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Michael Kling

I am a freelance writer specializing in business and finance topics. I offer web content, ghostwriting, and writing and editing services.

Latest articles by Michael Kling

The 5 Best Reasons to Start Investing in Bonds Now

Bonds offer investors several advantages, but you should understand their potential risks and basic terms before you jump in.

Don't Let Poor Health Kill Your Retirement Fund

Health care costs make up a big part of retiree spending. Plan for a healthy finances and a healthy body today to make a big difference tomorrow.

How to Turn Unwanted Gift Cards Into Cash

What to do with that stack of gift cards you're never gonna use? Sell them for cash, or trade them for gift cards you really will use. It's easy!

What Happens to Your Online Stuff After You Die?

After you're gone, your virtual self will live on — for a while. Grant your heirs access to your digital property before it's gone, too.

8 Ways to Reduce Mortgage Closing Costs

Mortgage closing costs can add up to thousands of dollars. Discover how you can easily and drastically reduce these costs.

Don't Fall for These Common Obamacare Scams

Nothing brings out grifters like chaos and confusion. The opening of the Obamacare health insurance exchanges has given them a golden opportunity.

7 Reasons Why I Savings Bonds Are a Good Choice for New Investors

Safety, low minimums, and other advantages make I Saving Bonds a good choice for new investors.

Get Help Renovating Your Home With an FHA 203(k) Mortgage

The FHA 203(k) home renovation mortgage is an excellent option for purchasing and renovating a fixer-upper.

Why You Should Consider an Adjustable-Rate Mortgage

Despite a bad reputation, adjustable-rate mortgages are making a comeback. Learn why an ARM might be the right choice for you.

Save More by Avoiding Multiple Bank Accounts

Have you been using multiple accounts to save for multiple goals? New research suggests a simpler system might lead to more saving.

FHA Home Loans: You Can Buy a Home Even If Your Finances Aren't Perfect

Even with stricter post-crash lending standards, FHA home loans remain a great option for home buyers who don't have perfect credit or large down payments.

Cut Your Electric Bill With Solar Panels

Solar panels can reduce your electricity bill, increase your home's value, and reduce your carbon cost to the environment. Here's how to get started.

How Much Should You Spend on a New Car?

If you're looking for a new car, use this simple rule to put yourself in the driver's seat while remaining in control of your car expenses.

Unclaimed Assets: Is the Government Holding Your Money?

You might be entitled to some of the $42 billion in unclaimed property the government is holding. Find and reclaim your loot with these online tools.

How to Refinance Your Mortgage

Refinancing can save you hundreds of dollars a month and help you pay off your mortgage faster. Here's a quick overview of the process.

9 Ways to Seal Leaks and Reduce Your Winter Heating Bill

Hot air may be leaking from your home in places you haven't considered. Follow these methods to stop those leaks and stay warm for less.

9 Frugal Ways to Treat the Common Cold

Don't spend a bundle on medicines to fight the common cold — you can alleviate most symptoms just as well with these inexpensive home remedies.

Boost Your Retirement Savings: Avoid 401(k) Fees

New rules will make it easier to monitor fees charged by your 401(k) account administrator. Here's how to avoid paying many of them.

From Beanie Babies to Baubles: 5 Unconventional Investments

If you're savvy, your unconventional investment can produce an outsize return. But be wary — these also come with a lot of risks.

How Kids and Adults Can Earn Extra Income by Doing Voice-Overs

Want to get paid just to talk? It takes some dedication, but doing voice-over work can bring in extra cash for kids and adults alike.