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What If Your Income Is Too High for an IRA?

High-earners are in something of a Catch-22 when it comes to saving for retirement. On one hand, they have the extra income available to fully fund tax-deferred retirement vehicles — but that extra income often disqualifies them from the accompanying tax breaks. The IRS limits tax-deductible contributions to Traditional IRAs to those individuals who earn $69,000 or less, and married couples who earn $115,000 or less. Roth IRA contributions are limited to individuals who are making less than $12...
Tags: Retirement, Marketing, Investing, David, Ira, Sam, Money Management, Irs, ROTH IRA, Backdoor Roth IRA


Should You Convert to a Roth During a Down Market? 

If you’re a high earner or invest in a traditional IRA, you might be planning to convert your account to a Roth for some tax savings and easy access to your contributions, depending on your circumstances. When to convert, though, is a question with a million different considerations. There’s no perfect time, of…Read more...
Tags: Personal Finance, Money, Retirement, Investing, Ira, Lifehacks, ROTH IRA


Redfin invests in tech-enabled contracting startup Pro.com

Pro.com announced a new $33 million round of funding, saying the infusion would fuel rapid expansion into new markets over the coming years.
Tags: Investing, Radio, Contracting, Pro.com, Redfin, Industry News, Select, News Brief, Home Remodeling, Redfin Concierge Services, RedfinNow


Peter Mallouk — Exploring the Worlds of Investing, Assets, and Quality of Life (#356)

“You spend the first 20 years of being rich accumulating all of this stuff. And then you’ll spend the next 20 years trying to get out of one thing after another to simplify your life.” — Peter Mallouk Peter Mallouk (@PeterMallouk) is the President of Creative Planning, one of the largest independent wealth management firms in […]
Tags: Lifestyle, Investing, The Tim Ferriss Show, Peter Mallouk, Investing Strategy, Peter Mallouk Peter Mallouk


John Bogle's Investing Philosophy Is Still the Best

John C. Bogle, founder of the Vanguard Group and creator of the index mutual fund for individual investors, died Wednesday. He was 89.Read more...
Tags: Investing, Lifehacks, Index Funds, Vanguard Group, John C Bogle, John Bogle, Bogle, Bogleheads


5 Tips for Saving Money When You Have Low Income

Most of us want to save money so we can build wealth and plan for the future. We have goals we want to reach (like traveling) or things we want to buy (like a dream home). However, this can seem impossible when you’re surviving on low income. According to CNN, 25 million American households are living paycheck to paycheck. When money is tight, saving any amount can be the last priority on your list. You’re just trying to get by. So how do you save more money when you’re making minimum wage? How...
Tags: Motivation, Saving Money, Marketing, Debt, Investing, Cnn, David, Frugality, Irs, Make Money, EITC, Better Yourself


Roofstock hires former Tesla executive to run operations

Rapidly growing real estate investment company Roofstock has tapped a former Tesla executive to help run and scale up operations.
Tags: Investing, Investment, Tesla, Radio, Rentals, Industry News, Select, News Brief, Roofstock, Gary Beasley, Fiona Taylor


Pick the Target-Date Fund That Aligns with Your Goals, Not Just Your Retirement Year

It might be time to rethink which target-date fund you’re investing in with a different calculation in mind.Read more...
Tags: Personal Finance, Money, Retirement, Investing, Lifehacks, Target Date Funds


Simplify Your Investments with the 3-Fund Portfolio

One of the key questions of investing is, naturally, what exactly to invest in. You know it should be a mutual fund, right? And you’ve heard that “low cost” and “diverse” are good. But what does that actually look like? Spend a little time on personal finance message boards for help, and you’re sure to come across…Read more...
Tags: Personal Finance, Money, Investing, Lifehacks, Bogle


