value investment
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Cash Value Savings with Life Insurance
Asked by K.S. from Chicago
on July 24, 2010
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Im just wondering what every ones thoughts are for having Cash Value savings with your life insurance policies. Do you like/dislike this option? Why?
Answers
- K.: At one time, cash value was an important thing, but it doesn't really mean much. Depending on what your goals are, I would recommend one of the following: ...
- The key is to think through what your objectives are. If you want to have money saved in case you die to protect your children, then term life is the most cost effect...
- Going thru Dave Ramsey's Financial Peace University right now and we just talked about this two weeks ago. Cash Value is the WORST place to put money. The premiums a...
Husband Made Bad Investment Decision
Asked by S.J. from New York
on October 13, 2011
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Recently my husband made some bad investing decisions in my 401K and it's pretty much gone. I'm beyond feeling angry -- especially since he knew about it and never di...
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- I also wonder how he made the decisions. If you allowed him to, then it's partly your responsibility. And all of it was lost between last statement and this statemen...
- There are a lot of unknowns... How long have you been married? Did you just meet the guy? How did he obtain access to 'your' money? Did you build this 401k up befo...
- I would be ticked off beyond belief! Thirty years worth of saving your hard earned money...not mentioning financial security. I'm just shaking my head right now wi...
Shark Steam Mop
Asked by K.L. from Honolulu
on September 5, 2008
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Has anyone tried the Shark Steam Mop? I have both hardwood and stone floors and was wonfering about other people's experience before I make the investment.
Answers
- My husband bought one and thinks it is the best thing ever. I believe it broke after a short amount of time and he had to get a replacement part for it but he still LO...
- It's better than a traditional mop, but you do need to go slow and maybe do the floors twice to get it really clean.
- I have one and love it, in fact I really don't use it much because my husband likes it so much he using it to clean the floors at home. I like it because my little bo...
V-tech or Leapfrog
Asked by A.M. from Greensboro
on September 30, 2008
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My son ayden will be turning 5 in november and we are wanting to get him a video system....my husband has a play station that the boys LOVE to play..but ayden isnt get...
Answers
- I put full faith in all Leapfrog products. I know I can trust them to be fully encouraging of education. We got my son the Leapfrog ClickStart last year for Christmas ...
- A.: Hello, I do not know a thing about the V-tech, but I bought my nephew a Leapster about 4 yrs ago. We got the hand held one and several games over the years. It ...
- We have four children, two girls and two boys, so we have used both the v-tech and the leapfrog systems. Love them both. However, the v-tech wasn't of much interest un...
What Kind of College Funds Are Best?
Asked by K.G. from Boise
on June 20, 2009
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I want to start an investment fund for my daughter (5 months) but just don't know which one is best - a 529, just a regular money market account....What if she gets a ...
Answers
- K. G, The 529 is going to be your better bet. It is more likely to increase in value compared to the interest rates you are going to earn on a money market account,...
- We use 529 plans for our kids. They give you the flexibility of many investing options and the gains are tax free. Some states give you a tax deduction for your cont...
- I would talk with your tax man--I talked with mine a little this spring, and I believe that 529 plans can be used for anyone in the family--so if one child doesn't go ...
Co-sleepers
Asked by H.W. from Grand Junction
on November 9, 2009
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We live in a very small house and have a queen bed. We are planning on having a co sleeper but are thinking it may be an unwise investment if we can only use it until ...
Answers
- We did the family bed....the baby slept in between us both. There is a book out by the same name. We did this actually with both sons for 2 years each. It was the BEST...
- i have no experience with that product but I have a ton of bedsharing experience. I would say to wait to purchase these things until you need them. When your child is ...
- I used a pack-n-play that had a bassinet. There are several sizes of pack-n plays. we didn't get the smallest but it was not one of the big ones either. We kept it in ...
Solar Panels. Anyone Have Them?
Asked by M.P. from Raleigh
on April 22, 2012
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At a recent Earth Day event, I talked to a business that installs solar panels on homes and businesses. They are pricey to install, but you get the investment back in ...
Answers
- I've had them for about 3 year now and I've been pretty happy. They were very heavily subsidized by our electric company, plus there were great state and federal tax ...
- I haven't looked at them, but it usually takes 5-10 years for the "payback" .... will you be in that house that long? (The payback time may depend on your particular ...
- I don't, but my boss does....and I've seen his power bills....when mine are averaging close to $200 a month, his are between $5 and $15! I have no idea how much they c...
Seeking Advice on Real Estate Property
Asked by M.M. from Miami
on June 24, 2008
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I need legal advise on an investment made two years ago. My husband purchase real estate in Florida,Panama city, (Cabana Cay), hope is familiar. My husband's excellent...
Answers
- Seek a real estate attorney or you may have to seek an international attorney depending on who is funding the property for you. YOu may have to pay a consultation fee...
- I highly recommend: Peter Abesada, Esq. 2676 SW 2nd St, Miami (Coral Gables area) ###-###-#### Here in the Miami area, many real estate transactions are foreig...
- Hello M. , I'm originally from Panama . I've been leaving in the US since I was 4 . I visited Panama for the very first time in 2004 and visited Cabana Cay is it tr...
Sewing Machine Advice
Asked by C.H. from Atlanta
on November 14, 2011
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I am looking into getting a sewing machine and teaching myself how to sew, any suggestions on what kind to get for a first sewing machine? My mother said Brother or Si...
Answers
- They occasionally offer basic classes at Vo-Techs and craft stores. Keep an eye open for these. Also, watch for quilting groups and other sewing craft clubs. Calling t...
- I actually got a Singer two years ago for Christmas and have not have any issues with it at all. Infact I took a class at my local quilt shop (these ladies are pros by...
- I enjoy sewing but it comes in spurts. I have a singer from Target that I got for less than $100.00 a couple of years ago. It works great for my projects like pillows,...
Kitchen Updates Before Selling Home- Worth It?
Asked by L.C. from Chicago
on March 12, 2012
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I am getting ready to sell my home and my realtor says that a kitchen update would help with the sale price. My kitchen is not super out of date - ceramic tile floors,...
Answers
- I wouldn't spend money on laminate, few people truly appreciate the functionality of it. The most all want granite, for the life of me I do not know why. I just don'...
- There is a Rustoluem product for cabinets and another one for counter tops. Our neighbors did their cabinets for less than $200 . They used the dark brown one . The ca...
- I would give your house the best spruce up you can to sell it. I would make a list and have a budget. When I sold my last house, we completed home repairs and did s...
