Please tell me what wireless plan to get for my family! We have four lines (mom and dad, two grown kids) on our family plan from Verizon for $188/mt. I think we can pay less but I'm really overwhelmed by all the options and possibilities. [more inside]
posted by Snarl Furillo
on Nov 20, 2013 -
I have a small freelance business, and for convenience's sake many of my clients choose to pay me via PayPal. What are the best practices I can implement to reduce the fees I pay? Or just general best practices where this is concerned? Or...other ways to accept payments? [more inside]
posted by BlahLaLa
on Oct 30, 2013 -
When I use a discount code on a food delivery website (seamless/grubhub/delivery.com) does that money get taken out of the website's cut, the restaurant's payment for food (or the delivery guy's tip?), or is it split somehow, or what? [more inside]
posted by yeoz
on Oct 27, 2013 -
We have a collection of old foreign money that we'd like to get rid of. What's the best thing to do with it? Complicating factors: not that old, not that much, not exactly a curated collection, we're in Canada. [more inside]
posted by jacquilynne
on Sep 6, 2013 -
For reasons that were mutually beneficial at face value, I sold my car to my SO's parent. However, therein lies the problem.. any way to get myself in a better situation than the one I've inadvertently gotten myself into without realizing the full ramifications of my decision? [more inside]
posted by lunastellasol
on Sep 5, 2013 -
I've recently acquired a small sum of money and I'd like to put it somewhere where I can't touch it, except in emergencies. It's not a massive amount, but its more than I usually have on hand and I'd rather not squander it. If I just leave it in my bank account I know I'll end up using it up. Where can I put it so that its aavailable in emergencies but is still hard to access? If it gains interest that would also be good. I'm in Australia.
posted by Charlemagne In Sweatpants
on Aug 20, 2013 -
My 33 year old older brother is sponging off my parents and isn't getting a job, I'm worried that he's going to get kicked out of my parents' house. He got fired a while ago and I'm pretty sure his main problem is depression/having given up; I'm pretty sure he's better than this though. [more inside]
posted by GoingToShopping
on Jul 29, 2013 -
I'm trying to find a new job so I can start actually saving some money and move into my own place. I'm a college grad with a linguistics degree living in northern NJ. For the past three years, I've been living with family, paying a small amount of rent each month, living a paycheck-to-paycheck existence and working a job I don't particularly enjoy. I'm done with this, but I don't know where to begin. I know there are a lot
of posts such as this one on here, but I'd like to try to find answers particular to my situation. [more inside]
posted by zchyrs
on Jul 3, 2013 -
As we discuss our future together, and with other big changes afoot/underway, my boyfriend and I would like to see financial advice about some specific questions/scenarios but I'm not sure what kind of advisor we should be seeking out. [more inside]
posted by marylynn
on Jun 8, 2013 -
I come from a family where we didn't have so much. My parents were ok but tight.
I studied until 32 years old, did a master degree and now I have a good job that pays me well and I earn twice what my parents are earning together. And I can see that my salary is going to grow fast over the next years. The more I earn, the worst I feel. It's like I don't deserve so much. But believe me, I worked hard at school, paid all my tuition myself by working part-time while studying. But I still live like when I was earning 30k$ per year. The extra, I save it, I don't spend much. So I have now a huge saving account instead of enjoying except for travelling.
By the way, my parents never made any bad comment about my situation. They are proud of me, not jealous at all. So it's all in my head. I feel bad also because a lot of people struggles, don't have job or has to go to charity for food. My friends earn about the same as me so nobody's jaleous.
I would like to feel proud of making money instead of feeling guilty. What should I think so that I can feel proud?
Thanks for your help!
posted by daile
on Jun 8, 2013 -
I have between 80K and 100K euros in a savings account in the Netherlands. If I need to transfer this to the UK (to, say, buy property), what is the best way to do this? I am a US citizen, current EU resident, possible near-future UK resident.
posted by Philosopher Dirtbike
on Jun 1, 2013 -
I lent my cousin a very special item. Now they won't give it back. Do I fight or retreat? [more inside]
posted by mumimor
on May 31, 2013 -
I'm hoping to start our food and sundries budget off on the right foot by shopping the sales as much as possible, but going through flyers and/or finding coupons on store at a time can be really tedious. There has to be a site or app for this, but I seem to be striking out.
Any recommendations from the hive mind? Bonus made-up points for anything that lets me set even basic alerts.
