Michael Rubin - Kids & Family, Credit Cards, Student Loans, Insurance, Saving, Budgeting, Taxes, Credit Cards & Debt, Debt Management, Budgeting & Saving | Lifetuner

Michael Rubin

Money Advice

PROFILE

Expertise

Kids & Family, Credit Cards, Student Loans, Insurance, Saving, Budgeting, Taxes, Credit Cards & Debt, Debt Management, Budgeting & Saving

Location

Portsmouth , New Hampshire

Education

Ross School of Business at the University of Michigan (BBA), Kellogg School of Management at Northwestern University (MBA)

Bio

Hello! I'm the author of the bestselling Beyond Paycheck to Paycheck - the number one customer-rated book on Amazon.com's Money Management for Young People's list! My passion is a relentless focus on the simplifying of money matters for real people. How? In addition to numerous speaking engagements, I also write the popular Beyond Paycheck to Paycheck blog and have appeared in various media, including Fox News Chicago, radio stations across the country, and national media such as CNN Money.com, latimes.com, The Wall Street Journal, SmartMoney.com, Chicago Tribune, Financial Advisor Magazine, and Investment News. Finally, I'm the President of Total Candor, a financial education company and I live in New Hampshire with my wife and two very young, very hungry daughters.

MY ADVICE

DISCUSSIONS
21

ANSWERS
9

TIPS, BOOKS & LINKS
4

Poll: Your Dad's Best Advice

By jswesey | June 09 2010 | Kids & family, Saving | 785 Views | 1 Comment | 0

Father's Day is coming up, which makes us think about our good old dads and the way they raised us. My father unfortunately isn't around anymore to celebrate this holiday, but I often reflect on all the things I was able to...

Share your affordable summer vacation ideas

By julieda | May 13 2010 | Smart spending, Kids & family | 1159 Views | 4 Comments | 0

My favorite affordable summer vacations have been: Staycation: Be a tourist locally. See the sites and have some meals outs. Day Trips: Do a trip close by for a day. Local hotel stay: 1 or 2 nights at a local hotel can be a...

In the News: 10% of Under 35 Crowd Back with Parents

By jswesey | February 23 2010 | Debt management, Student loans | 1042 Views | 3 Comments | 0

I read the most interesting (and depressing) article in The Atlantic the other day. The article, " How a New Jobless Era Will Transform America " contained a whole slew of interesting statistics. But this one stood out:...

Debt Motivation

By Keith Morris | February 09 2010 | Debt management, Bankruptcy | 1730 Views | 4 Comments | 0

J. Money writes today about how Matt Jabs calculates his daily interest payments as a way to motivate himself to pay down his debt. Sounds like a great exercise, so I'm going to give it a go. This is what I pay each day...

Best way to make a will?

By jswesey | July 14 2009 | Kids & family | 848 Views | 3 Comments | 0

I'm catching up on a few financial tasks and creating a will is one of them. It's true that I'm still young, but I am married and have a child on the way so now seems like a good time. I'm familiar with Nolo press and know...

Help Me Keep My New Year Resolution

By Keith Morris | December 28 2009 | Budgeting | 1022 Views | 10 Comments | 1

Everyone is talking about New Year resolutions. One of the best ways to keep them is to announce your goals publicly. This way, there is an audience to encourage you and hold you accountable. Even if your audience has no...

Save or Pay Off Debt?

By operasinger | November 03 2009 | Saving, Debt management, Bankruptcy | 1691 Views | 7 Comments | 1

I'm a young opera singer and I live in New York City. I do not need a car here, so no debt there, about $20,000 in student loans that I pay over the minimum on every month, about $600 credit card at 17% and $600 credit card...

Disability Insurance and Lay-offs

By madmen | October 27 2009 | Insurance, Health insurance, Health insurance | 930 Views | 4 Comments | 0

If you are laid-off, does it make sense to keep your disability insurance?

I need community and expert advice about health insurance!

By Barefoot1 | July 18 2009 | Insurance, Health insurance, Health insurance | 982 Views | 5 Comments | 0

I am asking the community's advice since more viewpoints are always welcome. My brother-in-law is approaching 62 and while his job is very secure for as long as he wants it, his body is giving out rapidly and he...

