Ask Terry Archives

Joint check ing ,, savings accounts with adult child. This child in huge credit card .debt with her husband. Can her debtors go after my accounts which is my sole retirement income?

How is it possible to refinance a loan when debt to income is not what banks want, even though home is paid for, and have over $400,000.00 liquid, also numerous retirement accounts.

I just heard you on WGN. your discussion about part d named 2 sites: medicare.gov and ehealthmedicare.com. I have been to both sites and I am unable to locate on either site where to enter my zip code and my meds and get a comparison of the various options available to me.

Can you tell me the web site I should look on where I insert the drugs I currently take and the most economical choice I should make. You spoke today on WGN at noon about this, but I was unable to catch what you said about where to look. Thank you for your help.

The analysis from this this site is quite an eye opener. If it is to be believed it will save me over 6K in drug prescription costs next year. But, how reliable is it? It anticipates my Xarelto will not be covered but in fact it is covered by a variance. It does not indicate…

You talked about this in WGN when will it be online? Thanks

I would be interested in your initial reaction to the more significant tax change proposals being discussed in Washington. Our law makers are saying how so many middle class taxpayers will be helped, but I hear just the opposite from financial pundits. As usual, we are left to ponder in a state of confusion until…

You said that there was a site we could go to and put in the meds and dosages and the site would tell us which plan would be the least expensive. Can you direct me to that site? Thanks

Can I still download your Personal financial Organizer form? I couldn't find it on your home page.

What are the two websites you talked about on WGN for college scholarships?

Hi Terry, Heard u in wgn. We have about $$50,000 invested in CDs. Thats the only investment we have. Its returns are about nothing. We are retired & would like to invest in something thats not risky. Thank you, Linda Sloan

How do I go about canceling credit cards I haven't used in years and don't intend to use again? I have 2 that I use if needed but have a few I never use. Thank you.

My son is in his 3rd year of college and is interested in studying abroad next semester. When he was born, he received a bunch of EE Bonds, some of the bonds have his name and some have my name listed, but were for him. Should he cash in those bonds to help pay for…

All 401 programs must have a "safe fund"....a money market fund or stable value fund. How safe are stable value funds today regarding: 1. Reliablity of the credit rating agencies re. the swap issuers, 2. Financial condition of the swap issuers, 3. Quality of mortgage backed and other securities bought by the Stable Value Fund…

I am 70 1/2 and required to begin withdrawing from my IRAs. I have a pension, have no debts, and do not, at this time, need the RMD funds. I do not have long term health insurance and, although in good health, am conerned with the future. Therefore, I would like to continue to invest…

Hi Terry!! My husband and I rent. He got hurt at work and was out for 6 months. During that time I couldn't keep up w all our bills and got way behind on our rent and credit cards. We finally paid off our past due rent of 5000 but now our landlord tells us…

What is the best thing to do with your employers 401k account when you retire and leave the company?

I've been hearing a lot about crypto-currencies lately. They seem to be the latest version of Bitcoin. What can you tell us? Thx! Mar H.

Hi Terry, What book do you recommend about social security that is easy to read and understand? Thank you so much, Lynda

I believe it was you some time ago that mentioned a person that had a web site for annuities where there was little or reduced fees. Could you supply that web address please. I thought I book marked it but I cannot find it. Thanks