Crissy activists were betting that a big turnout might help them that's Fox's Jonathan Hunt in Hong Kong America is listening to Fox News. Page Sean Hannity if you're not watching Hannity right now you should be this is a critical moment for the president and for you America needs to know what's really going on to Washington and I will give you a take you will get nowhere else on Hannity weeknights at 9 on the Fox News Channel or celebrating American patriots on Fox they should live streaming service that celebrates America want to sign up Fox station dot com celebrate America every day with exclusive shows and documentaries you won't find anywhere else. I'm Maria Bartiromo from Fox Business My parents lived the American dream my father cooked in his restaurant I was the Culture column today I'm still working the hardest I've ever worked giving my viewers every tool I can to help them succeed I'm Stuart Varney from Fox Business my husband's best friend traveling the world about. An ending all right here in America Terry good if that's true actually Fox Business invested in. New details about what a Democratic run for president by billionaire Michael Bloomberg might look like a senior adviser to the former New York City mayor says Bloomberg won't accept political donations if he runs and he won't take a salary if he wins Bloomberg has already reserved tens of millions of dollars in television ads that are scheduled to start running tomorrow across several primary states former New York City Mayor Michael Bloomberg filed separate papers to run for president earlier this week he's also spending $31000000.00 on just one week t.v. Ads that's Fox's Allison Barber a blast at an ice cream factory is under investigation and Kentucky 4 employees are injured following Friday night's explosion at a Dippin Dots factory in the western Kentucky city of Paducah one of the victims has since been released from a nearby hospital a dipping dots vice president is calling for a structural engineer to investigate the extent of the damage is still. Unclear and there's no word on what caused the blast dipping dots or pellets of ice cream invented in the 1980 s. Tom Graham Fox News from the freezer case to the produce section another scare surrounding salad greens u.s. Food and Drug Administration investigating another eco lie out break that has sickened at least 40 people in several states this one involving romaine lettuce grown in Salinas California there have been several food poisoning outbreaks tied to Romaine in the last year including one right before last Thanksgiving that's Fox's Kevin battle the warning applies to all types of romaine grown in that region including precut salad mixes upon arriving in Japan Pope Francis denounced the evil of nuclear weapons the pope plans to visit Nagasaki and Hiroshima and appeal for total nuclear disarmament on Monday he'll meet with survivors of the Fukushima nuclear disaster camp who sell Fox News. It's Black Friday all month long here at Lam Chevrolet polo this is at last we have a special allotment of 7 brand new 200-1000 so rattle double cabs and each one is stacked with massive rebates take your pick and drive off and any one of these Silverado for just 279 it's like buying a new truck for the price of a used truck these are nicely equips over Otto's with cruise control remote keyless entry x. Am radio 20 inch wheels and a 5.3 liter v.a. This will be a great time for a business to add a couple new trucks your work week especially with the Section 179 tax deduction on these new trucks we also have 0 percent for 72 months on 17 different 200-1000 models locking in interest repayments for 6 years is a great way to work down any negative equity that you might have in your trade because 100 percent of your payment goes towards lowering your pay off every month you can find her Black Friday specials now at Lam Chevrolet dot com when Chevrolet we're here to serve Chevrolet find new roads. It's the weekend and do have financial questions that need answering that can only mean one thing it's time for jail on money the show that takes the mystery out of your finances here's your host Jill Schlesinger. Righty it's time to get busy managing your financial life I'm Jill Slesin Ger this is Jill on money Mark to layer c.e.o. Running the show the newly branded c.f.p. But you can't say see if can I say it or not my lad to say that you're a c.f.p. Professional yet or not. Are technically he's not technically he passed the exam which is amazing. But we're not this c.f.p. Board has very interesting rules about the way you can use what they call the mark . But anyway that's Mark he's running the show and he's now passed the c.f.p. Exam and he's amazing There we go you are listening to this program because you want to take the mystery out of your financial life we are starting the show broadcasting live from the Capital One studios Capital One what's in your wallet and I figure mark this may be the last show when people are really paying attention to what's going on in their financial lives she think we're going to lose them or is there a sweet spot in between Thanksgiving and Christmas maybe it's so essentially we have this show and maybe one more where we're going to do some year end planning with our old pal Michael Goodman and presuming that we capture your attention for those you might be better off in your financial life if you have a question all you have to do is send us an e-mail asking Jill on money dot com ask Jill at Jill on money dot com That is our e-mail address you can always go to the website Jill on money dot com And there we've got a little contact button it's in the upper right hand corner so easy now here is a very simple way to get your holiday shopping done mark here comes the shameless plug I probably need some music for this I'm not sure what the cue the cue the music