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Spending a school fund

08.03.10

If your child skips college, is he entitled to the money you've saved for him? Money's ethicists weigh in.

Question: . My wife and I know we should have an emergency savings fund, but with one income we have nothing left to save after paying expenses. The iPhone is no longer the only touchscreen 'smart phone' in town. But are the challengers a better value? The FDIC protects against losses on bank accounts, but what happens to your investments if a mutual fund company collapses?



Question: I'm 25 and want to start investing in the stock market, but I'm unsure of how to do it. Any advice? --Kyle, Bentonville, Arkansas Question: What does the new stimulus package do for people receiving Social Security benefits? --Bonnie, St. Petersburg, Florida If you think you're immune to market panic, consider this experiment.

Health-care costs are pinching just about everyone. You feel it every time your co-pays and deductibles go up, and you feel it in your paycheck - rising employer premiums are leaving less money for salaries. Medicare is on its way to financial disaster within a decade. And 46 million Americans are without health insurance.

Get out your calendars, folks. It's time to celebrate -- or perhaps mourn -- the 10th anniversary of one of the epic financial events of our time: the peak of the great stock market bubble, in March 2000. That's the month the Nasdaq, Standard & Poor's 500, and Wilshire 5000 all reached new highs, then headed south, big-time. (The Dow industrials peaked that January, but who cares? It's just a crummy 30 stocks.) Lisa and Bruce Brown are fortunate enough to have plenty of assets to protect. Foremost of these is their children: The Browns are the proud parents of four-year-old Emma, and they have another baby on the way. The Oakland couple also have considerable assets of the financial variety. Thanks to diligent saving and smart property investments, the Browns have a net worth of nearly $2 million.

Is the daily indulgence of Starbucks and McDonald's coffee replaceable? High-flying shares of Green Mountain Coffee Roasters seem to indicate so. Happy new year and welcome to your new job. One that pays 30%, 50%, 70% less than your old one. Ira and Hope Moskowitz, both 44, have lived within a 10-mile radius of Philadelphia their whole lives. City kids, they met in junior high, got married in Philly in 1989, and settled in nearby Cherry Hill, N.J., where Hope manages a hair salon and Ira headed up software administration for a mortgage-servicing firm.



If President Obama has his way, health care reform will be finalized this year. Key Senate and House committees are planning to mark up legislation in June, and the House is aiming to vote on the issue by August. 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: In your article in the January issue of Money, you recommend buying total market index ETFs. But I don't find being able to trade ETFs like stocks throughout the day to be an advantage for me. For example, if I buy the Vanguard Total Stock Market ETF I will have to pay commission when I buy and sell, whereas I can buy their Total Stock Index mutual fund with no fee. I don't understand why ETFs are better than mutual funds.

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