Getting Personal


Paying off auto loan early

Oct 10, 2011
Question: Will paying off my car loan early (as in 4 years early) negatively affect my credit score or credit history? I opened the loan in part to...
Posted In: Credit report, credit score, Getting Personal

Cash is king

Oct 7, 2011
Question: I have about 30,000 dollars saved in a savings account that is giving me about 0.85% interest. I put about $ 800 a month into this...
Posted In: Getting Personal, Savings

Stocks and the calendar

Oct 6, 2011
Question: I know in this market everything goes, but statistically, when is the best day of the week to sell. I did some reading and its to be ...
Posted In: Getting Personal, stocks

What about an immediate annuity

Oct 5, 2011
Question: I am 64 years old and have recently retired. I plan to defer taking Social Security as long as possible as I currently do not need the...
Posted In: Getting Personal, Retirement

To Roth or not

Oct 4, 2011
Question: My husband and I are 62. He has retired but I plan on working 15 more years. We are just starting to save for retirement and are saving ...
Posted In: Getting Personal, IRAs

I-bonds and emergency savings

Oct 3, 2011
Question: My house is almost paid off. I now want to build a larger emergency fund. Putting money into a savings account or CDs will not keep up...
Posted In: Getting Personal, Savings

A priority on reducing debt

Sep 30, 2011
Question: I am a 38 year old single parent and I have a huge amount of personal debt. I have student loans ($80k), credit card debt ($22k), a car...
Posted In: debt, Getting Personal

Fund Roth or target debt

Sep 29, 2011
Question: I'm in the middle of a debate with myself as to whether my wife and I should continue to aggressively pay off a variable 4.5% HELOC or if...
Posted In: debt, Getting Personal

Moving for better schools

Sep 28, 2011
Question: I am 62 years old and have very little retirement saving, totaling $65,000. I have two (10 and 8 years old) kids and three adults. The...
Posted In: Getting Personal, Housing

An expensive private student loan

Sep 27, 2011
Question: My husband has a consolidated private student loan of $47,000. Our interest rate is 9% which seems really high for this market. We pay a...
Posted In: Getting Personal, student loans