wit is which is the shameless plug How about just buying my book the dumb things smart people do with their money 13 ways to write your financial wrongs what a good present for the holidays people get the new year started off on the right foot All right that's enough of that we start the show with a caller and today we are going to Molly in the Bay Area Hi Molly Hi Thanks for having me on I wrote in about one question and I actually decided I may have a different question to ask all right sure which one half you go do both girl let's go. Oh night often Ok so my 1st one is about 41 k. Rollovers. I always thought that you should just you know I recently got a new job and so now I have to live with my old for one k. And from my previous job and roll it over somewhere and I just assume that I should roll it over to my new one I was wondering what your thoughts are going over to my current job or something else where is the current jobs for a one k. What investment management firm has at. The lodging seriously goalie Ah right I think I have a target. How much money we're talking about Mali in my old one. Maybe 20000 you know what if it's fidelity it's a pretty cheap option and so that's completely a reasonable choice and if you just want to kind of keep it clean and consolidate accounts make it easy for yourself there's no problem using the fidelity The new for a one k. Through Fidelity and it might even just be easier in general so I don't think that that's a problem how long have you been at your new job. Like 3 months Ok so there's not much money in there yet so yeah I think that that's completely perfect that's one way to kind of keep things simple I don't see any problem with that Ok cool yeah I make then. Think that question all right what's the next extra question what's my extra credit so yeah bonus question. I now work for a public company I never worked for public company before and as an employee stock I am program where we get like 15 percent off stock the can that's all the complicated but you get a 15 percent you get a 15 percent discount to the market price and then you have to hold it for a certain period of time and it seems like a great deal right every 6 months you can buy and so you have to allocate a percentage of your post. Salary to appear I think 15 percent and they hold that for 6 months and then they buy the stock afterwards that's the lowest price if the stock was 6 6 months and you get 15 percent on that Ok Well a couple of things that we would want to sort of generally consider number one how much money do you have in your emergency reserve fund Have you got 6 to 12 months of your expenses socked away. This is one of the things that I want to work on I am getting close to that Ok close is good to have I have you know more cash flow so in the cumulating we're saving Ok so I think that before we start buying stock what I would say is make sure you've got that emergency reserve fund do you have debt that is outstanding meaning credit card auto or student loan. Ok 3 so what percentage are you putting into your 4 a one k. Right now. I put 8 percent of my income in and it matched like so it's as if I'm putting in 10 or 11 percent I think Ok here's my here is my bonus question response you ready. I think that hold off on doing the stock get yourself that emergency reserve fund beefed up and then how would you say you were did you say you're how old are you. And 27 you're so young and audibility young ahead of rule what oh as I was just saying to Mark I don't want my 20 something brain but I wouldn't mind my 20 something body Ok so what I would say is get that emergency reserve fund and then how about if you since your cash flow is good once you get the emergency reserve fund bump up your 4 a one k. Put 15 percent away basically double what you're doing right now I really want you to max out how much you are earning right now. 70 and with. Bonuses are simply gave 80 great Ok Perfect get me to get to 15 percent if you have to do it in steps get the emergency reserve fund beefed up and then go from 8 to 12 percent and then go from 12 to 15 percent and once you have that let me know because then I actually would want to see whether you have other needs like are you thinking about like hey I really would like to buy a house I don't want you to buy the stock unless you basically are like I don't know what else to do with all this money I have Ok now as we go into the break a few things that you can think about I already plugged the book on the way in but I'll be plugging at the rest of the show because I do think it's a good book for the holiday season but if you want to do something with maybe a little bit less of a commitment financially or monetary Allee why not go to our website it's called Jill on money dot com And there you can sign up for our free weekly newsletter Ok you can also buy the book there you can also subscribe to our pod cast it is coincidentally named Jill on money and you can get it anywhere you find your favorite podcast that might be Apple or stitcher or Radio dot com or Google Play Jill on money it's our sister broadcast the podcast a little different than the radio show you might want to check it out Ok When we return more of your questions will be right back. Ready to create your own income with your own home based business where there's no such thing as getting laid off if a billionaire entrepreneur spent 5 years and $20000000.00 searching for the next big trend wouldn't you want to know what. He found if you're serious about making money from home without having to leave home then write this down w w w dot go here next dot com You decide your income get the facts now go here next dot com doors are being slammed in your face and bad credit is holding you back raced credit has dedicated over 40 years to helping everyone get a 750 credit score tax liens judgments and even late pays can be removed from your personal credit report $99.00 can get you started race credit will personally rebuild your credit to a $750.00 and build you all the credit you need guaranteed or your money back and a 1000 dollar visa when you complete the program raise credit will give you what you want call raise credit call 805435772 that's 805435772 call now. 