It Pays to Ask Giveaway
Posted by Rachel on August 11th, 2008 filed in Contests|
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It pays to know what you don’t know! |
The deadline for entries is 8:00pm EST August 25th (08/25/2008)
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328 Responses to “It Pays to Ask Giveaway”
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August 11th, 2008 at 8:53 pm
Question #1: Where is a good place to put my short-term savings?
August 11th, 2008 at 8:54 pm
Question #2: What’s one thing I can do right now that will improve my credit score?
August 11th, 2008 at 8:55 pm
Question #3: How much debt (%) is too much to have for one person?
August 11th, 2008 at 8:58 pm
Question #4: Is online bank auto bill pay safer than bill payment by withdrawal?
August 11th, 2008 at 8:59 pm
Question #5: How do you do credit card arbitrage and when is it a good idea?
August 11th, 2008 at 9:26 pm
How do you go about correcting incorrect entries on your credit report?
August 11th, 2008 at 9:32 pm
You hear a lot about the debt reduction programs; can you go about the same process on your own? Can you contact your credit card companies and ask them to lower your balance? Would this cut out the fee that the debt reduction programs get?
August 11th, 2008 at 9:34 pm
Should I pay off my mortgage by making extra payments if I am going to sell in 5 years?
August 11th, 2008 at 9:36 pm
What is a GATE loan and how do I get one for school?
August 11th, 2008 at 9:37 pm
Are the earnings from work study taxable?
August 11th, 2008 at 9:38 pm
What is a FICO score?
August 11th, 2008 at 9:39 pm
What is a person to person loan?
August 11th, 2008 at 10:01 pm
What is the best way to help your children build a stable credit base when they reach 18, with the lowest amount of risk.
August 11th, 2008 at 10:04 pm
How can I raise my credit score? Great giveaway, thanks!
August 11th, 2008 at 10:06 pm
If a person loses his job, or becomes disabled (even temporarily) , what are the first steps they need to do in protecting their assets and their credit?
August 11th, 2008 at 10:10 pm
What are the benefits and negatives of doing a credit freeze through the 3 agencies?
August 11th, 2008 at 10:19 pm
How much money is too much to have in one bank?
August 12th, 2008 at 8:54 am
Does it ever make sense to save money at a lower interest rate than to pay off a debt (such as a student loan) at a higher interest rate?
August 12th, 2008 at 9:20 am
Q#1- How do I start building credit for my children?
August 12th, 2008 at 9:21 am
Q#2- What amount is best to start a money market account with?
August 12th, 2008 at 9:22 am
Q#3- Is it truly bad to withdraw from an investment when you lose money?
August 12th, 2008 at 9:23 am
Q#4- Is it best to have only one bank for all of your needs and services?
August 12th, 2008 at 9:23 am
Q#5- Are credit cards that offer rewards just really gimmicks?
August 12th, 2008 at 1:16 pm
whats the best way to teach a teen with his first credit card- he is 18- but got a credit card that has no linit, and want him to learn to only use for emergencies and pay off each month
August 12th, 2008 at 1:17 pm
if someone bounces a check to you, what are your repurcusions as a person and not a business?
August 12th, 2008 at 1:18 pm
if a business bounces a check on you but then the bank goes for a second time and it clears, but has cost you money because of the bounce what can you do to ge those charges back from the person who bounced
August 12th, 2008 at 1:19 pm
how can you get the credit card companies to stop sending you applications thru the mail- the preapproved- is there a site? or someone to call
August 12th, 2008 at 1:20 pm
how safe are the banks online- like ing? that are only online?
August 12th, 2008 at 2:04 pm
I have a credit card bill for $5. I keep wondering if writing a $5 check and attaching a 39cent stamp is worth it. Should I just let it slide and let it move on to the next bill?
August 12th, 2008 at 2:05 pm
I have $2000 in my savings for emergencies. I haven’t had to use it for years. Should I put it in a bond? What if I need to take it out before the bond is up? Will I lose out?
August 12th, 2008 at 2:06 pm
My dad says it’s healthy to have a little bit of debt. I don’t agree. Which one of us is correct?
August 12th, 2008 at 2:07 pm
I’m finishing school in one year. Should I consider seeing a financial planner before I start a job?
August 12th, 2008 at 2:08 pm
I’ve never invested money in stocks (or anything really). Do have a suggestion for a good book to help me get started?
August 12th, 2008 at 3:20 pm
I like banking on-line but worry about safety. How safe is it?
August 12th, 2008 at 3:20 pm
When I shop on-line, how safe is it to use my credit card information?
August 12th, 2008 at 3:20 pm
Is it better to bank with a credit union or with a bank?
August 12th, 2008 at 3:21 pm
Should I get a new car and a new car loan to improve my credit score?
August 12th, 2008 at 3:22 pm
I’ve gotten my free credit report and score - now what?
August 12th, 2008 at 3:44 pm
I’m looking at investing into a 401K. How much faith can I put into the quiz (Investor Questionnaire) to determine my investment approach?
August 12th, 2008 at 4:46 pm
What is the best media to start saving for kids college?
August 12th, 2008 at 4:47 pm
What does the average couple need, monetarily wise, as a minimum for a comfortable retirement?
August 12th, 2008 at 4:48 pm
Should a person refinance their house to purchase a new car, so they can use this interest paid as a tax deduction?
