ANSWERS TO YOUR EVERYDAY MONEY QUESTIONS

The author has been advising families (radio: ""finance forum courses"") for thirty years on getting and spending patterns and this is for middle income people who want their golden age to mean more than their Social Security stipend. Most of her overall guidance is acceptable on analyzing your assets, itemizing your expenses, credit (when justified -- what type), insurance, savings, investments (mutual funds), home ownership, etc. On details you may wonder: just what have you saved at that coin-operated cleancrette; and what about that money-making part-time job sending in neighborhood news to your local newspaper? This seems naive but then this is only for your untutored $pender$.