As chief strategist/consumer education for Charles Schwab & Co. Inc., Schwab Pomerantz is a leading advocate for individual investors. She speaks and writes extensively about personal finance issues and is a driving force in the movement to improve financial literacy in America. As president of the Charles Schwab Foundation, she also oversees the company's philanthropic strategy and resources. With her father, company founder, chairman and CEO Charles R. Schwab, Schwab Pomerantz co-authored "It Pays to Talk: How to Have the Essential Conversations With Your Family About Money and Investing," which Publishers Weekly called "a well-rounded primer that provides one-stop shopping for the many phases of financial understanding and planning." Schwab Pomerantz is a sought-after speaker whose public appearances have included appearances on "The Today Show," CNBC and NPR. In 2001, Working Woman magazine recognized her as one of four "Market Movers" in America who are "rewriting the rules of finance," and she was also recognized as one of the "25 power Elite" in the financial services industry by Investment News. For four consecutive years, The San Francisco Business Times has named her one of the San Francisco Bay Area's 100 Most Influential Women in Business. A graduate of the University of California, Berkeley, with a bachelor's degree in Political Science, Schwab Pomerantz later earned a master's degree in business administration from George Washington University. She holds NASD Series 7, 63 and 8 registrations. http://www.townhall.com/columnists/CarrieSchwabPomerantz http://media.townhall.com/TownHall/icons/TH-feed-icon-128x128.gif http://www.townhall.com/columnists/CarrieSchwabPomerantz TownHall.com, Where your opinion counts. 128 Copyright (c) 2009 Townhall.com, A Salem Communications Web. ALL RIGHTS RESERVED jim.dearras@townhall.com (Jim De Arras) Wed, 11 Nov 2009 05:01:00 GMT Wed, 11 Nov 2009 05:01:00 GMT http://blogs.law.harvard.edu/tech/rss RSS.NET: http://www.rssdotnet.com/ Dear Carrie: I'm 55 years old and I got out of my 401(k) plan. I have a lot of payday loans and am really struggling. Can you offer me any advice? -- A Reader Dear Reader: I'm so glad that you wrote in. If you're... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/11/11/payday_loans_out_of_control_get_help_now 8dda7014-c198-49b3-964f-70e0cd3f9b81 Wed, 11 Nov 2009 05:01:00 GMT Dear Carrie: I was laid off and am seeking employment. I am 60. Would you advise using my IRA funds in an emergency if my unemployment benefits end? What would the penalties be for doing so? -- A Reader Dear Reader:... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/11/04/ask_carrie_is_your_ira_an_emergency_fund 9c877a2f-073d-4c96-8275-eb50d6c01eef Wed, 04 Nov 2009 05:01:00 GMT Dear Carrie: I'm a 43-year-old male who bought a $300K home six years ago and have it paid off completely. With interest rates so low, I'm wondering about taking out a mortgage and putting the money into the stock... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/10/28/is_it_a_good_idea_to_borrow_in_order_to_buy_stocks 2e6c4732-890e-4737-a485-a89d26ea7017 Wed, 28 Oct 2009 04:01:00 GMT Dear Carrie: How much can a person who is 55 invest yearly in an IRA that is tax deductible? -- A Reader Dear Reader: It seems like such a simple question. But the answer is anything but, thanks to the complex web... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/10/21/ask_carrie_maxing_out_your_tax-deductible_ira 6caaa58b-4cfc-4ac6-a082-19ef554cf52c Wed, 21 Oct 2009 04:01:00 GMT Dear Carrie: How much should one save as a percentage of their income? Ten? Fifteen? Twenty? -- A Reader Dear Reader: Thank you for focusing on one of the simplest -- but most important -- questions in financial... