Personal Finance

Personal Finance

Seeking investors to help fund project

Dear Dave: I want to build an 18-unit apartment complex, but I don’t have enough cash to do it on my own. My net worth is around $400,000, and I have $100,000 I can put toward this project. It is estimated to cost $1.2 million. Would lining up investors, who will take a percentage of the profits, be the same thing as acquiring debt?

Personal Finance

Stick with building that emergency fund

Dear Dave: My husband and I are in our 50s, and we have just $12,000 to pay off before we’re debt-free. We’ve paid off almost $70,000 in debt in the last two years. We would like to buy a house soon, but we know we also need an emergency fund.

Personal Finance

This debt is acceptable

Dear Dave: One of my relatives just graduated from college with $20,000 in student loan debt. Her boyfriend graduated, too, and he has over $100,000 in student loan debt. They want to get married, so she’s looking for a job. He wants to go to graduate school, and take out more loans to remain a full-time student. The idea of even more debt hanging over their heads really bothers her. Do you have any advice?

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