ANNE C. JETTER Certified Public Accountant Certified Valuation Analyst

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		Credit and Budget How much am I spending? Should I pay off debt or invest in savings? What will it take to pay off my balance? How much should I set aside for emergencies? How much will it cost to raise a child? What's it worth to reduce my spending? Should my spouse work too? How important is the interest rate? How will rate changes affect my balance? Is a lower rate worth the annual fee? What will it take to pay off my balance? Should I consolidate my debts? Which is better: flight card or low rate card? Which is better: rebate card or low rate card? Should I consolidate my credit cards? Home How much can I borrow? How much will my mortgage payments be? How much will my adjustable rate payments be? Which is better: fixed or adjustable? Should I pay points to lower the rate? Which is better: 15 or 30 year term? How much should I put down for a new home? How much can I save in taxes? What will my closing costs be? Am I better off renting? Am I better off refinancing? What will my refinancing costs be? How can I reduce mortgage insurance costs? Which lender has the better loan? Which loan is better? How advantageous are extra payments? What home can I afford? Savings What will it take to become a millionaire? How much will my savings be worth? What will it take to save for a vehicle, home, etc.? What will it take to save for a college education? How will taxes and inflation affect my savings? How much of a difference will the rate make? What's it worth to reduce my spending? How much, at what rate, when? Which is better: cash or payments? How much will my CD be worth at maturity? College What is the value of higher education? What expenses do I face prior to attending college? Should I live on campus, off campus or at home? How much should I budget for college living expenses? Is a meal plan a good idea? Retirement How will retirement affect my expenses? Am I saving enough? What can I change? How will this account be used? What will I earn with this account? How advantageous is increasing my savings? Which savings or income source will be the largest? How much can I invest before taxes each year? What if I underestimate my expenses? What will my income be after I retire? What will my expenses be after I retire? What happens if tax laws change? How much of an effect can inflation have? Which savings should be used first? How much will Social Security provide? What if Social Security no longer exists? Roth IRA Which will provide the most retirement income? How will changes in my tax rate affect the decision? What option is best for estate planning? How do return rates affect my retirement income? When should I begin saving? How will a large withdrawal affect the decision? Should I convert my IRA to a Roth IRA? What IRA am I eligible for? Bonds What is my yield to maturity? What is my current yield on coupon income received? What is the bond return if I sell now? How will rate changes affect my bond's current value? What price should I pay? What bond price achieves my target rate of return? What might be my yield-to-call? Should I wait a year to sell my bond? Should I buy a tax-exempt or taxable bond? Which is better: discount or high coupon rate? Should I buy a zero coupon bond? Which bond is better? Auto Which is better: a new or used vehicle? How much should depreciation cost me? Should I lease or purchase a vehicle? Should I finance or pay cash for a vehicle? How much will my vehicle payments be? Which vehicle loan is better? What term of vehicle loan should I choose? Should I use a home equity loan instead of an auto loan? Which is better: a rebate or special dealer financing? How long should I keep a vehicle? What vehicle can I afford? Equity Credit Line How large a line of credit can I obtain? Should I consolidate my debts? Should I use a home equity loan or an auto loan? How much will my loan payments be? What will my tax savings be? What will it take to pay off my line of credit? Salary Salary Wizard

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