August 12th, 2008 at 4:48 pm
What do financial institutions feel is an ‘excellent’ credit score?
August 12th, 2008 at 4:49 pm
Is it wise to purchase a house in this state of the economy when so many homes are going into foreclosure?
August 12th, 2008 at 8:39 pm
WHICH IS BETTER INVESTMENT BONDS OR STOCKS?
August 12th, 2008 at 9:16 pm
How can credit card companies raise your apr when it was supposed to be a fixed apr? I read where Bank Of America did that to a lot of people me included when I have never been late or missed a payment. I could never get an answer on that and are other credit card companies going to follow suit.
August 13th, 2008 at 6:16 am
My credit card company likes to play a game where they mail out my statement 5 days beofre it is due, basically making me perpetually late. Is there a law against this behavior?
August 13th, 2008 at 7:31 am
Which will keep my credit score higher?:
1) having a credit card but ALWAYS paying it on time, or
2) taking a bit of debt.. i.e. purposefully paying a few days late once or twice… which of course pays the bank but doesn’t ruin the trust that I do pay my bills in a reasonable manner?
August 13th, 2008 at 10:22 am
I have several credit cards with high limits and zero balances. If I cancel these cards will it lower my credit rating?
August 13th, 2008 at 12:54 pm
What percent of my income should I put into my 401K program at work?
August 13th, 2008 at 1:13 pm
How do you begin to build credit after bankruptcy when no one will give you credit? I need a new car and no one will give me one.
August 13th, 2008 at 1:42 pm
What is the best way to minimize loan payments after college?
August 13th, 2008 at 2:48 pm
Is it better to finance or to lease a new car?
August 13th, 2008 at 3:24 pm
HOW DOES ONE PICK OUT THE RIGHT MUTUAL FUND?
August 14th, 2008 at 12:54 am
Why don’t public high schools mandate financial education classes so that the debt ignorance cycle is stopped before it begins?
August 14th, 2008 at 8:06 am
Can someone please explain the point system used to help determine credit worthiness and loan payments? It just goes right over my head.
August 14th, 2008 at 8:09 am
As a self-employed copy editor, I know I don’t have access to unemployment, but is there anything that can help me in case of short-term disability/sickness?
August 14th, 2008 at 8:13 am
What’s the most effective way to challenge or remove an incorrect finding on your credit report?
gkstratos@yahoo.com
August 14th, 2008 at 8:13 am
Why do mortgage companies want to review your bank statements when you apply for a loan?
August 14th, 2008 at 8:14 am
Since I am self-employed, I have to pay for my own medical insurance, which is over $400 a month. It’s great for regular doctor appointments and to get my prescriptions at reasonable costs, but with a high (for me) deductible of $1500, I can’t afford to use my insurance for larger issues. For example, I have had an injured hip for more than two months, but I can’t afford to pay my deductible so I can’t get the MRI my doctor has ordered. Would it be better to drop my insurance and pay regular prices for the services I actually need (the $400/month premium is more than a fourth of my total earnings before taxes)?
August 14th, 2008 at 8:14 am
Do bounced checks affect your credit score?
August 14th, 2008 at 8:15 am
When a loan is paid off early, typically how long will it take to make your credit score change?
August 14th, 2008 at 8:17 am
What is the penalty for taking money out early from an IRA?
August 14th, 2008 at 8:20 am
HOW DO YOU SAVE FOR YOUR CHILDREN’S COLLEGE EDUCATION, MISC EXPENSES, AND MONEY TO BE PUT ASIDE FOR REMODELING YOUR KITCHEN ON ONE SALARY??? NEED HELP!!
August 14th, 2008 at 8:21 am
We have paid off everything early except my husband’s student loans. With a 20% downpayment, credit score of almost 670, and a steady work history would it be likely anyone will ever loan us money (around $60,000) for a home?
August 14th, 2008 at 8:26 am
Which is better- adding money for a down payment on our house, or paying off our car and student loan?
August 14th, 2008 at 8:34 am
Question
1) How do you save for Four College Educations on one salary? Did I mention I need to retire at some point?
August 14th, 2008 at 8:42 am
Which credit card has the lowest APR?
August 14th, 2008 at 8:42 am
What is the best rewards credit card?
August 14th, 2008 at 8:43 am
At what point (income wise or complexity wise) does it become wise to have an accountant do one’s taxes?
August 14th, 2008 at 8:43 am
In terms of saving for college education, is there a financial advantage if the parents are not married?
August 14th, 2008 at 8:44 am
What are the best student loan options?
August 14th, 2008 at 8:45 am
Where can I get a free credit score?
August 14th, 2008 at 8:45 am
Is it best to order free credit reports from the three agencies simultaneously, or to space them out over the year?
August 14th, 2008 at 8:45 am
What does a credit score mean?
August 14th, 2008 at 8:47 am
If I have a mortgage of the type that has been causing so many foreclosures, what should I do to change it?
August 14th, 2008 at 8:57 am
Where’s the best place to save money for children’s college — 529 or CDs or stocks or mutual funds or my mattress?
August 14th, 2008 at 9:00 am
What mutual funds do you recommend?
August 14th, 2008 at 9:02 am
My husband has student loans. He took them out during college and didnt know that they were not federally insured. Obviously that disqualifies us from 1) consolidating 2) having the Army assist with them (he is active duty) any suggestions? They are high rates and variable at that. Thanks
August 14th, 2008 at 9:06 am
Q#1 - Is it better to invest in an IRA, a Roth IRA, or a 401K plan?