Avoiding the baby retail trap

By lynn2008 | June 08 2009 | Kids & family | 581 Views | 3 Comments | 0

I'm just about to have my first child and have been busy getting things ready for her arrival. One thing that has become very apparent is the push for baby stuff! The retail world is salivating over new and excited...

International use of 529 College Savings Plan

By kayruh | August 24 2010 | Education/college planning | 96 Views | 2 Expert Answers | 1

The IRS's web site asks and answers the following: Q. What is an eligible educational institution? A. An eligible educational institution is generally any college, university, vocational school, or other postsecondary...

Better deal financing car than paying in full?

By sirsky | July 30 2010 | Buying a car | 332 Views | 3 Expert Answers | 0

I would keep the financing conversation separate and commit to nothing. Get the best price on the car you can. Be silent on financing or simply state that you'll take the best financing deal (whether it be from...

Canceling Credit Cards

By misterbandman | July 23 2010 | Credit cards, Credit scores | 225 Views | 1 Expert Answer | 0

misterbandam, You answered your own question in your second sentence - sound financial decision making is the most important. With regard to your credit score, the percentage of credit you have used is a criteria. As...

1099 taxes

By kennyb | July 07 2010 | Taxes, Small business, Taxes, Taxes | 202 Views | 1 Expert Answer | 1

While there is a very simple answer to your very simple question, you can learn an endless amount about categorizing people as employees vs. contract labor/independent contractors at the IRS web site:...

W-4 and Teens

By smangan | June 17 2010 | Taxes, Taxes, Taxes | 461 Views | 2 Expert Answers | 2

I wouldn't withhold at all. The typical teen working part-time won't ultimately owe any income taxes. (Childhood actors or pro tennis players are another story.) They will owe payroll (Social Security and Medicare...

deprectiation

By bird | April 11 2010 | Taxes, Taxes, Taxes | 239 Views | 1 Expert Answer | 0

Depreciation is not an easy topic. In fact, it's one thing that often causes people to go to a professional taxpayer. Good for you for trying to get this done on yoru own. There are numerous depreciation systems...

529s

By heathers | January 11 2010 | Kids & family | 545 Views | 2 Expert Answers | 1

It's completely legal to have a 529 plan in a state other than the one in which you live. The primary benefit of opening a 529 plan in your own state is the possible state tax benefits. (Such benefits vary from state to...

Will Opting Out of credit card changes ding my credit?

By hopefulmeg | December 19 2009 | Credit scores, Credit cards | 1308 Views | 2 Expert Answers | 0

Canceling your credit card can lower your credit score since the amount of available credit (one component on your credit score) will be reduced. The larger question is whether that matters. If you're not about to apply...

Unemployment Taxes

By Keith Morris | December 11 2009 | Taxes, Taxes, Taxes | 720 Views | 1 Expert Answer | 0

Keith, What a pain to have to deal with all this on top of a job loss, right? Here's what we know: You're right: no 1040EZ for you. Your self-employment work took care of that. It's impossible for me to determine how...

National Financial Literacy Conference for Educators

By Michael Rubin | September 09 2009 | Giving back | 473 Views | 0 Comments | 0

As the nation’s leading advocate for youth financial literacy, the Jump$tart Coalition for Personal Financial Literacy® is proud to conduct the first national educator conference for K-12 teachers devoted specifically to...

The Beyond Paycheck to Paycheck Blog

By Michael Rubin | September 09 2009 | Budgeting | 495 Views | 0 Comments | 0

Does the world really need another blog? Not for me to say. But the Beyond Paycheck to Paycheck blog isn’t just “another blog.” Rather, this is the continuation of the conversation you and I likely started...

Beyond Paycheck to Paycheck

By Michael Rubin | September 09 2009 | Saving | 504 Views | 0 Comments | 0

Since I am the author of Beyond Paycheck to Paycheck , my recommendation is inherently biased. Nonetheless, here's the deal: I wrote this book for you, a young adult between ages 18 and 39. You're single or newly...

Pay Less for Cable

By Michael Rubin | September 09 2009 | Saving | 600 Views | 0 Comments | 0

Sick of expensive cable bills? Want to save some money? Afraid I'm going to suggest disconnecting cable entirely? I'm not. Instead of removing cable, just call your cable company. Tell them that you need to...

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