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Insurance I invite you to call myself or my staff or your personalized review and quotation at 445-8720 that's 928-445-8720 Hi this is Jim lamb or similar missions jury I maintained a jury industry accolades a certified Jamaal of just appraiser graduate Sam ologist from the Gemological Institute of America and registered jeweler with the American gem society I have spent the past 47 years assembling a fabulous collection of unique and sometimes read James towns in jewelry for a jury shopping experience you won't want to miss stopping today at laminations jury at one o 5 north court tears in historic downtown present drugs are killing our kids and we need to get them off the street I'm damn beggarly with automatics in press kit we have a problem friends drugs are killing our children and tearing families apart overdoses of reached an all time high in Arizona I have joined in to raise money for the sheriff canine unit to help keep drugs off the streets more canine units more arrests equal less drugs and save lives please do your part donate today to the sheriff's department canine unit at 225 East Gurley 86301 thank you. Dr Killen money where Jules lesson sure helps you take the mystery out of your finances. Your bag it's Jill on money and you know it's free Thanksgiving madness so there's something to keep in mind. I should note that a lot of people are coming in under this deadline we have the Medicare open enrollment which is going on until December 7th when the Affordable Care Act in Roman clothes Mark I think it's soon and I bring this up because I did get a message from a friend of mine who finds out this sort of shady she finds out that the company that she hired her changed the rules on who gets health insurance and they've changed it as of now and maybe they announced it I guess they had to announce it in time for people to scramble anyway December 15th i.c.m. That is not as dumb as I thought anyway so she went on shopping for the Affordable Care Act She went for coverage and she looked at all the plans called an insurance agent Mark do you know how much money for a family of 5 the coverage that she was asking for have a guess per year so he thinks 16 grand the best price she got was $21.00 grand the highest price was $24.00 grand I mean this is what we have got to fix this system he can have and also he can really have like 3 young kids and say oh I'm going to go for crappy health insurance coverage just can't anyway completely screws up their whole outlook for their financial lives and unfortunately I had to give this advice and you can put as much money into your retirement plan you've got to pay for this health insurance. Of course my other message was get out there and hustle since she and her husband are both self-employed or get a job that has insurance it just shows you that that insurance is so valuable and you only realize it when you don't have it all right let's go take a call or Next up we've got Kristin She's calling from Portland Oregon tell me what I can do for you Kristen Sherry thank you Bill I am calling because I currently live in a condo and my h. Oases recently increased pretty substantially there are now about 6. That seem fairly high because we all have to pay for all of our special effects and things like that. And this is especially needing me because I'm doing some career planning as well so I know my Chris pretty long I'm in the front half of it and I'm pretty happy working a corporate job but as I look at the back half of my career I'm trying to take a less stressful potentially nonprofit role. Which will come of the lower salaries so I want to go into that in a really good place. Cashflow perspective and I really want to be that way going in and so as I think about that and the fact that my feet aren't paying down any debt or building equity it starts to feel like a pretty high share my take on that goes towards housing right and also my current mortgage is completely paid off I'm done. How are you how Leo I'm I'm 30 how could you have it I can't believe it that's amazing so your condo is a year 30 you married or single I marry Ok do you guys own this jointly or is this in your name it's in my day I had a feeling someone is 30 years old his very directed how much is the condo worth would you guess it's worth about 450 Ok so the homeowners. Stuff that's going up it's a little bit of a drag kids are no kids no kids and undetermined if we're going to do it in the future Ok so let's say that you wanted to blow out of the condo and because you know I know homeowners associations It's like co-ops also like you know that it also has like this level of like annoyance factor and there's in ease but there's also with that an annoyance and they dictate some stuff what if you were to buy a single family detached home could you find something for $450.00 or would you be spending more than that. So if we were to buy a family that has shown I think we have to pick up if we pull the condo we don't have a mortgage of about 32500000 well away and how much you have to spend the ad spend a 1000000 bucks or something. Help me close to 800 Ok All right so you know I guess I have how Ok how much do you guys earn to gather all let me just have one of the question how old your husband you've been a 30 this well Ok early thirty's and does he own any real estate in self no real day and also he doesn't have any that either oh you married well perfect together about how