August 14th, 2008 at 9:07 am
Q#2 - If you are self-employed, what are your options in lieu of a 401K?
August 14th, 2008 at 9:10 am
What do you do about giving to others (family) in need, when you are in dire need yourself, but they are worse off than you?? Should we sacrifice ourselves for them or stabilize ourselves first and help them later…
August 14th, 2008 at 9:11 am
What is the best way to establish a credit history quickly? we took out a secured credit card, but we cant seem to get anything else. how long will it take before we can do something else?
August 14th, 2008 at 9:12 am
How much does it hurt your credit when you have it checked to take out loans?
August 14th, 2008 at 9:13 am
All shares are stock but all stock are not shares, why?
August 14th, 2008 at 9:13 am
would it be bad to take out a loan to pay off credit cards that have a higher interest rate?
August 14th, 2008 at 9:15 am
Will our questions be answered??? Do you ever reach a point where it can be bad to have too many credit cards? Even if you are not using them? What is the magic number?
August 14th, 2008 at 9:26 am
How can I raise my credit score?
August 14th, 2008 at 9:26 am
When you are living on loans (e.g. in professional school) is it a good idea to take out a loan to pay off a credit card?
August 14th, 2008 at 9:50 am
Which payment schedule is the fastest way to pay off a mortgage?
August 14th, 2008 at 9:52 am
What is good debt versus bad debt?
August 14th, 2008 at 9:53 am
Is it better to lease or buy a vehicle?
August 14th, 2008 at 9:55 am
Should I go to a financial planner or manage my affairs on my own?
August 14th, 2008 at 9:57 am
How do I find a good reliable financial planner?
August 14th, 2008 at 10:40 am
Where do you obtain your credit score?
August 14th, 2008 at 10:40 am
What is a credit score?
August 14th, 2008 at 11:04 am
What are great ways to save for college when you started late and your kids are almost collage age? Is there some way to get money for college quickly?
August 14th, 2008 at 11:04 am
What is the best way to teach young children about money? My son doesn’t really care and my daughter thinks it grows on trees.
Thanks!
August 14th, 2008 at 11:05 am
What percentage of my husband’s salary should we put towards his 401K plan so that we can live comfortably when we are retirement age (about 25 more years from now).
August 14th, 2008 at 11:06 am
When do I need to hire a financial advisor?
August 14th, 2008 at 11:06 am
What are the most overlooked tax exceptions people forget about, or don’t know about, when filing taxes?
August 14th, 2008 at 11:08 am
I had HORRIBLE credit about 3 years ago, but my husband’s credit was ok (things were in our own names, not joint). Since then I have only been using my husband’s cards (gas card) which has both our names on it. We also have other bills with both names on it (mortgage, electric, phone). We pay on time or even early when possible. How long would it take for my credit score to get better? Will it EVER get better?
August 14th, 2008 at 11:15 am
Question 1: Will my credit score really go down by applying for credit cards?
August 14th, 2008 at 11:17 am
Question 2: Do my college loans affect my credit score if I am paying them on time?
August 14th, 2008 at 11:19 am
Why does your credit score suffer if you have too many inquiries?
August 14th, 2008 at 11:19 am
Question 3: Is there a way to lower my credit card payment each month?
August 14th, 2008 at 11:19 am
Is there some kind of action you can take if someone pulls your credit without your permission?
August 14th, 2008 at 11:20 am
What is the best way to save for retirement?
August 14th, 2008 at 11:21 am
Question 4: Can CDs be purchased in any amount?
August 14th, 2008 at 11:22 am
Question 5: How long does it take to recover from Bankruptcy?
August 14th, 2008 at 11:22 am
Ideally, what percentage of your monthly pay should be put towaards retirement?
August 14th, 2008 at 11:24 am
Which is better, a mortgage lender or broker?
August 14th, 2008 at 11:25 am
Should I pay large medical bills out of my emergency fund, or work something out with the hospital?
August 14th, 2008 at 11:28 am
What is the best way to invest a small amount of money ($3000) with the ability to access it if necessary? Is that even possible?
Thanks!
August 14th, 2008 at 11:29 am
Question #1: How do we create a budget when our monthly income is not steady? I am self-employed, so my income varies from month to month. Makes it hard to create a set budget.
August 14th, 2008 at 11:30 am
Question #2: Will a foreclosure really drop off your credit report after 7 years, or is that just a myth?
August 14th, 2008 at 11:41 am
What’s the percentage of your take-home pay that should go towards your rent or mortgage?
August 14th, 2008 at 11:42 am
Does it make sense to borrow from your 401K for a down payment on a house?
August 14th, 2008 at 11:43 am
If your bank is bought out by another bank, is it usually to your best interest to stay with the new bank or research other ones?
August 14th, 2008 at 11:44 am
What percentage of your take-home pay should be placed into savings each month, ideally?
August 14th, 2008 at 11:53 am
Is it better to use extra money to pay down your credit card debt or to place in your 401K?
August 14th, 2008 at 11:58 am
We have a large amount is savings and will be applying for a mortgage soon. Is it better to pay down our debt of car loans (we could pay them off) or keep the money and use it towards a down payment on the house/assets?
August 14th, 2008 at 11:59 am
Is it better to put away money for college in a high-yield savings account or a 529?
