the money to pre-pay the mortgage and pay it off really quickly.

leightpf.wordpress.com leightpf.wordpress.com

Why I picked an ARM or Adjustable Rate Mortgage – Leigh's Financial Journey

https://leightpf.wordpress.com/2012/03/12/why-i-picked-an-arm-or-adjustable-rate-mortgage

Leigh's Financial Journey. Why I picked an ARM or Adjustable Rate Mortgage. March 12, 2012. March 11, 2012. Note: This post was originally written and meant to be posted around closing on the condo. I’ve adjusted it so that it still makes sense and in hopes that my thought process helps someone else, even if I didn’t end up closing on the loan. One credit union had ridiculously high closing costs in comparison to the other one (higher origination fee by 1% (! I ran the numbers listed above for a 30 year ...

unaffiliatedparty.org unaffiliatedparty.org

Donate | Unaffiliated Party

https://unaffiliatedparty.org/donate

We appreciate any donations that are submitted to the Unaffiliated Party. We will use your support to create further designs, free promotional materials and to continue with the day to day operations required to keep the young movement going. We thank you in advance with your aid in our mission to make politics approachable to a new broad spectrum of Americans. All donations are processed securely through Paypal. Leave a Reply Cancel reply. Enter your comment here. Address never made public). Join 1,773 ...

leightpf.wordpress.com leightpf.wordpress.com

Leigh – Leigh's Financial Journey

https://leightpf.wordpress.com/author/leightpf

Leigh's Financial Journey. Layoffs: one door closes and a window opens. Note: This is more personal than most posts that I write here. It has been multiple months since the layoff happened now and I’m in a pretty reasonable place emotionally at this point, though triggers do still happen sometimes and publishing this post last week was a trigger in the few seconds that it went live, which is why I held off on publishing it for a week. It is so wonderful to not worry about those in this strange time.

sweetbugfarm.com sweetbugfarm.com

sweetbugfarm: wildlife

http://www.sweetbugfarm.com/2012/07/wildlife.html

Little sister: Papa, what did you do at work today? Papa: I took Bodie out for a run, had a few meetings, talked to the turkeys. Little sister: Why did you talk to the turkeys? Papa: Just in case. If turkeys could talk, what would you say to them? Little sister: I would tell them that I love unicorns! Subscribe to: Post Comments (Atom). View my complete profile. Center for a new American Dream. The rhythm of family. Asparagus and ramp skillet souffle. Food in the food desert. Greetings from Oak Meadow!

sweetbugfarm.com sweetbugfarm.com

sweetbugfarm: yes, we're still here!

http://www.sweetbugfarm.com/2012/06/yes-were-still-here.html

Yes, we're still here! And it's good to be back. Still working on the photo end of things with a not-so-helpful computer, so bear with me. It may be a while still in black and white. Up this week we are going to get into a meal plan maybe for a little while yet. I read a great article in Real Simple a few months back (I looked ALL OVER for this article online to no avail I'll check the library and get back to you! Why do I have so much stuff? More food, more things, more clothing and more toys (! We are ...

rothmania.net rothmania.net

About

http://rothmania.net/about

I have been writing at JoeTaxpayer for over five years and at the site I try to maintain a variety of topics. I’ve found that there’s so much discussion to be had surrounding the Roth IRA that I’ve decided to launch another site to narrowly focus on this important retirement option. Roth Mania gets its title from the crazy amount of attention this retirement account has been getting. Comments… add one now. Notify me of followup comments via e-mail. Notify me of new posts by email. On The Spousal Choice.

rothmania.net rothmania.net

The Spousal Choice

http://rothmania.net/spousal-choice

September 2, 2013. Men, on average, live about 5-7 years less than women. So, for purposes of this discussion, we’ll look at the choices when a woman inherits her deceased husband’s IRA. It’s a unique decision. When an IRA is inherited from a spouse, you have the choice of treating it an an inherited IRA or treating it as your own. There are pros and cons to each type of account, and the wrong decision can cost you. There’s actually an RMD, a required minimum distribution. IRA moved to your name. Too oft...

rothmania.net rothmania.net

Topping off your bracket with a Roth Conversion

http://rothmania.net/Topping

Topping off your bracket with a Roth Conversion. September 19, 2012. Today, let’s look at one of the strategies where a Roth conversion makes good sense. You are single, retired, and currently taking your required minimum distributions. You find that your taxable income puts you at a marginal 15%. Back to the tax table –. Any questions regarding this strategy? Comments… read them below or add one. September 20, 2012 at 6:14 am. Joe, what about taxation of social security benefits? Article, where I chart ...

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Like a friend telling you about money . Tax Efficiency: Relative or Absolute? Lending Club vs Bank Account with FDIC Insurance. No Tax Advantage In RSU. Borrow 30-Year and Invest The Difference. Traditional = Roth = Taxable. Staying In Your Job After Financial Independence. August 11, 2015. The Millionaire Next Door Misinterpreted. August 4, 2015. The Largest 529 Plan And The Power Of Distribution. July 28, 2015. While looking at 529 plan information, I came across an interesting tidbit. It also tell...

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