Get smart with your money
Dear Liz: What are your recommendations for a recent dental school graduate, now practicing in California, who has about $250,000 of dental school loans to pay off but who also knows the importance of starting to save for retirement? Answer: If you’re the graduate, congratulations. Your debt load is obviously significant, but so is your […]
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Dear Liz: In a recent column, you mentioned that Medicare Part A is free, but that requires 40 quarters (or 10 years) of U.S. employment to qualify. There are, unfortunately, many of us with offshore employment who have found this out too late. Even if one has worked in a country with a tax treaty […]
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Dear Liz: You recently indicated that restricted applications for Social Security spousal benefits are no longer available to people born on or after Jan. 2, 1954. Who is responsible for this change, and when was that enacted? Is there any way it can be reversed? Answer: Congress is unlikely to revive what was widely seen […]
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Today’s top story: How to get the most out of the Walmart Rewards Mastercard. Also in the news: A new checking account that searches for the best interest rate, the pros and cons of automatic bill payments, and how to protect yourself from Doordash’s latest data breach. How to Get the Most Out of the […]
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Today’s top story: Charged an overdraft fee? Expect to pay $35 at banks, $26 at credit unions. Also in the news: This year’s important Black Friday dates, how to catch up on holiday savings, and why you shouldn’t use credit apps as a substitute for checking your credit report. Charged an Overdraft Fee? Expect to […]
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As coach travel gets more cramped, airlines have added “premium economy” sections that promise more space and comfort — often at a substantially higher price. Air carriers have discovered many travelers are willing to pay two or even three times the prevailing economy fare to escape the crowded confines of coach. The extra money is […]
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Today’s top story: Hard-won tips from borrowers who got student loan forgiveness. Also in the news: Steering your upside-down car loan back to safety, FAFSA mistakes that can negatively affect your financial aid, and what to do first with an inheritance. Hard-Won Tips From Borrowers Who Got Student Loan Forgiveness It won’t be easy. Is […]
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Today’s top story: 5 credit card changes coming soon. Also in the news: 4 ways to pay for college if your financial aid isn’t enough, the best credit cards for recent college grads, and the decline in house flipping profitability. 5 Credit Card Changes — With More Rewards, Less Fraud — Coming Soon A sneak […]
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Dear Liz: My wife plans to file for her Social Security benefit when she turns 66 in April 2020. I plan to file for my benefit at age 70 in July 2022. Can I file for a spousal benefit when my wife files in 2020? Can my wife claim a spousal benefit in 2022 when […]
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Dear Liz: Should we use a $350,000 inherited non-spousal Roth IRA to pay off our mortgage? We have $285,000 left on our mortgage and would like to retire within 10 years. This is our dream home, and we don’t think we can otherwise pay it off before retiring. We have $1.1 million in other retirement […]
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