August 14th, 2008 at 12:00 pm
Do open, but unused retailer credit cards harm your credit score?
August 14th, 2008 at 12:02 pm
How much should I attempt to put away each month/year for each child for college (state school or reasonable private school, not ivy league).
August 14th, 2008 at 12:04 pm
What % of your income should you have readily available as a rainy day fund?
August 14th, 2008 at 12:04 pm
Where should you keep your rainy day fund (i.e. savings account, mutual fund, etc.)?
August 14th, 2008 at 12:07 pm
What is the number 1 advice you would give to people who travel out of country a lot regarding credit card usage? I’ve heard so many horror stories of fraud and theft!
August 14th, 2008 at 12:11 pm
Is a 529 the best way to save for future college expenses?
August 14th, 2008 at 12:13 pm
Since we have cell phones, and a good family plan rate, is giving up the land line a good way to save money?
August 14th, 2008 at 12:17 pm
Does it reflect badly on your credit score if you frequently (once a month) obtain your credit report? I think that it shows as an inquiry and that creditors consider the number of inquiries when deciding whether or not you’re credit worthy.
August 14th, 2008 at 12:18 pm
My husband lives by Dave Ramsey’s rules. Do you think living this way will pay off for our future?
I’ll admit, sometimes it really sucks…
seeryusfam@msn.com
August 14th, 2008 at 12:18 pm
How long does a bankruptcy stay visible on your credit report. Does it ever go away, or do you have to manually ask for it to be removed?
August 14th, 2008 at 12:19 pm
Financial experts talk about “dollar cost averaging”. What do they mean?
August 14th, 2008 at 12:23 pm
What is the best way to save money? Slowly in a savings account? Save larger amounts and place into CD or other account?
August 14th, 2008 at 12:28 pm
What types of loans have the lowest interest rates?
(please pick me to give the gift card to, I’m poor and I really need it. I bet you, please.)
August 14th, 2008 at 12:54 pm
If a parent has assumed full responsibility for their child’s college education costs, who reports scholarships on their tax returns-the student or the parent?
August 14th, 2008 at 1:08 pm
What happens to your credit if your house goes into forclosure? How long does it stay with you?
August 14th, 2008 at 1:10 pm
I don’t understand how bonds work at all. Is there a simple explanation you can give me?
August 14th, 2008 at 1:33 pm
I’m already subscribed via email!
Q: Is it best to pay off your credit card balance every month or keeping a small balance better effect your credit score?
August 14th, 2008 at 2:07 pm
What portion of your income/savings should go towards a vacation?
Or to phrase it another way - How much is too much to spend on a vacation?
August 14th, 2008 at 2:14 pm
how do i go about paying off any debt posted on my credit report
August 14th, 2008 at 4:28 pm
everybody talks about grant money from the government, is there really such a thing for everyday individuals?
August 14th, 2008 at 4:31 pm
If my husband and I have credit cards with additional users - does it all show up as one amount on each of our credit reports?
August 14th, 2008 at 4:36 pm
Which should I pay off first:
student loans or credit card debt?
August 14th, 2008 at 5:01 pm
does your credit score/report go down or look bad for every time you apply for a credit card?
August 14th, 2008 at 5:35 pm
Mortgage vs. RRSP’s. Which one requires aggressive deposits?
August 14th, 2008 at 6:03 pm
When a bank offers “free” overdraft protection, what is the gimmick?
August 14th, 2008 at 8:12 pm
How does your credit score vary with the total unsecured credit that you have?
August 14th, 2008 at 10:26 pm
What percentage of my IRA will I have to withdraw at age 70.5?
August 14th, 2008 at 10:55 pm
Does putting my student loan on hardship deferment affect my credit score?
August 15th, 2008 at 5:56 am
if you pay only the “minimum” due on a credit card, does that effect your credit rating?
August 15th, 2008 at 5:59 am
1. How much money should I be saving each pay day?
August 15th, 2008 at 6:01 am
2. How much of my monthly salary should I pay for rent?
August 15th, 2008 at 6:02 am
How can I pay off my credit card?
August 15th, 2008 at 6:03 am
2. Is it too late to begin saving for retirement in your 50’s?
August 15th, 2008 at 6:05 am
4. If not a homeowner, is a car good collateral?
August 15th, 2008 at 6:07 am
5. If receiving a small inheritance, which will be used to start all over miles away, what percentage should I save?
August 15th, 2008 at 7:33 am
Are RESP’s worth it, and is there any risks?
August 15th, 2008 at 8:24 am
What is the best way for a self-employed person (small home business, no employees) to get short-term disability/long-term disability coverage?
Thanks - great giveaway!
August 15th, 2008 at 9:06 am
i have $5500 in CC debt that will kick in interest next month (its been at 0%)…the only money we have to pay it off is a 401K…is that wiser than getting eat up with interest. We won’t have any money to pay it off for a long time either.
August 15th, 2008 at 10:32 am
If someone is foreclosed on their home, how does that impact their credit? Will they ever be able to qualify for another mortgage?
August 15th, 2008 at 10:39 am
what is the best way to invest for my retirement?
August 15th, 2008 at 11:01 am
Is it a good idea to invest in a 529 education fund for your child even if it would only work for schools in your state and you have no idea if she would want to go to a school in state?
August 15th, 2008 at 11:07 am
What is a good resource to find a job when after 30 years of service a popular manufacturer moves out of the country and you have no formal educational skills?
