Business

Q. I’m 23 and I will need to buy a new car soon – I think – I can take a loan but I don’t know what down payment I will need and how much of a payment I can afford.

Q. We go to Great Adventure every year and we get season passes. It’s always cheaper to buy them for the next season when they first go on sale. If I don’t have the cash, is it worth putting on a credit card?

Q. My neighbor is 70 and I think she has mild dementia. She has no family. I just learned she never filed for Social Security. What should she do?

Q. My son was injured while working. What kind of disability might he be able to get?

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.

Q. If I buy long-term care insurance, I know it’s cheaper when I’m younger. But I don’t have a lot of extra money. What can I do to make it cheaper but still have decent coverage? I’m 46.

Q. Can you settle a disagreement? Do I need to have two separate forms to give someone permission to handle my money and my health decisions, or is it the same one?

Q. I’m confused about the best way to take a temporary cash loan. I can take from my credit card at 20.1 percent interest or from my HELOC at 3 percent interest. The HELOC is much cheaper but everyone says I shouldn’t use the house as an ATM. If I can pay it back in a few months, what’s the harm?

Q. We will need more money to pay for college. We think we will be $45,000 short, but that won’t happen until our daughter is a senior in two years. Should she take loans or should we use home equity?

Q. I just had a hospital stay and I’m expecting a complicated bill. How can I make sure it’s correct?