I would prefer a total stock market fund if it's going to be their only investment, but if it's the first of many funds I'd go with the S&P 500 Index Fund.

277

You don't want to pick a family that just created a fund they don't have a history in.

211

You want to understand what the person across the table from you does for a living and how they do it.

181

If you have a variable rate mortgage, now is the time to refinance and lock in a fixed rate to protect yourself in the long run.

155

People have to minimize the use of home equity for short term financial needs. Get your budget in order. Home equity lines of credit are for long-term financial needs. They were not meant to buy cars and trips and fuel overspending.

140

They can't give endorsements, but they can at least lead you to three or four people in your geographic area that you can meet with.

137

Set the ground rules and make sure it feels right.

129

Technology funds and small-cap funds are where the volatility is going to be.

107