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The secret lives of America's debtors

08.03.10

Americans are loaded up with credit card debt. What's worse is that some husbands, wives and even children hide those money woes from their families. The results are often devastating.

As the summer flying season begins, some analysts are getting bullish on airlines with healthy balance sheets like Continental Airlines. Jet fuel prices have declined by more than half from the same time last year -- when the company lost $585 million -- and some say the 51% drop in its stock this year is an overcorrection. With proper care, a good watch lasts virtually forever. But you don't need to spend a bundle to own one. Question: I'm 36 and have saved only about $20,000 for retirement. How much per year should I try to save for the next 30 years to assure I'll have a reasonable retirement? --Beth, Grove City, Ohio



Question: I'm in my 30's and have a 401(k) from a previous job, 75% of which is invested in a variety of stock portfolios. Although my stock holdings have recovered a bit recently, I'm still down about $7,000 from my peak balance. I'm planning to roll over this old 401(k) into either the 401(k) at my new job or into an IRA account, but I'm wondering whether I should do the rollover now while stocks are still cheap or wait until the market has recovered and then do it. What do think? --Todd Gerecke, Lynden, Washington Media stocks are among the most beaten-down issues in today's market, but if you look past a battered share price to other fundamentals, some analysts say there are bargains to be had. As credit card companies continue raising rates and fees, lawmakers are considering bills to stop such hikes until new credit card laws take effect.

If you were under billed, it's the other party's responsibility to pay up, not yours, according to Money's ethicists.

Question: I believe that along with a recession comes a great opportunity to invest and make significant long-term gains. I'm under 30, I contribute to my 401(k) plan and I'm willing to take risks. What are my best options in today's market? --Lyle, Fort Lauderdale, Florida 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.)

There are those rare moments in business when a technology goes from being cutting edge to being an indispensable part of everyday life. Your 401(k) may have returned to pre-crash levels. But just treading water won't power you to a comfortable retirement. These four moves will. 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



Select from our sampling of the largest passive portfolios that track either U.S., foreign, or specialty markets. Kevin O'Leary struggled with a mid-career crisis. After more than a decade producing TV ads, he wanted out. But what next? Question: I'm 48 years old and have about 90% of my 401(k) invested in my company's stock and the rest in an international equity fund. I want to diversify further, but don't know where to turn. Any suggestions? --J.D., Glenville, New York

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