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/10/14/ask_carrie_how_much_should_you_be_saving f74c6b8d-f44e-4534-85f6-91b33ec5f8ec Wed, 14 Oct 2009 04:01:00 GMT Dear Carrie: My husband and I are 60 and 55. We have been maxing out all retirement savings for decades, including post-tax IRA and regular savings. We have seen $1 million in savings shrink by 40 percent. What do you... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/10/07/recovering_from_the_downturn_you_cant_change_the_past,_but_you_can_help_shape_the_future 502db184-be9b-4fa9-9020-a13e0b32016a Wed, 07 Oct 2009 04:01:00 GMT Dear Carrie: I am investing $5,000 for each of my two daughters who have graduated from college. What are your suggestions? -- A Reader Dear Reader: Giving your adult children some capital for their future is a... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/09/30/giving_money_to_your_adult_children_use_it_as_an_introduction_to_investing b3ef9a53-1681-40c7-9fc5-662047decdeb Wed, 30 Sep 2009 04:00:00 GMT Dear Carrie: I am a single, 43-year-old female and, at the advice of my insurance agent, I've been carrying a term life insurance policy since age 22. I also participate in my company's life insurance plan, which is... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/09/23/life_insurance_when_it_makes_sense_and_when_it_doesnt cfe61927-af87-4e47-bb9d-a68abe365544 Wed, 23 Sep 2009 04:01:00 GMT Dear Carrie: Many projections of what you need to save for retirement are based on 30 years. But if your life expectancy is only 15 years, is it reasonable to divide those projections by two? -- A Reader Dear... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/09/16/ask_carrie_how_to_plan_for_a_shorter_retirement 5b57c277-16f1-4c23-a1d2-e4c44a84de95 Wed, 16 Sep 2009 04:01:00 GMT Dear Carrie: My husband died recently, and it's just me now. Who will look out for me if I have issues with Medicare or Social Security? -- A Reader Dear Reader: My heart goes out to you as you adjust to the loss of... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/09/09/suddenly_alone_where_can_you_turn_for_help cc7d4ac5-c243-4935-b69b-a3577a06b912 Wed, 09 Sep 2009 04:01:00 GMT Dear Carrie: When I went to college, my father told me he would help me get grants and loans. When I graduated, he said he would pay my debt. I never got a chance to ask him how he paid for it, but he did. He... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/09/02/whats_the_best_way_for_a_parent_to_help_pay_off_student_loans 350f0dc0-75a3-4ce7-a23f-a9c2c4c5ecf6 Wed, 02 Sep 2009 04:01:00 GMT Dear Carrie: On the $1 million lifetime exclusion: Is that per recipient or giver? Is the $1 million exclusion per spouse or per family? -- Debbie Dear Debbie: Just about everything having to do with gift taxes is... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/08/26/making_sense_of_the_gift_tax d40426ea-9894-4e7e-a2cd-0aec09952328 Wed, 26 Aug 2009 13:24:54 GMT Dear Carrie: I want to switch my stocks for mutual funds and manage my money myself. I have about $1 million in bonds and $350,000 in equities. I need to produce approximately $50,000 a year to live on. Any... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/08/19/managing_your_portfolio_what_to_think_about_when_you_want_to_do-it-yourself 112d04b6-6119-463a-9fa2-4273fe5621e6 Wed, 19 Aug 2009 04:00:00 GMT Dear Carrie: I'm a single, 43-year-old female and have saved money my entire life. I keep hearing about long-term care insurance. Is this something I should buy? -- A Reader Dear Reader: As our population ages, it's... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/08/12/ask_carrie_the_cost_of_long-term_care ee254f56-94dd-450d-9763-8f7c51656dc0 Wed, 12 Aug 2009 04:01:00 GMT Dear Carrie: I am planning to start collecting Social Security at age 66, since I fall in the age group from 1943 to 1954. Will I still be able to work without restrictions on the income I make even though I am... http://www.townhall.com/columnists/CarrieSchwabPomerantz/2009/08/05/ask_carrie_social_security_benefits 3c40b202-b928-4843-9edd-47b38873c4dc Wed, 05 Aug 2009 04:01:00 GMT