My husband and I have regular health insurance, but so far we haven't opted for vision and dental. We're in our mid-50's...would it pay to buy these two extra forms of insurance or should we continue as we are?
My number one question is about credit. My significant other hasnt ever had a line of credit. He thinks it is better this way. He is a money saver and uses cash for everything. Is this a bad or good? Should I keep trying to convince him to open a line of credit?
My number one financial question (right now) is about Roth IRAs. I would love to dabble and open up an account, but I"m not sure if my money would be more useful elsewhere. My family and I have a little bit of extra money, but not a lot. Would a Roth give us the most bang for our buck, or are there better options? 401k from my job is already being maxed out. I'm new to the investment game so suggestions would be appreciated!
My top question has to do with the timing of stock sales. I am getting more comfortable with the research behind choosing stocks but I still worry about when to sell to maximize my investment and minimize any losses.
My top question is, how do I start saving for children's college prior to actually having them? Most tax-advantaged accounts require you to already have a child.
IS it necessary to have a will in Florida where the state will distribute our property they way we would do if we had a will? We have no property, house and anything else that would be pass on to spouse or divide up equally among our 5 children.
Closer to 50 than 40, $20K in credit card debt, partially disabled but not enough to qualify for help, no assets to speak of and don't make enough to cover monthly expenses. What to do?
I'm an average saver. I'd like to force myself to save even more than what I have now. I'd like some ideas or tricks that could help me save even more than I do now.
My biggest question in personal finance is about passive income streams. When is it ok to invest in rental properties in relation to other debt? I live in an area with an expensive medical school, so rental properties are still good business here. My only debt is my mortgage, and I owe less than my annual salary. Is it time to pick up a property where the rent will more than cover the loan on that property? Do I want until I am completely debt-free, but miss 7 years that the property could have paid itself off and be generating income? Am I already behind and should have invested years ago?
My question is: I am 48, single, no kids, and have no debt but behind in my retirement savings. Is it wise to invest a portion of my emergency fund? I feel like I'm losing opportunities by letting so much money earn so little.
What is the best way t stash "emergency" funds? Right now we have it in savings but the interest rate is terrible, but it if I put it in a mutable funds and have to take it out for an emergency then I can lose a lot too.
My top question about personal finance is: How do you kickstart retirement savings when you're getting a late start? How can you catch up and save enough for retirement when you're so far behind?
What are the best options for retirement savings/investing if you do not have access to an employer-matched 401K? I have a Roth-IRA account, however I am unsure how best to handle additional retirement savings after I have maxed out my yearly $5,500 contribution.
I was adopted as a child, and was recently told that I have a life insurance policy in my name. I do not know where to go from here.? My mother lives upstate NY, and I doubt she will hand over the papers. What should i do?
I put away 10% of every paycheck into a savings account. I'm almost done funding our emergency fund. What do I do with this 10% once the emergency fund is complete? Do I use this savings as my sinking fund for recurring expenses, such as auto insurance?
I want to start saving for my child's future, but am not entirely sure that he will go to college or will perhaps seek another path in life, such as a trade school or the military. What is the best way to invest in his future given the many paths available for young people today?
Are there any new options for help with paying off student loans? For example, have any new professional categories been added to loan forgiveness for people who work in lower-paying community-serving jobs? Or are there new options for loan consolidation?
My husband and I have regular health insurance, but so far we haven't opted for vision and dental. We're in our mid-50's...would it pay to buy these two extra forms of insurance or should we continue as we are?
My number one question is about credit. My significant other hasnt ever had a line of credit. He thinks it is better this way. He is a money saver and uses cash for everything. Is this a bad or good? Should I keep trying to convince him to open a line of credit?
What is the best way to save, invest and plan for retirement?
Is it better to use a credit card convenience check or a home equity line of credit?
My number one financial question (right now) is about Roth IRAs. I would love to dabble and open up an account, but I"m not sure if my money would be more useful elsewhere. My family and I have a little bit of extra money, but not a lot. Would a Roth give us the most bang for our buck, or are there better options? 401k from my job is already being maxed out. I'm new to the investment game so suggestions would be appreciated!
How can I stay in action doing things that give long term results, but without short term gratification.
My top question has to do with the timing of stock sales. I am getting more comfortable with the research behind choosing stocks but I still worry about when to sell to maximize my investment and minimize any losses.
My top question is, how do I start saving for children's college prior to actually having them? Most tax-advantaged accounts require you to already have a child.
IS it necessary to have a will in Florida where the state will distribute our property they way we would do if we had a will? We have no property, house and anything else that would be pass on to spouse or divide up equally among our 5 children.
Closer to 50 than 40, $20K in credit card debt, partially disabled but not enough to qualify for help, no assets to speak of and don't make enough to cover monthly expenses. What to do?
Most of us have a lot we want to do with limited resources. What's the best way to prioritize?
I'm an average saver. I'd like to force myself to save even more than what I have now. I'd like some ideas or tricks that could help me save even more than I do now.
My biggest question in personal finance is about passive income streams. When is it ok to invest in rental properties in relation to other debt? I live in an area with an expensive medical school, so rental properties are still good business here. My only debt is my mortgage, and I owe less than my annual salary. Is it time to pick up a property where the rent will more than cover the loan on that property? Do I want until I am completely debt-free, but miss 7 years that the property could have paid itself off and be generating income? Am I already behind and should have invested years ago?
My question is: I am 48, single, no kids, and have no debt but behind in my retirement savings. Is it wise to invest a portion of my emergency fund? I feel like I'm losing opportunities by letting so much money earn so little.
I would like to know where is the best place to invest money that will benefit my families future?
nlamore79 at gmail dot com
What is the best way t stash "emergency" funds? Right now we have it in savings but the interest rate is terrible, but it if I put it in a mutable funds and have to take it out for an emergency then I can lose a lot too.
My top question about personal finance is: How do you kickstart retirement savings when you're getting a late start? How can you catch up and save enough for retirement when you're so far behind?
What are the best options for retirement savings/investing if you do not have access to an employer-matched 401K? I have a Roth-IRA account, however I am unsure how best to handle additional retirement savings after I have maxed out my yearly $5,500 contribution.
My top question is how to take advantage of a health savings account without employer support.
I left my 1st employer where should I roll over my Roth401k and after tax contributions? I now work for local government and contribute to a pension.
I was adopted as a child, and was recently told that I have a life insurance policy in my name. I do not know where to go from here.? My mother lives upstate NY, and I doubt she will hand over the papers. What should i do?
I put away 10% of every paycheck into a savings account. I'm almost done funding our emergency fund. What do I do with this 10% once the emergency fund is complete? Do I use this savings as my sinking fund for recurring expenses, such as auto insurance?
I want to start saving for my child's future, but am not entirely sure that he will go to college or will perhaps seek another path in life, such as a trade school or the military. What is the best way to invest in his future given the many paths available for young people today?
What's your advice on P2P lending? Seems you can earn a bit more in interest, for money that's just sitting around.
Are there any new options for help with paying off student loans? For example, have any new professional categories been added to loan forgiveness for people who work in lower-paying community-serving jobs? Or are there new options for loan consolidation?