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Karin Price Mueller

Contributor |  In Managing Debt, Personal Finance

Karin Price Mueller is an award-winning writer and money expert. She’s the founder of NJMoneyHelp.com, a new website that offers smart and objective advice on everything money. She also writes the Bamboozled consumer affairs column for The Star-Ledger. Mueller has won several national and local journalism awards, including nods from the Society of Business Editors and Writers (SABEW), the New Jersey Press Association (NJPA) and the Financial Planning Association.

What Should I Do if My 401K Stinks?

Personal Finance

What Should I Do if My 401K Stinks?

What Should I Do if My 401K Stinks?

Q. I don’t think I have good investment choices in my 401K plan, but I’ve always saved the max. Does it make sense to save to an IRA instead and put the rest in some other kind of account where I can choose the investments? — Analyzing A. There’s a lot to consider here. If your... Read More

Are Your Dog’s Expenses Deductible?

Personal Finance

Are Your Dog’s Expenses Deductible?

Are Your Dog’s Expenses Deductible?

Q. I show my dog at dog shows, and sometimes he wins money. If I have to declare it as income, can I deduct things like dog food and vet bills? — Owner A. You have to prove that this is a business and not just a hobby. If you are in a business of training... Read More

Help! I Don’t Trust My Son With My Money

Personal Finance

Help! I Don’t Trust My Son With My Money

Help! I Don’t Trust My Son With My Money

Q. I don’t trust my older son with money. My younger one is fine. Is it unfair to put restrictions on the inheritance the older one gets eventually? I’m 70. — Trying to plan A. You’re not alone. Many parents face the same dilemma, and not all people are good with money. “Some children, regardless... Read More

Can Retiring to Another Country Help Me Save Money on My Taxes?

Taxes

Can Retiring to Another Country Help Me Save Money on My Taxes?

Can Retiring to Another Country Help Me Save Money on My Taxes?

Q. I’ve heard that tax-wise, moving out of the country when you retire is a good idea. I have no kids so I’m open to the idea. What places — warm weather — could make sense? I would still stay a few months in America. — Thinking [in New Jersey] A. Whoa! Moving out of... Read More

Help! My New Spouse Didn’t Tell Me About a Bankruptcy

Managing Debt

Help! My New Spouse Didn’t Tell Me About a Bankruptcy

Help! My New Spouse Didn’t Tell Me About a Bankruptcy

Q. I just got married, and my wife just told me she had a bankruptcy three years ago when we first met. She never told me this before. What will this mean for us buying a house or a car and our financial future? (I’m not happy about this…) — New husband A. It’s so... Read More

How Can I Get My Aging Parents to Talk About Money?

Personal Finance

How Can I Get My Aging Parents to Talk About Money?

How Can I Get My Aging Parents to Talk About Money?

Q. My parents are 70 and 72 and they are of sound mind. But they never want to talk about their finances, and I want to make sure they have enough because I can afford to help if they need it. How can I get them to talk? — Stumped A. Lots of people don’t... Read More

What’s the Best Way to Leave My House to My Kids?

Managing Debt

What’s the Best Way to Leave My House to My Kids?

What’s the Best Way to Leave My House to My Kids?

Q. Most of my net worth is in my home. What’s the best way to leave it to my kids? Should I have them sell it after I’m dead? Or does it make more sense to downsize or start renting and put the house money in an account somewhere? — Homeowner A. It’s admirable that... Read More

Should I Use Home Equity to Pay My Kid’s College Tuition?

Mortgages

Should I Use Home Equity to Pay My Kid’s College Tuition?

Should I Use Home Equity to Pay My Kid’s College Tuition?

Q. What are the pros and cons of a home equity loan instead of a home equity line of credit? I’m thinking of using it for college tuition. — Parent A. Deciding the best place to take money to pay for college tuition is a hard decision that can stick with you for years after... Read More

I Need More Money for Retirement. Are There Ways to Catch Up?

Personal Finance

I Need More Money for Retirement. Are There Ways to Catch Up?

I Need More Money for Retirement. Are There Ways to Catch Up?

Q. I know there are catch-up contributions for retirement plans. I’ve heard there’s also something called a “lifetime catch-up” contribution. How does that work? — Saver A. Catch-up contributions were added to the tax code by Congress in response to a fear that baby boomers were not saving enough for retirement. They allow taxpayers turning... Read More

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