much you earn we earning probably between 350 and 4 Ok And when you say you know I'm willing to kind of plug away and be in my corporate job what does that look like in terms of a time horizon for you probably had Ok so you hate debt I get that. I actually like it all good. So I don't I don't have any problem with that but I'm trying to do like lunch or play I understand and I imagine with 350 or 400 grand in earnings you're both putting money into retirement accounts now or both maxing our 41 k. Them and contributing after taxes Ok great how much money do you guys have in let's let's call it you know told all retirement savings for the 2 of you but saying quote to 500 that's awesome you guys her 2 ingrate non retirement savings. Probably 200 Ok great Do you think that both you and your husband would be taking a step back or are you really saying on the one I'm going to work really hard and want to really move into nonprofit land maybe earn half as much do you think he would want to do a similar kind of a career only you guys I love this is the total this is fire this is financial independence retire early not retiring early I know but it's about all of the options that are available to you so great. A good like fires me up to see a new generation like this it really does so do you think that if you if you did not have kids and you said that's a question mark right now is the space that you have in this condo something that you're happy with. Yeah totally adequate but I joined it and other like this additional thing where there's. Oh it's totally quiet in your heart of hearts do you feel like you want to move. I mean because I want to say that because I know I mean $650.00 a month is a drag but you know what you're going to have taxes and upkeep and upkeep and a house in a real single family detached house is a drag but also and there are certain things that you have to just suck up when it's your house that the condo association fees are doing for you I guess what I'm trying to kind of uncover here is do you really want to house because if you do you can afford it and you should do it and if you don't then stop fretting about these fees because you're probably to spend way more than that on a house Ok Ok that's helpful though to look at it as an idea if we want to move to it yeah and we should be fine either way yeah and you know what having I think having a 30 year fixed rate mortgage getting that mortgage you be able to use that mortgage interest deduction I know it's capped but you know you're underneath the mortgage limit amount and I think that you're going to be in just fine shape either way don't be in such a rush to pay down a mortgage it's good debt to have but if you really do feel like hey I want to have better options soon or Clearly the condo because you're not going to have to eat up those extra expenses you'll just you'll start to rack up the money a lot faster in your non retirement assets if you have a condo rather than the house so it's richer right so if that's really the are long term game plan then I absolutely think you're in you're in great shape but if you're like I hate this condo and I hate my neighbors and I want my own yard and I'd That's important to me think. All right a little bit yeah like that fantastic goat and you will and you'll let me know how things go if you buy has sent us a picture Ok we will get back to your calls in just a sec and during the break why don't you do this want to follow us on social Twitter Instagram Facebook You Tube The handle is at Jill on money and you know you probably want to go on to my Facebook page and wish me a Happy birthday is coming up all right Jill on money We'll be right back. So what would you do with an extra $500.00 a month in your budget $500.00 this is a hypothetical by the way this is something you may need to think about very soon if you decide to become a member of medicine where medicine has a way to pay for your health care and typically cost $500.00 less per month for a family versus other health care plan so seriously think about this you could pay off loans paid on a mortgage save the money for retirement donate to charity that would be a big deal but you know why here's the best thing matter sure works it's a Christian health care sharing ministry with 400000 members they've shared over 2000000000 and medical bills so they can help share your needs to and with Medicare not only do you save not to pay for things you don't believe in and that's a beautiful thing too so here's how you can find out more and you might actually wind up saving even more than $500.00 a month so check into it $86688.00 Bible that's 86688 Bible 86688. Order up and here's you double how to plan your bacon cheeseburger man that will be $7.00 you go buy 6 year. Ok and you change for 6 years but now I do. I gave you $7.00 I'm giving you $7.00 but I just gave you 7 and I'm giving you back 7 Don't oh it's like the Arizona state tax credit program like when I give a gift to you have a pipe exceptional industries the state of Arizona gives it back to me dollar for dollar in an Arizona tax credit yeah man and look at your receipts wow yeah this dude just gets better. Exceptional industry why eat i Works dot com donate now for 450991 the tour is going to make your day a man how about a side of fries with that white I worked 43 years in the Central Highlands and there is a. Tradition is a big part of the holiday season and here at Prescott brewing company we take pride in our traditions like the brewing of our Christmas City El and international award winning beer through with all of those wonderful holiday spices He sure is stopping the soon so you don't miss out each year our Brewers brew more of it and each year you folks out there drink more of it Well folks we're halfway through November and just as I promise we have 2 new sausage entrees for