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Dayana Yochim

Dayana Yochim

TMFSchool

Recent articles

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6 Social Security Withdrawal Strategies Everyone Should Know

You get only two chances to time your benefits application just right.


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8 Reasons Your Social Security Disability Claim Was Rejected

Don’t get turned down for disability benefits because of application mistakes. Know the rules and be armed with the right information to make your case.


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Emergency Fund Guidelines: Do You Really Need 3, 6, or 12 Months?

What’s wrong with the “save 3-to-6-months of your income” rule and how to calculate how much you really need for a cash cushion.


8 Ways to Avoid a Nanny Tax Nightmare

Don’t let the IRS catch you paying your household helper under the table.


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Social Security Disability Requirements: 5 Things You Need to Know

Two-thirds of disability applications are rejected. Here’s how to boost the odds of being approved.

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Are You Emotionally Ready for Retirement?

Four things to do so that you don't end up hating retirement.


Nanny Tax Rules: Not Just for People With Nannies

Got a yard guy? A home health aide? Live-in cat minder/goldfish psychic? Watch out: You may be on the hook for employment taxes.


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Spousal IRA Rules for Couples in 2015

A spousal IRA is a key way for nonworking spouses to save for retirement. Here are the IRA rules for couples.


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Estate Planning Checklist: How to Protect Your Future, Your Family, and Your Property

A to-do list for preparing an estate plan and avoiding any serious omissions or mistakes.


Joint vs. Separate Bank Accounts: The Right Mix for Financial Harmony

Mine, yours, or ours? Deciding whether or not to combine your financial lives, and if so, how far the merger should go.

OMG! The NYSE Just Went Cray-Cray!

How did you react when trading was halted on the NYSE?


Roth IRA vs. Traditional IRA: Which Type of Account Should I Choose?

11 questions to help you figure out which type of account is right for you.


Stop Believing These 7 Credit Score Myths

Bad advice can wreck your credit.


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What Is a Nondeductible IRA? (and 6 Reasons You'd Even Bother With One)

Everything you need to know about nondeductible IRAs, and what to do if it’s your only IRA option.


What Is a Roth IRA?

How it works, what’s the deal with taxes, why choose a Roth over another type of IRA, and how to figure out if you’re eligible to contribute.

How to Ask for a Raise

Advice from the guy who signs our paychecks on how to successfully negotiate a raise. Also, the morality of defaulting on student loans and a free financial life planning website we like.


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IRA Eligibility: Can I Contribute to an IRA in 2015?

Based on your age, income, tax filing status, and other factors, here’s how to figure out how much you are allowed to contribute to a traditional, Roth, Spousal, or SEP IRA.


Awkward Money Situations: Do You Have a Will?

How to find out the state of your parents' estate plan without sounding like a vulture.


How to Negotiate Like a Pro

Want to slash your cable bill and other service costs? Here are tips from our in-house Negotiator in Chief.


What Is a Traditional IRA?

Are you eligible? How much can you contribute? How much can you deduct? Here’s your guide to the traditional IRA.