So I got engaged and bought a house with my fiancee. We lived together for a couple of years but it did not go well and she moved out. So I'd like to keep the house but do that I'll need to get her off the mortgage and off the deed.
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posted by anonymous
on May 22, 2013 -
21 answers
I was looking around for information on long-term investment planning and I ran across
this page, which says that after adjusting for inflation, long-term stock market returns are only 1.9% before taxes. The whole site seems to advocate this sort of really creepy gold fetishism that's been popping up lately, so my natural reaction is to dismiss it. But I still have doubts, and this plays into my anxieties about whether retirement savings is worthwhile at all.
Help me debunk this? (Existential crisis inside.)
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posted by aw_yiss
on May 12, 2013 -
28 answers
I need to take a summer course as a pre-requisite for professional school. Course will not count towards a degree, deeming me ineligible for stafford loans. What are my student/personal loan options?
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posted by DayTripper
on May 6, 2013 -
7 answers
I'm taking a new job with a very small company that doesn't offer a 401k. My spouse's job does offer a 401k. Based on what I see
on this page, with our income, we would not be able to deduct any contributions I make to an IRA, and we're not eligible for a Roth IRA. So what is my best retirement investment strategy?
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posted by primethyme
on Apr 25, 2013 -
10 answers
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 -
7 answers
What jobs outside of education would fit my interests and experiences (most of which are education-related)? Are there jobs related to my math major that will appeal to my need for creative outlets in my work?
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posted by violetish
on Apr 9, 2013 -
9 answers
I am taking over a small business by cutting out the middle man. I need set up the merchant account and there are so many options that have nothing in common I need guidance in what to look for or suggestions of good ones.
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posted by femmme
on Apr 8, 2013 -
9 answers
Hello! I'm in my early 30s and am finally financially stable enough to start socking away some cash in a Roth IRA (my employer does not offer any retirement plans). However, I'm a little worried that, with the market being at such a high, that something will happen due to all the current BS going on with Congress and the market will crash again, and I will lose a good chunk of money. Is this fear totally unfounded? Should I just start my Roth and hope for the best?
posted by emily37
on Apr 2, 2013 -
20 answers
I am a "mature" student, studying at a university part time while working full time. I just learned that I qualify for a Stafford loan of about $7400. I don't need the loan to pay for classes because of my work income, but it occurred to me that I could take the loan, use it to pay off credit card debt I carry at a rate of interest more than 5 points higher than the Stafford loan rate, and then pay the Stafford loan off early. Essentially, debt consolidation using this federal loan. My questions: is this kosher? Is it wise? What I might not be thinknig about.
posted by anonymous
on Mar 28, 2013 -
13 answers
So... There are plenty of help-me-with-my-finances questions on MeFi, but this is more of a relationship question...
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posted by anonymous
on Mar 26, 2013 -
37 answers
Maybe others, especially those in banking, can weigh in on how common these sorts of things are.
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posted by anonymous
on Mar 22, 2013 -
13 answers
Hi AskMefi. Did my taxes as I always do withTurbotax Deluxe. They came out higher than I expected. I'm considering getting a professional to see if I'm making errors but wanted to see if anyone has had a similar experience where they found that turbotax left them with unaccounted or unexpected payments. Any experiences like this?
Thanks.
posted by CaptainCaseous
on Mar 19, 2013 -
16 answers
There are lots of shared expenses apps out there, but I've had a hard time finding one that lets multiple people enter their expenses into the same group group. This is what I mean: several roommates share group expenses. On their respective phones, they have an app that lets them punch in any expense they've incurred. It goes to the same group, and then you can calculate who owes whom. This seems simple, but I'm having trouble finding this feature!
posted by jtajta
on Mar 17, 2013 -
5 answers
I'm looking for a better word or term of art for the most important customer of a company, in particular one that provides the most revenue.
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posted by heliostatic
on Feb 28, 2013 -
22 answers
Hi, metafilter. Been a long time. I find myself in a very weird position, because I have a potential chance to buy a business that already has a very successful foothold in my industry. The weird position comes from not having a single clue as to where to start.
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posted by Jim On Light
on Feb 3, 2013 -
13 answers
Over the last year or so, my interest in Finance has been building steadily, to the point where I’m considering the possibility of a career change.
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posted by molloy
on Feb 3, 2013 -
10 answers
Was negotiating with the lender (credit card) and was prepared and arranged to pay the full amount this spring. Today I received a 1099-C IRS form notifying me that the debt has been cancelled.
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posted by snsranch
on Feb 1, 2013 -
2 answers
I'm not sure if i should discontinue my health coverage or not, and how to handle it - and if there's any way to *temporarily* discontinue my health coverage.
