10 Smart Ways to Spend a $1,000 Windfall

smart ways to spend $1000 windfall high tech employee antitrust litigation class action lawsuit

Whoa! I got a check from the High-Tech Employee Antitrust class action lawsuit. Check it out! This is a lot more than the usual $14 I see from these class action cases. The exact amount is actually $1,340.32. I put $1,000 in the title of this article for the search engines. I think Google likes rounded numbers better than exact amounts… High-Tech Employee Antitrust Litigation So what’s this lawsuit about? Basically, the management of the companies named in this lawsuit had a verbal agreement to avoid recruiting from each other. This agreement limits employee job mobility and repressed their wages. […]

3 comments Read the full article →

Bear Markets Will Make You Rich

bear market will make you rich

Have you been following the stock market? Usually, I don’t pay much attention to the stock market and only check the price when I update my net worth spreadsheet. I do that a few times per month. Lately, I’ve been watching the local morning news to get the weather report. October is a weird month because one day we’d get sunny 80 degree weather and the next; we’d get a cold wet day. I need to see the morning weather update so I can dress RB40 Junior appropriately. He loves shorts so that’s his first choice, but shorts won’t work […]

30 comments Read the full article →

Is Roth better than Traditional IRA/401(k)?

Is Roth better than Traditional IRA/401(k)?

Last week, I was researching for a Roth 401(k) article and came across a Roth IRA study from T. Rowe Price. Basically, the study concludes that the Roth account is the better choice for most investors. You’ll have more money unless your tax rate is much lower in retirement. If you’re 55, then your tax rate will have to drop by 7% for the Traditional IRA to beat than the Roth IRA. If you’re 25, the Traditional IRA basically can’t beat Roth IRA. Your age makes a difference because the younger you are, the more time your Roth account has […]

39 comments Read the full article →

What does it mean to own bond mutual funds in your retirement account?


Today, we have an article from Roy, one of our regular readers, who is an expert in fixed income (bonds.) This is great because I really don’t know much about bonds. I know I’m lending money out and I’ll get some interest. I know I need to allocate 20% of my investment asset in bonds according to my risk tolerance. I read that’s it’s a good idea to avoid long-term bonds for now because the interest rate is bound to go up at some point and drive the bond funds price down. So currently, I have 20% of my investment portfolio in […]

12 comments Read the full article →