如何处理你多余闲置的现金
<p> <span word="Time">Time</span> <span word="now">now</span> <span word="for">for</span> <span word="The">The</span> <span word="Help">Help</span> <span word="Desk">Desk</span>, <span word="where">where</span> <span word="we">we</span> <span word="get">get</span> <span word="answers">answers</span> <span word="to">to</span> <span word="your">your</span> <span word="financial">financial</span> <span word="questions">questions</span>. <span word="With">With</span> <span word="me">me</span> <span word="right">right</span> <span word="now">now</span>, <span word="Donna">Donna</span> <span word="Rosato">Rosato</span>. <span word="Shes">Shes</span> <span word="a">a</span> <span word="senior">senior</span> <span word="editor">editor</span> <span word="at">at</span> <span word="Money">Money</span>. <span word="And">And</span> <span word="Lynnette">Lynnette</span> <span word="Khalfani">Khalfani</span>-<span word="Cox">Cox</span> <span word="is">is</span> <span word="a">a</span> <span word="writer">writer</span> <span word="for">for</span> <span word="walletpop">walletpop</span>.<span word="com">com</span>. <span word="Thank">Thank</span> <span word="you">you</span> <span word="so">so</span> <span word="much">much</span> <span word="for">for</span> <span word="being">being</span> <span word="here">here</span> <span word="with">with</span> <span word="us">us</span>. <span word="Our">Our</span> <span word="first">first</span> <span word="question">question</span> <span word="is">is</span> <span word="from">from</span> <span word="Jeff">Jeff</span> <span word="in">in</span> <span word="Michigan">Michigan</span>. <span word="And">And</span> <span word="he">he</span> <span word="writes">writes</span> <span word="in">in</span>, <span word="I">I</span> <span word="am">am</span> <span word="underwater">underwater</span> <span word="on">on</span> <span word="my">my</span> <span word="home">home</span>, <span word="but">but</span> <span word="no">no</span> <span word="one">one</span> <span word="will">will</span> <span word="help">help</span> <span word="me">me</span> <span word="because">because</span> <span word="I">I</span> <span word="am">am</span> <span word="unemployed">unemployed</span>. <span word="I">I</span> <span word="have">have</span> <span word="paid">paid</span> <span word="my">my</span> <span word="mortgage">mortgage</span> <span word="on">on</span> <span word="time">time</span>, <span word="but">but</span> <span word="Ive">Ive</span> <span word="been">been</span> <span word="told">told</span> <span word="that">that</span> <span word="I">I</span> <span word="could">could</span> <span word="get">get</span> <span word="help">help</span> <span word="if">if</span> <span word="I">I</span> <span word="stop">stop</span>. <span word="What">What</span> <span word="should">should</span> <span word="I">I</span> <span word="do">do</span>? <span word="Donna">Donna</span>, <span word="we">we</span> <span word="hear">hear</span> <span word="this">this</span> <span word="so">so</span> <span word="often">often</span>. <span word="Oh">Oh</span>, <span word="yes">yes</span>. <span word="Its">Its</span> <span word="never">never</span> <span word="a">a</span> <span word="good">good</span> <span word="idea">idea</span> <span word="to">to</span> <span word="stop">stop</span> <span word="paying">paying</span> <span word="your">your</span> <span word="mortgage">mortgage</span>. <span word="And">And</span> <span word="you">you</span> <span word="know">know</span> <span word="hes">hes</span> <span word="in">in</span> <span word="a">a</span> <span word="tough">tough</span> <span word="situation">situation</span> <span word="where">where</span> <span word="hes">hes</span> <span word="unemployed">unemployed</span>, <span word="but">but</span> <span word="last">last</span> <span word="year">year</span> <span word="the">the</span> <span word="Obama">Obama</span> <span word="administration">administration</span> <span word="did">did</span> <span word="expand">expand</span> <span word="some">some</span> <span word="programs">programs</span> <span word="to">to</span> <span word="help">help</span> <span word="people">people</span> <span word="like">like</span> <span word="this">this</span> <span word="young">young</span> <span word="man">man</span> <span word="here">here</span>. <span word="And">And</span> <span word="one">one</span> <span word="of">of</span> <span word="the">the</span> <span word="things">things</span> <span word="he">he</span> <span