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Kevin Mercadante

A robo advisor can make it easy to invest in an IRA or taxable account. But how do you choose? Here’s our 2018 list of the best robo advisors for your money.

best robo advisors

This is something of a controversial topic. There are any number of “best robo-advisors” lists, and they all look a little bit different. That’s because all reviews are subjective. Which robo-advisors get top grades largely depends on the investment preferences of the reviewer.

This list review will be based primarily on four criteria:

  • Investment management fees
  • Investment mix
  • Additional services, where available
  • Platforms likely to appeal to largest number of investors (as opposed to niche robos)

With that in mind, here is our list of the five best robo-advisors. By the way, the list isn’t in any specific order. Any of the five are worth considering.


Betterment is the largest independent robo-advisor, and for all the right reasons. This platform has it all, and is often the first to add new services.

Betterment makes use of goals based investing. You can set up specific goals, like retirement, an emergency fund, or saving for a college education–and attach an account to that goal.

Betterment is tailor-made for new and small investors. There is no minimum initial investment required, you can fund your account with monthly deposits. They charge a single low annual management fee of 0.25%. This means that you can have a $10,000 account managed for just $25, or a $100,000 account managed for just $250.

They offer their Tax-Coordinated Portfolio that favors income generating assets, like bonds, into retirement accounts, and capital gains generating assets into taxable accounts. The also offer tax-loss harvesting (TLH), which is an investment strategy that sells losing positions to generate capital losses (to offset capital gains elsewhere), repurchasing similar assets later to retain the desired portfolio allocation.

On the asset allocation side, they offer socially responsible ETF’s, as well as those that invest in stocks and bonds.

Betterment offers a Premium portfolio for investors with a minimum of $100,000. It adds certain services, but increases the management fee to 0.40%.

SoFi Wealth Management

SoFi Wealth Management is a relative newcomer to the robo-advisor space, having begun operations in the spring of 2017. But like everything else connected with SoFi, it’s one of the most innovative robo-advisor platforms available.

It has a fee structure comparable to both Betterment and Wealthfront, with an annual advisory fee of 0.25%. And like Wealthfront, the first $10,000 in your account is managed for free. But SoFi adds a twist. If you have a SoFi loan, the advisory fee is waived. That gives you a professionally managed investment account for free.

Like other robo-advisors, SoFi constructs your portfolio with index-based ETF’s. But SoFi adds real estate and high-yield bonds to the usual robo mix of stocks and bonds. In addition, SoFi Wealth Management requires just $500 to start an account. And if you don’t have $500, you can open an account with zero, and begin funding it with contributions of at least $100 per month.

The only negative with this platform is that they don’t offer tax-loss harvesting. That isn’t an issue with tax-sheltered retirement accounts, or with smaller balance accounts. But it will be an issue for larger taxable accounts.

Of course, one of the big advantages with SoFi Wealth Management is that it gives you the ability to take advantage of SoFi’s other award-winning services. SoFi has moved beyond providing student loan refinances. They now offer mortgages, personal loans, and even life insurance. It’s fast becoming a one-stop shop for financial services of all kinds.

M1 Finance

M1 Finance is something of a hybrid between robo-advisors and traditional investment brokers. Their program offering is unique, but one that can be easily understood by most investors.

M1 Finance provides investment portfolio templates, known as “Pies”. Each is based on Modern Portfolio Theory (MPT), which is common to robo-advisors. But no questionnaire is used to determine your risk tolerance.

You can invest in a Pie as is, or you can customize it anyway you want. This is extremely unusual among robo-advisors, who typically maintain tight control over a very limited number of ETF’s.

Within an individual Pie, you can add both individual stocks and ETF’s. As to the ETFs used by the platform, they select from more than 2,000 ETFs. Most other platforms have a group of about a dozen ETF’s that are included in virtually all portfolios.

The inclusion of your own investment selections gives you an opportunity to outperform the market, rather than to simply match it the way most robo-advisor do.

Pies are available for general investing, retirement, income, responsible investing, hedge fund strategies, specific industries and sectors, or other strategies.

M1 Finance does not have a minimum investment requirement, and there are no fees to manage your account. On the downside, the platform does not offer tax-loss harvesting.


Wealthfront is Betterment’s biggest competitor among independent robo-advisors. And they’re an innovative force unto themselves.

