| Subject | Date Asked | Expert |
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| buying a car | 2/28/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: I would like to know your opinion on buying a car .first let me tell a little bit about my financial ...
A: Remember, if you have a loan for the car, the insurance premiums that may be required, as well. The ...
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| getting out of debt before its impossible | 2/27/2008 | Julie Zorgo |
Q: I don't even know if this is the right place to find help but here goes. I have very bad credit ...
A: I hope I can help you out. I will address each issue you have presented separately: 1. Get a free ...
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| in debt | 2/25/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: im living her in shreveport louisiana im married with two kids wife has good job im just behind most ...
A: Without knowing your income and expenses, I can't give you any specifics, but the most sure method ...
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| HELP!! | 2/25/2008 | Julie Zorgo |
Q: I'm a full time college student. I work about 10 hours per week making $10 an hour. But I only get ...
A: I believe the best solution for your current problem is for you to do the following three things: ...
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| Budgeting | 2/22/2008 | Julie Zorgo |
Q: I need budgeting help! I have one full time job, one part time job, and receive child support..so, ...
A: Lori! I'm sorry to hear about your situation. Fortunately there is hope for you to be able to pay ...
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| Getting Adult Son to live on a Budget | 2/16/2008 | Kendra M. Tessman |
Q: ..I need advise on helping my son budget his money...believe it or not he is 21 and is always over ...
A: Cindy, It sounds like he might need some tough love. At 21, he should be able to understand how ...
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| buy or not to buy | 2/11/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: I'm 27 years old been staying with my grandma and really want to get my own place. just not sure how ...
A: I know you are wanting your own place, but right now real estate is a very unstable investment. I ...
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| Need advice - what do I apply to first? | 2/10/2008 | tbaarr |
Q: I am a college student working full-time earning about $23,000 a year. I've been having a lot of ...
A: I never subscribed to this 3 month rule. I have found It usually takes 30-45 days for and inquiry ...
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| What happens when you're declined? | 2/10/2008 | Gina Boykin |
Q: I understand that if you are turned down for a credit card or loan, it will bring your credit score ...
A: Your credit score DOES NOT go down when you are turned down for credit. Your score DOES go down ...
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| Gap in employment | 2/10/2008 | Gina Boykin |
Q: I want to apply for a platinum credit card. The application asks me for my work history. It asks ...
A: Credit card companies are mostly concerned about the things that make up your credit score, which ...
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| Debt | 2/8/2008 | Julie Zorgo |
Q: I am 33yrs old my household income is 68,500.00 per year, between me and my wife. But we cant seem ...
A: My husband and I have two boys and are living on less than $40,000 a year, so it's definitely ...
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| Credit Report - Don't recognize credit cards | 1/28/2008 | Gina Boykin |
Q: There are no charges on these cards, but I still want to know what they are. There is no contact ...
A: If you don't recognize a card, then the best place to start is to dispute the card with the credit ...
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| Should we sell our home? | 1/22/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: My husband and I are wanting to reduce our debt to free us up a little bit. We have four children ...
A: I do not know where you live, but I do know in the US, mortgages are somewhat shaky right now and if ...
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| i am a 20 year old guy trying to plan a complete budget, and i need help. | 1/14/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: I just started working full time at my new job in a field i love, and i want to create a down to ...
A: You are wise in figuring your potential expenses before moving and possibly setting yourself up . . ...
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| Paying off credit card vs. saving money... | 1/11/2008 | Gina Boykin |
Q: 000 balance on a credit card that I've slowly but surely been chipping away at the past few years. ...
A: I think the most important thing you can do is to develop good habits. One of these habits is to ...
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| Budgeting our lives | 1/6/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: I am a 29 year old woman who is married and has 3 young children. My husband and I always seem to ...
A: I think this is simply a matter of sitting down, writing it down and getting a plan, rather than ...
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| Debt Crisis | 1/5/2008 | Kendra M. Tessman |
Q: I am going to crash and burn pretty quickly here, I have been borrowing from peter to pay paul and ...
A: Gregg, Please contact a Certified Financial Advisor or Bankruptcy Attorney immediately! Normally, ...
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| Credit Card Debt | 1/4/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: My wife and I currently have 3 credit cards that we are trying to pay off as quickly as possible. I ...
A: Anytime you are only paying the minimum, the balance will remain virtually unchanged, as the minimum ...
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| Debt Management | 1/3/2008 | Kindred Beisinger penname K D Elizabeth Beisinger |
Q: I've always had an excellent credit rating in the 800 range. I lost my job and have been having a ...
A: A credit rating is in itself a "Catch 22." If you are not in debt, you don't need a high credit ...
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| Retirement Savings | 12/26/2007 | Kendra M. Tessman |
Q: We are a family of 4. My husband and I are 37 and 35. We have nothing put back into any sort of ...