August 15th, 2008 at 11:51 am
are moving expense deductable?an under what circumstances,we just moved this summer thanks
August 15th, 2008 at 12:05 pm
Can credit card companies sue for non-payment?
August 15th, 2008 at 6:32 pm
Where is the best place to get the best information on being a successful investor and retiring early while managing a stable full time career which might have nothing to do with your investing passion?
August 15th, 2008 at 7:54 pm
where do you get the best info. on investing?
August 16th, 2008 at 5:11 am
what is the best way for me to save for retirement?
August 16th, 2008 at 6:54 am
Is it better to close credit card accounts once they have been paid off?
August 16th, 2008 at 6:55 am
How does buying a house affect your credit score in the short term?
August 16th, 2008 at 7:00 am
I am age 27. What percentage of my income should I be putting in my 401K?
August 16th, 2008 at 7:04 am
How does it affect your credit to pay a loan on time every month, but at an amount less than the minimum payment?
August 16th, 2008 at 7:06 am
Is it a good idea to save money in a regular savings account, or should I be looking for a higher-interest way to save?
August 16th, 2008 at 7:21 am
What steps should our college-age daughter take to start establishing credit in her own name for the future? There’s a Catch-22 here. Since she is in college full-time, she only has a small part-time job. She probably would not be given credit on the basis of a small salary. On the other hand, if parents co-sign for the credit card (it’s usually not good to co-sign, I know!) , is she still establishing credit in “her” name? Please advise on this issue. I am sure many parents of college students are wondering this also! Thanks also for the give-away opportunity!
August 16th, 2008 at 11:26 am
Is a credit score really necessary? I ask because I like to pay with cash and it seems the only way to have a good credit score is to have debt. To me, a credit score is just a measure of how far you can go into debt. Isn’t that a bad thing?
August 16th, 2008 at 11:27 am
How much does something have to be worth to claim on taxes? For example, if I won this I-Pod and $100 card, would I need to claim it?
August 16th, 2008 at 11:28 am
Right now I am young and don’t have extra to save. What is the oldest I should be to start putting monet away? Shoudl I set a goal like I will start an IRA by 30, 35, etc?
August 16th, 2008 at 11:29 am
I got my credit report, but it doesn’t reflect an actual score. Is it possible to know that?
August 16th, 2008 at 11:30 am
How do you get the best interest rate from a credit card company? Do you call, write, or will they even do anything?
August 16th, 2008 at 11:48 am
What is 128 bit encryption, and how does it encrypt credit card information?
August 16th, 2008 at 12:42 pm
Is it better to owe money on a credit card at 7-10% interest or an equity line with 6%-8% interest (depends on which repayment option I choose)? I always thought equity line b/c the interest is tax deductible buy my husband thinks credit card.
August 16th, 2008 at 3:25 pm
If I an responsible enough to save my money and my company DOESN’T match anything to my 401K, should I still put money via their plan? Or go my own way?
August 16th, 2008 at 3:26 pm
What is the best way to keep track of where I have my money invested? any free software or just an excel sheet.
August 16th, 2008 at 3:28 pm
I don’t have much time for this money stuff, where should I spend most my time….watching stocks or clipping coupons?
August 16th, 2008 at 3:28 pm
So with interest rates so low should I really be borrowing more AND spending more?
August 16th, 2008 at 9:54 pm
We have not been saving for my daughter’s college education (have $1000 tucked away) but we have been focusing more on retirement. What is the best way to maximize savings for her, or should we?
August 17th, 2008 at 7:09 am
What is the best way to save for college for my son?
August 17th, 2008 at 7:10 am
Is this a good time to sell my apartment? To buy more property?
August 17th, 2008 at 8:50 am
Do you think buying a home in a less than great neighborhood will still make a huge profit in 5-7 years?
August 17th, 2008 at 8:50 am
what is the best way to make money for my infant children? I have coogan accounts set up, but I wonder if I should get bonds or cds as well?
August 17th, 2008 at 10:41 am
What can credit card companies really do if you don’t pay your bill?
August 17th, 2008 at 10:43 am
What is the best investment option for retirement? Is my companys 401k enough?
August 17th, 2008 at 10:44 am
What is the best way to save for my children’s future?
By the way..fantastic giveaway! Hope I win (fingers crossed)
August 17th, 2008 at 12:41 pm
If I recently lost 20% of the value of my stocks in my retirement account in the recent stock downturn, how long will it take my account to recover, assuming an annual ROI of about 4%?
Thanks for having the giveaway!
August 17th, 2008 at 7:24 pm
What is cosidered a good credit rating?
August 18th, 2008 at 7:58 am
How do I make it through my senior yrs. on my social security and small pension.
August 18th, 2008 at 8:37 am
At what point does a missed credit card payment get reported and affects your credit rating?
August 18th, 2008 at 8:40 am
When is it a good age to go from having a child save money in a piggy bank to actually opening up a bank account for them?
August 18th, 2008 at 1:58 pm
I currently have an high deductable insurance plan tied into an Health Savings Account. I wanted to know if I’m tied to that bank or can I roll it over to another bank, if I want to?
August 18th, 2008 at 2:03 pm
If a person loses his job, or becomes disabled (even temporarily).
August 18th, 2008 at 6:39 pm
Where on a credit report does it actually show you what your credit score is?
