If you get something for free it’s the same as income only if you’d pay the cash price anyway. If you are paying up front, it’s just a different way to pay for an expense.
Latest Blog Posts
The Difference Between Asset And Investment
What is an asset and what is an investment? Are all assets investments? Are all investments assets? Is your home an asset or an investment or both?
Bond Closed-End Funds: Good Or Bad?
This articles explains how bond closed-end funds work and how they are better or worse than the traditional open-end mutual funds and ETFs.
Roth 401(k) for People Who Contribute the Max
[Updated on October 17, 2014 with a new example.] I said in The Case Against Roth 401(k) I think for most people the majority, if not 100%, of the contribution should go to a Traditional 401(k). I gave these reasons: Fill in lower tax brackets in retirement Avoid high state income tax Leave the option open […]
State Government Helps You Find Lower Auto & Home Insurance
Premium survey from your state government can help you narrow down the list of companies you contact for auto and home insurance quotes.
Internet Retirement Police Rule Book
What makes someone retired? Is being financial independent the same as retired? What about the self-employed or stay-at-home parents?
Find A Financial Advisor Outside Your Local Area
Good advice comes from near and far. You will find a better financial advisor if you don’t limit yourself to advisors in your local area.
Vanguard Financial Plan Review: (4) Worth It?
Conclusion on whether the Vanguard Financial Plan is worth the time and cost and who should consider using it.
When To Claim Social Security Calculators
These free and paid online calculators will help you figure out when and how you should claim your Social Security benefits.
Vanguard Financial Plan Review: (3) The Consultation
Detailed review of the consultation with a CFP professional from Vanguard, as a part of the Vanguard Financial Plan service. See how Vanguard CFP answered each question.