you to try this month we 3 were serving our own homemade Italian sausage served on all dented routinely pasta with p.v.c. Housemaids spinach pesticide parmesan cheese and serve for catch your bread points in for the last week in November indulge yourself in a specialty jumble a recipe filled with and duly and such it shrimp This is served atop a bit of white rice and served with garlic each entree is only 1399 deploying company in the heart of downtown press a locally owned by original founders since 1904 Cheers to 25 years. When you smile like the way your teeth look are you wearing loose worn or ill fitting dentures are you missing teeth you would like to replace or are you just long overdue for that dental visit at advanced dental center we can help I am Dr David Edwards and I am truly privileged to have located my practice and beautiful Prescott Arizona. For over 18 years it has been my passion and pleasure to give people back their smile at advanced dental center we have years of clinical experience placing dental implants replacing dentures and creating beautiful smiles we have the latest technology including lasers 3 d. Imaging and a Citrix system which allows us to make rounds in a single visit don't like going to the dentist in our office we can help even the most anxious of patients feel comfortable our friendly courteous staff will put you would ease I'm confident we can help you with all of your dental needs for r k y c a listeners' we are offering a free consultation for dentures or implants call advanced dental center today 928-778-0970 or visit us online at Prescott dental dot com That's Prescot dental dot com Free talk live is talk radio you can take control of listen Monday's at 12 am on the news 1490. Welcome back to deal on money where Jules lessons are takes the mystery out of your finances it's your back it's jail on money. That's going on in your financial life need some help need a little boost We'd love to hear from you send us an e-mail ask Jill at Jill on money dot com. Ok I love when we get comments about the. Shows that we produce on and on our sister podcast Jill on money we had a great. Episode with Chris Guillebeau who wrote a book called 100 side hustles and Robert followed up and said this subject matter really hits home with me years back I think the side hustle terminology was actually moonlighting Oh yeah for example people would leave their 9 to 5 corporate jobs and go directly to work at some small business or retail shop in the evenings a couple days a week or during the holidays in my case the side house looking kind of naturally growing up in the sixty's and seventy's in the Houston area I was a precaution player drummer and played many shows and gigs. Around town when it came time to get serious and make a real living he puts it in quotes as my parents would lecture me I ended up getting an accounting degree and my c.p.a. Wow and then went to work for a major c.p.a. Firm and finally one of the super major oil and gas companies I retired 4 years ago after 32 years during my business career career I wanted to continue playing music and I'd been playing seriously since early elementary school it would just be very difficult to walk away from it so I love this I continued accepting music jobs that was careful not to let them interfere with my accounting and c.p.a. Work it really did work I can't tell you how many times I had to go directly to the music venue a country club a hotel theater from my corporate work change into my tux and get ready to play to get by 7 pm It was all worth it not only financially but now that I'm retired from the corporate world I can continue playing music to make a little golf money and enjoy hanging out with all my musician friends but wait I had another side hustle being an accountant c.p.a. Mostly specialized in tax compliance and planning so of course I accepted a few individual clients over the years I was busy during tax prep season doing most of the work on Saturdays and Sundays again never interfering with my corporate work music and accounting is a great combination of professions What did I do with the extra shekels I earned from my side hustles and moonlighting mainly was earmarked for savings and investment in getting my son through college and law school without any debt thanks for all the great work you and Mark do and the financial information you provide Robert from Houston. I love that that is so awesome it's so funny because I agree I think that there is a there's something about having like a separate part of your life that kind of is nothing to do with your real job your 9 to 5 job. I think it's so I don't know it's like it makes you happier in your job in some respects it's something of your own it's something that you can control I think that that's I mean it's like Key It really is so it doesn't mean you have to be an entrepreneur doesn't mean you have to do a ton of other stuff that's going to make you crazy just for fun sometimes in a little extra money it's pretty good not that. Ok this is a note from Linda how her husband passed away in June and she said she filed for his Social Security it's now the fall is still nothing ha we both took our Social Security at age 62 I should be receiving his Social Security. She said that she went to the office she called Can you direct me to a lawyer yeah I know you think about this one Mark I don't know if you need a lawyer I think you're right have to go plant yourself in the office and you should do it with a friend to it by yourself just because it sounds like you're really at with your wits and you know we don't make great decisions when we're at our wits and I really think you have to go and Christine works for u.p.s. As a trailer mechanic recently divorced 53 No kids no home that she wants she says the retirement options have changed we're now going to have to wait