August 18th, 2008 at 8:51 pm
What is the compound interest on a savings bond annually?
August 18th, 2008 at 8:51 pm
How much do I need have in order to retire at 50 in 2025?
August 18th, 2008 at 8:52 pm
Since stocks don’t seem to be that reliable these days, is it better to pay off my mortgage (@5.125%) instead?
August 18th, 2008 at 8:53 pm
How much should I put in my children’s 529? They are 5 months and 26 months old.
August 18th, 2008 at 8:54 pm
Is off shore banking a good idea in today economy ?
August 18th, 2008 at 8:57 pm
I pay about $24k a year for daycare for my 2 kids. Should I still contribute $5k to my company’s dependent care account, or is it better to not do that so I can get the tax credit instead?
August 18th, 2008 at 8:58 pm
How do I find the best rate on CD’s? Is there a website that you would recommend?
August 19th, 2008 at 2:12 am
Which credit card companies have the lowest late fees and the most reliable online pay systems?
August 19th, 2008 at 6:34 am
If you stop working at an early age (say 45), will social security benefits still be there for you when you officially retire? Assuming you had paid in enough while you were working.
August 19th, 2008 at 8:09 am
Subscribed to your blog
1. As a college student with no credit should I have my parents cosign the card or get my own?
2. Should I start an IRA while I’m in college or wait until I have a stable job?
August 19th, 2008 at 11:07 am
#1 Is there life after a foreclosure?
August 19th, 2008 at 1:14 pm
How long will a foreclosure stay on your credit report?
August 19th, 2008 at 4:25 pm
What is the best credit card on the market as far as rewards go?
August 19th, 2008 at 4:26 pm
What happens to a VA home loan when it goes into foreclosure? Will that person be able to buy another home with VA?
August 19th, 2008 at 4:27 pm
At the age of 54 what is ideal savings and investments should you have?
August 19th, 2008 at 5:17 pm
Is a reverse mortgage a safe way to enjoy income from my house.
August 20th, 2008 at 10:13 am
Is it better to save in a savings accout or 401K?
August 20th, 2008 at 10:37 am
What are the best steps to take to repair credit?
August 20th, 2008 at 12:28 pm
How do I get a copy of my credit report?
August 20th, 2008 at 12:30 pm
What should I look for in a bank account for a teenager?
August 20th, 2008 at 12:31 pm
When using my debit card, should I use it as a “Debit” or “Credit” when given a choice?
August 20th, 2008 at 3:06 pm
What are the best investments for young families?
August 20th, 2008 at 3:06 pm
What is the best way to be saving on a budget for college?
August 20th, 2008 at 3:07 pm
Should we pay off our house mortgage or is that still considered good debt?
August 20th, 2008 at 3:07 pm
What is the best way to be financially secure in your 30’s?
August 20th, 2008 at 3:07 pm
How should a stay at home mom prepare for her retirement?
August 20th, 2008 at 8:16 pm
How many credit cards is good to have,
August 20th, 2008 at 8:17 pm
should I have department store credit cards, or just one Major Credit Card
August 20th, 2008 at 10:15 pm
What is a really good source for retirement information - ie; how much money you actually need to retire.
August 21st, 2008 at 6:39 am
Can you have a lot of credit cards without hurting your credit score as long as you pay off the balance each month?
August 21st, 2008 at 8:36 am
What is the quickest way to clean up my credit score?
August 21st, 2008 at 8:37 am
Do you really have to wait 7 years for a bad mark to come off your credit history?
August 21st, 2008 at 8:38 am
Does it make a difference if a debt is “paid in full” or “settlement, paid in full”?
August 21st, 2008 at 8:40 am
How can I, a student and cancer patient, save money for the furture?
August 21st, 2008 at 11:46 am
The FDIC $100K limit hasn’t gone up in years even as the purchasing value of the dollar has gone down.
Where are some safe alternatives to invest the amount over $100K that is currently in my money market bank account that will still give me liquidity (access to funds when needed) and a return that at least has a chance of keeping up with inflation?
August 21st, 2008 at 7:03 pm
I’ve heard that with the money saved on daycare, food costs, etc. a two-income household with young children doesn’t necessarily come out far ahead, financially speaking. What factors should be considered when calculating this?
August 21st, 2008 at 8:25 pm
Which is better? stocks or bonds
August 22nd, 2008 at 2:12 am
how can a guy like me with little to no credit gain some?
August 22nd, 2008 at 10:15 am
how can a housewife get credit history?
August 22nd, 2008 at 1:00 pm
I have a 401K through my employer we are facing major layoffs should I leave it where it is or transfer it to another account
August 22nd, 2008 at 1:09 pm
Is it better to pay off a student loan or a mortgage first?
August 22nd, 2008 at 1:12 pm
I have three kids under the age of three:cloth or disposable diapers? Which is really cheaper in the end?
Alicia Webster
5webs@comcast.net
August 22nd, 2008 at 6:15 pm
Do you think the economy is right for buying rental properties?
August 22nd, 2008 at 7:10 pm
Is right now a good time to sell energy stocks?
August 22nd, 2008 at 10:17 pm
Where is the best place to invest 10 grand?
August 22nd, 2008 at 11:09 pm
How much should a single adult budget for food each month?
August 23rd, 2008 at 11:25 am
What’s the best way to get the interest rate on your credit card reduced?
