Miranda Marquit's Articles

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How to choose between a traditional 401(k) and a Roth 401(k)

by Miranda Marquit on September 26, 2013

401KIt’s been several years since the Roth 401(k) was introduced to the American retirement scene. As this retirement planning option has become more well-known, and as more employers offer the Roth version of the venerable 401(k), more workers are faced with making a decision about which is more likely to help them reach their retirement goals.

If your employer offers access to a Roth 401(k), it makes sense to rethink your retirement contribution plan. Here’s how to decide which type of 401(k) to use for your retirement investment.

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FHA loans drop off as housing market recovers

by Miranda Marquit on September 25, 2013

FHA LoanWhile the housing market is far from a complete recovery, it is making progress. The S&P Case-Shiller 20-City Composite Home Price Index rose 12 percent between July 2012 and July 2013, according to the most recent numbers, and just about every facet of the housing market is showing improvement. With the economic situation improving (albeit slowly), more buyers feel comfortable with their options and lenders are more open to extending credit.

With these changes, FHA loans, which had gained in popularity during the Great Recession, are dropping off. More homebuyers seem to be looking to conventional loans.

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Can you earn a ‘real’ graduate degree online?

by Miranda Marquit on September 24, 2013

7.365_todd_takes_a_classOne of the growing trends in education is to go online. There are plenty of free online classes and educational resources, but the reality is that many of these free courses are simply meant for your own enrichment. You might be able to access OpenCourseWare from MIT for free, but these free resources will not provide you with a degree, and you can’t receive college credit for completing these courses.

But that doesn’t mean online courses are useless. Indeed, many accredited colleges provide ways for you to earn your degree entirely online. You just have to be willing to pay.

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How the IRS ruling affects same-sex couples’ taxes

by Miranda Marquit on September 20, 2013

Gay pride 013 - Marche des fiertés Toulouse 2011.jpgThe recent ruling by the U.S. Supreme Court that the federal government has to recognize gay marriage is impacting a number of people, as well as policies.

Among the policies that are being affected by the DOMA ruling are tax policies. Immediately after the ruling came down, there were questions about how the IRS would handle same-sex marriages at tax time. Recently, though, the IRS ruled on how it will proceed.

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The mortgage tax deduction: beyond the hype

by Miranda Marquit on September 19, 2013

House and Money on ScalesOne of the benefits of homeownership that many of us hear about is the mortgage interest tax deduction. After all, how many loans out there provide you with a tax deduction for the interest that you pay? (Student loans and business loans, as well as mortgages.)

But are you really benefiting from the mortgage tax deduction? And is it really something that has a big impact on your finances? As with most matters of personal finance, the answer depends on your own personal situation.

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Investing: Fundamental Analysis vs. Technical Analysis

by Miranda Marquit on September 17, 2013

Wall StreetIf you are interested in investing, you know that it’s important to find a way of evaluating your potential investments so that you are able to choose what is most likely to provide you with the best chance of a reasonable return.

But how can you determine which investments are likely to provide you with the highest potential performance? There are two main types of analysis that you can use as you evaluate investments: fundamental and technical.

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Are Penny Pinchers Prettier than Other People?

by Miranda Marquit on September 16, 2013

Find a penny, pick it up.When many of us think about attracting a potential mate, we consider what we wear, what car we drive, and other somewhat shallow items. But what if that’s not what really matters to those we are trying to impress?

What if what matters more is frugality?

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How to Quit Your Job the Right Way

by Miranda Marquit on September 12, 2013

Quit your jobIt’s common, at some point, to decide that it’s time to quit your job. Whether you are moving on to a new position at a new company, or whether you are quitting the rat race altogether, you might feel as though you are ready for bigger and better things.

Your coworkers, and even your bosses, shouldn’t be forgotten, however. In fact, these same coworkers and bosses might be helpful to you down the road. You might need a letter of recommendation, or a former colleague might prove valuable as you network.

Before you quit your job, make sure that you are ready to do it right. Executive coach Kathi Elster is the author of Working With You is Killing Me, and she has 7 tips that can help you quit your job, hopefully without burning bridges:

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