until we're $65.00 so no more 30 years and out the option I'm faced with is to take retirement at age 55 at a 4.8 percent hit until $65.00 I qualify for health insurance then you get your own pension. Ok having a hard time. I don't know if you need a financial advisor I think that what you really I don't understand why you wouldn't just keep working that's that's the question. I think that there is something about working later with a tax that's actually no this is a really tough one I think what you need is probably an accountant who can help you and pay by the hour and to help make this decision or a fee only financial advisor to help you with this question so I would go to napfa an a p f a dot org That is where I would turn to try to find someone in your area or a c.p.a. Probably could also do this or any kind of tax preparer could probably help you out Ok here's a question from someone whose name I cannot possibly pronounce so I'm just going to say Anonymous My wife and I plan to retire soon. Retire at the end of the year at $62.00 and a half our retire a month later at age 64 we have pensions and we are qualified for Social Security which we plan on initiating when we retire why can't you wait we'd rather you wait until your full retirement age this Ok so let me just say. They've got 600 grand in retirement accounts they have assets their health they we always live within our means but they do have a home equity loan. She and then he says I calculated that if we start collecting Social Security immediately our breakeven point would be around $79.00 if we decided to wait until our retirement age. Ok here's my big suggestion to you my suggestion is do not take your Social Security until you are each at your full retirement ages don't do it. And my I think that you really should be pulling out money you need from whatever you need when to hopefully it's already been taxed you know if you have some money that is in a non retirement account but I think you should wait until you are at full retirement age to pull your Social Security and in terms of your portfolio 40 percent stocks 30 percent bonds 30 percent cash probably to have in cash by the way but it wouldn't be terrible it's not terrible to leave it there but it's probably a little cash heavy from a specially for retirement account. Wait until you claim pretty please please. Listening to jail on money if you've got a financial question of any sort send us an e-mail ask General add Jill on money dot com We'll be right back. It's. It's. It's. It's. 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Do I invest here should I put my money there Jill Schlesinger can help you back to jail on money. Back it's jail on money if you've got a financial question I would love to hear from you all you have to do send us an e-mail ask Jill at Jill on money dot com so I write a column for The Tribune Company which I now think is called trunk maybe it you see me in your local newspaper sometimes I get a lot of e-mails about them so Ok so I've been writing and talking a lot we've been talking a lot about college and college financing so here is a note from Tom who says your article spoke to me I'm right in the rough spot between earning too much to get financial aid a little over $200000.00 per year but not enough to comfortably pay for. College out of current income beyond this my income was much lower during my Chu daughter's growing up years so despite frugal living it was not feasible to set aside the kind of money I would need Suffice to say our home equity line of credit has not gone under used one developing phenomenon you should be aware of is that few of my younger daughter's friends currently seniors in high school have said that their parents plan to have them take on all of the student loans they can regardless of need in the belief that in the current cultural moment it is a near certainty that those loans will be eventually forgiven or wiped out without consequences ha. I must confess this approach crossed my mind as well it almost feels like free college is already here defacto if this catches on it will of course become a self-fulfilling prophecy as the amounts of student debt will accelerate even more than has already been the case can only imagine the economic consequences I wonder if you've heard of others taking this approach Well I haven't heard of that I mean I know of cases like that but here's my fear about any of these projections it could be that some college debt is wiped out but it could be the same thing it could be based on income so wouldn't that be a shame if you took on debt and it was based on income and it wasn't actually relieved and wouldn't it be a shame if you bet on something that never came to fruition only to saddle yourself or your kids with debt so I'd be careful. Matt says I should write a follow up article about parents influencing kids to avoid out of state high cost for basic undergraduate degrees Matt goes on and says many of our friends lost control of educating or influencing their kids to make the right decision to control the cost why go out of state to spend over $250000.00 a year I'm sorry to spend $250000.00 total for a degree when you can get an in-state diploma for under 80 grand then they have to cry about trying to have the government write off their debt as they drive away in their b.m.w. Has a follow up article. Done by b.m.w. With tons of maintenance unthinkably sorry. It's tough I get it you know I think that there are again more and more at the more questions that come in around college the more I am absolutely convinced that having the conversation is really the important part having that conversation is really critical Debbie writes Hey thank you for this morning's reminder to complete the new fafsa form I forgot last year I missed the opportunity to apply for grants and scholarships for my