August 23rd, 2008 at 11:29 am
I’ve always heard that the best thing for your credit report is never to cancel the credit card you’ve had the for the longest time. Is that still the best advice if that card has the highest interest rate and annual fee, and the bank refuses to reduce it?
August 23rd, 2008 at 11:32 am
Is there any way to get your FICO score for free?
August 23rd, 2008 at 11:38 am
How much should someone on a fixed income keep in an emergency account?
August 23rd, 2008 at 12:35 pm
I am not sure what to invest in since commodities seem overpriced while the stock market does not look good because of continued high energy costs and real estate is not doing well either.
August 23rd, 2008 at 8:14 pm
I’ve heard debt consolidation companys aren’t always good idea - why is this?
August 23rd, 2008 at 8:16 pm
Is the Interest from a Roth Ira really tax free?
August 23rd, 2008 at 8:18 pm
Whats the quickest way to pay off my mortgage without selling?
August 23rd, 2008 at 8:19 pm
With the market down, should I still contribute 15% to my 401K?
August 23rd, 2008 at 8:20 pm
Is their a way to take out a business loan, without risking my home?
August 23rd, 2008 at 8:53 pm
When should I invest in the stock market and how much?
August 23rd, 2008 at 8:53 pm
When should I put money into a Roth IRA and how often?
August 24th, 2008 at 5:22 am
best way to save for kids’ education. my biggest worry of all.
herry123_us@live.com
August 24th, 2008 at 8:23 am
When the FDIC takes over a bank, and you have over $100,000 in deposits, how is the remaining money handled when the bank is sold?
August 24th, 2008 at 11:13 am
Question 1: Can you tell me if and why my credit score is increased when I do not pay the entire balance off at once?
August 24th, 2008 at 11:18 am
Where can one obtain credit to purchase real estate property when already in a lot of debt?
August 24th, 2008 at 11:26 am
1. How does one open up a CD and what should I look for?
August 24th, 2008 at 11:26 am
At what age should I allow my child to get their first credit card?
August 24th, 2008 at 11:27 am
I have never paid anything late in my life, but I have a lot of debt. Can you tell me what is the best strategy to invest?
August 24th, 2008 at 11:27 am
3. Social Security requires a certain number of work credits before you can draw on it. How is that figured–how does that translated to time worked?
August 24th, 2008 at 11:28 am
4. Is it better to have money in a savings account or a money market fund?
August 24th, 2008 at 11:28 am
Can you tell me if it is true and why my credit score is increased when I do not pay off the entire credit card balance off at once?
August 24th, 2008 at 11:30 am
5. How much money is necessary to have saved for retirement? We haven’t started yet and I’m terrified.
August 24th, 2008 at 11:30 am
BESIDES stocks, what is the best return per dollar on my investment of 1 year?
August 24th, 2008 at 11:32 am
If my bank is not doing well and their share price has dropped from the high $30’s to under $10, but I don’t have more than $100,000 in deposits, should I move my money to a different bank that is not having issues?
August 24th, 2008 at 11:32 am
When determining credit scores, does speed of repayment play any role?
August 24th, 2008 at 11:33 am
How bad is it to have a few store credit accounts open? (Like Macy’s, Target, etc.) How many is too many?
August 24th, 2008 at 11:56 am
I have a 403b and it is losing money. I continue to put money in figuring the market will turn around. Should I stop and wait.
August 24th, 2008 at 12:09 pm
I have money in a money market savings account. Is this the best place?
August 24th, 2008 at 12:48 pm
How do I get out of Chexsystems?
August 24th, 2008 at 1:56 pm
How safe are banks toda
August 24th, 2008 at 2:00 pm
Me and my husband had a baby in October and I am in graduate school so our income is currently limited. What can we do NOW to save for her college, and what sort of investments should we be making in her name while she is young? Also, once she reaches high school age, what should we be doing in terms of changing investment strategy, if anything?
August 24th, 2008 at 2:32 pm
How do you go about setting up a Roth IRA?
August 24th, 2008 at 4:20 pm
When I win the lottery, which kind of financial professional should I contact? What can/will they do for me?
August 24th, 2008 at 6:00 pm
Should you file for bankruptcy if you are not working and not able to/ but have invested money of 18,000 that are put in a retirement fund and also in some stocks and i want to improve my credit rating but at age 40 i feel its to late to get my credit straightened up i want to start a business but need to clear my credit up
August 24th, 2008 at 6:31 pm
I am in high school and want a new car, should I take out a loan?
August 24th, 2008 at 9:43 pm
Can a person really live on contest earnings? Can they have a good second job with contest earnings?
August 24th, 2008 at 9:43 pm
What is the best online bank as far as high interest rates?
August 24th, 2008 at 10:41 pm
Do you need a credit card or is any kind of payment okay to build credit?
August 24th, 2008 at 11:57 pm
My grandaughter is 10 months old…what type of account would be best to start now in order to cover her college expenses in the future?
August 25th, 2008 at 12:50 am
What’s the easiest possible way to save money?
August 25th, 2008 at 2:42 am
what’s the best way to learn how to do your taxes if you’ve never done them before?
August 25th, 2008 at 4:34 am
how do you save when you have nothing left at the end of the week?
August 25th, 2008 at 4:39 am
I keep hearing them talk about “derivatives” on the financial news … what the heck is a “derivative”?
