If you have options all you have is the promise of money. It's like the lottery.

If you have a choice, pick a different departure date.

This is a very complex area. In setting up a trust, I would always seek professional help?trusts are a lot more complicated than doing a tax return.

Stock options can overshadow the value of a retirement plan in a heartbeat. I've had clients who made millions by waiting a few weeks.

Consumers are biting. They're biting because the opportunities are good and in part because they see that the bank is making a statement to them: 'You can afford it' -- when, in reality, most cannot.

It's not like law or medicine where there are extraordinary standards.

They are signing on for large debts with low initial interest rates that can skyrocket ultimately.

This is something I approach delicately with my clients.

You should get good, unbiased advice. It's an intricate analysis.

Bad debt is debt that is used to enhance consumption.