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aging parents with no investments
How to take care of pension funds if career is spread over many different countries?Dad paying for my new home in cash. How can I buy the house from him?Mortgage sold to yet another servicer. What are my options?A home loan refinance problemWhat to consider when loaning parents $50k to pay off investment propertyInvestment strategy for retired coupleMortgage documents vs Credit report: am I mortgage-less now?What kind of resources are there for children taking care of their aging parents?What can I do with $15k and 2k/month in savings?In what ways does getting married to someone with poor credit affect someone with good credit?
.everyoneloves__top-leaderboard:empty,.everyoneloves__mid-leaderboard:empty,.everyoneloves__bot-mid-leaderboard:empty margin-bottom:0;
My aging parents (75/77years) own a house on 35+ acres in rural NE USA (no mortgage). They have:
- No investments
- Savings of maybe $30k in a bank account paying minimal interest
- No income other than Social Security and the occasional odd job
- A smaller second home with a $25k mortgage balance (I don't know the loan's rate).
My dad has significant health issues and they are considering selling their primary home and moving into the smaller home. They tell me that a friend wants to help them with investing. I want to be sure they are not taken advantage of. What advice might I give them for their money (current savings and profit realized from property sale), and what issues might we think about as we consider making their money last.
united-states investing retirement retirement-plan
add a comment |
My aging parents (75/77years) own a house on 35+ acres in rural NE USA (no mortgage). They have:
- No investments
- Savings of maybe $30k in a bank account paying minimal interest
- No income other than Social Security and the occasional odd job
- A smaller second home with a $25k mortgage balance (I don't know the loan's rate).
My dad has significant health issues and they are considering selling their primary home and moving into the smaller home. They tell me that a friend wants to help them with investing. I want to be sure they are not taken advantage of. What advice might I give them for their money (current savings and profit realized from property sale), and what issues might we think about as we consider making their money last.
united-states investing retirement retirement-plan
2
Regarding the part where you "want to be sure they are not taken advantage of". First you should study a lot about personal finances and investment options, as you reach mid-level knowledgeable, you should start motivating them to get information and talk about this things. Knowledge in this case is protection.
– Mefitico
4 hours ago
add a comment |
My aging parents (75/77years) own a house on 35+ acres in rural NE USA (no mortgage). They have:
- No investments
- Savings of maybe $30k in a bank account paying minimal interest
- No income other than Social Security and the occasional odd job
- A smaller second home with a $25k mortgage balance (I don't know the loan's rate).
My dad has significant health issues and they are considering selling their primary home and moving into the smaller home. They tell me that a friend wants to help them with investing. I want to be sure they are not taken advantage of. What advice might I give them for their money (current savings and profit realized from property sale), and what issues might we think about as we consider making their money last.
united-states investing retirement retirement-plan
My aging parents (75/77years) own a house on 35+ acres in rural NE USA (no mortgage). They have:
- No investments
- Savings of maybe $30k in a bank account paying minimal interest
- No income other than Social Security and the occasional odd job
- A smaller second home with a $25k mortgage balance (I don't know the loan's rate).
My dad has significant health issues and they are considering selling their primary home and moving into the smaller home. They tell me that a friend wants to help them with investing. I want to be sure they are not taken advantage of. What advice might I give them for their money (current savings and profit realized from property sale), and what issues might we think about as we consider making their money last.
united-states investing retirement retirement-plan
united-states investing retirement retirement-plan
edited 5 hours ago
moscafj
asked 7 hours ago
moscafjmoscafj
31636
31636
2
Regarding the part where you "want to be sure they are not taken advantage of". First you should study a lot about personal finances and investment options, as you reach mid-level knowledgeable, you should start motivating them to get information and talk about this things. Knowledge in this case is protection.
– Mefitico
4 hours ago
add a comment |
2
Regarding the part where you "want to be sure they are not taken advantage of". First you should study a lot about personal finances and investment options, as you reach mid-level knowledgeable, you should start motivating them to get information and talk about this things. Knowledge in this case is protection.
– Mefitico
4 hours ago
2
2
Regarding the part where you "want to be sure they are not taken advantage of". First you should study a lot about personal finances and investment options, as you reach mid-level knowledgeable, you should start motivating them to get information and talk about this things. Knowledge in this case is protection.