Wealthfront has rolled out a number of specialized robo-advisor accounts, including their Direct Indexing series. These plans are designed for larger investors, offering specialized plans for portfolios of at least $100,000, $500,000, or $1 million. Portfolios include not only ETFs, but also between 100 and 1,000 individual stocks. That makes this unusual among robo-advisor platforms, who usually hold only ETFs.

Like Betterment, Wealthfront also provides tax-loss harvesting, as well as allocation of specific asset classes into taxable and tax-sheltered plans. But Wealthfront outshines Betterment in investment diversification. Wealthfront adds both real estate and natural resources to your asset mix.

Wealthfront’s fee structure is hard to beat. The first $10,000 is managed for free, and after that the balance is managed for just 0.25% per year. They have a $500 minimum initial investment requirement, but that’s low enough to accommodate most investors.


Just as the name implies, Hedgeable follows the basic investment strategy of hedge funds. On the one hand, Hedgeable is a robo-advisor for more sophisticated investors. But on the other, the platform makes sophisticated investment management available to small investors.

Hedgeable uses an investment strategy that protects your portfolio from catastrophic losses. This is referred to as “Downside Risk Protection”, and it is typically available only to very large investors. As such, Hedgeable has recently been outperforming other robo-advisors. It also uses unique investment assets. Those can include private equity, real estate, commodities, and even Bitcoin.

Unlike other robo-advisors, Hedgeable isn’t a passive, buy-and-hold platform. The asset mix will be adjusted based on market conditions.

The good news is that you need only $1 to open an account. You can even “test drive” the platform before investing any money. But Hedgeable is high on the fee side–mainly because it is an actively managed portfolio. The fee is 0.75% on balances up to $49,000. There is a sliding scale that drops to 0.30% on portfolios of $1 million or more.

This is an excellent robo-advisor if you would like non-traditional investing, with not alot of money.

So there are our choices for the five best robo-advisors. Have you used any of these platforms? Would you recommend them to others?


Opening an IRA is an important decision. To help, here is our survey of the best IRA accounts for 2018, including fees and features of each option.

best ira accounts 2018

Just about every bank, investment brokerage, and robo-advisor welcomes Individual Retirement Accounts (IRAs). But there are a handful of institutions that stand out above the rest. Below are seven of the best places to open an IRA.

Ally Invest

Ally Invest may very well be the overall best place to open an IRA. Not only do they offer nearly unlimited investment options, but they also have one of the very lowest fee structures in the industry.

You can trade exchange traded funds (ETFs) at $4.95 per trade and mutual funds at $9.95 per trade. They also offer volume trading discounts for high-frequency traders. They charge a $50 annual fee, but that only applies to accounts with less than a $2,500 balance and no activity for the past 12 months.

In addition to self-directed trading, they also offer Ally Invest Managed Portfolios, which is a robo-advisor service. It requires a minimum investment of $2,500 and has an annual fee of 0.30%. But it provides you with the option to have some or all of your retirement portfolio professionally managed.

Ally Invest is also the first cousin of Ally Bank, the online bank that offers some of the highest interest rates on savings and CDs available anywhere.

With all that Ally Invest has to offer–investment options and low fees–you can’t go wrong with this platform.


Similar to Ally Invest, E*TRADE offers an outstanding mix of almost unlimited investment options. It also features low pricing. You can trade stocks and ETFs at $6.95 per trade, though mutual fund trades are a bit on the high side, at $19.95. However, they offer more than 1,000 mutual funds that are both no-load and no fee. And for what it’s worth, they have 30 brick-and-mortar locations scattered about the country.

E*TRADE has no minimum account balance and no annual fee to worry about.

E*TRADE also has a managed portfolio option–E*TRADE Adaptive Portfolio. This is E*TRADE’s robo-advisor entry, and it requires a minimum initial investment of $5,000. The annual management fee is 0.30%. Once again, this gives you the option to have at least some of your portfolio professionally managed. But you can still go the DIY route with the rest of your money.

Charles Schwab

One of the original discount investment brokerage firms, Charles Schwab has all the advantages of a traditional full-service brokerage firm. But their fee structure competes with those of discount brokerages.

You can trade stocks and ETFs for just $4.95 per trade. Mutual funds are a bit of a problem, however. They do offer a handful of fee-free in-house mutual funds. But the commission on all others is a whopping $76 per trade.

They require a minimum $1,000 open an account, but they don’t require any annual fees. And if you don’t feel like managing your own account, Charles Schwab also has a robo-advisor service for you to take advantage of. Charles Schwab Intelligent Portfolios will provide you with professional investment management. It requires a minimum balance of $5,000, but there is no fee for the service.

