An article by BudgetQueen What is stopping you from investing in your 401K? Is it possible that you are contributing too much to your 401K? Is a 401K always the best investment for you? Well let’s sit down and talk… A lot of people have fears about investing in today’s economy. Or perhaps you had a 401K once and you cashed it in, or lost a lot of money on it so you quit investing. Or if you have a 401K believe it or not, you may be even contributing too much to it! Regardless, a 401K is an … [Read more...]
Help! My sibling is a mooch!
Dear Christine, My brother is 41 and he has been using people his whole life – and he gets away with it. He often gets my dad to pay his rent. He gets his girlfriend to buy him plane tickets. He even once charged my mom to plant flowers in her yard when she injured her back on Mother’s Day! I know that you are going to tell me that it is none of my business – most people do. But my parents are spending so much money on him when they can’t really afford it. I am also worried that he will never … [Read more...]
Do I need life insurance?
An article by BudgetQueen My dad purchased a whole life insurance policy for me when I was very young. As I grew up the cash money that accumulated added to cover all of the expenses for my Bachelors Degree at the state university. My dad is also doing the same for my children. Am I grateful? Absolutely. Is it still a good idea to use whole life insurance to save up for college? Well let’s talk about some of the savings benefits of life insurance, and the other things that life insurance can do … [Read more...]
Should I get a home equity line of credit?
An article by BudgetQueen You have owned your house for five years. Five years you haven’t missed a payment. You are one smart home owner! Your house also has increased in value quite a bit. You wonder if you can get a loan on this “equity” or the amount that your house is worth minus the amount you owe. The interest rate on this loan is really low right now and you are wondering if you could use it to pay off a few things like credit cards, or add an addition, or just to add a security net. … [Read more...]
Make and Keep Your Financial Goals
As a financial advisor you may be surprised to know that there is only one thing I like more than saving money, investing money and making money: that is spending money. Although I think I am frugal, my husband thinks that I am the infomercial’s favorite victim, the shampoo industry’s biggest client and the tourism industry’s biggest vacationer. But I have to put it in perspective so I don’t spend more than I make.It is always a good idea to have goals and I have many of them. But it is not … [Read more...]
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