(The Canada factor is key--the initial few apps I've looked at have been US-only.)
posted by Decimask
on May 29, 2013 -
Are they good for using as a nest egg of sorts (e.g. money to live on when I'm in between freelance gigs) or for saving up for something specific (a vacation, Invisalign braces, etc.)? [more inside]
posted by Anima Mundi
on May 27, 2013 -
I went back to school to get some certificates. During the two years since I finished, I have never received even one invoice for my education debt. I have not been contacted in any way. I can't even figure out who I owe money to. Am I going to be in trouble? [more inside]
posted by matt_arnold
on May 16, 2013 -
Here's what I'm wondering. I recently discovered that an old respected friend is studying to become a Dianetics Auditor. My friend had a rough patch a few years ago and ended up feeling happier after undergoing Dianetcs Auditing. Good for her, I say. All I know of the church makes it seem like a nonsensical cult-like place that takes your money, but she's happy. [more inside]
posted by kinetic
on May 16, 2013 -
I saw a post on tumblr, about why some larger bills have little stamps on them. The reason they gave is that drug dealers will stamp the bills to keep track of them. This makes absolutely no sense to me.
So question one is, does this sound accurate? Does anyone have any way of saying if this is or isn't true?
Question two, why the heck are these stamps on bills?
Here's a picture
of a purported drug dealer stamped bill.
posted by trogdole
on May 11, 2013 -
Many years ago I read an essay that was pretty critical of the way so much fantasy fiction could not build believable societies with plausible economic underpinnings. The author was fairly concise and snarky, arguing that (I'm paraphrasing here) she could suspend disbelief about dragons and magic, but that she couldn't slog her way through a book where not the least bit of thought had been given to how all these characters and their associates could make a living, grow or acquire food, and otherwise acquire money and engage in trade. I think
it was an essay by Joanna Russ in Fantasy & Science Fiction in the 70s, when she had a regular book review column there, but I could be conflating like mad.
posted by maudlin
on May 7, 2013 -
Let's say hypothetically someone had $100,000 in cash and they wanted to convert it to some other item of equal value and store in a safe deposit box. What would the best item be? In the movies it tends to be some kind of certificate like bearer bonds, or precious metals, artwork, or jewelry. What choice is the most secure and likely to retain its value over time?
posted by averageamateur
on May 4, 2013 -
Our house is entirely plumbed in copper. Even the ginormous pipe that leaves the house to go out to the sewer.. whenever people see the maze of pipes in our basement, they comment on how valuable it is. But really? I mean, besides all the work of tearing it out and dealing with the weight, etc etc, how would a normal person like me turn it into money????
[Not that I want to; I just ponder these things sometimes.]
posted by Tandem Affinity
on Apr 27, 2013 -
I'd like a resource, be it a website, blog, book, etc. for learning about money, such as explaining inflation, compound interest, types of savings accounts, etc. I'm basically trying to learn how money works. Thanks. :)
posted by Cybria
on Apr 22, 2013 -
So, I just found out about SmartyPig
, which offers a 1% APR. I've been using INGDirect (now Capitol One360) as my primary savings account for years, and while I've been generally happy with them, they only offer 0.75% APR. Are there downsides I'm not seeing to switching over to SmartyPig? Have you had excellent/terrible experiences with either of them that would lead you to recommend or vehemently oppose their use?
I'm not sure if it makes any difference, but my checking account is with BBVACompass, who's the bank behind SmartyPig.
Any insight would be much appreciated!
posted by csox
on Apr 19, 2013 -
Asking for a friend. YANHL. A couple has divorced, wife has a local civil service pension and husband a federal civilian pension. The judge ruled they would split each pension 50/50, instead of letting them keep their own. She has sent her court order to his pension board and has received acknowledgement. She has been unable to get any answers from the pension board about what happens now. He has left federal service but has not retired.
Does she have to wait until he retires to start receiving her monthly checks from the federal system? Can she start getting them when he reaches retirement age even if he's not retired? Who can she contact that will answer her questions? Would CC'ing her Senators/Rep on her emails help or hurt? Thanks.
posted by 1066
on Apr 4, 2013 -
My main squeeze is moving in! Our finances are starting to be a little more comingled and I'm looking for the best, healthiest way to start having a regular "money check-in" as part of our new life together. He is on board with this. How do we structure the conversation? Is there a sample agenda? Do we make it a date night? Help, please. [more inside]
posted by amoeba
on Mar 26, 2013 -
I have come to the conclusion that I am bad with money, and I need help. The question is, who can provide me with the help I need. I've researched various professions online and have a hard time telling who would best suit my needs: a bookkeeper, an accountant, a financial counselor, a daily money manager, someone else entirely?? More than one of these?? [more inside]
posted by buddylove
on Mar 6, 2013 -
Short version: Outpatient facility acknowledges they owe me money but has not paid up. Their eternal answer is "The check will go out Thursday. We know it was supposed to go out last Thursday but it will go out this Thursday. Promise!" It's been over a month now, and I've called several times a week. How do I get my money back? More details inside if you want them. [more inside]
posted by rednikki
on Feb 26, 2013 -
I'm desperately trying to become an adult (finally!), but I can't wrap my head around 'classic' budgeting software. Suggestions and tips to find what I really need? [more inside]
posted by hanov3r
on Feb 14, 2013 -
I live in a cooperative household in California - 8 people total - and we have a house bank account that we use to pay for communal food, toilet paper, etc. as well as rent. We all deposit $ in the account, and our house treasurer writes one big check for rent that our landlord cashes. Now the local credit union wants us to pay taxes on the money going in and out of that account, which we've never encountered in the ~5-10 years the house has been running things this way. What to do? [more inside]
posted by wintersonata9
on Jan 31, 2013 -
A friend in the same field as me, who was underemployed last year, helped me on a project last year. Over the whole year it was a total of 32 hours (I paid him at $50/hr). Now he's asking for a W2. I think it's pretty clear that he was not an employee (W2), but rather an independent contractor (1099). Aside from inventing a time machine to go back and clarify the terms (which I didn't think would be a problem, considering our friendship), what should I do here? What's at stake?