Fidelity Investments

One of the premier online discount brokers, Fidelity offers consumers an opportunity to open a traditional IRA, Roth IRA and 401(k) Rollover.  They also offer a variety of small business retirement plans (like SEP IRA’s).  There are no opening costs or annual  fees for any of these IRA’s but if you decide to close them out for any reason, a $50 fee applies.

Here’s a short list of all the other investment accounts you can open up with Fidelity:

  • Mutual Funds
  • Options Trading
  • Stock Trading
  • Bonds and High Yield CD’s
  • Annuities
  • 529 College Savings Plan

Merrill Edge

Merrill Edge is currently offering up to $600 when you fund a new retirement account.  The bonus is offered when you open a new retirement account; and the amount received is award in the following tier amounts:

  • Less than $20,000 deposited – No bonus
  • $20,000 – $49,999 – $100 bonus
  • $50,000 – $99,999 – $150 bonus
  • $100,000 – $199,999 – $250 bonus
  • More than $200,000 – $600 bonus

To receive the bonus, you must make your deposit within 45 days, then keep the deposit in your account for 90 days.  The bonus will post to your account within 2 weeks of the 90 day qualifying period.  Use offer code 600ME when signing up.

Merrill Edge offers traditional IRA’s, Roth IRA’s and a 401(k) rollover.


Most of the investment brokerage firms on this list also offer a robo-advisor service. But Wealthfront is a robo-advisor, and one of the very best. If you’re looking for low-cost professional management of your IRA, Wealthfront is an excellent platform to investigate.

They offer a portfolio diversified between equities and fixed income investments, but also has alternative investments. Unlike most other robo-advisors, Wealthfront adds real estate and natural resources to the investment mix.

You can open an IRA account with as little as $500. The annual advisory fee for the account is 0.25%. But they’ll manage the first $10,000 for free. That means that you can have a $100,000 IRA account with Wealthfront fully managed for just $225 per year. They handle all the account management for you. All you have to do is fund your account.


Betterment is Wealthfront’s larger, and somewhat better-known competitor in the robo-advisor space. In fact, Betterment is the largest independent robo-advisor in existence.

Like Wealthfront, Betterment provides a fully managed investment portfolio. All you need to do is fund your account. They will allocate your portfolio between equities and fixed income investments. But they offer no alternative investments. However, unlike Wealthfront, Betterment has no minimum initial deposit requirement. You can sign up for the account and simply fund it with monthly contributions.

Betterment has two fee structures. The basic account has a 0.25% annual fee. The premium version, which requires a $100,000 account balance, has a 0.40% annual fee.

Which of these IRA providers should you choose? A bit of research will point you toward the one that will work best for you. But in truth, you can’t go wrong no matter which one you choose!


MoviePass claims to offer unlimited movie tickets for one low monthly price. Is it too good to be true? We answer that question in our MoviePass review.

moviepass review

According to the National Theater Owner’s Association, the average price of a movie theater ticket was $8.84 as of the first quarter of 2017. If you live in a metropolitan area, you know the real price you’ll pay is more like $12. That kind of pricing keeps a lot of people from going to the movies more often. But there might be a workaround in the form of a smartphone app.

That app is MoviePass. It’s a movie theater subscription service that you access from your smartphone. It is the largest movie theater subscription service available, giving subscribers access to over 4,000 movie theaters and more than 36,000 movie screens. They advertise that the service is available in all major movie theaters (though there’s some doubt about AMC).

What’s more, the subscription is virtually unlimited. You can watch one new 2D movie each day of the month, with no blackout dates.

MoviePass Benefits

MoviePass was founded by CEO Mitch Lowe, of Netflix and Redbox fame. He’s taking the same concept from those companies but applying it to actual movie theaters. MoviePass enables the participant to watch movies at theaters up to 31 times per month–all for a very low monthly fee of $9.95 per month.

The MoviePass card itself is actually a credit card–a MasterCard, to be precise. When you go to the theater, you pay for your ticket using the card just the way you would any other credit card.

With an average movie ticket at $12, you can see up to 31 movies per month–at a total cost of $372–all for a monthly fee of less than $10. That, of course, is extreme, but you could if you wanted to.

But, even if you only go to the movies no more than two or three times per month, at a cost of $24 or $36, you would still save $14 or $26 per month using this app (the actual cost of the movie tickets, less the $9.95 subscription fee you’ll pay to MoviePass).

