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When it comes to debt, student loans and credit cards can be detrimental to the financial success of young adults. The devastating mistakes students make in college can haunt them for years and keep them from stepping into the next phase of life with...

Dear Dave, Our son is 13, and he wants to give half the money he received for his birthday to the nursery at our church. They need new baby toys and things like that. Should we let him give that much, or should we tell him that maybe 25 per cent is e...

Dear Dave, I’d like to get involved in real estate investing, but I don’t have a lot of cash at present. What do you think of the idea of crowdfunding as a way to invest in real estate? — Adam Dear Adam, I’ve got a bunch of real estate, and I love i...

Dear Dave, My wife and I are debt-free, and we’re ready to start building our first home. We’re a little short on cash to make the 20 per cent down payment you recommend, but we do have a fully funded emergency fund in place. Would it be okay to take...

A free pensions and savings seminar is to be held tomorrow. The event, hosted by Colonial Pension Services, part of the Colonial group of companies, will highlight the importance of financial planning for the future. Laurie Daniels, customer service ...

Dear Dave, My wife and I are debt-free except for our home, and we’re on Baby Steps 4 and 5. Recently, we were asked to make a large donation to a charity we already support. We don’t have the full cash amount they asked for on hand, and after hearin...

Dear Dave, My husband and I own a small business. One of our relatives asked for a job recently, and we both have reservations about hiring him because there are several dysfunctional relationships and personalities within our extended family. Are we...

Dear Dave, I’m new to you and your plan. Why do you want people to pay off the debt with the smallest balance first, instead of the one with the highest interest rate? — Courtney Dear Courtney, Simply put, because personal finance isn’t all about m...

In the fall of 2007, an analyst named Meredith Whitney from a second-tier Wall Street firm would make a name for herself in the world of finance when she predicted that Citigroup was so undercapitalised and mismanaged that it would surely be forced t...

Dear Dave, My wife and I argue a lot about finances. We’re trying to get more control over our money, and she has been listening to you. That’s helped a lot. She’s also a lot more frugal than I am, and our biggest point of contention right now is how...