Ask Terry Archives

A contact was made to a plan at www.eHealthInsurance.com as noted in your 11/13/17 article in Chicago Tribune regarding special small business plan enrollment 11/15 to 12/15. The response was that the plan was not available unless you have 2 employees, not just 1 as your article states.

Hello, Terry! I am a fan and just bought your book, "The Savage Truth on Money". My husband and I are recently retired and have about two million in retirement investments. Our financial planner with Benjamin Edwards has looked at all our accounts and is recommending that I move my 401K from my former employer…

So I want to open a savings account for my kids. I was looking online and noticed a difference in interest rates available. The plan is to just deposit money from birthdays and holidays that the kids receive. And as our sons earn money teaching to put into their savings too. So considering current interest…

My husband initially requested a withdrawal in May from a company and they keep stalling on payment. All paperwork was correctly submitted - numerous times, but they always seem to need one thing or another again and again. And usually only after we call to check on progress. Is there an agency that we can…

May I receive the download of the free personal financial organizer?

Loved your article on the risks involved and reasons “bonds” are not always safe. My CFP has 30% of my portfolio in a 10 year corporate bond ladder (no junk bonds) that yields on average 3.5 %. His plan is to hold each one to maturity and then replace them with another bond 10 years…

Hi, I am 69 1/2 and have a self managed Roth ira in a Charles Schwab account and would like to buy a few cryptocurrencies. I've tried to buy them with my Schwab but not able to.

How can a bond gain 6% interest but lose on its principle?

Good afternoon, I need help managing my debt (don't we all). So here is the issue. My husband and I, mostly I have racked up credit card debt in access of $40K. Since my minimums are so high, it is hard to manage the payments and have any money left for necessities such as groceries…

Are annuities good? What about online banks (Discover) v branch banking (chase) for CD 10K and over?

Found an old ATT stock certificate issued 1962. How do I find out the current value of these shares? Thank you

How do I choose the best Medicare prescription plan?

I READ YOUR MESSAGE ABOUT PLAN D. I RECEIVED MY MEDICARE CARD IN MAIL AND IT STARTS DEC 1 2017. I CURRENTLY DO NOT TAKE ANY DRUGS, SO I DO NOT KNOW WHICH PLAN D I SHOULD GET, ANY SUGGESTIONS?

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

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