how to plan your retirement
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Need Advice on Husband
You need to be saving for your kids education, your retirement, emergency funds, ... However, I think it is reasonable to have a set plan and objectives. ...
Answers
- Hi L., Thank goodness you have a good job. That is a tough situation and you don't want to squash his dream. Maybe you should negotiate something specific with him us...
- This is a toughie. Can you sit down, in a nonthreatening way and run through what your exspenses and finances have been over the past 10 years and what he expects to h...
- Hi L., I read this yesterday and thought about it today, I usually am totally against families seperating or divorce but this sounds bad. You know what Dr.Phil says....
Keeping Grandchildren
Enjoy your retirement and take the grandchildren when you get ready, ..... Plan your week and then let your children know what days you are booked for your ...
Answers
- I'm a SAHM and my parents recently retired, I lived with them of and on while my husband is away, but I ALWAYS made sure they had no plans if I wanted them to babysit ...
- Hi E., You have every right to expect time to yourself. I am a grandmother also, with two daughters that have a total of five children, all under the ages of five. ...
- I don't think you're being selfish at all! As a parent, it's certainly nice to have a "backup" babysitter, but you shouldn't be expected to be the primary care unless...
Need Help with Creating a Household Budget for the New Year
Simply you plan your budget and do not walk around with your ATM cards or checks ... paying off your home early, retirement accounts among other things. ...
Answers
- There is an online home budgeting system that helps you manage your spending called Mvelopes. My family will be using this in the coming year too. Their website ...
- I am recommending it because it works and I am practicing it now. There is a gentleman called Dave Ramsey. The program is called Financial Peace University. He teaches...
- Dave Ramseys Financial University!
Seeking Financial Planner in the City
He set up my daughter's 529 plan as well as all of my retirement planning. He lives and works downtown but may be able to come meet with you at your place ...
Answers
- 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...
What Do You Do About Your Mortgage??
(early retirement, financial security, quality time with your kids and grandkids . ..... 62/67ish and plan for your house to be completely paid for by then. ...
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- What my friend used to do was get a breakdown from the bank of what amount of the loan went twards intrest/principial every month. Then she would pay the regular payme...
- Good Morning Reba S I work for a title company and most of the closings that have loans are 30 year mortgages. I always suggest in closing that you make extra princ...
- Hi Reba, I have a 30 year note which made my monthly payments affordable. Most people I know have 30 year mortgages. In addition to the monthly note, I add a separa...
Extended Family Vacation Suggestions
... planning a giant family vacation in order to celebrate our father's retirement. ... It's an indoor waterpark, so no matter when you are planning your ... long vacation just plan a meal a day where everyone gets together and be okay ...
Answers
- All of these suggestions sound great! But, don't count out cruises. Most cruise lines have lots of activities & possibilities for the kids. My wife & I have been on ...
- Hi A., My family rented a large house in the Catskill Mountains in New York two years ago, and we had the most amazing time! The house was quite large... six bedro...
- I'm not really sure where you want to go but just make sure there are activites all ages can participate in and enjoy...we just got our whole family together at my par...
Life Insurance for Kids
Apr 11, 2009 ... we have some savings/retirement and life insurance for ourselves already. ... If you die and you have life insurance, your kids will have something ... It's a nice savings plan and very affordable. I would ask your ...
Answers
- D., Our life insurance agent and our financial advisor each recommended NOT doing this. Their logic, put away the money some other way for a rainy day. This way t...
- Life Insurance is to there to cover debt, etc...in case of death. Your children don't need life insurance aside from a simple policy that would cover burial expenses....
- I pay a small amount extra to add term insurance for my kids to my (free) work policy. I think they also might have a few thousand dollars of coverage in our main (not...
Stock
He can help assess what your goals are and how to reach them. ... 529 college savings · college savings plans · retirement investing · 529 college plan ...
Answers
- Hi L.... I have a good friend who works for Nationwide. She's very reputable and knows a lot about investing. Let me know if you'd like me to connect you with her. Go...
- I would set up an appt. with a finacial advisor. He can help assess what your goals are and how to reach them. Some companies are Raymond James and Ass., Edwards Jon...
- I just talked to someone at Edward Jones about starting a college fund for my kids. He suggested a roth ira for any kind of money saving. I really can't remember all...
Help! I Am a Dunce with Money!
Plan your meals and freeze left overs for quick meals. ... We even have college and retirement accounts that we contribute to monthly because we stick to ...
Answers
- I combine my shopping with Cost-CO (their milk is hormone free as well as their ice cream, yet not 100% organic... and it is CHEAPER!) along with Berkots or Brookhaven...
- Hey T. M. Well I'm no whiz at math, but I am a single mother and I do pretty well with the budget for myself and 2 kids. I will say that it is important to keep trac...
- Ok...the word "dunce" has me laughing...I don't know why but I think it's been forever since I heard it and it cracks me up. There are a lot of ways to build a budg...
Pay Checks for a Deceased Person
It won't hurt to start planning, especially if your Mom is advanced in years. ... find out how long she will be getting these checks so she can plan for the future. ... However, he may be entitled to money (pension, retirement, 401k, ...
Answers
- Before my mom passed away, she and I made sure to get my name on all her accounts. Once she passed away, I was able to continue to use her bank accounts to finalize ev...
- Hi S., First of all I'm sorry for your loss. Since the wages are paid in the same year that your father passed away the wages are subject to Social Security and Me...
- I am very sorry for your loss. It is very hard to not only lose a parent, but also be responsible to help the one left. If your dad had sick time or vacation left wh...
