[Answer] 8. Some financial counselors say that this important monthly payment should not exceed 1/4 to 1/3 of a person's monthly income.

Step 1 : Introduction to the question "8. Some financial counselors say that this important monthly payment should not exceed 1/4 to 1/3 of a person's monthly income."

...1. Pizza and beer 2. Jellybeans & Shoes 3. Caviar and champagne 4. Rent or mortgage payment This is a good recommendation. It is tempting to buy (or rent) the biggest and fanciest house you can get (and home lenders are often willing to finance a larger home than you can realistically afford). But when you add in transportation, food, clothes, utility bills and other expenses, it can be tough to make that payment. You don't want to default on a mortgage payment, so your best bet is caution. Be realistic about the kind of housing you can afford. It all goes on your credit record (see Question 3).

[Answer] 5. If you can afford the monthly payments and the insurance, does it make any difference what make you buy as far as cost for maintenance and repairs are concerned?

Step 1 : Introduction to the question "5. If you can afford the monthly payments and the insurance, does it make any difference what make you buy as far as cost for maintenance and repairs are concerned? "

...1. Yes, since exotic makes are less expensive to maintain. 2. No, none what so ever. 3. Yes, since exotic makes are more expensive to maintain. 4. Yes, you should always buy Ford since they make the coolest cars. Buying an exotic make, such as a Ferrari and Lamborghini, versus buying a common make, such as Ford and Toyota, can end up costing you a big chunk of change. Aftermarket parts are more readily available for the more common makes and are less expensive than factory parts. To give you an example, I just recently tried to find an alternator for a 2006 Ferrari F430 Spider which turned out to be quite the hassle, and a grand total of a bit over $1,400. I can easily get a brand new alternator for a 2006 Ford Mustang at Kragen for $284.44. Also keep in mind that few mechanics specialize in exotic cars, so if you can't do the job yourself it can be tricky to find someone that can do it for you at a reasonable rate. If you're interested in finding out which cars have lower maintenance costs compared to others, IntelliChoice comes out with a SmartChoice Maintenance Costs Award each year that can be found at www.intellichoice.com.

[Answer] 6. How important is it to give your dog monthly preventative medication for heartworm?

Step 1 : Introduction to the question "6. How important is it to give your dog monthly preventative medication for heartworm?"

...1. not needed at all 2. not very important 3. very important in certain parts of the USA 4. only needs it twice a year Cats need monthly preventative, especially in endemic areas.