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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 of American Business Editors and Writers. 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 11, 2017

Conferences bring together like-minded individuals for the chance to trade information, network and conduct business. Conferences are also an economic boon to the cities which welcome them, filling local hotels, exhibition halls and restaurants with paying customers. But not all cities are equally well set up to host conferences and receive this economic bounty. Below SmartAsset digs into the numbers to rank the best cities for conferences. Read more

by Derek Miller Dec 08, 2017

For long periods in this nation’s history manufacturing was the dominant industry, providing jobs and financial security for wide swaths of the population. Today manufacturing is not the force it once was with service jobs being the go-to occupation for many workers. This movement of manufacturing jobs out of America became a big political issue the 2016 presidential election. In some places across America however, manufacturing industries are still thriving. Read more

by Derek Miller Nov 28, 2017

It’s hard to overstate the value of an education. An education can boost long-term earnings and open up new career paths. But it can be tricky to measure the precise impact of pursuing higher degrees. Is a high school diploma enough? Should you pursue a master’s degree? The answers to those questions may differ based on where you live. Below we analyzed the cities where earning more education pays off the most. Read more

by Derek Miller Nov 20, 2017

Thanksgiving is traditionally known for spending time with family and eating delicious food. But more recently, time spent eating and giving thanks has been losing ground to time spent shopping.… Read more

by Derek Miller Nov 16, 2017

People advise you to do what you love. But sometimes doing what you love doesn’t pay your mortgage bills. Of course, it’s possible to combine your interests with a career with solid earning potential… Read more

by Derek Miller Nov 16, 2017

The United States is the second-most generous country in the world, according to 2016 data from the Charities Aid Foundation. But not all states in the United States are equally generous. Residents… Read more

by Derek Miller Nov 15, 2017

Almost half of renters (46%) spend more than 30% of their income on rent, according to Census Bureau data. This means they are classified as housing cost-burdened based on guidelines from the… Read more

by Derek Miller Nov 09, 2017

Many people decide to become teachers for idealistic reasons. They want the opportunity to teach and mold tomorrow’s generation. However that doesn’t mean teachers cannot make strategic decisions… Read more

by Derek Miller Nov 09, 2017

One of the most pressing concerns for the economy today is the gender pay gap. Different sources will give different figures, but almost all data shows that on average women get paid less than men.… Read more

by Derek Miller Nov 09, 2017

Do you want to retire early? Starting your golden years sooner may sound enticing but it’s a difficult proposition. You’ll probably need to earn a lot, and you’ll definitely need to save aggressively… Read more

by Derek Miller Dec 22, 2017

Update December 2017: On December 20, the Senate passed the new GOP tax bill that marks the biggest rewrite of the tax code in decades. Later the same day, the House also gave final approval to the… Read more

by Derek Miller Nov 09, 2017

Nursing is one of the fastest-growing occupations in the country, according to data from the Bureau of Labor Statistics. But in some places that growth is higher than in others. Additionally a nurse… Read more

by Derek Miller Nov 07, 2017

The unemployment rate in the U.S. hit 4.2% in September 2017, according to Bureau of Labor Statistics. This is the lowest it’s been in a decade, since the start of the Great Recession. While a low… Read more

by Derek Miller Nov 08, 2017

What makes a city a great place to live? You’ll probably get a different answer from every person you ask. But there are some factors that the majority of people would agree makes a city livable. For… Read more

by Derek Miller Jan 08, 2018

There are 2.6 million workers in the United States who are paid at or below the federal minimum wage, according to the BLS. About half of these workers are over the age of 25, including adults who… Read more

by Derek Miller Oct 25, 2017

Whether it’s $14 avocado toasts, $5 lattes or $1,000 iPhone Xs, millennials have become the punchline of many jokes for their alleged profligacy. But is this reputation earned? SmartAsset gathered… Read more

by Derek Miller Oct 24, 2017

North Carolina is the ninth-most populous state in the country. Millions of parents in the Tar Heel state have to decide where to raise families. Should they go to Charlotte, a bustling city with the… Read more

by Derek Miller Oct 19, 2017

As the effects from climate change become more and more apparent, many Americans are wondering what they can do. For some that means recycling more or using less water. For others, it might mean… Read more

by Derek Miller Oct 18, 2017

Just under 10% of Americans chose Halloween as their favorite holiday, according to a 2015 Harris Poll. The chance to dress up and eat candy is always a treat, especially for the younger generation.… Read more

by Derek Miller Oct 18, 2017

Oregon is known for its geographic diversity. The dense forests and bodies of water which dot the Oregon countryside make it a haven for nature lovers. And there are big populous metro areas like… Read more

by Derek Miller Oct 12, 2017

Finding the right place to buy a family home can be difficult. Families with more than one child need enough space to live comfortably. But larger homes can be tough to find, especially large homes… Read more

by Derek Miller Feb 14, 2018

Americans love to tout their hard-working natures. In fact, among countries in the Organization for Economic Cooperation and Development (OECD), the average American ranks around 13th for most hours… Read more

by Derek Miller Oct 10, 2017

It’s widely accepted that baseball is America’s pastime, but for many people baseball starts and ends with the major leagues. However, there are over 150 teams plying their trade in the minor leagues… Read more

by Derek Miller Nov 20, 2017

Raising a family in a small city can be an enriching experience. Small cities come without much of the hustle and bustle of larger cities or the sky-high costs of living. Plus, many small cities… Read more

by Derek Miller Oct 04, 2017

Visitors made 82 million trips to national parks across the United States in 2016, according to data from the National Park Service. That’s 17 million more visits than were made in 2012. But which… Read more