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Stock futures are lower ahead of inflation data, with tech under pressure after Apple, Amazon disappointment

Stock futures are lower ahead of inflation data, with tech under pressure after Apple, Amazon disappointment

Stock futures were moving mostly lower on Friday, with tech stocks set to lead the way south after disappointing results from industry giants Amazon.com Inc. and Apple Inc. Investors are awaiting key inflation data, as well as more results from major energy companies such as Exxon Mobil Inc. How are stock-index futures trading? S&P 500 …

Stock futures are lower ahead of inflation data, with tech under pressure after Apple, Amazon disappointment Read More »

'The weight of this debt is crushing': I'm 74, and a retired speech-language pathologist with a student-loan debt of $200K. Am I obliged to pay it off?

‘I feel deceived’: After 20 years of paying my student loan, I discovered I don’t qualify for forgiveness. My loans total $167,000. What can I do?

I took out loans for professional/graduate school during the years 1993 to 1996. I took out about $54,000 in loans. In 2002, I consolidated all my federal loans. The balance is approximately $167,000. I have been paying between $350 and $1,100 per month for the last 20 years.  I believed that I was under an …

‘I feel deceived’: After 20 years of paying my student loan, I discovered I don’t qualify for forgiveness. My loans total $167,000. What can I do? Read More »

'The weight of this debt is crushing': I'm 74, and a retired speech-language pathologist with a student-loan debt of $200K. Am I obliged to pay it off?

‘The graveyard shift is the most understaffed:’ I wait tables on the Las Vegas Strip. Our drunk customers often don’t tip. How can I persuade my boss to add a service charge?

Dear Quentin,  I currently work at a fast-casual restaurant on the Las Vegas Strip. I have worked at the company for three years. I work at the busiest outlet of this restaurant in the world. During the slow winter months, this restaurant makes an average of $130,000 a week. During the summer months, we make …

‘The graveyard shift is the most understaffed:’ I wait tables on the Las Vegas Strip. Our drunk customers often don’t tip. How can I persuade my boss to add a service charge? Read More »

'The weight of this debt is crushing': I'm 74, and a retired speech-language pathologist with a student-loan debt of $200K. Am I obliged to pay it off?

‘The weight of this debt is crushing’: I’m 74, and a retired speech-language pathologist with a student-loan debt of $200K. Am I obliged to pay it off?

I have not seen anyone address student-loan debt for people over 70 years of age. I am a 74-year-old retired speech-language pathologist with a student-loan debt of $200,000.  I’m on a fixed income, and the weight of this debt is crushing even with income-based repayment. I have no hope of ever repaying this debt. Shouldn’t there be an …

‘The weight of this debt is crushing’: I’m 74, and a retired speech-language pathologist with a student-loan debt of $200K. Am I obliged to pay it off? Read More »

Tim Ranzetta is on a mission to bring personal finance classes to all high schools. Here's the No. 1 lesson he says everyone should know

Tim Ranzetta is on a mission to bring personal finance classes to all high schools. Here’s the No. 1 lesson he says everyone should know

What do you wish your younger self knew about finance?  Before Tim Ranzetta, a San Francisco-based entrepreneur, co-founded Next Gen Personal Finance (NGPF), a nonprofit with a mission to bring personal-financial education to all students, he volunteered to teach a class in personal finance to ninth graders. Their hunger for financial lessons impressed him. “As …

Tim Ranzetta is on a mission to bring personal finance classes to all high schools. Here’s the No. 1 lesson he says everyone should know Read More »

I’m 60 and a single mother. My daughter, 17, has a developmental disability. How do I make sure she’s taken care of after I’m gone?

‘I feel incredibly guilty’: My sister is unemployed and my brother makes $40,000. Should I offer to match their 529 plan contributions for their kids?

Dear Quentin, My wife and I currently make $250,000 a year, which will climb north of $500,000 in the next few years. I have a currently unemployed sister and a brother who makes $40,000 annually with three kids. We are all in our early to mid-30s. When thinking 10 to 30 years down the road, …

‘I feel incredibly guilty’: My sister is unemployed and my brother makes $40,000. Should I offer to match their 529 plan contributions for their kids? Read More »

We want to retire to a place with lots of cultural activities, a beach and a major airport. Our budget is $4,000-$5,500 a month, including rent -- so where should we look?

We want to retire to a place with lots of cultural activities, a beach and a major airport. Our budget is $4,000-$5,500 a month, including rent — so where should we look?

I am a 51-year-old married woman and planning to semi-retire at 62 and fully retire at 65. My husband and I are starting to think about places that we would consider retiring to and then visiting many of them over the next 10 years. Dear Mindy, Congratulations giving yourself plenty of time to explore possible …

We want to retire to a place with lots of cultural activities, a beach and a major airport. Our budget is $4,000-$5,500 a month, including rent — so where should we look? Read More »

I’m 60 and a single mother. My daughter, 17, has a developmental disability. How do I make sure she’s taken care of after I’m gone?

‘Enough touchscreen tipping already! I’m over it’: Two years into the COVID-19 pandemic, do I have to tip for coffee, ice cream and takeout? Am I being cheap?

I recently bought an ice cream cone at a nearby parlor. It’s a big-name joint and I won’t name it here, but suffice it to say you can pay up to $8 for a carryout cone or a cup. The line is out the door, especially in the evening.  At lunchtime, I like to buy …

‘Enough touchscreen tipping already! I’m over it’: Two years into the COVID-19 pandemic, do I have to tip for coffee, ice cream and takeout? Am I being cheap? Read More »