CD vs Bond Fund, Five Years Later

Back in December 2013 and January 2014, I bought 5-year CDs from Pentagon Federal Credit Union (PenFed). Those CDs paid 3% APY when other 5-year CDs were paying a little over 2%. The yield on a bond fund, such as Vanguard Total Bond Market Index Fund, was about 2.3% at that time. I bought the PenFed CDs because I estimated that regardless what interest rates would do over the ensuing five years, chances were slim that the bond fund would beat the PenFed CD. If rates stayed low, the bond fund wou...
Tags: Marketing, Investing, Cd, Ira, Bonds, Fed, Vanguard, Education Savings Account, Navy Federal Credit Union, APY, Pentagon Federal Credit Union, Vanguard Total Bond Fund PenFed, Annualized, Vanguard Total Bond Market Index Fund


Chart: Stock Market Declines Are More Common Than You Think

If you invest in stocks, you know that they go up and down. Below is an S&P 500 histogram (source) showing the distribution of annual returns, which were negative 1/3rd of the time (and thus positive 2/3rd of the time). Not bad, you’ll take those odds, right? But as the last part of 2018 showed us, returns aren’t all about January to December. There can be big swings in a single month or two which leave people stressed or even panicked. Dimensional Fund Advisors (DFA) had an article abou...
Tags: Marketing, Investing, DFA


Best Countries To Invest In For 2019

Are you considering investing money abroad in the new year? Whether you’re an experienced investor or a total novice, it’s imperative that you familiarise yourself with the current investment climate… Read more » The post Best Countries To Invest In For 2019 appeared first on Noobpreneur.com.
Tags: Business, News, Investing, International Business, Business Investing


Blooom Review 2019: Free 401k Analysis + Human CFP Financial Advice For $10 a Month

Does the New Year have you motivated to give your retirement account a tune-up? As opposed to many other online advisors, Blooom.com (with three Os) focuses on providing advice for 401k, 403b, 457, and TSP accounts by offering both a free 401k analysis and charging a flat $10/month fee for ongoing portfolio management and CFP advice. They don’t require you to move any money over to them. Free 401k analysis screenshots. Anyone can sign up for their free 401k analysis with no commitment. ...
Tags: Reviews, Retirement, Marketing, US, Investing, CFP, Morse, Deals & Offers, Blooom


How (and Why) to Start Investing Right Now 

If you’re like the average American, you’re already losing a bit of steam on your New Year’s resolutions. Rather than fret over all of the ways you’re not measuring up, though, cross an easy one off of your list, and invest a little extra money.Read more...
Tags: Personal Finance, Money, Goals, Investing, Lifehacks, Resolution


Kaleido Bio and Cirius Join an IPO Queue Stalled by Federal Shutdown

The partial government shutdown may have diminished staffing at the SEC, but it hasn’t dimmed the hopes of biotech firms hoping to go public. On Friday, Kaleido Biosciences and Cirius Therapeutics both filed paperwork for their respective initial public offerings with the securities regulator.While it’s operating with “very limited staff” due to the shutdown, the SEC’s electronic system for regulatory filings is still up and running. Kaleido and Cirius join a handful of biotechs that have filed...
Tags: Startups, Drugs, Ipo, Boston, Trends, Investing, SEC, Biotech, Government Shutdown, Microbiome, Life Sciences, Clinical Trials, Frazier Healthcare Partners, National blog main, Boston blog main, Boston top stories


PeerStreet Review: Diversify Your Portfolio With Real Estate

If you're looking for higher returns and to diversify beyond a portfolio of stocks and bonds, Peerstreet can provide an attractive alternative. The post PeerStreet Review: Diversify Your Portfolio With Real Estate appeared first on Bible Money Matters and was written by Kevin Mercadante. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
Tags: Real Estate, Review, Marketing, Investing, PeerStreet, Kevin Mercadante, Real Estate Crowdfunding


Best Interest Rates on Cash – January 2019

Here’s my monthly roundup of the best interest rates on cash for January 2019, roughly sorted from shortest to longest maturities. Check out my Ultimate Rate-Chaser Calculator to get an idea of how much extra interest you’d earn if you are moving money between accounts. Rates listed are available to everyone nationwide. Rates checked as of 1/9/18. High-yield savings accounts While the huge megabanks like to get away with 0.01% APY, getting higher rates is as easy as transferring money electronic...
Tags: Marketing, US, Investing, Banking, Treasury, SEC, Bill, Short, Vanguard, FDIC, Ultra, Bil, CIT Bank, Deals & Offers, Ally Bank, APY


