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Article
19
Jan 06

Yes, You Can Have Too Much of a Good Thing

Q. My wife and I have about $320,000 of investments. About a third of that amount is invested in two royalty investment trusts. One is oil-based, and the other is in natural gas. Even after the recent dunking the energy market has taken, we are still 20 percent above water on these. Obviously, we are...

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Article
13
Oct 05

Should Dividends Be Reinvested?

Q. There are some who say dividends should be reinvested whereas there are others who say it is better not to reinvest. What is your opinion? ---B.A., by e-mail A. The odds favor reinvesting the dividends. There are several reasons for this. The first is that dividends play a much larger role in long...

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Article
20
Feb 03

Will Losing Money In Houses Follow Losing In Stocks?

Q. I am 29, an attorney with two years of practice, and single. For two years I have been maxing out my 401(k) and investing about 20 percent of my gross salary and bonus each year (or about $27,000) into a basic Vanguard S&P 500 fund. I put another $1,000 a month into a money market account, which I...

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Article
26
Dec 02

The Limits of An All-In-One Fund

Q. I am a recent retiree. What is wrong in putting everything or most everything I have in my 401(k) and taxable account in a single mutual fund, the Vanguard Balanced Index Fund (ticker: VBINX)? It meets most criteria I like such as 60% stock 40% bond allocation, automatic rebalancing, index investing...

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Article
15
Aug 02

There Are Limits To Home Ownership As An Investment

Q. I am retired, 72 years of age, and living in a small high-rise condo. We have savings of $400,000 and an IRA of $1,300,000. We also have two cars and no debts. Our account value has been on a decline for many months and my wife insists that we pull out of the market and buy a big home since real estate...

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Article
09
May 02

Scaling Down Can Be A Good Idea

Q. Due to the high expenses of kids in college and the sporadic nature of my commission-only income, I have just sold my house. The house is in a high-demand area and sold very quickly. I feel, in retrospect, that I should have taken a home equity loan to pay off some credit card debt and free up some...

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Article
13
Dec 01

Saving Years On Your Mortgage

Q. I know that I have read it in your column before but I can't remember it today. On a 30-year mortgage at 5.75 percent interest, how many years can I cut off the note if we pay an extra payment or two or three a year? My husband is 53 and I am 49. We sure don't need to be paying on this any longer...

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Article
11
Oct 01

Getting A Fresh Start: It Takes Time

Q. The last 5 years were a financial disaster. Divorce, layoffs, poor spending habits and even poorer credit decisions. I remarried in May of 2000 and by November my wife and I each declared Chapter 7 (bankruptcy). Chapter 7 was discharged in February 2001. My wife's job is stable and I began what should...

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Article
30
Aug 01

Paying Down Your Mortgage Is a Good Choice

Q. I have come into some extra money. I want to know the best use for it. I have three options. I can pay down my second mortgage on my house, which is at 8.5 percent interest. Or I can pay down my car loan, which is at 5.9 percent. Or I can invest in the market. I am hesitant to go with the third option...

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Article
09
Aug 01

Simplicity Works Best In Old Age Care

Q. My father passed away a little over a year ago. My mother is in an Alzheimer's home. My sister is managing the estate, which has total assets of about $483,000. About $100,000 will need to be reinvested shortly. The money is in a variety of CDs but there are a few corporate bonds. We keep about 2...

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