Dave Ramsey Says
Dave Ramsey Says (87)
Friday, 06 September 2013 11:47
Private Mortgage Insurance and Deflation of U.S. Currency
Written by Dave Ramsey
Q. When is it okay to purchase a house without making a 20 percent down payment?
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Q. Is there a downside to refinancing your home often?
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Q. I’m working on my debt snowball, and I’m trying to settle with a pushy collector. I don’t have the $9,000 I owe, but I have $3,000 I’d like to offer as a settlement. Recently the collector has started asking for a lot of information I don’t feel comfortable providing. What should I do?
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Q. I’m a stay-at-home mom now, and my husband brings home $2,600 a month. We’re trying to get out of debt, but we need more money coming in. I want to go back to work, but emotionally part of me feels like I should stay home with our 2-year-old daughter. What do you think?
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Q. My husband and I have a baby and are trying to live on a budget and pay off about $14,000 in debt. He wants to spend $100 a month for a date night, but I think this is too much under the circumstances. I’m a stay-at-home mom right now, and after taxes he makes about $3,200 a month. What do you think?
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Q. I’m 27 and married, and we have two kids. I make $90,000 a year, but we have $80,000 in consumer debt—$48,000 of which is in car loans. The rest is credit card debt. My wife’s parents have offered to let us move in with them so we can get out of debt faster. Do you think this is a good idea?
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Q. I’m divorced and have a teenager who will be driving soon. What would be the best way to set up insurance for the child?
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Q. My husband doesn’t like dealing with money. For years, I’ve handled everything from paying the bills to making the decisions, and he just does whatever I tell him. This makes things really hard on me, but he says financial issues cause him stress. Do you have any suggestions?
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Q. We’re debt-free except for our house, and that’s on a 15-year, fixed-rate mortgage. We also have an emergency fund in place. We’d like to give back this year, and do a little extra giving than we have been able to do in the past. At what point should we start giving over and above what we tithe?
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Question: My wife and I want to do a live-in/flip real estate purchase. The idea is to buy a fixer-upper and rent out the basement to help with the mortgage payments. What do you think about the idea?
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