Beta Bionics Secures $63M as AI-Driven “Pancreas” Heads to Key Tests

Beta Bionics, a startup developing a medical device that monitors and manages blood sugar levels in diabetes patients, has closed $63 million to back late-stage clinical tests of its AI-powered technology.The cash tops off a Series B round of funding announced last year. The Boston company, which counts diabetes drug giants Eli Lilly (NYSE: LLY) and Novo Nordisk (NYSE: NVO) among its investors and partners, says the capital will support Phase 3 studies of its device this year, and if all goes w...
Tags: Deals, Startups, Boston, Trends, Investing, Vc, Software, Diabetes, Venture Capital, Fda, Biotech, Novo Nordisk, Medical Device, Wearable Devices, Medtech, Life Sciences


Bio-JPM Roundup: Lilly Buys Loxo, Sage’s Stock Soars, ALS Cash & More

The flow of biotech news is particularly heavy today, and for good reason. The annual J.P. Morgan Healthcare Conference, one of the biggest gatherings for the biopharmaceutical industry, kicked off today in San Francisco, and many companies, whether they’re speaking at the event or not, use this time to get their news out.Xconomy is on the ground covering the conference this week. In the meantime, here’s a short roundup of biotech news announced today.DEALS AND DATA—Eli Lilly (NYSE: LLY) is pay...
Tags: Deals, Startups, San Francisco, Trends, Investing, Vc, Venture Capital, Fda, National, GlaxoSmithKline, Biotech, Postpartum Depression, Life Sciences, Clinical Trials, Celgene, Gilead Sciences


EquityMultiple Review: Leveling the Playing Field for Individual Investors

If you’re an accredited investor looking to diversify into commercial real estate, EquityMultiple let's you choose the deals you invest in. The post EquityMultiple Review: Leveling the Playing Field for Individual Investors appeared first on Bible Money Matters and was written by Kevin Mercadante. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
Tags: Real Estate, Review, Crowdfunding, Marketing, Investing, Commercial Real Estate, Accredited Investors, Kevin Mercadante, EquityMultiple Review


The Slow and Steady passive portfolio update: Q4 2018

T he trouble started just after the last update of our Slow & Steady passive portfolio. We took a hit in October, staggered on through November, then went down like a sack in December. News reports made the market turmoil sound like the Charge of the Light Brigade. The result of this butchery? Our passive portfolio turned in its worst ever annual performance. We were down 3% on the year. Quick, send in the trauma counsellors! Do not adjust your sets As a rule of thumb, we should expect our e...
Tags: UK, Marketing, Investing, Jack, Brexit, Gore, Trump, Fed, Index Funds, Vanguard, Passive investing, Monevator, Asset-allocation, SSPU, Vanguard UK Government Bond Index, Vanguard UK Inflation Linked Gilt Index Fund


Groundfloor Review: Can They Really Deliver 10% Returns?

The Groundfloor website says they can nail down over 10% real estate investment returns for you. How realistic is that, and is it a company you should try? The post Groundfloor Review: Can They Really Deliver 10% Returns? appeared first on Bible Money Matters and was written by Kevin Mercadante. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
Tags: Real Estate, Review, Crowdfunding, Marketing, Investing, Flipping, Kevin Mercadante


2 Behavioral Biases That Are Making You Lose Money

One of the most interesting areas of finance is called behavioral finance, which is the study of how our behaviors can influence the outcomes of our portfolios. According to H. Kent Baker and Victor Ricciardi in The European Financial Review, there are several behavioral biases that can impact your investment portfolio and result in lower returns. Here are two of those biases: 1. Representativeness According to Baker and Ricciardi, this bias results when you label an investment “good” or “...
Tags: Advice, Marketing, Investing, Money Management, Baker, Familiarity, Ricciardi, Kent Baker, Victor Ricciardi, European Financial Review


Try a 52-Week IRA Challenge in 2019

Two Cents readers are likely familiar with the 52 week money challenge—you increase your savings by $1 every week for a year. The first week you save $1, the next week you save $2, and so on, until you’ve accumulated $1,378 by the end of the year.Read more...
Tags: Personal Finance, Money, Retirement, Savings, Investing, Challenge, Ira, Lifehacks