Signing Up for MoviePass

You can sign up for MoviePass online or with your smartphone. But you must have an iPhone or an Android (with data service) in order to use it.

You will receive your MoviePass card by mail within seven to 10 business days after signing up. Once the card arrives in the mail, you can log into the MoviePass app with your email and a password. The app will request the last four digits of your MoviePass card in a pop-up box. Once you enter that information, your subscription will be fully activated, and your billing date will be set.

The monthly subscription fee is $9.95. The service offers only one person per app. So if you want to add family members, each will have to subscribe to the app individually. Also, memberships are nontransferable. Only you can use your subscription.

You must put a credit card on file, which MoviePass will charge on each monthly billing date.

How MoviePass Works

Once you receive your MoviePass card, you can begin using the app to browse theaters and showtimes. You can only use the app for same-day tickets. You are not able to purchase your tickets in advance.



Your MoviePass card is your payment method when you go to the theater. The card is actually a MasterCard, which is how the theater will be paid. That means you must have the card with you whenever you go to the theater. You can pay and get your ticket at the box office or kiosk.

The app works in five steps:

  1. When you arrive at the theater, browse movies and showtimes on the MoviePass app.
  2. Once you’ve found the movie you want, click the desired showtime. Then, at the bottom of the screen, click “Check-In.”
  3. Upon check-in, your MoviePass will be activated for 30 minutes. Just swipe it at the box office or kiosk to purchase your ticket.
  4. For e-ticketing theaters (see below), once you check-in, your app will generate a confirmation code that you can present at the kiosk or box office to retrieve your ticket.
  5. Enjoy the show!

Canceling check-in. If you change your mind and decide you don’t want to watch a movie, or if it is sold out, you can cancel right on the app. You can press the “Sold Out? Changed Mind?” button on the Check-In page. Once done, you can check into a different movie.

More MoviePass Features

E-ticketing. MoviePass has this function with several theater chains, including Goodrich Quality Theaters, Studio Movie Grill, and MJR Theatres. E-ticketing is a redemption process that enables you to reserve your same-day ticket in the app before arriving at the theater. At theaters that also offer reserved seating, e-ticketing will enable you to select your seat in advance.

Gift Subscriptions. If you want to give the gift of movies, you can purchase a gift subscription through the app. You must pay for gift subscriptions in advance, and they are available on the following terms:

  • three months at $29.85
  • six months at $59.70
  • 12 months at $119.40.

Canceling your MoviePass subscription: If after subscribing to the app, you decide that you want to cancel, you can do it easily. On the home screen, click the icon with the three horizontal lines in the upper left-hand corner. From the dropdown menu, select your name. On the “Subscription Information” screen, select “Plan Info”, then click “Cancel Account.” The cancellation will take effect on your next billing date.

MoviePass Partnership with Studio Movie Grill

MoviePass has partnered with Studio Movie Grill in testing and Open Tab feature. It will enable you to pay for your movie ticket as well as your in-theater meal and drinks using the MoviePass app. This is a beta program, so it may or may not be available at your local Studio Movie Grill theater.

Studio Movie Grill is offering its guests a limited one-month trial of MoviePass for $10. It will similarly allow the holder to attend one movie per day in its theaters for an entire month. It must be purchased only at Studio Movie Grill locations.

The MoviePass – Studio Movie Grill partnership is significant because MoviePass is actively working to increase such partnerships with other movie theater chains. Studio Movie Grill, for its part, expects to increase attendance through the partnership.

In Case You’re Wondering How MoviePass Makes Money…

If you’re like me, and you stumble across a winning service, you want to know that the provider is making a profit. After all, if they aren’t, the winning service won’t be around for very long.

On the surface at least, it looks as if there’s no way that MoviePass can ever be profitable. But look a little deeper, and it begins to make sense.

Let’s say that you are a certified movie maven, who actually does go to the movies every day of the month. How can MoviePass make money when you’re paying just $9.95 per month, and they are paying $372 (31 movies X $12 per ticket) to theaters for you to watch 31 movies?

Answer: they’re not. At least not on you.

But according to founder and CEO Mitch Lowe, the “secret” is in the numbers. They know the average person only goes to the movies three to six times per year. They believe that the MoviePass app will increase that to six to 12 times.

At an average frequency of 9 times per year–at $12 per movie ticket–that’s $108 MoviePass has to pay out to theaters. With an annual subscription rate of about $120, MoviePass will earn an average of 10% ($12) on each subscription.

