The Power of the “Bills” Account
I’m a big fan of responsible credit card use. (Unlike some financial “gurus.”) With a few cards offering 5% cash back and most good credit cards offering 1-2% back on …
Spencer
Lending Club Review – 2 Years, 6.23% Return, 5 Loans Charged Off
Be sure to check out my Lending Club review from 6 months ago and my analysis of charged off (defaulted) LC notes. Lendingclub.com continues to deliver superior investment returns while minimizing risk. …
Roth TSP vs. Roth IRA
A buddy of mine recently asked: Can you double dip Roth TSP and Roth IRA? (Contribute the maximum to both plans in one year) YES! Technically, I wouldn’t call it …
BedinaBox.com Review – PacDown PacBed Memory Foam Mattress
Update for January 2017: After sleeping on my Bed in the Box for a few months, I started experiencing dead arm, back problems, and other issues. I no longer sleep …
Why I’m Funding My Roth IRA and Not My Wife’s (For Now!)
Kate Horrell asked a great question on my 1 year financial plan post: Spencer, I’d love to hear your logic about funding your IRA over your wife’s IRA. You have …
My 1 Year Plan – Where I Want to Be Financially on Dec 31, 2013
Planning for the future is probably the greatest personal finance tool you have. When you think about where you want to be in a month, in a year, in 5 …
Releasing a Cosigner from a Navient Student Loan
To be eligible for student loans (especially private loans) a cosigner with a longer and more established credit history is required. Sometimes it makes sense to have a relative as …
2012 State of the Website
I started the Military Money Manual in April 2012. In the 9 months since it started, I’ve seen it grow from 220 visitors per month to nearly 2000 in December. It’s …
How to Lower your Time Warner Cable Bill
I love Reddit.com because it shows the power of the “wisdom of the crowd.” Anyone can post anything they want and the users of the site vote content up and …
What is a landlord looking for when they run a credit check?
This question was recently posed on reddit.com, in the Personal Finance section. The questioner asked what credit score landlords are looking for and how he might improve that score. Unfortunately, …