word="can">can</span> <span word="do">do</span> <span word="is">is</span> <span word="apply">apply</span> <span word="for">for</span> <span word="a">a</span> <span word="loan">loan</span> <span word="modification">modification</span>, <span word="which">which</span> <span word="may">may</span> <span word="help">help</span> <span word="him">him</span> <span word="reduce">reduce</span> <span word="the">the</span> <span word="amount">amount</span> <span word="of">of</span> <span word="payments">payments</span> <span word="or">or</span> <span word="he">he</span> <span word="can">can</span> <span word="get">get</span> <span word="a">a</span> <span word="suspension">suspension</span> <span word="on">on</span> <span word="his">his</span> <span word="home">home</span> <span word="mortgage">mortgage</span> <span word="payments">payments</span>. <span word="But">But</span> <span word="he">he</span> <span word="really">really</span> <span word="needs">needs</span> <span word="some">some</span> <span word="good">good</span> <span word="advice">advice</span> <span word="to">to</span> <span word="do">do</span> <span word="this">this</span> <span word="and">and</span> <span word="what">what</span> <span word="I">I</span> <span word="recommend">recommend</span> <span word="is">is</span> <span word="calling">calling</span> <span word="Housing">Housing</span> <span word="and">and</span> <span word="Urban">Urban</span> <span word="Development">Development</span>, <span word="a">a</span> <span word="HUD">HUD</span>-<span word="vetted">vetted</span> <span word="counselor">counselor</span>, <span word="which">which</span> <span word="he">he</span> <span word="can">can</span> <span word="do">do</span> <span word="through">through</span> <span word="the">the</span> <span word="Making">Making</span> <span word="Homes">Homes</span> <span word="Affordable">Affordable</span> <span word="Program">Program</span>. <span word="The">The</span> <span word="number">number</span> <span word="is">is</span> 888-995- <span word="HOPE">HOPE</span>. <span word="And">And</span> <span word="he">he</span> <span word="can">can</span> <span word="also">also</span> <span word="Google">Google</span> <span word="Making">Making</span> <span word="Homes">Homes</span> <span word="Affordable">Affordable</span> <span word="program">program</span> <span word="and">and</span> <span word="get">get</span> <span word="advice">advice</span> <span word="about">about</span> <span word="whats">whats</span> <span word="best">best</span> <span word="for">for</span> <span word="his">his</span> <span word="situation">situation</span>. <span word="But">But</span>, <span word="you">you</span> <span word="know">know</span>, <span word="the">the</span> <span word="damage">damage</span> <span word="to">to</span> <span word="your">your</span> <span word="credit">credit</span> <span word="score">score</span> <span word="by">by</span> <span word="stopping">stopping</span> <span word="paying">paying</span> <span word="on">on</span> <span word="your">your</span> <span word="mortgage">mortgage</span> <span word="is">is</span> <span word="really">really</span> <span word="long">long</span> <span word="term">term</span> <span word="and">and</span> <span word="he">he</span> <span word="wants">wants</span> <span word="to">to</span> <span word="try">try</span> <span word="to">to</span> <span word="avoid">avoid</span> <span word="that">that</span> <span word="if">if</span> <span word="possible">possible</span>. <span word="And">And</span> <span word="there">there</span> <span word="should">should</span> <span word="be">be</span> <span word="some">some</span> <span word="help">help</span> <span word="for">for</span> <span word="people">people</span> <span word="who">who</span> <span word="are">are</span> <span word="actually">actually</span> <span word="making">making</span> <span word="their">their</span> <span word="payments">payments</span> <span word="despite">despite</span> <span word="their">their</span> <span word="personal">personal</span> <span word="situation">situation</span>. <span word="Sure">Sure</span>. <span word="All">All</span> <span word="right">right</span>, <span word="our">our</span> <span word="next">next</span> <span word="question">question</span> <span word="is">is</span> <span word="from">from</span> <span word="Brad">Brad</span> <span word="in">in</span> <span word="Arizona">Arizona</span>. <span word="He">He</span> <span word="says">says</span>, <span word="m">m</span> 31 <span word="years">years</span> <span