Lowe is also working to create more true movie theater partnerships, such as the one they are currently working on with Studio Movie Grill. The increased frequency of theater visits by MoviePass users generates higher concessions sales, enabling the theaters to increase their profits. MoviePass is working to get a part of those profits through partnerships.

MoviePass Pros

  • If you go to the movies two or more times in a typical month, MoviePass will be well worth the price of $9.95 per month.
  • If you’ve been avoiding the movies due to cost, MoviePass will enable you to go more frequently. In fact, cost will no longer be a factor, at least as far as movie tickets.
  • Ordering movie tickets through your smartphone avoids the need to stand in line waiting to purchase a ticket. This can be a major advantage at peak movie times or for blockbuster movies that draw big crowds.
  • The widespread acceptance of MoviePass, as well as the partnerships with select theater chains, holds the potential for the expansion of the app going forward. It could revolutionize the movie theater process, and you’d be on the cutting edge if you already have the app.

MoviePass Cons

  • MoviePass is available for 2D movies only. It is not available for enhanced or special screenings that might involve an up charge by the theater. This includes movies in 3D, IMAX, Fathom Events, DBOX, ETX/RPX, or film festivals.
  • Unless the theater offers e-ticketing, you have to be at the theater to order your ticket.
  • Not all theaters or theater chains participate in MoviePass.
  • Since you must be at the theater (or within 100 yards of it) where the movie you want to see is showing, you won’t know in advance if the movie has been sold out. But that would happen even if you didn’t have MoviePass.
  • Since a subscription can be used for one person only, you would need to have a subscription for each person in the family. The app would cost $39.80 per month for a family of four.

Should You Sign Up with MoviePass?

MoviePass is definitely worth considering if you are a frequent moviegoer, or you want to become one. It can reduce the cost of going to the movies several times per month to less than the cost of a ticket for a single show.

If you’re not a frequent moviegoer, even apart from the cost factor, MoviePass won’t be much of a benefit. For example, if you typically go to the movies less than once a month, the subscription may cost you more than the benefit that you’re getting.

The fact that you need to purchase a subscription for each member of your family could be cost prohibitive. However, if you have children who are at the age where going to the movies is a favorite pastime, this can enable you to bring them as often as you like. The cost of going to the movies will no longer be a factor.

If you’d like more information, or if you’d like to sign up for the app, check out the MoviePass website.


Being locked into a cell phone contract is no fun. Here’s how to get out of a cell phone contract without paying an early termination fee.

how to get out of a cell phone contract

We recently received a question that probably every reader can relate to. The writer is asking how to get out of a cell phone contract without paying a fee:

“I would like to know how do I get out of a cell phone contract without paying the termination fee. I’m paying a high bill and I know that along right there will save me a lot of money.”

That’s an excellent question. Unfortunately, there’s no single answer. Obviously, cell phone companies will be highly resistant to waiving an early termination fee. Their whole purpose for existing is to keep you with their service forever and ever. Your task is to make a clean break, and not have to pay the fee.

There are different ways to go about that, and you may have to try more than one.

Contact the Carrier

This should always be the first step. Though it’s the least likely to be successful, you should never overlook the obvious. Also, you may need to show that you made a good faith attempt to contact the carrier before taking other steps.

Before making the call, review your original contract. Find out exactly what your rights are and under what circumstances you can terminate the service. Also get specific information about the early termination fee. It may even turn out that you don’t have a long-term contract. But you won’t know that until you review the documents that you have.

When you call, you’ll most likely speak with a customer service representative. Don’t expect to get very far with this person. If you do, fine. But customer service representatives simply are not empowered to deal with complicated situations like an early termination. They’ll probably try to convince you to stay in the current contract or to move you into one that’s even more complicated and will keep you on board longer.

You’re going to have to do your best to get past this person. Insist on speaking with the manager. That person might still take you around in circles, but it’s part of the process. If need be, speak with the manager’s boss, and keep going up the chain until you find someone who has the power to give you what you want.

Be careful that you’re firm, but not disrespectful. No matter what, stay on topic with your request: that you want to terminate your cell phone contract without paying a fee. Also, be sure to document who you spoke with, the day and time, and as many details of the conversation as you can remember. You may need to have that information available for future steps.

Get a New Carrier Involved

Your new carrier can be your best ally in helping you to gain an early termination with your current carrier. Some carriers will offer to pay the early termination fee for you. If they do, that’s your out. For example, T-Mobile and Sprint are each offering up to $650 to help you get out of your current contract arrangement.