son who's a role that you may ask Boston I appreciate your advice and tips warm regards Debbie Debbie I'm so glad you got the I love that I like to just make a timely timely timely Ok here's a question that is from. Sun I want your opinion on whether it's a good time to purchase a home or not my wife and I were able to save up 20 percent for a $650000.00 home now that being said we've got 20 grand in car loans and miscellaneous credit card debt. She passed our debt or keep as is he think we should invest our liquid cash into our 1st home we make about 250 grand a year how could you make 250 grand a year and have credit card debt here's what I think you should do 1st things 1st. Pay off the credit card debt that's number one number 2 you need to have an emergency reserve fund so that emergency reserve fund means that you're going to have somewhere in the neighborhood of 6 to 12 months of living expenses in the bank safe or money market then you need to really figure out whether it's time for you guys to buy a home or not it may not be I mean if you've got all that money that's in cash and you know it seems to me that you want to be a credit card it's different debt free probably auto loan debt free and then really determine is it something you need to do your rent is $2500.00 a month is that home going to cost you a lot more are you sure you want to stay there and have some more information but run the numbers Mark will we still have the New York Times rent versus buy calculator on the jail on Money Web site don't wait so want to do that go to the chillun Money dot com website and there you know we have a nice beautiful resource section click on resources and you can then look at the buy versus rent calculator it's great easy. How much time how much time how much time. Under one it's Ok I can do it Kathleen says we want to read more gauge to a lower interest rate get money for remodelling a mortgage broker which we do hey you know if you can interview some mortgage brokers you can look on line just be very careful why Nabi don't even don't shorten your term maybe you want to keep the term just as it is to give yourself a little bit of breathing room just in case something bad happens that's something that's can be helpful don't don't box yourself that you are listening to chill on Monday go to that website Jill on money dot com and you can sign up for our free weekly newsletter is that fun it's frankly frequently free and weekly All right will be right back. Are you more than $10000.00 in debt feel like you're on a never ending treadmill staying in one place and never getting ahead with those minimum payments you feel like there's no way out don't let the credit card companies bully you anymore there are programs in place to help you get free of your debt and you don't have to pay the entire amount you owe the program had total financial freedom can help you get debt free and months instead of decades get off the debt treadmill and stop the harassment get free of credit card debt signature loans department store cards Internet loans and medical bills call now at 808-998-9200 extension 24 free information for about 10 years total financial freedom has helped thousands there a plus rated by the Better Business Bureau to get off the endless cycle without having to declare bankruptcy you'll have the right to settle your debt for a mere fraction of what you owe call total financial now at 808-998-9200 extension 2 that's 808998922 is your friend Sean Hannity here you know investing in real estate around this great country some. And I take very seriously but one thing I've learned over the years is details in real estate mean serious dollars There's only one agent I trust and I'm talking about Travis pards legacy real estate with Keller Williams northern Arizona so what's your advice on selling a home right now after 20 years as a real estate professional I have never seen a time when it was more important to hire an agent with experience industry leading tools and systems and a proven track record so what does that mean for sellers it means your home is priced properly marketed aggressively and you are represented by a seasoned professional who negotiates on your behalf protect your investment and gets your deal closed All right thanks so much look the only more expensive then hire an expert is hiring an amateur don't trust your home to just anyone and I've done the homework talk to the agent that I trust for the best advice call now 928-458-7001 line travels bar dot com Do you think all water is the same do you think clean water matters to your health my husband is 75 no ills no pills he has all his original parts and they all work and he's a remodelling contractor still working by choice every day we've been drinking clean water for 20 years and believe me it matters many folks are not sick their toxic taxes build up in our system and can contribute to many health issues toxins cause our bodies to work harder than they were designed to I'm Vicki Johnston owner of the h. 2 health store we have a solution for every home from small countertop units to whole house systems are a whole home systems are customized for your water one size doesn't fit all when it comes to water come by age 2 will health and try a water for free for 30 days call 8 still have 928-899-7504 your healthy water place and so much more we have so much to be thankful for Hi I'm Lisa Bennett Brant with Bennett oil company here to express gratitude for the wonder. Full press kit community we live in the loyal customers that we have the pleasure to serve and for family in 1938 grandpa and grandma started a legacy that continues through 4 generations and today with more than 60 employees we sincerely thank you and wish you a blessed Thanksgiving holiday with those you love help around the house is just around the corner at the store with