Miranda Marquit

Articles by Miranda Marquit

Miranda is a freelance writer and professional blogger. She writes for a number of personal finance blogs, including the AllBusiness Personal Finance Corner. She has a M.A. in journalism, and is the coauthor of Community 101. Miranda lives Utah, where she enjoys spending her free time reading, traveling and playing with her son and husband.

Miranda has written 63 articles on Smart On Money! Read the articles in the archive below.

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Is A Zero Based Budget Right For You?

June 8, 2011

One of the budgeting techniques that has gained some popularity in recent years is the zero based budget. The question is, will the zero based budget work for everyone?

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What Are Required Minimum Distributions?

May 31, 2011

One of the realities of tax-deferred retirement accounts is the required minimum distribution (RMD). The RMD is the amount that you have to withdraw from your tax-deferred traditional IRA, 401k or other account each year. Your RMD is figured based on the balance in your IRA at the end of the previous year. If you [...]

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3 Things You Need To Do Before You Retire

May 23, 2011

Many of us look forward to retirement, excited to live the life we have imagined, and ready to put down some of the burdens of work. (For some, a working retirement is actually preferred.) However, before you retire, it’s important to plan ahead to make sure that you are ready when the time comes. Before [...]

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TIPS: Inflation Protection For Your Portfolio

May 16, 2011

If you want to add a little more stability to your portfolio while keeping pace with inflation, Treasury inflation-protected securities (TIPS) might be a workable solution.

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Financial Perks Contractors Can’t Take for Granted

May 9, 2011

In the world of employees with stable jobs and benefits, there is a lot that can be taken for granted. The self-employed, home business owners, contractors and freelances, though, can’t take many of these benefits for granted. Indeed, before leaving their jobs, they often neglect to think about the value of the benefits they receive [...]

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Withdrawing From Your Retirement Account: Loans And Hardship

May 2, 2011

At some point, you might end up in a situation where you feel like you need to withdraw money from your retirement account. You might have come up against some unexpected hardship, and need the money, or you might want the money for an education, or to help with the down payment on a home. [...]

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Choosing A Targeted Retirement Fund

April 27, 2011

Targeted retirement funds can take a lot of the worry out of retirement planning, but before you take the plunge it helps to carefully consider your options.

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What Constitutes A Worthwhile Expenditure?

April 21, 2011

My husband is finishing up his Ph.D. this month. His defense is scheduled, and everything should be wrapped up by the beginning of May. This means, of course, that he will be looking for a job. He has already applied for a few jobs, and has been looking for openings, but many potential employers (mostly [...]

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“Working” Retirement: Make Money Doing What You Love

April 13, 2011

Retirement doesn’t have to mean sitting on your front porch, waiting for the grandkids to show up. You can still do something you love, and possibly make money at it.

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Why Your Credit History Matters

April 5, 2011

Even if you don’t use credit cards, already have a house, and buy used cars with cash, knowing your credit history is still important. Here’s why

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Are You Sacrificing Your Retirement?

March 28, 2011

Many of us don’t realize that we’re sacrificing retirement. Indeed, we are often unaware that some of the choices we make now can have far-reaching consequences that can put retirement at risk.

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How To Financially Prepare For A Disaster

March 23, 2011

There is no way to be completely prepared for a disaster. However, you can do your best to prepare yourself financially for an emergency that could cause you problems.

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