But even if the new carrier doesn’t cover the early termination fee for you, they may still be able to help. They may know the specific parties, the clauses in the contract, or the circumstances under which you can legally terminate your current cell phone contract without paying a fee. In some cases, they may even get involved in this process for you.

The cell phone industry is extremely competitive, which can work to your advantage if you want to get out of a cell phone contract without paying a fee. Use it to your advantage.

Take to Social Media

These days, many companies monitor activity on social media. It’s a way of managing the perception of the company on the Internet. Some have people appointed to monitor social media and investigate comments regarding the company. This can make social media a valuable place to air your grievances about the company. Put out a credible-sounding complaint, and you just might get an unsolicited call from someone in the company who can help you get out of your contract.

If you do use social media, make sure that you specifically mention the company, preceded by the hashtag symbol (#). That will make sure that your message gets out to the largest number of people and be noticed by the carrier.

Just be sure that your claims are credible and supported by the facts. Never go on an uncontrolled rant and trash the company. Not only will well-worded criticism resonate with readers, but it may also motivate the company to respond to your grievance. But if you get carried away and just trash talk the company, you could be on the wrong side of a lawsuit.

File a Report with the Better Business Bureau (BBB)

The BBB relies on reports from consumers in calculating the ratings of various companies. Too many complaints from consumers will result in a bad rating. Most companies are deeply concerned about their BBB rating. Since your complaint will be made public, down to the details, the company will be fully aware of your criticism.

Many companies will respond to specific complaints. That’s because BBB allows those complaints to be closed if the company satisfies the consumer.

Once again, be sure that your complaints are credible and supported by the facts. Never go on a rant that would force the company to come back legally. There’s constructive criticism and legitimate complaints, and then there’s slander and libel. Be sure you know where to draw the line.

Threaten Legal Action

If you’re getting absolutely no response from the company, you may have to threaten legal action. Now if your dispute is over paying a $500 early termination fee, it almost certainly will not be worth hiring an attorney to win your case. But sometimes you can win just with the threat of legal action.

A well-worded letter from an attorney, on attorney letterhead, can often coerce a reluctant company into meeting your demands. The cost of having that letter prepared by the attorney will probably justify the fee that you will have to pay for it, in terms of what you will save on the early termination fee.

None of this is the say that getting out of a cell phone contract without paying a fee will be easy. But you may need to employ several of these strategies to make it happen.


Ally Invest Review

by Kevin Mercadante

Ally Invest offers is a low cost and very easy to use online broker. Formerly TradeKing, we cover all of its features and costs in this review. You’ve probably heard about Ally Bank. They’re perhaps the best-known online bank, offering some of the highest interest rates available on savings accounts and certificates of deposit. As […]

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E*Trade Review and Current Promotions

by Kevin Mercadante

E*TRADE set the bar as one of the first online discount brokers. But is it the broker you should be using? We help you answer that question in our E*TRADE review. It’s curious that the editorial team here at Consumerism Commentary has never reviewed E*TRADE before today. I say that because we have written about […]

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How to Use Rent Payments to Improve Your Credit

by Kevin Mercadante

Using rent payments to improve your credit is now easier than ever. We cover the websites that can help you report your rent to credit bureaus. If you’re among the 36.6 percent of US households that rent, you’re probably missing out on the single biggest credit reference: Your rent payment! Traditionally, the only way that your […]

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How to Sell Your Car Fast and For Top Dollar

by Kevin Mercadante
Selling a Car

Trading in your car at the dealer is guaranteed to lose you money. Yet many opt for this route because it’s easy. The better approach, however, is to sell your car yourself. You’ll get more money, and it’s easier than many think. Here’s how to sell your car fast and for top dollar. In this […]

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What to Do if You Have a Bad 401(k) at Work

by Kevin Mercadante
Bad 401(k)

Do you ever have a sense that you have a bad 401(k) at work? If you do, you’re not alone. While a lot of employers have 401(k) plans, many of those plans are average or worse. But if you are in such a plan, you do have options. First we’ll look at how to evaluate […]

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Will P2P Platforms Continue to be Solid Investments?

by Kevin Mercadante

In your personal finance journey, you may or may not have come across peer-to-peer (P2P) lending platforms. The great news is, these have proven to be solid investments over the past few years, providing much higher returns than what you could earn on bank investments. But we have to wonder:  will P2P platforms continue to […]

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