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Striking a Balance Between Saving and Spending
Oct 21, 2009 ... retirement versus education you should first fund retirement as you ... cheaper than investing in your employer policy Crazy but true ...
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- While I think that it's great that you are planning ahead and trying to be practical, I have to say that you don't seem to have any real issues here financially compar...
- Hi J.- It sounds to me like you and your husband are doing very well financially and have a great safety net in the event that something like a job loss should happ...
- It sounds like you are doing great. I know from talking to financial planners that if you have to choose between retirement versus education, you should first fund re...
Seeking Financial Planner in the City
We have used him for both the kids' college fund, our life insurance, our money market account. .... financial investing · financial planning ...
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- Hi A. , Its never to early to worry about college . Have you and your husband thought about a college bound account , I have 2 tot boys and we have 2 accounts thro...
- Our Financial Planner, Todd, comes to our house. He is with AXA Financial which is located in Northbrook. We have been with him for 7 years now. We have used him fo...
- We have loved working with Bob Sieja with New England Financial. He makes housecalls and has young kids himself so understands young parents' concerns! His number is...
My Baby Girl Is Turning ONE!!! Please Help!
What if you just opened up an ERA (Education mutual funds account that grows TAX FREE! ... Investing NOW will mean huge dividends later in her life. ...
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- When my daughter's turned one my husband went to Things Remembered and bought each of them a silver jewelry box that he had engraved. I also bought them each collec...
- What if you just opened up an ERA (Education mutual funds account that grows TAX FREE!!!) or other mutual fund account on her behalf. Explain to everyone that you ...
- check out www.lillianvernon.com and click on the kids section they have lots of personalized items that are keeksakes K.
When Is the Right Time to Start a Family?
Bank your money and make sure you have an emergency fund of at least $1000 before you begin investing the rest. From the signs of the economy, ...
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- Wait a few years. My husband and I were married five years before we had children, and it was wonderful time spent together going out, throwing parties for our friends...
- Hi R. B, I have been married for 7yrs now and have two children 5&2. My advice to you is give it time. Enjoy each others company. If you can travel often, explore n...
- Well, first i have to be honest you are never totally ready to have a child, my husband and I were married for 2 yrs before a had Tristan, I like you lost weight befor...
Should I Refinance?
You could put the extra money away for retirement or a really fabulous world tour or a second investment property. I'm assuming you have a college fund set ...
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- you should get the advice of a finance expert that is not positioned to gain a commission if you choose this option. it is hard to get an unbiased opinion from someo...
- Hi T., If you can afford the payments as you have them now, then don't refinance. Not only will you owe more than you do now on the principle but over time you will...
- I've been a Realtor for 40 years, and have seen all the scenarios you can name. One of the crucial things you need to think about before refinancing is "how long do y...
Teaching Children About Money.
... a good chunk of money for vacation next year and a start of a house fund. .... It talks about saving, gifting, investing and spending and teaches them ...
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- Hi. As far as allowance goes, I always give my kids, even my 3 year old, allowance based on what they have done to earn it. My main goals are to teach them the value...
- There is a simple rule that if you can teach it to your kids they will appreciate for a lifetime! 1/3, 1/3, 1/3. What does that mean? It means when you get money of an...
- Just because you buy something for the household doesn't mean your children need a toy or gift. If they want something,tell them to put it on their b-day or holiday wi...
Can You Help with Money Saving Tips?
... and conservatively growing wealth over time to fund retirement. .... They are supposed to be the safest and most lucrative investment you could make ...
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- Hi A., Things we have done: -Switched to CD One Price Cleaners instead of using regular drycleaners for almost all of our clothes, only $2.29/item, even a dress and ...
- Sounds like there's lots of good advice. Skimming through, however, I didn't see anyone put down http://www.freecycle.org. This, and other swap-type groups help peop...
- Did you do the typical things they suggest on money saving websites? -Change to fluorescent coil light bulbs -Lower your thermostat a degree or two in the winter- ...
Seeking Advise on Whether or Not to Store Cord Blood
There are many things that you should consider before investing the .... What we did is we had people contibute to the cord banking fund to pay it for it. ...
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- Hi! We stored my sons cord blood and probably will do it again with our daughter who is due at the end of August. I look at it this way: for $1700 (apx.) you can st...
- we have donated our cord blood. We just couldn't justify the cost of storing it ourselves forever, for a "maybe" we'll use it.
- Our family has no history of any diseases that would warrant cord blood storage. For us, it was too much money for something like that. We opted instead for donation...
Need to Budget!
I even have a solid grasp on investing in real estate now and my husband ..... I know what I need to make to pay my share and put into our retirement fund. ...
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- Both Crown and Ramsey are excellent sources. I would start by educating yourself and take over houshold finance. That being said, I am assuming by your choice of r...
- Is there any reason that you NEED him to participate in writing out a budget? Of course, ideally, you'd work on it together, but I don't see why you couldn't at least...
- I would say that you should just go ahead and make the budget. Show him that it is feasible for you to be a SAHM and what it will require. Sounds like if this is som...
Private v Public
It is like investing on the front end and reaping the ultimate benefits. .... for 12 years is a lot of money that should be going to a college fund! ...
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- I would stick with the public school. Ivy League or not your child sounds like they are getting a great education. Your son is only in Kindergarten. At this age the...
- Have you heard of the book "Freakonomics"? There is a chapter that talks about public vs private and vouchers etc. Basically they did the research and came to the co...
- Hi T., I would say that it is a problem of the teacher and not the public school. In the future, I'd call a parent-teacher conference to let the new teacher know o...