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Dear Dave, We have three preschool grandchildren, and they get tons of stuff for Christmas every year. We’re in really good shape financially and would like to do something for their future this year instead of giving a toy that might get thrown in t...

Dear Dave, What is your opinion on micro investing apps? TAMMY Dear Tammy, Honestly, I’m not a big fan of micro investing apps. As you probably know, the word “micro” means small. So why would you want to mess with something like that? Are you going ...

Dear Dave, I’ve been out of college for a few years, and I have no debt. I’d like to start investing, so I’m thinking about buying a triplex, living in one of the apartments, and renting the other two. Should I get an interest-only loan for this? CHA...

Dear Dave, I work for a small company that just won a cruise trip for all the employees. The prize covers just the cruise tickets, and we have to pay for everything else. The problem is that my wife and I currently have more than $50,000 in debt, not...

Dear Dave, My husband owns a small landscaping and masonry company. His profits over the last couple of years have been about $80,000 annually. We were wondering if we should be setting aside some retained earnings. KIM Dear Kim, Yes, all businesses ...

Dear Dave, I’m 23, and I lost a good job a few days ago due to layoffs. My wife has been a stay-at-home mom with our ten-month-old daughter, and we have very little in the way of savings. What can we do to keep our heads above water? — Seth Dear Set...

Dear Dave, My mom is 95 years old, and she’s in amazing health. Financially speaking, she has about $150,000 in Certificates of Deposit, money market accounts, and savings bonds. Is there a better place she can invest her money? ANONYMOUS Dear Anonym...

Dear Dave, My wife and I are on Baby Step 2 of your plan, and I’m doing an online graduate degree while working full-time. We’re trying to cash flow my education from this point forward after previously taking out student loans. Our household income ...

Dear Dave, I make $2,100 a month after taxes, and I have accumulated $46,000 in credit card debt. My husband makes more than I do, but he won’t help me. He says I got myself into this mess, so it’s my job to stop being irresponsible and fix it on my ...

Dear Dave, My wife and I recently sat through a timeshare pitch at my mom and dad’s community as a favour to them. We’re trying to get out of debt and take control of our money, so when the salesman said we could put the whole thing on a credit card,...