What do you want to learn about in the last 2 months of 2009?

[makeda828]

Ramit thanks so much for your knowledge and wisdom.

[brukee1]

I am looking for help on creating a plan to pay off educational debt as soon as possible. Thanks.

[ropunzel]

Ideas on how to make more money.

[bgznkitties]

Best place for the IRA and how to then invest from there...?

Why does a financial advisor I know tell me Lifecycle is not the best, most tailor-made way to invest?

Term, Whole, Universal... yikes... what's what and what would be best for me?

[1985kristin]

I'm in the same boat as pathofthewise, I have over 100K in student loan debt from undergrad and grad school. It consists of both private and federal loans and I would like to know the best approach to paying down a substantial portion of this debt within a five year time frame.

[GreenbeingNancy]

I am from an era where phrases like Waste not, want not, A penny saved is a penny earned, A stitch in time saves nine. are often used by my parents. These don't work on my children anymore as they are pushed by peer pressure to own the next best thing their friends currently own.

So, is there a solution to this financially draining dilemma that I am sure many doting parents of today are facing?

[AjuneauK]

Please help me find the perfect bank. I would like a bank that combines mint and ING sub-accounts. For example, if I spend $60 a month on gas (I have predefined what group vendors belong), when my credit card is due at the end of the month $60 is withdrawn from my gas hedge fund.

[pathofthewise]

im about to graduate from law school with a mountain of student loan debt and i would like to learn about balancing paying off the $120,000 in loans (my goal is to get them paid off in 2 years) and saving for retirement. i have no other debt. i will be able to continue contributing to my roth ira for 1 year after i graduate, maybe 2, and then my income will be too high. help out a fellow stanford alum please! =) Thanks!

[tsunamiwolf]

hi Ramit. this year i tried your automation technique which worked so well until i forgot about large one time payment and ran into overdraft. i however then used your negotiation technique and got my bank to waive the overdraft fee :) so thanks a lot. what i'd like to learn is if i had a monthly spending budget of x which slowly ballooned to y, how can i organise myself to go back to x? thanks.

[brandonmoyles]

I agree with yo20902...Can you put something together on kicking off a start up. Knowing when to jump?

[dante60093]

How to safely maximize tax free return on a sizeable nest egg ($1 Million) without going to a financial planner or investment adviser. Tax free money market accounts are yielding nearly zero currently.

[yo20902]

How to start, maintain, and successful run a startup.

[k8auker]

I've read the book, made the changes and transfers in my accounts. I've paid off my debt (just got student loans left) cleaned up my credit score and talked down my rates on my cards. I'm now planning on purchasing a franchise and running my own business. I'd like to see a primmer on what to get in place to get started in 2010 right!

[JeannePaints]

I need to learn how to automate my money/bills, to shorten my bill-paying time AND to figure out a good system so that I have my records handy at tax time.

Another urgent goal is to fix my debt and learn how to spend less than I earn.

[Benvenutti66]

I need to pay off My Credit Cards. I've never been late on one single payment and they tripled my rate claiming "Current Economic Climate" as the reasom. WTF!!!! My other card dropped my limit just above my balance and slightly increased my rate. Again WTF!!! Help Ramit. How do I handle this? BTW I Owe Over 10K on both cards. Ouch...that hurts just to say it.

[Benvenutti66]

Thats over 10K on EACH card. Not Combined.

[taliacohen]

I'd like to know how to set myself up to make more money in 2010, so that I can comfortably cover my expenses (mortgage, student loan, etc.), save adequately, and still have some fun.

[davidw519]

I'd like to know the quickest way to find a good term life insurance plan. I don't want to spend oodles of time going over all the various possibilities - I just want one that will work for me and my family.

[david22202]

Ramit,

I've got 20K in a 401K with a former employer. Should I go with a standard IRA rollover or take the tax hit now and convert it into a ROTH to avoid taxes in the future?

What kind of research can I do to become a better investor when managing my IRA?

Thank you!

David

[marialaskar]

Ramit,

How about stratagy for moving between foreign accounts and US? Canada and the US is the big problem for me. I make US dollars, and barely enough, and need to pay Canadian bills. Most CDN utils and such do not take US credit cards!

[lkcheat]

paying of cc debt!

[xcelwealth]

Be focussed when planning. I believe in "Planning-as-you-go" That we you can easily adapt to changes and trends.