A: I recommend you proceed with caution and remember that "low-risk" and "no-risk" are not the same. ...
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| income tax claims | 12/25/2007 | Kendra M. Tessman |
Q: since income tax time is comming around and refunds are comming i have a question that i hope u can ...
A: In this case, it will depend on whether Mom is employed or not. If she is employed, she will ...
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| collection agency | 12/20/2007 | Gina Boykin |
Q: i had a check that came back returned for $32.00 over a year ago...i just spoke with an collector & ...
A: I heard once on a radio show about finances that "you know a collector is lying if his mouth is ...
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| financial planning. | 12/14/2007 | Gina Boykin |
Q: My fiance and I have been talking lately about our finances. It all seems so confusing! He hit a ...
A: I'm a firm believer that personal finance should be just that - personal. So your plan should ...
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| budget | 12/3/2007 | Gina Boykin |
Q: I've recently signed a contract for Debt Free Services Student Loan Consolidation Program. My ...
A: Whew! You have a lot of questions. Hopefully I can get to them all. You definitely need to ...
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| young adults | 12/2/2007 | Gina Boykin |
Q: I am a Journalism student at Algonquin college and I am writing a feature story on young adults ...
A: We live in a microwave society. Gotta have it - and can't wait for it. Most young people have ...
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| ffixing credit | 12/1/2007 | Gina Boykin |
Q: how do i fix my credit score
A: Your credit score is made up of: Payment history Amounts owed Length of credit history New credit ...
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| Avoiding interest on credit card cash advances | 11/30/2007 | tbaarr |
Q: I know that cash advances on credit cards should be avoided unless absolutely necessary because ...
A: whats your purpose here guy if you can preload the credit card with cash why even do it you have ...
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| Saving for a house | 11/26/2007 | Gina Boykin |
Q: My fiance and I are looking to save for our first home. He thinks I should put money away in a 403B ...
A: A 401K or 403B is actually the LAST place you want to go to take out money for a home. If you are ...
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| Retailers and Credit Cards - Autos | 11/26/2007 | tbaarr |
Q: This is probably dumb, but here goes: I always pay my credit cards in full upon receiving the ...
A: as far as i know they can they also can set a credit price and a lower cash price on fuel as you ...
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| question | 11/17/2007 | Chris G. |
Q: At this time I have about 50K in my money market account in the bank. I need to put my mother as the ...
A: Well, there is no way to do that within a bank. I haven't heard of any way to do it period. In ...
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| Help! My Wife has racked up way too much debt! | 11/16/2007 | Chris G. |
Q: Chris: I have discovered that my wife was unfaithful to me; while this was happening, she simply ...
A: I do not know exactly how the laws work in your state. However, when your wife signed up for her ...
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| credit repair agency | 11/16/2007 | tbaarr |
Q: Is there an honest credit repair company you would recomend?
A: I have not found one I suggest you get a secured visa from bank of america or discover and pay the ...
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| Help! My Wife has racked up way too much debt! | 11/16/2007 | Chris G. |
Q: Chris: I have discovered that my wife was unfaithful to me; while this was happening, she simply ...
A: Greg, It is funny that you would mention the Crown MVelope system. I was just looking at that the ...
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| Help! My Wife has racked up way too much debt! | 11/16/2007 | Chris G. |
Q: Chris: I have discovered that my wife was unfaithful to me; while this was happening, she simply ...
A: It seems like you guys are in quite a mess. To answer your short question, I would not recommend ...
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| budgeting | 11/4/2007 | Chris G. |
Q: I'm a recent college graduate and I'm looking to purchase a slightly used car. I just started my ...
A: Hey Paul, Thanks for the email. You are on exactly the right track. Financing a car is never a ...
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| credit card information | 11/3/2007 | Gina Boykin |
Q: What is considered a good interest rate on a credit card and should this rate be fixed or variable? ...
A: Every time you open a new card, you affect your credit score. Part of your score is based on "new ...
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| credit card information | 10/31/2007 | Gina Boykin |
Q: What is considered a good interest rate on a credit card and should this rate be fixed or variable?
A: The interest rate that you will be quoted for a credit card will depend on your credit score or FICO ...
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| card withdrawals abroad | 10/29/2007 | Gary C. Dunn |
Q: My son is living in German and using saved money to live on . Is there a bank which does not charge ...
A: Citibank offers no-fee ATM withdrawals at Citi ATMs worldwide (subject to 1% forex fee) which now ...
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| Credit card | 10/25/2007 | tbaarr |
Q: I have heard that canceling a credit card can have an adverse effect on a person's credit report. ...
A: yes it will adversely affect your credit and they dont care either way they set up their system to ...
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| credit question | 10/24/2007 | Gina Boykin |
Q: I don't have any credit. I just bought a car with my sister cosigning for me. If i applied for ...
A: Whenever you apply for new credit, it temporarily lowers your credit score. Your car loan is ...
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