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posted by anonymous
on Jan 30, 2013 -
8 answers
It's January, which means my mortgage servicer (Wells Fargo) has once again determined my escrow account is short by about $300. This seems legit since there was a recent property tax increase.
Outside of personal preference, is it better for me to pay this all at once, or to spread it out over the year? Is it better for Wells Fargo if I do one or the other?
Context: It's probably my tinfoil lined hat, but whenever a bank gives me a choice like this I assume one of the choices will screw me out of a little money, put me in a position to be screwed out of a little money, or put them in a position to make a little more money off of me.
posted by alan
on Jan 30, 2013 -
6 answers
Has anyone had any experience in dealing with organizations like nomoredebts.org or consolidatedcredit.ca?
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posted by cleo
on Jan 16, 2013 -
7 answers
My generous, trusting mother was conned out of tens of thousands of dollars (gradually) by a good-for-nothing young cousin over the course of a few years. When my mother ran into financial trouble last year, she sought repayment of these "loans." The cousin insisted that she didn't have to pay back a cent and promptly disappeared. She reappeared last week with a very large check, written directly to my mother's bank, and written by some random guy. I'm worried that the cousin has simply conned somebody else ("please, my home is being foreclosed on, I really need this loan, you can even write it directly to the bank") to cover part of her debt. She isn't talking, and my trusting mother is angry that I'd suggest such a thing. (So a lawyer is out of the question.) Is my mother potentially complicit in fraud by depositing this check?
posted by anonymous
on Jan 11, 2013 -
15 answers
I am looking for resources-- websites, organizations, books-- on personal and business finance for sex-workers. Topics of interest include paying taxes, dealing with untaxed past income, transporting and storing cash, general and accounting. California or Florida, if that matters. Anon email: endora@hush.com
posted by anonymous
on Dec 19, 2012 -
2 answers
Please recommend podcasts about accounting, economics, or finance. A Canadian focus would be a bonus but not a necessity.
posted by sockpup
on Nov 30, 2012 -
7 answers
Help me understand the reasoning behind continuing the Hostess strike when it has resulted in the company going out of business.
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posted by Ms. Toad
on Nov 16, 2012 -
23 answers
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.
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posted by Slack-a-gogo
on Oct 29, 2012 -
7 answers
This is embarrassing: I'm 25. I don't know the first thing about credit cards and building credit. I do not have a credit card, and therefore, no credit. Where do I even start?
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posted by anonymous
on Oct 12, 2012 -
38 answers
I feel like I've paid enough interest on my student loan. Do any student-loan forgiveness plans exist for middle-class people who actually pay their bills and are not in default?
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posted by anonymous
on Oct 10, 2012 -
10 answers
How would you measure the total health of individual investors?
So the U.S. has a large number of individual investors actively managing their money. Does anyone measure that for both number of accounts and total amount in them? Trying to see if we can track are people more actively investing or less actively investing as opposed to parking their money in mutual funds.
posted by monkeywithhat
on Oct 10, 2012 -
4 answers
Homeowner needs advice: Bought a house one year ago, loan rates at all-time low, what are the benefits of re-financing my loan? Any disadvantages? I'm clueless...
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posted by MMALR
on Sep 30, 2012 -
13 answers
In certain US states political candidates at the local and state level have to spend all of the funding they get for a certain campaign before the November election. In others, they get to keep that pool of cash for future elections. This is what I've heard anyway. But I can't find any kind of definitive list of which state has which law. Does such a list exist in an easily accessible place? How do I find out more about individual state's campaign finance laws without wading through endless Secretary of State documents? And as an aside--does this come up often? Do campaigns ever really bother to hold onto money if they are ahead or do they usually spend the dollars on the current campaign anyway?
posted by Potomac Avenue
on Sep 17, 2012 -
9 answers
Should I pay off my wife's student loans? Should we file our taxes jointly? 60K in student debt!
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posted by anonymous
on Aug 25, 2012 -
7 answers
It's time for a career change, but I'd like some help confirming if this diploma program in accounting would help me land jobs, despite not having a university degree.
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posted by anonymous
on Aug 25, 2012 -
8 answers
Thinking of leaving one of the larger banks for either a community bank or credit union. The problem? My only two credit cards are also through the bank I'm considering leaving. What to do?
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posted by po822000
on Aug 21, 2012 -
12 answers
Can anyone point me to a financial analysis of what would happen if Quebec separated from Canada?
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posted by Shepherd
on Aug 21, 2012 -
1 answer
Just how bad is the work/life balance in accounting and related finance careers?
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posted by Ryogen
on Aug 12, 2012 -
5 answers
