BLOG & INSIGHTS

We provide insights, commentary, common sense advice and money saving tips on topics from budgeting, investing, retirement, debt & loans, compensation & benefits, and much more. Our goal is to help individuals, couples, and some organizations find ways to improve their financial well-being by scaling up your earnings capabilities, saving more efficiently, and investing smarter. Although there are other sites that offer advice on the same types of topics, Derastone.com brings its own unique voice to the conversation – a voice that tries to represent the audience it serves.

Having Conversations About Finances

Working on your personal finances isn’t easy when you’re going it alone - much less when you need to incorporate other people into your plan. However, none of us live in a vacuum. We’re surrounded by family members who we love - and often times they play a large role...

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Organizing Your Taxes Before the New Year

The end of the year is creeping up on us, and that means it’s almost tax season. The good news is that you still have time left to get organized and maximize your tax savings before 2018. As we head into the holiday season, it’s important to prioritize your...

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Roth vs. Traditional IRA: Which Is Best for You?

When it comes to retirement plans, Individual Retirement Accounts (or IRA's) are a popular option for many investors. But there are choices to make if you decide on this method of saving, with several different types of IRA available to suit your financial...

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Different Types of SBA Loans Explained

The Small Business Administration (SBA) was created with the main purpose of helping Americans start small businesses by providing funding assistance and support through a number of different loan options. The SBA guarantees these loans to prospective small business...

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6 Important Life Insurance Tips for Singles

We often associate life insurance policies with people who are married or have children who need to be cared for in the event of an untimely demise. But these folks aren't the only ones who should consider getting good life insurance. Singles would be well-served by...

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Will Vs. Living Trust

When the topic turns to asset management post-mortem, there are two ways you could go to ensure that all of your assets are transferred properly. You're likely familiar with a will and how it works but another option is to establish a living trust. We're going to...

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When Is the Right Time to Buy Life Insurance?

It's a question with a pretty clear-cut answer: Buy life insurance when you're young and healthy. End of story. The longer you wait, the more expensive it can get. That's why some parents will purchase a policy for their newborn, to ensure the child's financial future...

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6 Factors to Consider Before Switching Banks

You've finally had it with your bank. Whether it's due to the excessive fees, deposit policies, or you're just not happy with the customer service, you're not alone. Millions of people consider switching banks every year to find a better and more rewarding experience...

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What Is a Trust and Should You Have One?

A trust is all about responsible asset management. Creating one can be done under a variety of considerations in an effort to protect your money. When you establish a trust you're imposing rules and restrictions on how those funds are to be saved, distributed, and/or...

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What Is a Bonus Tax Rate?

Many companies hand out bonuses to their employees to acknowledge a job well done over the course of the year. These incentives can go a long way toward motivating the workforce by rewarding employees who have gone above and beyond in their duties. However, bonuses...

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What are Small Habits That Can Make You Wealthy?

They say small actions can have big consequences. Such is the case when it comes to your money. Putting away a few pennies here and there can add up to plenty of dollars later on. True wealth is earned over time and adopting a few small and simple habits along the way...

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10 Financial Mistakes New Parents Often Make

New parents can quickly get overwhelmed by the laundry list of responsibilities they face with a new baby. Working on very little sleep and baby-proofing the home are just two of the many things you'll be faced with once you bring your little bundle of joy back from...

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6 Common Questions Answered About Tax Extensions

Tax extensions, the easy way out of doing your taxes. Unfortunately not. There is no "easy way out" for getting your taxes done on time but millions of Americans are under the impression that filing a tax extension gives them more time to file and even pay what they...

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Top 6 Tax Deductions for Job Seekers

Looking for a new job can be its own full-time endeavor and it can be costly in the process. A job search is never easy nor is it anyone's idea of a good time, but if you've been out of work for an extended period of time, you know that it's a vital necessity that can...

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