Finances
Dave Says: What the Law Will Allow
What is legal and illegal for debt collectors to do? Can they call members of my family to get information on me? Dear Dave, A debt collector has been calling members of my family to get information on me. She has identified herself as collector, and I want to pay what I owe, but is it legal...
Dave Says: Quit Impulse Spending
How do I convince my husband to stop using his debit card for non-emergencies? Dear Dave, I’m trying to convince my husband to leave his debit card at home when he goes to work. He says he wants it for emergencies, but he’s always using it for other things. I’d rather him just carry a...
Dave Says: Bad Boat Deal
Help! Should I accept partial payment and a boat in exchange for my motorcycle? Dear Dave, My wife and I are on Baby Step 2 of your plan, and we’re paying off our debt. I’ve been trying to sell my motorcycle and listed it for $5,000 on Craigslist. The other day, a guy offered me $2,000 cash...
Dave Says: To Catch a Thief
I have reason to believe my stepson's father has used his name to open credit accounts. How do I check this for a minor? Dear Dave, My stepson is about to turn 18. I have reason to believe that his biological father has used his son’s name to open credit accounts. I’ve been told that you...
Dave Says: Just Another Form of Debt
My son wants to use a starter loan to invest while he's in the Navy. Is this a good idea? Dear Dave, My son is 22 and about to enter the Navy as an officer. He’s been offered a Career Starter Loan. His plan is to invest the money and let it grow while he’s in the service. I’m not sure...
Dave Says: No Pay, No Say
My fiancée and I are paying for our wedding since parents don't want to help, but they still want to make wedding decisions. What do we do? Dear Dave, My fiancée and I are planning our wedding. Our parents don’t want to contribute financially, so we’ve budgeted $7,000 to cover everything....
Dave Says: Student Loan Debt Killing Relationship?
My niece and her potential fiancé have a lot of student debt. How can they come to peace with getting married with all this debt hanging over them? Dear Dave, My niece just graduated from college with $20,000 in student loan debt. Her boyfriend graduated as well, and they’re talking about...
Dave Says: Impulsiveness Is Not "Faith"
I'd like to stay at home with the kids, but my husband and I don't know if we can afford it. How do we make the right decision for our family? Dear Dave, My husband and I would like for me to be able to quit my job and stay at home with our kids. We’ve got a little money saved up, but we’re...
Dave Says: No Emergency Fund Means Living on the Edge
I want to use some of our emergency fund to pay down house debt. Good idea? Dear Dave, My husband and I are in pretty good shape financially. We make about $250,000 a year with about $50,000 in the bank and no debt, and we’ve set aside money for our children’s college funds. Currently, we...
Dave Says: This Is About Manhood
Should my son move out when he graduates college or stay at home and save? Dear Dave, My son has worked and saved all through school and will be graduating this year with a degree in electrical engineering. He has a job waiting for him when he finishes, and he wants to move out on his own then....
Dave Says: Whole Life for Adult Kids
Should we sell our adult sons' life insurance policies to help pay off some of our debt? Dear Dave, My husband and I have about $50,000 in debt. It started piling up several years ago when one of our sons was injured. He’s 33, his brother is 23, and we’ve got whole life insurance policies...
Dave Says: Guidelines for Giving
What guidelines should I follow when giving money to family? Dear Dave, My husband and I are debt-free, and we have $100,000 saved. We like to give, rather than loan, money to family members if they’re having financial problems. Can you give us some advice on how to establish giving guidelines?...
Dave Says: What Goes Up Must Come Down
Is the current down economy a cyclical thing and just part of life? Dear Dave, I’m about to graduate from college, and I’m following your plan and trying to focus on my future financial situation. Is the current down economy a cyclical thing and just part of life? DJ Dear DJ, It is. There...
Dave Says: Hollywood Dreams
I want to pursue my dream of acting. How do I stay financially smart while I do? Dear Dave, I plan to move to Los Angeles to chase my dream of working in the television and film industry. I’m not married, have no kids, and I have $2,500 saved to live on until I can pick up a couple of jobs. I...
Dave Says: Working vs. Learning
Should my son work during his first year of college, or focus on his education? Dear Dave, My son is a freshman in college. Do you think he should work during his first year in school or focus all his attention on his classes? Ben Dear Ben, I don’t think there’s anything wrong...
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