word="old">old</span> <span word="and">and</span> <span word="Im">Im</span> <span word="just">just</span> <span word="now">now</span> <span word="at">at</span> <span word="the">the</span> <span word="stage">stage</span> <span word="of">of</span> <span word="being">being</span> <span word="able">able</span> <span word="to">to</span> <span word="save">save</span> <span word="for">for</span> <span word="my">my</span> <span word="future">future</span> <span word="instead">instead</span> <span word="of">of</span> <span word="living">living</span> <span word="paycheck">paycheck</span> <span word="to">to</span> <span word="paycheck">paycheck</span>. <span word="Im">Im</span> <span word="interested">interested</span> <span word="in">in</span> <span word="investing">investing</span> <span word="in">in</span> <span word="gold">gold</span>. <span word="Where">Where</span> <span word="should">should</span> <span word="I">I</span> <span word="start">start</span>? <span word="Lynnette">Lynnette</span>. <span word="You">You</span> <span word="shouldnt">shouldnt</span> <span word="start">start</span> <span word="with">with</span> <span word="gold">gold</span>, <span word="I">I</span> <span word="can">can</span> <span word="tell">tell</span> <span word="you">you</span> <span word="that">that</span>. <span word="I">I</span> <span word="thought">thought</span> <span word="you">you</span> <span word="might">might</span> <span word="say">say</span> <span word="that">that</span>. <span word="Im">Im</span> <span word="sorry">sorry</span> <span word="to">to</span> <span word="tell">tell</span> <span word="you">you</span>. <span word="You">You</span> <span word="know">know</span>, <span word="hes">hes</span> <span word="probably">probably</span> <span word="seen">seen</span> -- <span word="theres">theres</span> <span word="been">been</span> <span word="a">a</span> <span word="huge">huge</span> <span word="run">run</span>-<span word="up">up</span> <span word="in">in</span> <span word="gold">gold</span> <span word="prices">prices</span> <span word="lately">lately</span>, <span word="but">but</span> <span word="gold">gold</span> <span word="just">just</span> <span word="hit">hit</span> <span word="a">a</span> <span word="record">record</span> <span word="high">high</span>. <span word="And">And</span> <span word="so">so</span> <span word="you">you</span> <span word="dont">dont</span> <span word="necessarily">necessarily</span> <span word="want">want</span> <span word="to">to</span> <span word="buy">buy</span> <span word="in">in</span> <span word="at">at</span> <span word="the">the</span> <span word="top">top</span>. <span word="Im">Im</span> <span word="not">not</span> <span word="saying">saying</span> <span word="gold">gold</span> <span word="doesnt">doesnt</span> <span word="have">have</span> <span word="more">more</span> <span word="room">room</span> <span word="to">to</span> <span word="go">go</span>, <span word="but">but</span> <span word="if">if</span> <span word="youve">youve</span> <span word="just">just</span> <span word="stopped">stopped</span> <span word="living">living</span> <span word="paycheck">paycheck</span> <span word="to">to</span> <span word="paycheck">paycheck</span> <span word="and">and</span> <span word="youre">youre</span> <span word="getting">getting</span> <span word="started">started</span> <span word="in">in</span> <span word="investing">investing</span>, <span word="gold">gold</span> <span word="isnt">isnt</span> <span word="where">where</span> <span word="you">you</span> <span word="want">want</span> <span word="to">to</span> <span word="start">start</span>. <span word="First">First</span> <span word="of">of</span> <span word="all">all</span>, <span word="if">if</span> <span word="you">you</span> <span word="just">just</span> <span word="stopped">stopped</span> <span word="living">living</span> <span word="paycheck">paycheck</span> <span word="to">to</span> <span word="paycheck">paycheck</span>, <span word="before">before</span> <span word="you">you</span> <span word="invest">invest</span> <span word="anywhere">anywhere</span>, <span word="you">you</span> <span word="need">need</span> <span word="to">to</span> <span word="do">do</span> <span word="two">two</span> <span word="quick">quick</span> <span word="things">things</span>. <span word="Get">Get</span> <span word="an">an</span> <span word="emergency">emergency</span> <span word="cash">cash</span> <span word="cushion">cushion</span>. <span word="You">You</span> <span