August 25th, 2008 at 4:42 am
I’ve always been told that the best way to save in a 401K is to go “pre-tax” … but with the debt this country is building up, I’m not so sure anymore that my taxes will be lower after I retire … and thoughts?
August 25th, 2008 at 4:44 am
How late does a house payment have to be before the credit angencies are notified?
August 25th, 2008 at 4:45 am
Are physical gold and silver a good investment?
August 25th, 2008 at 4:47 am
How do I go about finding a list of bank held forclosure properties in a certain area? And once you have the list, is there a process by which you can make an offer directly to the bank for the property?
August 25th, 2008 at 6:05 am
if you receive 52000 from an estate do you have to claim it on income taxes?
August 25th, 2008 at 6:46 am
I have several credit cards I do no use. Should I cancel them? I heard it would affect your credit score if you cancel them.
August 25th, 2008 at 6:59 am
Is now a good time to refinance a mortgage?
August 25th, 2008 at 6:59 am
The interest rates on refinancing are lower than student loans. What are the drawbacks on using the house as opposed to other methods?
August 25th, 2008 at 8:10 am
Should I pay off a part of my mortgage or keep money in savings?
August 25th, 2008 at 9:18 am
HOW MANY MONTHS OF SAVINGS (TO COVER MONTHLY BILLS) IS CONSIDERED A GOOD BACKUP IF YOU BECOME INJURED?
August 25th, 2008 at 11:19 am
Where would be the best place to put some savings for my children? (Money given as gifts and me just throwing stuff into their piggy bank.) I wasn’t planning on it for college but wanted it accessible to them for perhaps a car or living expenses when they move out. (They are currently 6 months and 24 months). What is the minimum amount I should have before I do your suggestion? Right now it is just a few hundred.
August 25th, 2008 at 11:29 am
When you win a contest, what is the amount of the prize that you pay income tax on.
August 25th, 2008 at 11:35 am
In your professional opinion, why do all parents continue to worry so much about their kid’s college education expenses? I know the costs are increasing but there are loans and you don’t have to go the most expensive schools to get a good education. I have two young children and while I plan to help with with expenses, books, etc. while they are in college, I don’t feel like it is my responsibility to put them entirely through college. I put myself through college and still have debt from it and maybe that shapes my opinion. (I graduated in 2001). Does this make me a bad parent? I don’t understand why I should put it equal to other financial responsibilites, like retirement. Yet I’m generally afraid to ever voice this opinion since so many other parents feel the opposite. Any thoughts?
August 25th, 2008 at 11:55 am
when does changing your address often affect your credit? Is there a certian period of time you should wait before changing your address again?
August 25th, 2008 at 12:05 pm
How is a credit score determined?
August 25th, 2008 at 12:06 pm
Is it better to claim more or less exemptions when filing taxes?
August 25th, 2008 at 12:06 pm
What is the best way to save for retirement?
August 25th, 2008 at 12:07 pm
Is it better to put money in my kids’s names or keep it in my own in terms of getting college aid?
August 25th, 2008 at 12:08 pm
what is the quickest way to pay off credit cards
August 25th, 2008 at 12:17 pm
If we decide to sell our home, do we have to pay taxes on the earnings if this is the first time selling our home?
August 25th, 2008 at 2:29 pm
Q1: Is it better to prepay for a college education or wait 18 years and pay then? Or is that just a way for colleges to make money?
August 25th, 2008 at 2:31 pm
Q2: When saving for a vacation, is it better to plan it yourself or go through a travel agent or group tour company? Which is more cost effective?
August 25th, 2008 at 2:34 pm
Q3: If someone wanted to set up an endowed scholarship sponsored by class members, what is the best way to go about that? What is the minimum amount needed?
August 25th, 2008 at 2:39 pm
Q4: In times like this, is it better to buy food in bulk and store it at home or go to the store more often?
August 25th, 2008 at 2:43 pm
Q5: I pay credit card payments on time, month after month, but still my finance charges increase because the APR goes up. Am I having to take up the slack for those who aren’t as responsible?
August 25th, 2008 at 4:21 pm
We are in the process of buying a house and there has been an issue with obtaining the loan because of something called debt to asset ratio…can you give me more info about this?
August 25th, 2008 at 4:24 pm
Should life insurance be part of your investment strategy or are there better investments. Should you only have life insurance for your burial expenses.
August 25th, 2008 at 4:28 pm
Do you think it is better to put money into a 529 plan or a educational IRA?
August 25th, 2008 at 4:28 pm
How much life insurance is necessary if you are the primary breadwinner?
August 25th, 2008 at 4:29 pm
what is the most common financial mistake that “middle class” folks make?
August 25th, 2008 at 4:30 pm
Another house buying question…what do you think about “buying down” the interest rate on a home loan? Is it worth it?
August 25th, 2008 at 4:30 pm
If I frequently have to pay the alternative minimum tax, what would be the best strategies for me to pursue to lower my tax burden? What kinds of things are still deductible under the AMT?
August 25th, 2008 at 4:36 pm
How does one go about refinancing a home loan? How long does it take? How long after buying a house can one refinance?
August 25th, 2008 at 4:37 pm
Yet another home buying question…Is it better to finance the closing costs or pay them…
August 25th, 2008 at 4:38 pm
Ok…last one! : ) How is equity determined? If we buy a house for say 500,000…when and how will we get equity? When can we use it? Does it depend on the market? Where we live? Do you have a place on your site for all of the answers to my home buying questions? : )