Making Money Tips

DailyWorth, the personal finance daily email and community for women, has raised $850,000 in funding led by Robin Hood Ventures with Eric Schmidt’s TomorrowVentures, Howard Lindzon’s Social Leverage, 500 Startups, Venture51, Investors’ Circle, Joanne Wilson, David Cohen, Scott Becker, and Carol Chow participating in the round.

Founded in 2009 by Amanda Steinberg, DailyWorth is a daily email newsletter that includes information on financial literacy and money management skewed towards a female audience. DailyWorth’s subjects range from how to organize your finances to tax tips to saving advice. And DailyWorth has an impressive editorial staff to create content. MP Dunleavey, previously a personal finance columnist with the New York Times and currently a contributor with Money magazine, is leading DailyWorth’s editorial team.

With 55,000 subscribers, the newsletter currently makes money via advertising and already has sponsorships in place with a number of financial institutions including ING and H&R Block. And DailyWorth plans to hold sponsored educational events as an additional revenue channel. The new funding will be used to expand audience reach with customized email newsletters; develop the startup’s website; add video content and to host sponsored events.

DailyWorth is similar in many ways to LearnVest, a personal finance community for women. But DailyWorth is committed to the email newsletter model (which are making a comeback). And there’s definitely room for many personal finance sites oriented towards women.

By Phil Izzo

A roundup of economic news from around the Web.

–Mortgage Interest Deduction: Howard Gleckman points to research looking at the cost of reducing the mortgage interest tax deduction. “The deduction for interest on home mortgages may be the most beloved of all tax subsidies. A politician needs only to muse about repealing or restructuring the deduction to be set upon by suburban mobs (led, perhaps, by real estate agents and mortgage lenders). But a new analysis by my Tax Policy Center colleagues Ridathi Chakravarti and Dan Baneman finds that most taxpayers would barely notice the change in their tax bill even if Congress dramatically restructured the subsidy. And with some changes, many of us would end up paying lower taxes than we do today. In the unlikely event Congress simply repeals the mortgage deduction, the average tax bill would increase by $710. But those who earn between $30,000 and $40,000 would pay an average of about $70 more while those making more than $1 million would pay an additional $4,000. “

–Crowding Out: Menzie Chinn sees no evidence of the public sector crowding out private investment. “Relative to my September post, the ten year TIPS is slightly up, but the five year remains at zero (well, actually negative). This means that whatever upward pressure there is on government interest rates due to the large supply of government debt, it is being offset by low demand from the private sector (or by demand from offshore sources). Of course, the crowding out of investment phenomenon relies upon a variety of assumptions. It follows from a two asset model (money, bonds), with the right parameter values. With three assets, one can get “crowding in”. And even if interest rates had risen, if investment depends upon income (or the change in income), one could still get a net increase in investment from a positive fiscal impulse. Another implication of having interest rates at zero (at least the five year real) is that if fiscal policy is made more contractionary (as in some recent plans), then the contractionary impact should be large (this is just the mirror image of fiscal policy effectiveness in a liquidity trap).”

–Global Imbalances: Kenneth Rogoff looks at global imbalances. “With policymakers and pundits railing against sustained oversized trade imbalances, we need to recognize that the real problems are rooted in excessive concentrations of debt. If G-20 governments stood back and asked themselves how to channel a much larger share of the imbalances into equity-like instruments, the global financial system that emerged just might be a lot more robust than the crisis-prone system that we have now. Unfortunately, we are very far from the idealized world in which financial markets efficiently share risk.”

Compiled by Phil Izzo

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