– Mefitico
4 hours ago
Regarding the part where you "want to be sure they are not taken advantage of". First you should study a lot about personal finances and investment options, as you reach mid-level knowledgeable, you should start motivating them to get information and talk about this things. Knowledge in this case is protection.
– Mefitico
4 hours ago
add a comment |
3 Answers
3
active
oldest
votes
Do they want your help?
Many times parents have difficulty taking advice from those whose nose and butt they wiped. Your accomplishments and investments are independent of the fact.
What are their needs?
They likely have social security and is that meeting their needs now? What happens after dad passes? Coming up with solid numbers is an important step to figuring out a strategy.
How will the friend profit from "investment" advice?
More often then not, he is just an insurance agent that will do something that benefits him, but may not be optimal for your parents. What solidifies this opinion of mine is using the word investment in this context. Your parents will likely have a short term need for cash, and investment tends to mean long term. This friend seems to ignore this fact.
What is your investment experience?
If it is minimal, I would recommend seeing a fee-only financial adviser. Seek one that can teach you three about investments and help you make good decisions. Coming to this person with firm numbers will reduce the cost as they will not have to work through the numbers for you guys.
1
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
2
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
3
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
3
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
|
show 5 more comments
Explain to your parents what a fiduciary1 is.
Tell them that no matter how much they like this guy (gal?) they should only invest with someone that they have a fiduciary relationship with - because they only have one shot left and it needs to be the best thing for them.
Steer them to someone who is a certified financial planner or any other certification
which their state holds to the standard of a fiduciary.
It may not even be a good idea to do anything except pay off the mortgage and then get CDs for most of the rest of the money. (depending on life expectancy of your mom)
One final item is... when your Father dies your Mother needs to have enough to live on and her SS will decrease by some amount. Maybe you can determine what this is in advance?
This all assumes that you parents want your advice... which isn't always the case - best wishes!
1 The law requires that the decisions made must be in the best interest of the client. If that doesn't happen, your parents (or you, if you are an heir) can sue for compensation.
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
1
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
add a comment |
Probably they shouldn't be investing. It's too late for that. And if they aren't investing it's pretty simple: Sell the big property before they urgently need the money because that takes time, then pay off the mortgage on the other house because the mortgage only costs money and they probably can afford to pay it off. In that order so they always have some liquid money in the bank. Get some certified professional (e.g. fiduciary) to work out the details.
add a comment |
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3 Answers
3
active
oldest
votes
3 Answers
3
active
oldest
votes
active
oldest
votes
active
oldest
votes
Do they want your help?
Many times parents have difficulty taking advice from those whose nose and butt they wiped. Your accomplishments and investments are independent of the fact.
What are their needs?
They likely have social security and is that meeting their needs now? What happens after dad passes? Coming up with solid numbers is an important step to figuring out a strategy.
How will the friend profit from "investment" advice?
More often then not, he is just an insurance agent that will do something that benefits him, but may not be optimal for your parents. What solidifies this opinion of mine is using the word investment in this context. Your parents will likely have a short term need for cash, and investment tends to mean long term. This friend seems to ignore this fact.
What is your investment experience?
If it is minimal, I would recommend seeing a fee-only financial adviser. Seek one that can teach you three about investments and help you make good decisions. Coming to this person with firm numbers will reduce the cost as they will not have to work through the numbers for you guys.
1
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
2
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
3
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
3
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
|
show 5 more comments
Do they want your help?
Many times parents have difficulty taking advice from those whose nose and butt they wiped. Your accomplishments and investments are independent of the fact.
What are their needs?
They likely have social security and is that meeting their needs now? What happens after dad passes? Coming up with solid numbers is an important step to figuring out a strategy.
How will the friend profit from "investment" advice?
More often then not, he is just an insurance agent that will do something that benefits him, but may not be optimal for your parents. What solidifies this opinion of mine is using the word investment in this context. Your parents will likely have a short term need for cash, and investment tends to mean long term. This friend seems to ignore this fact.
What is your investment experience?
If it is minimal, I would recommend seeing a fee-only financial adviser. Seek one that can teach you three about investments and help you make good decisions. Coming to this person with firm numbers will reduce the cost as they will not have to work through the numbers for you guys.
1
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
2
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
3
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
3
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
|
show 5 more comments
Do they want your help?
