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3 In 1 Credit Reports
The retired couple's guide to livin' the dream Question: My husband and I have been happily married for 28 years. Careful spending and sound planning over time has provided us with a very comfortable financial future. Although we're compatible in many ways, our outlook differs when it comes to enjoying our money. I'm more of a saver and I hate to shop. I'm already retired, and when my husband retires in a year we'll begin drawing on our retirement savings. Can you suggest some tips on how we can communicate effectively about spending our money? How do we assure that we'll both have the independence to decide how we want to spend "our share" without judgment? --Margaret M. Mr. Distress is ready to buy Whether it's steel, textiles, or auto manufacturing, Wilbur Ross has built a lucrative career finding gold in industries left for dead. Retired early ... and getting scared Question: I had the good fortune to be able to retire early at age 52, but last year's market meltdown has made me rethink the decision. I may still be okay, but I don't have the same level of certainty I once had. My question is this: How will Social Security be calculated for me and how does the fact that I haven't worked the last few years fit into the calculation? --Jack Ford, West Newbury, Mass. Leaving your job? Don't forget your 401(k) Question: I'm in my 30's and have a 401(k) from a previous job, 75% of which is invested in a variety of stock portfolios. Although my stock holdings have recovered a bit recently, I'm still down about $7,000 from my peak balance. I'm planning to roll over this old 401(k) into either the 401(k) at my new job or into an IRA account, but I'm wondering whether I should do the rollover now while stocks are still cheap or wait until the market has recovered and then do it. What do think? --Todd Gerecke, Lynden, Washington How much you'll need in retirement Question: I always heard that you will need 80% or so of your working salary to live on in retirement. But is that a percentage of your gross income or your take-home pay? --Mary Taylor, Chalfont, Pennsylvania 3 In Credit Reports NewsDo You Understand Your Credit Card Contract?When signing up for a credit card you are actually entering into a contract with the bank. That contract was drafted by a team of attorneys to protect the interests of their client, the bank. Have you ever read the contract and all the fine print? Free Credit Repair - How to Get it Done Yourself Today Before you can can start repairing your credit, you should first understand the importance of exactly what a bad credit score can do to your life. A bad credit score may materialize for a variety of causes. Possibly you had been in a unfavorable location in your life and suffered troubles and were unable to make your monthly payments. Perhaps you had problems and needed to file for personal bankruptcy. Anatomy of Bad Credit Have you been turned down for loan applications for so many times? The last time that you applied for a job, did you find it difficult to be accepted even though you are highly qualified? How about when you were searching for an apartment, how long were you homeless, or close to being one? Guide to the Prepay Card If you dread opening your credit card bill each month, you may sometimes wonder if there's an alternative way of using plastic that doesn't involve the risk of getting sucked into spending money that you don't really have. Well, there is and it's called the prepay card. What is Your Credit Worth in Today's Economy? Many people struggle and fight all their lives to maintain that perfect credit score. Unfortunately for many, this approach just may land them in the poor house slowly. Is the Gold Worth it? An American Express Gold Card Review Is the American Express Gold Card really going for the gold? Find out about this card's features, advantages and disadvantages. | |
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How to retire early, save for a home Like many households, Wener and Tieun Vieux have suffered a few financial jolts of late. How much you'll need in retirement Question: I always heard that you will need 80% or so of your working salary to live on in retirement. But is that a percentage of your gross income or your take-home pay? --Mary Taylor, Chalfont, Pennsylvania | |
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