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Give a wedding gift they can really use

22.06.09

Question: My son just got engaged and I'd like to give him and his fiancé an hour with a financial planner as a gift. Can you recommend a reputable Web site or association so I can find them a trustworthy planner near where they live? --Debby B., Tulsa, Oklahoma

Question: I'm 62 and have accumulated about $2.6 million in retirement savings, which is invested in stocks and bonds. My adviser suggests that I take a third of this money and invest it in a guaranteed 6% income variable annuity. The cost of the 6% rider is 0.95% of the account balance per year. Do you think this is a good idea? --J.H., Lansing, Michigan A market dip in the years before retirement can be scary, but bailing out of stocks isn't the answer. Here's how to make sure you're still on track. Question: What does the new stimulus package do for people receiving Social Security benefits? --Bonnie, St. Petersburg, Florida



There are those rare moments in business when a technology goes from being cutting edge to being an indispensable part of everyday life. Question: I'm 49 and my wife is 50. We agree on most things, except how much of our investment portfolio we should keep in cash. She is completely risk-averse and focuses only on the "spanking" we took in the market last year. I feel that by letting so much money sit in CDs earning 1% to 2% we're missing out on better opportunities. Currently, we've got about $500,000 in cash as part of an otherwise well diversified portfolio. Can you help me convince her to take half that money and buy into some dividend-paying blue chips? --Garry, Atlanta, Georgia I could not have bought my first house long ago without borrowing the down payment from Mom and Dad. Their loan got me started down the home-equity path, and it's paid dividends ever since.

The credit card reform bill tries to help cash-strapped customers, but companies are just coming up with new ways to boost profits.

When the kids need to support mom and dad, how should they divvy up the expenses? Money's ethicists weigh in. While it may be hard to feel sympathy for America's millionaires, they're feeling the economic crunch, too - nearly a third of their assets have disappeared in the downturn, according to a consulting firm's report released Tuesday.

This year you can score a rare recession-induced break on your energy bill: The combination of a weak economy and a production boom has dropped the cost of heating with natural gas to a six-year low and is keeping a lid on other heat sources as well. But you can still save more. These questions will help you figure out the most cost-effective ways to keep out the cold. As the 10th anniversary of the bursting of the tech bubble is upon us, you've probably read a slew of stories about what an awful decade this has been for stocks. If your child skips college, is he entitled to the money you've saved for him? Money's ethicists weigh in.



President Obama has said he'd like to lower the tax load on families making less than $250,000 and to raise it on people who make more than that. Question: I'm 22 and want to get an early start on saving and investing for retirement, but I don't know where to begin. How do I start a retirement plan? --Jacklyne S., Kileen, Texas Last year it looked as if the era of the celebrity fund manager was finally, definitively over. The best and brightest had not only failed to avoid the financial meltdown but did worse than the market as a whole. Now some are staging a comeback.

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