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Steven asks…What is the best personal finance magazine focusing on how to spend your money, savings tips, etc.?I know that Money and Kiplingers focus on investments and 401k which are good things that I already do, I’m more interested in reading article and tips on other things dealing with money. Thanks.Personal Finance Help answers:You can try Smart Money. They have quite a few interesting articles.
But, Money magazine has lots of personal interest stories like how a guy deals with a father having Alzheimer’s, or how a family tries to live according to their religion and be financially astute.
I would say that Money magazine is thus far the best magazine I have read which covers all topics related to finance.Sandy asks…What are the Finance and investment columns you like and regularly follow?Can you provide links to most popular personal finance and investment columnists ? Are all the articles which appear in newspapers like NY Times etc accessible through paid membership – are there any which are free on the netPersonal Finance Help answers:I read a lot of stuff on Yahoo Finance – they have some good articles and a bunch of “celebrity” writers like Suze Orman and David Bach. I also read M S N Money articles – same sort of thing – some articles good, some bad. I really like the website smartmoney.com – they have some good stuff, too.Maria asks…How can I submit articles to magazines?The articles are part of a book my partner and I are working on regarding personal finance.Personal Finance Help answers:You can email the editor or other writers your stories, and if they will not accept them, they can at least provide you with more insight as to how you can be published in a particular magazine.
I would caution you sending your articles out to every and anyone.. Someone may publish your article and not give you credit. Also if you are working on a book and you publish parts of it before hand, there may be some copyright issues that result later…. Good luck.Ruth asks…Have you tried the online personal finance tools, like Wesabe.com?Everyone is trying to better manage their personal finances. Some of the online personal finance sites appear to be gaining in popularity. If you are unfamiliar with them, Ars Technica, recently wrote an article about Wesabe.com: http://arstechnica.com/web/news/2009/01/hands-on-wesabe-helps-you-pinch-pennies-avoid-banke-fees.ars
Other sites include: Mint.com and Quicken Online.
- If you use one of the sites mentioned, what do you think about them?
- If you don’t, would you ever consider trying them out? Why or why not?
Full disclosure: As some of you already know, I represent State Farm. I am just here to gather your feedback as we work to help people make better personal finance decisions. Thanks.Personal Finance Help answers:I use Microsoft Money 50 bucks at office depot.
I can’t imagine anything being better
I’ve heard Quicken personal is also just as good.
/Carol asks…Personal Finance / Mortgage Questions?More help please. I am having difficulty finding these.
1)No mortgage broker has a unique loan that no one else in the city can get.
True or False
2)If you were referred to a loan officer by a friend
A)You should not let that loan officer know that you were referred to him, because then he will think you will really trust him and won’t question him. As a result, the officer will think he can get away with giving you a very expensive loan. And typically, the more expensive the loan, the more commission the loan officer (salesperson) makes.
B)You should keep in mind that articles in magazines for loan officers (who are just salespeople), as well as speakers and trainers, tell them to concentrate on getting referrals because a referred client is easier to get a big commission out of.
C)There’s no problem with telling him. All salespeople are nice and won’t try to rip you off for tens, or hundreds of thousands of dollars over the life of your mortgage loan to get a higher commission.
D)Both a and b above.
3)Credit life insurance is a grossly overpriced mortgage add on that should never be taken.
True or False
4)Stated Income Loans
a) are known as “liar loans”
b) should never be taken by someone who can qualify for a standard mortgage.
c) Neither a nor
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