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How to Keep That Vacation Feeling Forever!


Yes! Finally! After months of deadlines and a long list of tasks, stress and maybe even some sleepless nights, your vacation finally starts and you're FREE!

You have activated your automatic Out Of Office reply and, during your vacation, you are going to do absolutely nothing work- or school-related, and focus on renewing yourself with loads of positive energy.

You know that feeling, right? The feeling that things will be much better when you go back to work with your newfound insight and energy?

 

Read more: How to Keep That Vacation Feeling Forever!

Q&A: Not-So-Perfect Credit

Dear Liz: Late last year, I applied for a credit card to buy a new computer on the computer maker's website. I was declined. I was given the chance to talk to the credit card company's agent and was belittled for having not-so-perfect credit, not enough credit and using too much credit, all in the same phone call. Needless to say, I got the message.

Read more: Q&A: Not-So-Perfect Credit

   

Q&A: Taking a Lump Sum or Annuity

Dear Liz: I am 54 and considering retiring in three or four years. I have been fortunate to work at a Fortune 100 company for 30-plus years and have both a defined benefit pension plan and a 401(k). When I retire, we have the option of taking a lump sum or an annuity. Most financial people I talk to strongly recommend taking the lump sum, though I wonder if it is not just so there is more money to manage?

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Q&A: Credit Card Debt

Dear Liz: My wife and I accrued $28,000 of credit card debt over the past eight years. In addition to a sizable student loan bill for law school, our home mortgage and the expenses associated with three young children, we are struggling to get ahead enough to knock our credit card debt down. While we make good income between the two of us, it would seem not enough to pay more than the minimum on our debts.

Read more: Q&A: Credit Card Debt

   

Q&A: Considering Filing Bankruptcy

Dear Liz: I'm a 33-year-old mother who lost my full-time job during the recession in 2009. I may have my "stuff" together again, but am considering filing bankruptcy. Each month I'm spending almost half (yes half!) of my income on debt payments to credit cards, loans and medical bills. Each month after all my bills are paid and groceries are bought, I have zero dollars left over to save.

Read more: Q&A: Considering Filing Bankruptcy

   

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