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ASK A FINANCIAL PLANNER: 'Should I sign up for a store credit card?'
Certified financial planner Sophia Bera answers:I feel like every store I ever visit offers me a store credit card in exchange for a discount on my purchase. Is there any reason I shouldn't start...
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ASK A FINANCIAL PLANNER: 'How many bank accounts should I have?'
Certified financial planner Sophia Bera answers:Is there such thing as too many or too few bank accounts? How many should I have?I'm one of those people who saves money like a squirrel: lots of bank...
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ASK A FINANCIAL PLANNER: What are some tips for paying off my massive student...
Certified financial planner Sophia Bera answers:I'm hoping you can provide me with some advice. I'm a pediatric neuropsychologist who has been licensed for two years. I'm essentially fresh out of...
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ASK A FINANCIAL PLANNER: 'How many bank accounts should I have?'
Certified financial planner Sophia Bera answers:Is there such thing as too many or too few bank accounts? How many should I have?I'm one of those people who saves money like a squirrel: lots of bank...
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ASK A FINANCIAL PLANNER: 'How do I read the paperwork that comes with my...
Certified financial planner Sophia Bera answers:My mutual fund company periodically sends me paperwork and reports — should I be reading them? What kind of information should I be looking for? And can...
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ASK A FINANCIAL PLANNER: Should I get a 15- or 30-year mortgage?
Certified financial planner Sophia Bera answers:I'm in my 30s and ready to buy a home. Should I get a 15-year mortgage or a 30-year mortgage? What's the difference, and how do I decide?Picking a...
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ASK A FINANCIAL PLANNER: 'Where do I start learning about money?'
Certified financial planner Sophia Bera answers:I want to learn more about money, but it seems like there are a million different books out there. Any recommendations on a few to start?The wealth of...
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ASK A FINANCIAL PLANNER: 'How much money should I keep in my bank accounts?'
Certified financial planner Sophia Bera answers:How much should I keep in my checking and savings accounts? And where should I keep my emergency fund?It's important to have cash available for both...
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ASK A FINANCIAL PLANNER: How do I balance saving for my retirement and saving...
Certified financial planner Sophia Bera answers:Between two high-yield savings accounts, a 401(k), and a Roth IRA, I have about $43,000 in savings. I'm contributing 9% of my income to a 401(k) and...
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ASK A FINANCIAL PLANNER: What are some tips for paying off my massive student...
Certified financial planner Sophia Bera answers:I'm hoping you can provide me with some advice. I'm a pediatric neuropsychologist who has been licensed for two years. I'm essentially fresh out of...
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ASK A FINANCIAL PLANNER: Is it worth taking a salary cut to get stock options...
Certified financial planner Jeff Rose answers:I'm in the process of considering a new career opportunity with a well-known privately held startup rumored to go public in the next year/year and a half....
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ASK A FINANCIAL PLANNER: 'How do I get around tax penalties if I want to...
Certified financial planner Jeff Rose answers:My wife and I have recently made the decision to retire in 10 years. Over the next ten years, we plan to put $40,000 a year into a retirement account and...
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ASK A FINANCIAL PLANNER: Should I use the money I was saving for my dream...
Certified financial planner Eric Roberge answers:My wife and I are in our early- to mid-30s, expecting a child next year, and are renting from her parents in order to save for hopefully our dream...
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ASK A FINANCIAL PLANNER: Should I convert my IRA to a Roth IRA?
Certified financial planner Sophia Bera answers:I am currently retired and at this point will have no income for the year. My wife still works and will make approximately $50,000. Would it be wise to...
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ASK A FINANCIAL PLANNER: What should I do with a $1.5 million real estate...
Certified financial planner Jeff Rose answers:I have close to $1.5 million in cash after a real estate sale. As a senior (over 70), I think I can easily put away half a million and draw about 10% from...
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ASK A FINANCIAL PLANNER: Does it ever make sense to raid your 401(k) to pay...
Certified financial planner Sophia Bera answers:I have a question regarding debt and 401(k). My husband and I have credit card debt of roughly $25,000 to $30,000 and a loan for $10,000. These are debts...
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ASK A FINANCIAL PLANNER: Should I start drawing Social Security early and put...
Certified financial planner Eric Roberge answers:I'm 63 and still working full time but have nothing saved towards retirement. I'd like to know if drawing social security and putting it in a mutual...
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ASK A FINANCIAL PLANNER: Should I refinance my student loans, even though I...
Certified financial planner Sophia Bera answers:I've got nearly $10,000 left in student loans, so not too much left, but still several years away from being free and clear if I'm paying the monthly...
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ASK A FINANCIAL PLANNER: Should I save money or pay off debt?
Certified financial planner Jeff Rose answers:How should I prioritize spending and saving from my take-home pay when I still have tons of student loans? I've got $30,000 left at an average rate of 7%....
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All your embarrassing questions about saving money, answered
Not everyone is taught about managing money in school, but it's one of the most important things to master as an adult.One of the pillars of personal finance is saving money.Here, we answer six common...
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