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HERE’S YOUR CHANCE to help others with your financial insights. To comment, log on using your username and password from Disqus, Facebook, Google (Gmail), Twitter or WordPress. For more on how to comment, click here. And please come back often. We’ll be regularly updating the list of questions.

What everyday purchase do you consider a bargain?

"Though I haven't had one in ages, a McDouble."
- Michael1
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Should children be paid for doing chores?

"We grew up with regular chores that were expected and compensation with money was not provided. My first jobs started with a paper route and then babysitting for neighbors. However my parents understood that until we were mature and responsible enough to hold these type jobs outside the home, we wanted to make some money to buy things at a much younger age. They would provide us with opportunities to make a little money with non-routine tasks that they could supervise."
- Debbie Clay
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What are the smartest financial moves you’ve ever made?

"Buying as many foreclosures as I could in the aftermath of the Great Financial Crisis of 2007-08. I ended up with eight single family homes by 2012 when the deals began to dry up locally. The margin of safety provided during that time made up for the issues all rental real estate has at point or another."
- Juan Fourneau
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What popular financial advice do you ignore?

"Rebalancing. For the most part we let our winners run."
- Ben Rodriguez
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What’s the best financial book you’ve ever read?

"Extraordinary Popular Delusions and the Madness of Crowds by Charles Mackay"
- Myles Ussher.
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What should investors do about the possibility of higher interest rates?

"Fixed-income investors should be excited! Didn't expect to read that, did you? Of course bond prices fall when rates rise, all else equal, but with a bond fund, new higher-yielding holdings slowly replace lower-yielding maturing bonds. Wouldn't it be great to have an environment 10+ years down the line when you can invest in an aggregate bond fund and earn a positive real yield of perhaps 2-3% like the good ole days? If you periodically invest in bonds now, maybe you will stand to benefit in that scenario. Coming back down to the reality of today, bond investors have to step out on the risk spectrum in search of decent yields. Emerging market bonds, US high yield debt, floating-rate bonds--all are popular options. You can also invest in Series I bonds or even Series EE bonds that have virtually no risk. High dividend stocks and closed-end funds (which use leverage to really juice the yield) may seem like decent options, but a year's worth of dividends can be wiped away after a couple days' trading."
- Mike Zaccardi
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Which banks, brokerage firms and other financial companies would you recommend to friends?

"Vanguard, followed by Fidelity and M1 Finance. My local credit union for savings accounts. To ensure that all my investment accounts have SPIC coverage, I have multiple accounts and open a new one when any one of them hits $500k."
- Purple Rain
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When does it make sense to buy a home?

"I just purchased my first home at 24. It made sense when the cost of rent equaled the monthly obligation of owning a home. I know I am staying in the area for 5 or more years so I am happy with the risk. I also have the possibility of renting this home out when I eventually out grow it."
- Kyle Smith
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If you couldn’t buy index funds, how would you invest?

"DFA Funds in my 401(k) accounts. Dividend Growth investing in my taxable accounts and IRAs."
- Purple Rain
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Is rental real estate a good investment?

"I'm still in the game and probably will be for another dozen years but I believe it is. It's a long term investment and the hassles aren't for everybody. I am not a handyman and that has hurt me but its not the only requirement. A fellow landlord friend of mine was a licensed plumber & electrician. He used to own a HVAC company and built homes in his younger days. Bottom line...there was nothing in a house he couldn't fix himself. He bought the worst houses in terrible neighborhoods and always struggled with getting his rent and attracting a quality tenant. As long as you bring something to the table you can make it a good investment."
- Juan Fourneau
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What are your top financial worries?

"As we grow older, we become much more susceptible to falling under the influence of someone who does share our desire to bequeath our estate to our kids. I have seen several cases of new spouses and "trusted" relatives essentially stealing inheritances because someone was able to manipulate the surviving spouse."
- Jackie
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Should investors own alternative investments—and, if so, which ones?

"No. A small allocation to an alternative investment is unlikely to make much difference overall. Why complicate things?"
- Carl Book
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