outstanding bargains at the most press contribute this is Suzanne spring or start your holiday decorating No it's easy with Ellie daylight reels choose from cool white or white or multicolor just under 50 feet long a great deal at $1499.00 with your true value rewards card be sure to stock up on Duracell batteries just $1499.00 for a 12 pack of double a or AAA alkaline batteries at Presque a true value we believe behind every project is a true value 846 Miller belly road in Prescot. Your back gets Jill on money and we are broadcasting live from the Capital One studios Capital One what's in your wallet if you've got a financial question just shoot us an e-mail ask Jill a jill on money dot com Ok Nelson writes When I retired I instructed my pension fund to set aside $300.00 a month of my pension from my spouse so sometimes that's a joint in half I don't know what percentage that is but it's a it's a way to create a pension benefit for you and a spouse Ok my wife and I decided we wanted to stop this and have that money either absorbed back into my pension or transferred to a savings account we're told it has been locked in yeah that is true you've made a permanent pension election and you cannot change it sorry now there's no recourse you're done. Sorry about it Dee says I learned so much from you Jill you're my financial role model. To such I feel the weight of that on my shoulders I'd like your opinion on investing in a vanguard investment grade corporate bond fund I max out my retirement accounts for 3 b. And Roth in Vanguard target date accounts and have a one year emergency fund in an online said he's had earning 2.2 percent interest I've got another $40000.00 in the Vanguard Total Stock Market Index another $25.00 grand I won't need for at least 5 years and I'm considering investing this in a vanguard bond fund I don't know which one. Is bond investing a good choice for me. Ok 62 years old you know what I think the bond funds can be great I think that as always you or are already in the vanguard universe so there is a vanguard intermediate term bond index there's also a Vanguard Total Bond Market Index probably has a little bit more risk than the intermediate term. And I think that if you don't really need the money it's fine to just sort of put it out there let it be a in terms of the year you know what you're going to need this for it's probably just supplemental retirement just know that this is a taxable bond fund so you will need that. Is as information because whatever you invest in whatever comes out you can be taxed on that Ok All right hey we have a whole nother hour to go So stay tune it's Jill on money during the break hop on to our Web site Jill on money dot com bookmark it and then when you ever you have a question you can just go to the Web site and hit the context All right we'll have one more whole hour so stay tuned we'll be right back. Toyota signing is on the best a.p.r. The best least deals a of the best cashback incentives of the year they bargains more with and when Toyota press kit pays your city sales tax on any new Toyota you keep all the rebate you keep your love finance or a Bentley Toyota will pay your city sales tax on any the Toyota and make no payments for $90.00 days so I trim over $200.00 new Toyotas Browns our full inventory has been laid Toyota press kit dot com then come in Britain as drive when you take the keys will take care of your city sales tax and let you drive payment 3 till February 2020 you also get Toyota care a couple better remake that's playing with every new Toyota including roadside service for 2 years or 25000 miles Don't you wish everything was this easy rush to tell you about the absolute best time of the year to buy a new Toyota been like Toyota press kit and been late we had a press kit dot com Now open Sunday more McCoy And here's Phillips we had a press kit we are everybody's hometown dealer on a great credit must have had a license and. This is the news 1490 and one of 3.5 f.m. K y c a press kit and k 278. I did the right thing I'm pamphlet so Fox News that from President Trump's personal attorney Rudy Giuliani who tells Fox News exclusively he's not concerned about facing indictment over his actions in Ukraine I represented my client in a very very effective way I was so effective that I discovered a pattern of corruption at the Washington press has been covering up for 3 or 4 years Giuliani has been looking into the business dealings of Hunter Biden the son of former Vice President Joe Biden who sat on the board of a Ukrainian energy company I want people to save the document to the money $1.00 to $10000000.00 transaction that went to that went to hunt to buy it which in and of itself is a crime of money wonder how I've got the documents in my file nobody wants to look at them because everybody is covering up for the former vice president insists there was no wrongdoing articles of impeachment against President Trump stemming from a phone call he had with Ukraine's leader could be written up in the house and voted on by Christmas President Trump says after a week's worth of impeachment hearings there's no reason he should face impeachment in the house there should never be a breach with the president in a wide ranging interview on Fox and Friends that he welcomes a Senate trial suggesting he could attempt to call witnesses like former Vice President Joe Biden son and House Intelligence Committee chairman Adam Schiff Fox is Jarrett Halpern when it comes to defeating President Trump and 2020 former Iowa governor Tom Vilsack says Joe Biden can do it while appearing with Biden in Des Moines Vilsack said he believes Biden can heal a divided nation Biden who was the early favorite ahead of the Iowa caucuses now trails Pede British National is of with Warren in recent polls unveiled in Texas a memorial to the 22 people shot and killed at a wall.