posted by Anonymousness
on Jan 30, 2013 -
I would like to transfer $ 5000 from an account in Italy to my bank account here in the State. Can it be done electronically and if so, how?
posted by francesca too
on Jan 29, 2013 -
I have a few new couple acquaintances that are on their way to becoming friends. Here's the trouble. As I get to know them more, i realize that there is a common thread about most of them. They are all quite pre-occupied with "how do i make more money" in life. [more inside]
posted by gadget_gal
on Jan 27, 2013 -
Do I have any recourse against my employer, who misled me about the terms of my hire, and can you recommend some resources to quickly
find work and make him my ex-employer?
I'm in Ontario, I am already a recipient of assistance (because I) do not get enough work to be eligible for unemployment. [more inside]
posted by windykites
on Jan 17, 2013 -
Chegg contacted me to ask if I wanted payment or credit for what appears to be someone else's books -- I'd like for the actual seller to earn the money, but it's hard to contact Chegg by phone or chat. [more inside]
posted by neitherly
on Jan 17, 2013 -
What are your best tips for saving money in ways that don't impact your quality of life and don't require much effort?
I'm talking about things like: cut the dryer sheets in half, get twice as much out of a single box, impact on quality of laundry = 0, effort = nearly 0.
posted by bq
on Jan 14, 2013 -
What is the most prudent way to go about choosing, managing, and strategizing my "future" real estate empire? [more inside]
posted by locussst
on Jan 14, 2013 -
So I'm looking to move from SF to Seattle (in part to save money) - can I get a loan and buy a place? Would that make sense? [more inside]
posted by alaijmw
on Jan 7, 2013 -
Job hunting and money hacks for less-than-shoestring budget while returning to school? Help me not become a fatality of class warfare. Very complicated and snowflakey stuff inside. [more inside]
posted by Ephelump Jockey
on Jan 1, 2013 -
I need some advice about career plans, graduate studies and whether to rent or to own. Mostly in the financial context but also, of the bigger picture view -- am I being overly optimistic, am I too focused on career? [more inside]
posted by table
on Dec 31, 2012 -
My husband and I have a bunch of money leftover at the end of each month after bills have come out, but we don't know where it is. [more inside]
posted by ThaBombShelterSmith
on Dec 3, 2012 -
UK Rental filter [posted for a friend]: My friend paid the deposit + first month's rent for an apartment, but has yet to sign the lease; his circumstances have changed suddenly and he now wants to back out - can he get his money back? [more inside]
posted by gmb
on Dec 2, 2012 -
I read this article
and I'm fascinated by the effects of current events on how money moves through the world and how money seems to affect other money. I've found a new interest! But, I don't even know what it's called! How can I study this? [more inside]
posted by windykites
on Nov 8, 2012 -
Parents bought a $1.8k plane ticket for my friend and now she's agreeing to wire back $900 into my account. She had agreed to pay back the full price initially. How do I get the rest of the money back? [more inside]
posted by lyinlion
on Nov 7, 2012 -
Is there a best way to go about finding and hiring a financial planner? I'm in the Western suburbs of Chicago and am not sure where to start the process or what are the key things to look for. [more inside]
posted by Slack-a-gogo
on Oct 29, 2012 -
You have your own business (or like me, help manage one). You have an initial consult fee which is lower than your hourly rate but still a high number ($250). When you receive cold calls, how do you broach the number without clients freaking out. We do not to any free consultations. Examples inside. [more inside]
posted by Danithegirl
on Oct 29, 2012 -
I do NOT want to come in to work today. My shift begins in 3 hours and I'm seriously considering just not showing up. One week working there and I already want to quit - HELP! [more inside]
posted by HiphopAnonymous
on Oct 21, 2012 -
Have you ever manned a booth at a carnival, fair, or expo? I'm running a booth and selling items at a weekend fair that will benefit a volunteer organization. What do I need to know? [more inside]
posted by Fairchild
on Oct 5, 2012 -
A little more than a month ago, I started a full-time telecommuting job that I thought was my dream job. When I took it, I was working part-time (and had been since my son was born two years ago). This is my first full-time job since becoming a mom. I now think I made a big mistake. [more inside]
posted by trillian
on Aug 14, 2012 -