I’m employed, and I’ve maxed out my Roth IRA. I also have a small business on the side, so can I do a SEP as well?

I’ve always been interested in real estate, but the only experience I have has come through owning my own home here in Atlanta. I’m not sure I’m enough of a handyman to fix up houses to sell, but I’ve never thought of myself as a landlord, either. What advice can you give me?

How do you buy a surprise gift for your spouse when you both see the budget and handle the checkbook?

I’m looking at allocations for my mutual funds. What’s the difference between mid-cap growth and mid-cap value?

I’m 17, and my personal finance class at high school has been watching your course. I want to begin investing early to take advantage of compound interest, so I want to start a Roth IRA. Which mutual funds would you advise investing in while I’m still trying to save for college?

I’ve never had a credit card or a bank loan, so I really don’t have any established credit. What should I do when it comes to a cell phone contract or establishing utility service? Also, what will happen if I try to get a mortgage loan at some point?

My wife is about to receive a sizeable inheritance from her father. Do you think we should tithe on the principal sum that she receives?

I’m 10 years away from retirement and just now starting to invest. I know you recommend mutual funds and spreading your money evenly across growth, growth and income, aggressive growth, and international. Considering what’s happened with the market recently, should I adopt a more conservative approach?

I’ve got auto insurance, but can you tell me what other kinds of insurance are good to have?

I have a small business with 17 people in the main office and another 44 mobile techs in the field. We had a merger last year, and although we’ve overcome rivalries and other difficulties, gossip is a huge issue in the office. How can we solve this problem and still maintain morale?