current inflation rate
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Mortgage Interest Rate Question
Asked by K.G. from Kansas City
on September 20, 2009
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We are considering refinancing our home. We currently have a 30-year fixed, and are looking to keep the same terms, a 30-year fixed. We have a legitimate offer from ...
Answers
- We refinanced at the beginning of the year and got a 30 year fixed for 5.125%.
- It will be a little lower, but you will still probably have a larger payment because of the reduced years. I bit-the-bullet shortly after buying our house and reduced...
- Most lending institutions now have their mortgage rates online, but they can change daily. You can often eliminate the points associated with refinancing by taking an ...
What's the Going Rate for the Tooth Fairy?
Asked by K.R. from Philadelphia
on July 15, 2009
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My daughter just lost her first tooth! Time for a tooth fairy visit. I'm just worried, I don't know the current rates for teeth - times have changed since I was tha...
Answers
- there are all kinds of cute ideas. we do the if you pull it yourself you get a dollar if a family member pulls it you get 50 cents if you go to the dentist you get ...
- To the person who does not want to use gold coins because they do not say "In God We Trust". It does say that. It is on the rim of the coin. Check the coin between ...
- I read through these responses with interest. My son is 23 and I think I gave him 50 cents. But I have a lot of stepgrandkids who may be visiting when the tooth fairy ...
Refinancing Home
Asked by J.E. from Boise
on February 27, 2009
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Our current home morgage intrest rate is 5.85. We were told by a lender that we could lower it to 4.88 by refinancing. Is this smart given the state of the economy? ...
Answers
- OK this may sound off, but here is my suggestion and I know of many friends (with both perfect and not so perfect credit) that have done what I'm going to suggest to y...
- I wouldn't trust everyone, some of these lenders are so desperate for work, they will say anything. We have a wonderful who is so honest. We have a fixed rate that's...
- I think you need to run the numbers and read the fine print. Does the refinancing come with no cost or will you have to pay points and/or fees? Is there going to be ...
Can't Afford Life Insurance - What to Do?
Asked by M.T. from Minneapolis
on March 3, 2011
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Hi, we've been looking into life insurance. We decided term, about 250,000-350,000 for 30 years. We're in 40-45 year range. We decided on 30 years because we still ...
Answers
- You could look at decreasing term insurance where the benefit goes down as you age - it's intended to cover mortgages where the balance is also going down. I think yo...
- M., have you looked at Met Life? They are highly rated, treat their customers very well (my dad had Met and they were wonderful to us when he died) and their rates ar...
- Can you afford a lower amount of life insurance? Lets say $100,000? If so, then I would go that route. I do understand your worries; however, it would be better to ...
Upside down on House
Asked by J.K. from Phoenix
on April 7, 2010
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Any ideas or anything will be so helpful! We are in an interest only ARM (6.25%) which becomes adjustable in Oct. 2011. We owe $274K and our house is worth $131K. ...
Answers
- Have you thought about renting your current home out and moving to a smaller place (rent as well)? You could possibly sell or move back in when things get better.
- Houses seem to be dropping all over but that doesn't mean they won't go back up, so if you can hang in there. Other poster was right, where will you live? I am assumin...
- Have you looked into Dave Ramsey's Money Makeover? We attended the Financial Peace University (FPU). It has provided a lot of financial education for us. If inter...
Age Appropriate "Chores" for My 11 Year Old Son
Asked by S.G. from Kansas City
on April 1, 2008
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My 11 year old son wants allowance. I would like to make a "chore" list for him. What are appropriate chores for him and what is the going rate per week for allowanc...
Answers
- My son is 12, and has ADD. He empties the trash, (throughout the entire house) daily, and weekly pulls the carts to the curb for pickup by the trash truck. He cleans...
- Hmmm, having an 11 yr old! Boy would I put him to work....:) I would definitely say: collecting & taking out trash/recycling, helping get younger sibblings to bed/ba...
- When I was his age I helped out a lot around the house. I took out the trash, sorted the recycling, helped with sorting laundry - washing & hanging up (I would use ca...
Info/Advice On Equity Index Universal Life Insurance
Asked by T.D. from Sacramento
on August 31, 2009
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My husband and I are trying to figure out if this is a good idea for us. My husband is 34 and I'm 30. We have a 3 month old son. We didn't think about buying life i...
Answers
- Hi, I used to be a life insurance agent. What I learned from my experience was that any life insurance, term or whole/universal life, is a financial product design...
- I asked my husband about this (he is a financial adviser) and he thinks its a pretty good deal. He said "you will have life insurance on your son which a mutual fund w...
- RIP OFF! Universal life insurance is on of the WORST financial products out there. Insurance agents push it because they get huge commissions on it. Ask about the fees...
Ok, I Know I Won't Get Much Sympathy, but Here Goes...
Asked by R.M. from Dallas
on October 15, 2009
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Ok, I have an issue. Most will say it's a good issue to have and I should thank my lucky stars...and I AM lucky. However I need help. Here's the deal...
I have a g...
Answers
- Dave Ramsey's Financial Peace University! Those small expenses add up! For example: Eating out 1x/week $15-20/meal/wk x4wks/mo =$60-80 x12 months =$720-960/year...
- I completely understand where you are coming from. I used to have a corporate job making 56,000 and my husband made about the same but we were still paycheck to payche...
- Totally understand. My husband and I both have good jobs; however, still concerned about finances and were tight every month with paying bills. Last year, we put ourse...
Nanny Question on Salary
Asked by K.B. from Los Angeles
on September 13, 2011
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Hi
I have a nanny for the last 5 years since my daughter was born. I have a girl, 5, who just started kinder all day. I have a son 3.5 who is in pres school mon and...
Answers
- Oooh, that's a tough one, isn't it? Meeting someone else's expectations, after being with you for so long? What about a compromise? What about a probationary perio...
- Decreasing pay has a negative effect on people regardless of the reasons. Sometimes they become disgruntled and start stealing or slacking on duties even more...thing...
- I would not decrease her pay. That would most likely have the opposite effect you are wanting. Sit down and have a "job review" with her. Be open, honest, professional...
Prepaid Funeral Plan for Someone Who Is Terminally Ill
Asked by M.C. from Detroit
on March 31, 2011
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Does anyone know if it is cheaper to purchase a prepaid funeral plan or just pay for the funeral when that person passes away?
Answers
- Most things are better done ahead of time. You can make decisions logically, and not under the huge emotional burden of grief. My grandparents have done this and whe...
- I do the price list for a local cemetery & funeral home and I can guarantee you EVERYTHING goes up in price every year. So....cheaper? maybe. But the best part abou...
- My mother passed away last summer after battling cancer for many months. She still had a life insurance policy through her former employer and they paid for the funer...
