How to Tap IRAs Early

May 20, 2019 by

You’re years from that magical age 59-1/2 when the IRS would stop penalizing you 10% for an early withdrawal, but you’re itching to get at your IRA nest egg. There’s an option you may not know about: Substantially Equal Periodic Payments.

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Pay Off Debt or Invest?

May 13, 2019 by

“The numbers” would seem to argue for investing instead of pre-paying low-interest debt. But most anyone who’s debt-free will tell you that there’s a lot more to the story.

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Our 3 Best Money Choices—#1

May 6, 2019 by

Like everybody, Ms. Money Counselor and I have made good financial choices and bad. Let’s explore the good first and maybe ignore the bad.

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100 Words for Better Credit

Apr 29, 2019 by

If your credit report is tarnished, you’ve got the right to add a 100-word statement of explanation or argument.

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Bad Credit? No Problem!

Apr 22, 2019 by

Tempted by an ad or offer guaranteeing a loan or credit card regardless of your credit history? Watch out: you may be looking at an “advance-fee loan” scam.

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Whoa! A 25% Car Loan?

Apr 15, 2019 by

I’m going to stick my neck out a bit here and offer a lot of opinions about a real life situation though I’m admittedly lacking...

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Do You Invent Needs?

Apr 8, 2019 by

Sometimes bargain hounds can be very creative in “recognizing” a need for an item only after its discovery on a retail shelf at an excellent price!

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It’s Not About the Latte

Mar 30, 2019 by

Do these 5 crucial steps to build your nest egg and drink all the lattes you want.

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Minimum Payments Will Cost You

Mar 25, 2019 by

Routinely make the minimum payment on your credit card and you’re just the sort of sucker credit card issuers love to have as customers.

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Rapid Rescore = $$$

Mar 18, 2019 by

Applying for a mortgage or thinking of refinancing? Be sure your mortgage lender does a “rapid rescore” analysis of your credit report.

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Can’t Pay Your Taxes?

Mar 11, 2019 by

You’ve finished your tax return, yay! But there’s just one problem: you don’t have the money to pay your taxes due by April 18. Now what?

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Can We Afford This?

Mar 5, 2019 by

I have a foolproof method of judging whether I can afford something: My wife tells me. You may not be so lucky.

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Should Humans Buy & Hold?

Feb 25, 2019 by

Can an investment strategy work in practice that requires regular decision-making and market assessments from an inescapably emotion-laden human with his or her own money at stake?

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Handling a Money Crisis

Jan 20, 2019 by

What would you do if a family wage earner were unexpectedly laid off? Panic and paralysis is normal for a day or two, but then what?

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Financially Survive the Shutdo...

Jan 14, 2019 by

While the national leaders Americans elected shoot spitballs at each other, you’ve got bills to pay. If your income has been slashed, we hope temporarily, by the government shutdown, you need a plan to keep your head above water. Here it is.

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Plan to Pay Off Debt

Jan 7, 2019 by

You’re ready to attack a mountain or a molehill of debt. If your goal is to flatten the debt by a certain date, how much do you pay each month?

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Pay Debt with 401(k) Loan?

Dec 31, 2018 by

If you have high-interest debt like credit cards, that chunk of change you’ve accumulated in your workplace retirement account may look mighty tempting. Why not lend it to yourself, pay off the credit cards, and save the interest expense?

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When to Freeze Your Credit

Dec 24, 2018 by

You may have heard of freezing your credit cards in a block of ice as a tactic to deter impulse spending and borrowing. But that’s not what’s meant by “credit freeze.”

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Net Worth: How Are You Doing?

Dec 18, 2018 by

If you’re visiting this site, you’re probably focused on making better money choices, paying off debt, and saving more. But how do you know where you stand? Are you ahead or behind Americans your age?

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Credit Repair: Always a Rip-Of...

Dec 10, 2018 by

Is your credit report blemished? Are you considering cosmetic surgery? Don’t waste your money please.

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Send a Cease & Desist Let...

Dec 3, 2018 by

You have the right to force that nasty debt collector to stop contacting you. But doing so might have even nastier consequences.

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Why Overpay for Everything?

Nov 25, 2018 by

Nobody wants to overpay. But you might be paying twice as much as you need to for stuff you buy without realizing it.

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Get These 3 Things Right

Nov 19, 2018 by

Saving enough for a comfortable, secure retirement isn’t complicated. Follow these three guidelines, and you can’t miss. And your little man/woman will be happy. 🙂

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Paying for Aloha

Apr 16, 2018 by

How I freed up over $6,000 in cash that we’re putting to fun use on a long Hawaiian holiday.

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