Tag: Road to Wealth
March 14th, 2011

Q: When is a good time to cash in U.S. savings bonds? A: According to information on treasurydirect.gov, it’s important to check your savings bonds periodically to determine if they’re still earning interest, and if they’re not, they should be redeemed. I was surprised to learn that billions of dollars in savings bonds have stopped […]

March 10th, 2011

Q: I owe the IRS about $50,000. I also am in arrears for child support payments. I have about $40,000 in bills, car loan and credit card debt. I’m receiving unemployment insurance weekly. I can’t afford a bankruptcy lawyer or one to handle my IRS problems. Any suggestions? I am in dire need of help. […]

March 7th, 2011

Q: My husband lost his job. He was the main breadwinner. Right now, we are struggling to pay our monthly credit card balances. We are deciding whether to file bankruptcy or find another route for help. This is the first time we are having a hard time paying our bills, and we do not want […]

March 3rd, 2011

Q: Is it better to lease or to buy a car? A: Many financial experts will argue the pros and cons of leasing a car Let me be crystal clear about where I stand on this issue. For the overwhelming majority of people who lease a car, it’s an incredibly unwise financial move. Here are […]

February 28th, 2011

Q: I recently found out that my home is worth $140,000 less than what I paid for it four years ago. I have a 40-year loan. My mortgage company refuses to modify the loan. I was not very well informed and took bad advice in this purchase. I’ve heard about people just walking away from […]

February 24th, 2011

Q: I am in the process of getting a divorce, and I want to rebuild my credit [score]. It’s very low. And, I don’t know where to start. I want to use a credit agency, but I am not sure. I have heard that it’s best to use nonprofits; but I never hear that they […]

February 21st, 2011

Q: My husband was divorced from his first wife approximately eight years ago. They have three accounts in collection, which is hindering our chances of purchasing a home. Is it possible to write a letter to the creditors to settle his half of the debt or is he responsible for it all? San Francisco, CA […]

February 16th, 2011

Q: Is it a good idea to make use of refund anticipation loans when filing taxes? What’s the big deal? A: A refund anticipation loan (“RAL”) is a short-term loan backed by your tax refund. And it’s a bad idea because of all the fees involved. The loan lasts only until your refund arrives, which […]

February 14th, 2011

Q: I am a homeowner thinking of getting our home into a short sale. I need a list of reputable companies who may well assist me with this process. Lake Forest, CA A: I’m so glad you asked about reputable companies, because there are so many scams out there for homeowners who need to sell […]

February 10th, 2011

Q: Now that it’s tax season, are there certain scams to be on the lookout for? A: Every year, the Internal Revenue Service issues warnings to taxpayers about tax scams. You would think the warnings weren’t necessary as people become savvier, but the scams keep coming. The most common tax scam is executed in what’s […]

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