Rich Uncles Review: Making Real Estate Investing Easier and Less Expensive

With the stock market being a financial roller coaster, diversifying beyond stocks and bonds is a rational strategy. Rich Uncles could be the way to do it. The post Rich Uncles Review: Making Real Estate Investing Easier and Less Expensive appeared first on Bible Money Matters and was written by Kevin Mercadante. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
Tags: Real Estate, Review, Marketing, Investing, Kevin Mercadante


Tizona Lands $105M from AbbVie in Cancer Drug R&D Alliance

A cancer immunotherapy teed up for clinical trials by Tizona Therapeutics is now the centerpiece of a new partnership with AbbVie, which is paying the startup $105 million up front.In addition to the cash paid to South San Francisco, CA-based Tizona, AbbVie (NYSE: ABBV) said Thursday that it has made an equity investment in its partner. The amount of the investment wasn’t disclosed.Tizona develops drugs intended to inhibit the activity of enzymes on the surface of tumor cells that suppress the ...
Tags: Deals, Startups, Drugs, Cancer, San Francisco, Trends, Investing, Fda, Abbvie, Biotech, Life Sciences, Clinical Trials, Roche, South San Francisco CA, National blog main, San Francisco blog main


Tiburio Launches from Cydan with $31M to Tackle Pituitary Tumors

Biotech startup creator Cydan is unveiling a new company, Tiburio Therapeutics, which is backed by $31 million to support its work on treatments for rare endocrine diseases.Cambridge, MA-based Cydan was started by New Enterprise Associates (NEA) six years ago to scour the world for compounds that can be turned into rare disease treatments, and to form companies around the most promising drug candidates.Tiburio’s lead drug, TBR-760, was licensed from Ipsen, which had developed the drug for a typ...
Tags: Deals, Drugs, Boston, Trends, Startup, Investing, Venture Capital, Cambridge, Fda, Biotech, New Enterprise Associates, Life Sciences, Clinical Trials, New Enterprise Associates NEA, Alexandria Venture Investments, Ipsen


My Money Blog Portfolio Asset Allocation and Performance Tracking, Year-End 2018

Here’s my final quarterly portfolio update for Q4 2018. This is how I track my real-world holdings, including 401k/403b/IRAs and taxable brokerage accounts but excluding our house, cash reserves, and a few side investments. The goal of this portfolio is to create enough income to cover our household expenses. As of 2018, we are “semi-retired” and have started spending a portion of our dividends and interest from this portfolio. Actual Asset Allocation and Holdings I use both Personal Capit...
Tags: Retirement, Goals, Marketing, US, Investing, Vanguard, Holdings, US China, WisdomTree, US Small Cap Value, US Real Estate REIT Bonds Breakdown, US Treasury Inflation Protected Bonds, US Small Value and Emerging Markets, Foreign Developed, Vanguard LifeStrategy Growth Fund


Asset Class Returns by ETF, 2018 Year-End Review

Another one in the books! I don’t track the market daily as I think the discussion is full of noise and after-the-fact justifications. I check my portfolio quarterly to see where to reinvest dividends. At the end of the year, I like to record the annual returns for select asset classes as benchmarked by passive mutual funds and ETFs. Here is the 2018 data taken from Morningstar after market close 12/31/18. Commentary. In 2017, the performance of every asset class was positive. The low...
Tags: Marketing, US, Investing, Treasury, US Treasury, Morningstar, US Treasuries, US Treasuries T Bills, VTI Total US


Realty Mogul Review: The Small Investor’s Path to Commercial Real Estate Investing

Are you a small investor looking to diversify beyond stocks and bonds? Realty Mogul will let you spread your investment wings into commercial real estate. The post Realty Mogul Review: The Small Investor’s Path to Commercial Real Estate Investing appeared first on Bible Money Matters and was written by Kevin Mercadente. Copyright © Bible Money Matters - please visit biblemoneymatters.com for more great content.
Tags: Real Estate, Review, Marketing, Investing, Reits, Kevin Mercadente