David Malin

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How to Increase Your Credit Score with a 10-Minute Phone Call

Just about the time we felt we had nailed our credit scores and we’re hovering around the low 700’s, we wondered if there was a way to push past the …

Personal Finance

7 Facts About Medicare Every Retiree Should Know

Image source: Getty Images.<p>If you're 65 or older, you probably count on Medicare coverage to take care of the majority of your healthcare expenses. Yet many retirees don't know all of the basics of how Medicare coverage actually works. To help educate you more about this vital program, below you'll …

Retirement Tutorials | Investopedia

Realizing your post-work goals need not be daunting. We'll tell you everything you need to know to get – and stay – on track.<p>Everything you need to …

9 Steps to Saving a $10,000 Emergency Fund

Image source: Getty Images.<p>Building up your savings isn't easy. After all, a whopping 62% of Americans have under $1,000 in savings, found a GOBankingRates survey. And only 14% have $10,000 or more.<p>But having a significant amount of money saved is extremely important, especially if an emergency …

6 Great Tips to Help You Retire and Not Go Broke

Credit<p>Not having to work has two sides to it. It can be both sweet and sour, but it is an era that we all will face if we live long enough. It is wise to be visionary in planning what those days will be like for us before we step in unprepared.<p>This is because, what you do before and through …

Retirement

Want to Get Out of Debt and Build Wealth? Cultivate These 5 Habits

If you want to get rich, the first thing to do is get out of debt--so your personal math works for you, not against you.<p>If you weren't born into wealth, and yet you want to know how to get rich, there's only one answer: Learn to become an entrepreneur.<p>Step number 1 on that journey is to make the …

Two Philosophies of Retirement Income Planning

Within the world of retirement income planning, the siloed nature of financial services between investments and insurance leads to two opposing philosophies about how to build a retirement plan. There is an old saying that if the only tool you have is a hammer, then everything starts to look like a …

7 Bad Habits Preventing You From Making More Money

Are any of these common habits putting a stubborn limit on the amount of money you earn?<p>Not all of us are materialistic, but we can probably all agree that making more money is a good thing. It's true that setting a strict budget, cutting your expenses, and saving more money can go a long way in …

Decide How Big Your Emergency Fund Should Be With the 3-6-9 Guideline

You need an emergency fund, there’s no doubt about that. How much cash should be in that fund, on the other hand, varies depending on who you ask. …

Top 10 Ways to Squeeze More Rewards Out of Your Credit Cards

Credit cards aren’t just convenient ways to pay for things. When used strategically, you can reap valuable rewards and perks you won’t get by paying …

Cut Your Cellphone Bill by $10 or More Per Month in 3 Easy Steps

It's easier than you think.<p>This is Day 10 in the #MONEY30, a month-long bootcamp for personal finance novices. You can read more about the challenge …

3 Solid Ways To Clean Up Your 401(k)

It’s springtime and a great time to clean up your 401(k). Oh, you thought that your retirement fund was nice and tidy? Think again. It could be littered with dirty investments.<p>What do I mean by “dirty?” Well, there are mutual funds within your 401(k) that may be gathering dust because you haven’t …

Are you on track for retirement?

Are you on track to actually retire?<p>Savings benchmarks based on age and income can offer a quick assessment — but you shouldn't entirely base your …

8 Ways to Increase Your Credit Score to Get the Lowest Mortgage Rates

Tips to increase your credit score.<p>If you're seeking the best deal on a mortgage, you'll need to give your credit some serious attention.<p>Your credit …

The companies that assign your credit score are a joke, says John Oliver

This week on HBO’s comedy show US:TWX “Last Week Tonight,” host John Oliver takes on the topic of credit reports, which he calls “the basis for the …

Jokes

7 Easy Ways To Get Your Financial Life in Order

For lots of people, it’s hard to think of anything less enjoyable than taking stock of their finances. From monthly bills to saving for retirement, …

Your Quick Guide To Choosing Between The Roth IRA & The Traditional IRA For Your Retirement Savings

With the April 18th tax filing deadline quickly approaching, our phones have been ringing with clients looking to make last-minute tax shelters. Have you also exceeded your 2015 income expectations, and are now surprised by the estimated tax bite? Don’t worry, there is still time if you are looking …

What Are the Income Limits Where I Forfeit Social Security Benefits?

Image source: www.401kcalculator.org.<p>You can collect Social Security benefits as early as age 62, and you're free to work after your benefits start. However, depending on your age and income, working after you file for Social Security can reduce your monthly checks. Here's what you need to know …

35 Life Hacks That Will Save You Thousands

From requesting free upgrades to skipping the shaving cream.<p>If you saw a $20 bill on the sidewalk, you’d definitely bend over to pick it up, wouldn’t …

Personal Finance

Why You Should Track Your Spending Over the Weekend (and Beyond)

It's one of the most important things you can do to get your spending on track.<p>This is the Day 6 & 7 challenge in the #MONEY30, a month-long bootcamp …

How much you need to retire literally depends on how you frame the question

It’s conventional wisdom among financial advisers: People planning to retire should aim to maintain 70% of their current income in retirement.<p>It …

6 golden rules to learn anything in record time

The speed at which we learn anything can determine the quality of our lives.<p>Imagine if you could pick up that skill you’ve always wanted to learn, in a matter of months versus years. How would that affect your life?<p>Countless learning experts and researchers have shown us that it is possible to …