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EmiliaU
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Making official plans for medical and money decisions

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?

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Risk Illustrations
Bloomberg via Getty Images
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Don’t use your home as a piggy bank

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?

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College classroom
(Carlos de Andres, Cover/Getty Images)
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Finding money for that last year of college

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?

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Hospital room
DOBphoto, ThinkStock
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Understanding a complex hospital bill

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

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Christmas presents
Aizram18/Thinkstock
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How to start holiday savings now

Q. I want to start saving to buy Christmas presents, but I tend to spend whatever is in my accounts. Any suggestions?

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Gajus
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Understanding power of attorney documents

Q. What’s the difference between a power of attorney and a durable power of attorney?

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Young couple with guitar on grass in park
Andriy Petrenko
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Equal college savings for sons and daughters

Q. My father is very generous with my son, who is 10. He invests for his college. I also have a daughter who is 6, but my father never gives as much for her college. It’s strange and I’ve been afraid to ask and start a fight, but I can’t believe he might be treating them differently. I have no brothers or sisters so I never noticed anything strange growing up.

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marekuliasz
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How income impacts the senior freeze

Q. Does the Senior Freeze income restriction include Required Minimum Distributions (RMDs)?

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LuminaStock
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Helping a young adult be fiscally smart

Q. My daughter has her first job and she lives at home – I said yes so she could save money – but I don’t think she saves enough, if anything, even though I don’t charge her rent. She doesn’t want to talk about it. How can I get her to save so eventually she will have a nice nest egg?

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Ron Chapple Stock
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When a new spouse lies about 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…)

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