Many times parents have difficulty taking advice from those whose nose and butt they wiped. Your accomplishments and investments are independent of the fact.
What are their needs?
They likely have social security and is that meeting their needs now? What happens after dad passes? Coming up with solid numbers is an important step to figuring out a strategy.
How will the friend profit from "investment" advice?
More often then not, he is just an insurance agent that will do something that benefits him, but may not be optimal for your parents. What solidifies this opinion of mine is using the word investment in this context. Your parents will likely have a short term need for cash, and investment tends to mean long term. This friend seems to ignore this fact.
What is your investment experience?
If it is minimal, I would recommend seeing a fee-only financial adviser. Seek one that can teach you three about investments and help you make good decisions. Coming to this person with firm numbers will reduce the cost as they will not have to work through the numbers for you guys.
Do they want your help?
Many times parents have difficulty taking advice from those whose nose and butt they wiped. Your accomplishments and investments are independent of the fact.
What are their needs?
They likely have social security and is that meeting their needs now? What happens after dad passes? Coming up with solid numbers is an important step to figuring out a strategy.
How will the friend profit from "investment" advice?
More often then not, he is just an insurance agent that will do something that benefits him, but may not be optimal for your parents. What solidifies this opinion of mine is using the word investment in this context. Your parents will likely have a short term need for cash, and investment tends to mean long term. This friend seems to ignore this fact.
What is your investment experience?
If it is minimal, I would recommend seeing a fee-only financial adviser. Seek one that can teach you three about investments and help you make good decisions. Coming to this person with firm numbers will reduce the cost as they will not have to work through the numbers for you guys.
edited 1 hour ago
Nathan L
30.1k1675130
30.1k1675130
answered 6 hours ago
Pete B.Pete B.
52.1k13111164
52.1k13111164
1
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
2
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
3
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
3
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
|
show 5 more comments
1
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
2
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
3
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
3
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
1
1
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
...excellent points. In response: They brought up the finances, are open to family input. Dad had recent health scare, which initiated this. Beyond that, lifelong financial planning is not something they've engaged in. Current needs are minimal. Happy living on social security. We do need a plan for when dad passes. I don't yet know the details about the "friend" (former part-time employer of my mom...tax accountant). I am assuming good intentions at this point. My investment/retirement planning experience is significant, but self-taught, and my wife and I have been doing well our own.
– moscafj
6 hours ago
2
2
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
The main piece is they aren't working with a long-timeline so should keep things pretty low-risk. Depending on the value of the house they intend to sell they could potentially be fine with no risk investments.
– Hart CO
5 hours ago
3
3
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
My reaction when I read this question was a bit like point 3: Is investing right for them AT ALL?
– UKMonkey
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
@UKMonkey fair point, and my thought as well. It was my first reaction when they stated a friend wanted to help with "investments."
– moscafj
5 hours ago
3
3
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
should you add "fiduciary" to the "fee only financial adviser"?
– aaaaaa
4 hours ago
|
show 5 more comments
Explain to your parents what a fiduciary1 is.
Tell them that no matter how much they like this guy (gal?) they should only invest with someone that they have a fiduciary relationship with - because they only have one shot left and it needs to be the best thing for them.
Steer them to someone who is a certified financial planner or any other certification
which their state holds to the standard of a fiduciary.
It may not even be a good idea to do anything except pay off the mortgage and then get CDs for most of the rest of the money. (depending on life expectancy of your mom)
One final item is... when your Father dies your Mother needs to have enough to live on and her SS will decrease by some amount. Maybe you can determine what this is in advance?
This all assumes that you parents want your advice... which isn't always the case - best wishes!
1 The law requires that the decisions made must be in the best interest of the client. If that doesn't happen, your parents (or you, if you are an heir) can sue for compensation.
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
1
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
add a comment |
Explain to your parents what a fiduciary1 is.
Tell them that no matter how much they like this guy (gal?) they should only invest with someone that they have a fiduciary relationship with - because they only have one shot left and it needs to be the best thing for them.
Steer them to someone who is a certified financial planner or any other certification
which their state holds to the standard of a fiduciary.
It may not even be a good idea to do anything except pay off the mortgage and then get CDs for most of the rest of the money. (depending on life expectancy of your mom)
One final item is... when your Father dies your Mother needs to have enough to live on and her SS will decrease by some amount. Maybe you can determine what this is in advance?