word="know">know</span>, $500 <span word="to">to</span> <span word="maybe">maybe</span> $1,500 <span word="in">in</span> <span word="case">case</span> <span word="something">something</span> <span word="goes">goes</span> <span word="wrong">wrong</span> <span word="in">in</span> <span word="your">your</span> <span word="life">life</span>. <span word="The">The</span> <span word="car">car</span> <span word="engine">engine</span> <span word="goes">goes</span> <span word="out">out</span>. <span word="The">The</span> <span word="roof">roof</span> <span word="leaks">leaks</span>. <span word="Whatever">Whatever</span>. <span word="Then">Then</span> <span word="start">start</span> <span word="saving">saving</span> <span word="for">for</span> <span word="the">the</span> <span word="long">long</span> <span word="term">term</span>, <span word="three">three</span> <span word="to">to</span> <span word="six">six</span> <span word="months">months</span> <span word="worth">worth</span> <span word="of">of</span> <span word="your">your</span> <span word="expenses">expenses</span> <span word="you">you</span> <span word="need">need</span> <span word="to">to</span> <span word="amass">amass</span> <span word="in">in</span> <span word="case">case</span> <span word="you">you</span> <span word="lose">lose</span> <span word="a">a</span> <span word="job">job</span> <span word="or">or</span> <span word="in">in</span> <span word="case">case</span> <span word="some">some</span> <span word="other">other</span> <span word="long">long</span> <span word="term">term</span> <span word="unexpected">unexpected</span> <span word="thing">thing</span> <span word="happens">happens</span>. <span word="Then">Then</span> <span word="you">you</span> <span word="start">start</span> <span word="investing">investing</span>. <span word="And">And</span>, <span word="again">again</span>, <span word="Id">Id</span> <span word="suggest">suggest</span> <span word="something">something</span> <span word="like">like</span> <span word="mutual">mutual</span> <span word="funds">funds</span>, <span word="index">index</span> <span word="mutual">mutual</span> <span word="funds">funds</span>, <span word="low">low</span> <span word="cost">cost</span> <span word="index">index</span> <span word="mutual">mutual</span> <span word="funds">funds</span>. <span word="But">But</span> <span word="I">I</span> <span word="would">would</span> <span word="not">not</span> <span word="get">get</span> <span word="started">started</span> <span word="investing">investing</span> <span word="with">with</span> <span word="gold">gold</span>. <span word="Start">Start</span> <span word="putting">putting</span> <span word="away">away</span> <span word="for">for</span> <span word="your">your</span> <span word="future">future</span> <span word="if">if</span> <span word="you">you</span> <span word="havent">havent</span> <span word="been">been</span> <span word="able">able</span> <span word="to">to</span> <span word="do">do</span> <span word="that">that</span>. <span word="Then">Then</span> <span word="you">you</span> <span word="can">can</span> <span word="go">go</span> <span word="think">think</span> <span word="about">about</span> <span word="those">those</span> <span word="high">high</span> <span word="price">price</span> <span word="metals">metals</span>. <span word="Thats">Thats</span> <span word="a">a</span> <span word="little">little</span> <span word="later">later</span>. <span word="All">All</span> <span word="right">right</span>, <span word="well">well</span>, <span word="Donna">Donna</span> <span word="and">and</span> <span word="Lynnette">Lynnette</span>, <span word="thanks">thanks</span> <span word="so">so</span> <span word="much">much</span>. <span word="Of">Of</span> <span word="course">course</span>, <span word="if">if</span> <span word="you">you</span> <span word="have">have</span> <span word="a">a</span> <span word="question">question</span> <span word="you">you</span> <span word="want">want</span> <span word="to">to</span> <span word="get">get</span> <span word="answered">answered</span>, <span word="wed">wed</span> <span word="love">love</span> <span word="to">to</span> <span word="help">help</span> <span word="you">you</span>. <span word="So">So</span> <span word="send">send</span> <span word="us">us</span> <span word="an">an</span> <span word="e">e</span>-<span word="mail">mail</span> <span word="anytime">anytime</span> <span word="to">to</span> . </p>
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