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Archive of Dave Says - Weekly Financial Blog

Archive of Dave Says - Weekly Financial Blog
This is Your College Fund
If you're setting aside money for your young child's eventual college education, consider a 529 plan over a simple savings account.... more
Co-signer Passed Away
When a survivor is and is not responsible for debts incurred by a deceased spouse.... more
Don't Use a Land Contract
Why purchasing a home on a land contract is a bad investment idea.... more
A Tricky Joint Account
Ideas on how to better keep track of joint checking accounts.... more
A Rough Lesson
You have rights as a consumer, and you are not legally liable for credit card debt when you're just an authorized user.... more
Wealthy, but not Spoiled
To teach kids the value of money, gently remind them that they've got nothing until they go out and earn it.... more
Big Car Debt, Small Income
If you're paying off an expensive car thatcosts more than 50% of your income, then it's time to sell off the car and find something more affordable.... more
Serious Talk Time
When unexpected medical costs strike a family, it's time for the kids to pitch in with part time jobs and stop thinking about expensive college options.... more
Finding Good Tenants
There are several steps you need to take as a property owner to insure potential tenants are a good risk.... more
Denied for Life
There are ways to find life insurance for someone who is considered uninsurable.... more
The Ever-Changing Budget
Your budget will vary from month to month. Make adjustments accordingly and you shouldn't be backed into a corner.... more
Bankruptcy Just for Her?
Don't try to use bankruptcy as an escape from a negative financial situation.... more
What Term Does He Need?
The length of a term life insurance policy depends greatly upon how young your children are and if a bigger family is planned.... more
Buying a House With 403(b) Money
Using retirement funds to purchase a house is not the best of ideas.... more
Impulsive May Equal Homeless
If you're ready for a career change, make sure you thoroughly examine all of the aspects of leaving what you have, and don't make any impulsive decisions.... more
That's Why you Have Health Insurance
You should say yes to health insurance as a small business owner, but say no to the idea of specific cancer insurance... more
Loving Your Friend Enough for the Truth
Here's some very sound advice for anyone going to college and gearing up for those expensive student loans. Make sure the career you're planning will pay enough to pay off those massive loans.... more
Not Enough Down Payment?
If you don't have the 20% for a mortgage down payment, it will get very costly because of something called the PMI. It's something you should try to avoid.... more
Wants aren't Emergencies
... more
Getting the Guilt Trip
How to help financially strapped parents without letting them see your help as an entitlement.... more
Is Converting to a Roth Smart?
When is it smart to move funds from a IRA into a Roth IRA?... more
Roommate Agreement with Family?
Should you let your in-laws move in with you while they get back on their feet, and, if so, what sort of guidelines need to be put in place.... more
Thinking Long Term
Long term health insurance, and why you should make it happen when you hit 60.... more
Her Blessing was to be a Blessing
Honoring your Mother has nothing to do with refusing to use her stock inheritance.... more
No Downside...If
Dave talks about the ups and downs of frequent home refinancing.... more
No Deal Broken
Should parents be expected to pay for a child?s law degree.... more
Retirement Blend
Dave advises to chose self-chosen funds because you will have more control of your investment.... more
Is Combining Them Smart?
Dave advises on combining mortgage and home equity loan in to one loan at the shortest time possible to pay off the loan.... more
Altering a Baby Step
Breaking the rules: Sometimes you just have to do it.... more
Move or Set Family Boundaries?
Setting the Boundaries: Establishing boundaries in a relationship can be far more effective than geographical boundaries.... more
Is it in the Will?
Dave advised honoring terminally ill dad's wishes and add his wishes to the Will as long he is of sound mind when he made it.... more
Is it ever too late to get life insurance?
Dave says it is never too late to get life insurance, but acknowledges that past 70 it may be more difficult.... more
Watch What you Give Them!
Dave suggest not supply any extra information to debt collectors.... more
Resenting the Family Loan
... more
Fixing the Transmission
Dave advised someone to sell an old truck that needs repair instead of taking a loan to fix it.... more
Exchange Traded Funds as Investments?
Dave advise against exchange-traded funds as an investment vehicle.... more
Time to Pay It Off!
Dave advised someone to pay off their home equity loan.... more
How Do Mutual Funds Work?
Dave explains how mutual funds work.... more
Today's Necessities
Dave explains necessities in today's world while living on a budget.... more
She Stole His Identity
Dave explains identity theft issues with divorced couples.... more
Essential Expenses
Dave explains essential expenses.... more
Should She Have Skin in the Game?
Dave gives advice on when to pay for your children, and when they should have to chip in.... more
Starting Over After Divorce
Dave gives tips on how to move forward financially after divorce.... more
You Lose Control with Repossession
Dave explains why it is important to avoid repossession of your car, and how it could hurt you more financially.... more
Making it Through Medical Leave
Dave gives his advice on what to do and what not to do for finances while on medical leave from work.... more
Forgiven Debt
Dave gives his opinion on paying forgiven debts.... more
You're not Stunting Her
Dave gives his opinion on family members helping out with the bills while they are staying with you.... more
Too Much for Date Night
Dave gives his opinion on spending money on a 'date night' and alternatives you can take to save that money.... more
Don't Ask for a Murphy Visit
Dave gives his opinion on taking money from your emergency fund savings.... more
Buying Wholesale
Dave gives his opinion on wholesale club memberships.... more
Something to Salvage
Dave gives his opinion on buying a salvaged car.... more
No on Rent-to-Own!
Dave gives his opinion on rent-to-own housing, and why it is not a smart option.... more
Can I Motivate My Parents?
Dave gives his opinion on retirement, and says the best thing you can offer is hope.... more
There's a Better Option
Dave explains EE Series Bonds and the best option of what to do with them.... more
What's the Difference?
Dave gives his opinion on debt and what bills to pay off.... more
Do not Move the Money
Custodial accounts vs. being awarded as much in scholarships and other assistance.... more
Credit Card Churning - Don't Move the Money
What do you think about the practice of credit card churning? Also, Both of our daughters will start college next year.... more
Credit Card Churning
What do you think about the practice of credit card churning?... more
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