This all assumes that you parents want your advice... which isn't always the case - best wishes!
1 The law requires that the decisions made must be in the best interest of the client. If that doesn't happen, your parents (or you, if you are an heir) can sue for compensation.
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
1
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
add a comment |
Explain to your parents what a fiduciary1 is.
Tell them that no matter how much they like this guy (gal?) they should only invest with someone that they have a fiduciary relationship with - because they only have one shot left and it needs to be the best thing for them.
Steer them to someone who is a certified financial planner or any other certification
which their state holds to the standard of a fiduciary.
It may not even be a good idea to do anything except pay off the mortgage and then get CDs for most of the rest of the money. (depending on life expectancy of your mom)
One final item is... when your Father dies your Mother needs to have enough to live on and her SS will decrease by some amount. Maybe you can determine what this is in advance?
This all assumes that you parents want your advice... which isn't always the case - best wishes!
1 The law requires that the decisions made must be in the best interest of the client. If that doesn't happen, your parents (or you, if you are an heir) can sue for compensation.
Explain to your parents what a fiduciary1 is.
Tell them that no matter how much they like this guy (gal?) they should only invest with someone that they have a fiduciary relationship with - because they only have one shot left and it needs to be the best thing for them.
Steer them to someone who is a certified financial planner or any other certification
which their state holds to the standard of a fiduciary.
It may not even be a good idea to do anything except pay off the mortgage and then get CDs for most of the rest of the money. (depending on life expectancy of your mom)
One final item is... when your Father dies your Mother needs to have enough to live on and her SS will decrease by some amount. Maybe you can determine what this is in advance?
This all assumes that you parents want your advice... which isn't always the case - best wishes!
1 The law requires that the decisions made must be in the best interest of the client. If that doesn't happen, your parents (or you, if you are an heir) can sue for compensation.
answered 4 hours ago
J. Chris ComptonJ. Chris Compton
94719
94719
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
1
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
add a comment |
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
1
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
Not sure about the US, but in some countries, a fiduciary, even if doing a pretty honest job, is a really expensive service. One should have very clear information on how and how much this person is being paid and if he/she takes any bonuses from some investment broker.
– Mefitico
4 hours ago
1
1
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
@Mefitico You raise a good point. However, the fiduciary would likely be less expensive that someone who churns stock or puts them into products that don't fit. Which is also (not by coincidence) why a fiduciary can charge a higher rate/amount.
– J. Chris Compton
4 hours ago
add a comment |
Probably they shouldn't be investing. It's too late for that. And if they aren't investing it's pretty simple: Sell the big property before they urgently need the money because that takes time, then pay off the mortgage on the other house because the mortgage only costs money and they probably can afford to pay it off. In that order so they always have some liquid money in the bank. Get some certified professional (e.g. fiduciary) to work out the details.
add a comment |
Probably they shouldn't be investing. It's too late for that. And if they aren't investing it's pretty simple: Sell the big property before they urgently need the money because that takes time, then pay off the mortgage on the other house because the mortgage only costs money and they probably can afford to pay it off. In that order so they always have some liquid money in the bank. Get some certified professional (e.g. fiduciary) to work out the details.
add a comment |
Probably they shouldn't be investing. It's too late for that. And if they aren't investing it's pretty simple: Sell the big property before they urgently need the money because that takes time, then pay off the mortgage on the other house because the mortgage only costs money and they probably can afford to pay it off. In that order so they always have some liquid money in the bank. Get some certified professional (e.g. fiduciary) to work out the details.
Probably they shouldn't be investing. It's too late for that. And if they aren't investing it's pretty simple: Sell the big property before they urgently need the money because that takes time, then pay off the mortgage on the other house because the mortgage only costs money and they probably can afford to pay it off. In that order so they always have some liquid money in the bank. Get some certified professional (e.g. fiduciary) to work out the details.
answered 51 mins ago
NobodyNobody
1357
1357
add a comment |
add a comment |
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Regarding the part where you "want to be sure they are not taken advantage of". First you should study a lot about personal finances and investment options, as you reach mid-level knowledgeable, you should start motivating them to get information and talk about this things. Knowledge in this case is protection.
– Mefitico
4 hours ago