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Derek Miller

Mortgage, Retirement and Budget Expert

Derek Miller is a graduate of the University of Edinburgh where he studied economics. He is passionate about using data to help people make better financial decisions. Derek is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society for Advancing Business Editing and Writing. He is a data journalist whose expertise is in finding the stories within the numbers. Derek's writing has been featured on Yahoo, AOL, and Huffington Post. He believes the biggest financial mistake people make is waiting too late to save for retirement and missing out on the wonders of compounding interest. Derek lives in Brooklyn.

Posts by Derek Miller:

by Derek Miller Dec 12, 2016

It is easier for Americans to travel to Cuba than it’s been since the establishment of the economic embargo over 50 years ago. And this has not gone unnoticed. According to Cuban reports, the number of American visitors to the country increased by 50% last year. Despite this, figuring out how to travel to Cuba can still be a daunting process. Read on for a guide on understanding the ins and outs of who is allowed to go, how to get there and what to be prepared for once you’re on the ground. Read more

by Derek Miller Sep 20, 2018

Many people look forward to the day they can hang up their work clothes for good and enjoy their golden years. For most people, retirement occurs sometime in their late 60s or even their 70s. However, with careful planning and prudent financial management, it is possible to retire even earlier. There are many factors at play when determining whether a place is suitable for an early retirement. First and foremost are financial concerns.  Read more

by Derek Miller Mar 09, 2017

Smoking is the leading cause of preventable death in the United States, according to the Centers for Disease Control and Prevention. An estimated 480,000 people die each year from smoking-related deaths, costing an estimated $300 billion in healthcare costs and lost productivity. The National Institute on Alcohol Abuse estimates that 88,000 people die per year in the U.S. from alcohol-related causes. In order to limit consumption of these two leading causes of death, state and federal governments place taxes on them. Read on for more on the effect of these so-called “sin taxes.” Read more

by Derek Miller Nov 30, 2016

There have been 70 total NBA championships since the league’s inception and 44 of those have been won by the same four teams – the Celtics, the Lakers, the Bulls and Spurs. The Boston Celtics alone… Read more

by Derek Miller Oct 17, 2017

When people think about Thanksgiving, they may imagine an extended family enjoying a feast of turkey, squash, corn and pumpkin pie. That’s certainly a key part of the American tradition, but it doesn… Read more

by Derek Miller Nov 17, 2016

People choose where to live based on a variety of factors. Although safety may not the number one concern for everyone, it is certainly a factor most people consider when deciding on a place to call… Read more

by Derek Miller Nov 16, 2016

Much has been written about rent increases in America’s largest cities. Data from the U.S. Census Bureau shows that in cities like Boston, New York and San Francisco, rents have risen by 10-15% from… Read more

by Derek Miller Nov 16, 2016

According to most research, a pay gap exists between men and women in the U.S. The numbers vary but for the working population over age 15 nationwide that gap is around 28%, according to data from… Read more

by Derek Miller Nov 10, 2016

There were 4,821 fatal occupational injuries in America in 2014. That’s a 5% increase from 2013, according to the Bureau of Labor Statistics. While all workplaces take precautions to limit fatal… Read more

by Derek Miller Aug 10, 2018

The process of readjusting to civilian life can be difficult for many veterans. One survey from Pew Research Center found that 27% of veterans said they had a difficult time reacclimating to civilian… Read more

by Derek Miller Oct 31, 2017

City dwellers can get pretty riled up when extolling the virtues of their chosen city. Just try talking to any New Yorker. But have you ever wondered how your city compares to others in practical… Read more

by Derek Miller Nov 03, 2016

Baseball may be America’s pastime but football, and the NFL in particular, is the most popular sport in America today. Last season the NFL made over $13 billion in revenue and 111.9 million people… Read more

by Derek Miller Oct 11, 2016

Looking back at 2005, it’s amazing to see how much the world has changed. Facebook was still in its infancy, iPhones didn’t yet exist and dial-up was still clinging to a dominant market share of the… Read more

by Derek Miller Nov 03, 2016

November is just around the corner, which means it’s almost time for Americans to go out and vote. However, there is wide disparity in voter turnout across the 50 states. In 2014, some states had as… Read more

by Derek Miller Mar 14, 2018

In 2005 the American consumer landscape looked pretty different than it does today. Some once-ubiquitous items like Motorola Razr cellphones and Livestrong bracelets have all but disappeared. Changes… Read more

by Derek Miller Sep 29, 2016

Ever since Samuel Slater brought the secrets of the English textile industry to America, manufacturing has been a big part of the American economy. From the New England textile mills to Pittsburgh’s… Read more

by Derek Miller Sep 15, 2016

Modern subway book lovers are in many ways like tango dancers. If they can’t get a seat, they bravely stand together, limbs interlocked for balance, books tenderly placed against noses, swaying… Read more

by Derek Miller Sep 07, 2016

Political season is upon us and it seems nearly impossible to escape political discussions. While some people enjoy arguing with those who have opposing viewpoints, others like to speak mostly with… Read more

by Derek Miller Aug 30, 2016

Almost all political discussion today is centered around the question, “how will this affect the economy?” The issues which the Trump and Clinton camps base their campaigns around like immigration,… Read more

by Derek Miller Aug 24, 2016

The Summer Olympics. It’s that event that comes every four years and enthralls Americans with dancing horses, synchronized swimmers and whatever that sport is which takes place in the velodrome. This… Read more

by Derek Miller Aug 30, 2016

Depending on where you are in the world Americans have different reputations. Some perceive us as lazy, while others think of Americans as hustlers, who believe in working hard to get ahead. Data… Read more

by Derek Miller Aug 16, 2016

Almost 2 out of every 3 Americans are overweight or obese, according to data from the 2009-2010 National Health and Nutrition Examination Survey. While the science behind dieting and obesity is not… Read more

by Derek Miller Aug 02, 2016

Among all the beloved foods in America, pizza seems to be one of the most hotly debated. Due to its simplicity and loosely defined parameters (dough, cheese, sometimes sauce), just about everyone has… Read more

by Derek Miller Aug 23, 2017

It is common occurrence on American highways for near-accidents to occur. It is also a common occurrence on American highways for people in near-accidents, to look at the license plate of the near… Read more

by Derek Miller Jul 21, 2016

According to the 2015 Time Use Survey, Americans spend almost three hours per day watching TV and movies. But how Americans watch is changing. Thanks in large part to streaming services like Hulu and… Read more