How To Generate and Issue Your Own 1099-MISC Forms


Did you as a small business pay another person or unincorporated business more than $600 total in the last year for services rendered? You may have to provide them a 1099-MISC form. Here are the specific rules as laid out in the official IRS … [Read the rest]

Prosper Review for Investors: Understanding Risks and Returns


I lent out my first $25 to a stranger on Prosper nearly 8 years ago, in October 2007. Since then, the peer-to-peer (P2P) lending environment has undergone a variety of changes. I've made hundreds of P2P loans both hand-picked and algorithm-driven, … [Read the rest]

Five Ways To Get a Free Credit Score (No Trials!)


Updated 2016. As noted, the government requires the credit bureaus to provide you a free credit report once every 12 months from However, checking your credit score on a regular basis allows you to track changes in your … [Read the rest]

Investment Returns Ranked by Asset Class 1996-2015


In case you haven't noticed, nobody knows what the stock market will do in the next 12 months. Every year, investment consultant firm Callan Associates updates a neat visual representation of the relative performance of 8 major asset classes over … [Read the rest]

Invest With The House + Free Investing Books by Meb Faber


Asset manager and author Meb Faber has a new book out called Invest With The House: Hacking The Top Hedge Funds, where he explores the idea of simply copying the publicly-available holdings of top investment managers. I haven't read it yet, but for … [Read the rest]

Big List of Free Consumer Reports (2/2): See Your Confidential Housing, Insurance, & Employment Data

Updated and checked for 2016. As these are available only every 12 months, it is a good idea to check them the same time each year. Here is the second part of my big list of free consumer reports from over 50 different reporting agencies. The … [Read the rest]

Big List of Free Consumer Reports (1/2): See Your Confidential Credit, Banking, and Payday Lending Data


Links checked and updated for 2016! Since these are available every 12 months, it is a good idea to check these near or around the same time each year. There are many companies out there that make money by collecting and selling data - your … [Read the rest]

New Fidelity Rewards Visa Credit Card Review: 2% Flat Cash Back


Ending some speculation, Fidelity has officially announced changes to their credit card line-up as of January 2016. Previously, there were three versions of the card issued by FIA Cardservices (subsidiary of Bank of America) - a grandfathered 2% … [Read the rest]

Investment Returns By Asset Class, 2015 Year-End Review


The problem with a lot of good advice is that you really don't understand it without experience. For example, Jack Bogle always says "Stay the course". I was lucky enough to trust in that advice, but it took me a while to really appreciate the … [Read the rest]

Flexible Spending Account Reminder: Use It Or Lose It!

Here's my annual reminder to use up your Healthcare Flexible Spending Accounts before the end of the year. Here are possible exceptions: Some plans allow a grace period until March 15th of the following year as opposed to a December 31st … [Read the rest]

AmEx Special Offers: Amazon, Cell Phones, Hulu, Uber, Sports Authority, Etc.


Reminder: Many top offers expiring 12/31/15. American Express cardholders can participate in "AmEx Offers" which offer discounts to various merchants. These promotions often offer the opportunity for easy savings without changing your spending … [Read the rest]

Chase Freedom Review: $150 Sign-Up Bonus

Chase Freedom Visa Banner

The Chase Freedom® - $150 Bonus is a popular rewards credit card. What makes it unique is the combination having no annual fee and the ability to get 5% Cash Back on up to $1,500 in combined purchases in bonus categories each quarter. Here are the … [Read the rest]