My daughter is headed to college in 2017. She's jumping into the big process of selecting/looking/applying, and I am jumping into finance/panic process. One thing I am seeing as we research schools: Many private schools, liberal arts and larger, are reported as being quite generous with grant aid. I need a reality check. [more inside]
Total investment newbie in need of advice on how to get started with investments and what type etc. [more inside]
I bought an extended warranty with my new Honda back in 2007, and the contract expired in 2013. Is there any remaining value to cash out, and how much might I be owed? [more inside]
We're a dual-freelance household looking for a cloud-based budgeting and bookkeeping system that doesn't suck. [more inside]
Could anyone recommend a good site for real time stock market news? Immediate news, if possible. Today the market started out down, then turned around and is heading up like gangbusters. I'd like to find the news that precipitated that turnaround.
Specifically, how can I be sure that my medication purchases at the grocery store are properly tallied as 'qualified expenses?' More generally, how does the IRS keep track of your purchases using funds from an HSA? What's to stop someone from using their HSA to pay for non-medical expenses? [more inside]
I'm looking for a really great bookkeeper/accounting firm for a small but growing business using Quickbooks. Snowflake: MUST BE AMAZING. [more inside]
I'm rich. Am I rich enough to live in the Bay Area? [more inside]
My relationship with my partner has become 'real' enough that I want to start the conversation about merging finances. However, I don't want us to just hack together a plan- is there a guide of any sort for how a young couple should start this process? [more inside]
I'm looking for good sources of basic-ish information on the global financial crisis of 2008, i.e., what caused it and what the short- and long-term aftereffects were. I'm also looking for one specific video I saw around that time. [more inside]
Sort of had to maul the question title, but it's straightforward enough... I work in a finance job with a substantial end of the year bonus. I'm also planning on quitting the second it is safe to do so... I know that merely getting the number is NOT safe, but once it is in my bank account, am I good to quit? I'm not really sure what to look for! But once the money is in my account, can they do anything?
After 2 years of asking my husband finally got around to trying to move the funds from an old 401k & rolling them over into his current 401k. Unfortunately mistakes were made & instead of simply having the money transferred from one account to another he closed the old account & withdrew all the money. Now it appears we are going to take a tax + 20% penalty hit on the amount. Is there anyway to get the money into his current 401k without losing money? [more inside]
Since I recently moved back into the parental home and started a full time job that I love, I'm finally in a position to save some money. According to the news, the housing market is starting to cool, so I'm considering saving up for a house. But is there actually any way that I would be able to manage this in my situation? Details inside. [more inside]
Who do I contact for specific financial advice for seniors? [more inside]
Some close, older relatives make terrible financial decisions, and are unwilling to stop. My wife and I are liable to wind up financially responsible for them when the money runs out in a few years. How can we wash our hands of this situation (or can we)? [more inside]
We're saving for a wedding and paying down debt and trying not to go crazy in the process. Any advice? [more inside]
A few years ago, a friend was staying with me for an extended period of time. Although he has residency over here in the UK, he is still a US citizen and 'temporarily' used my address for bank statements etc. How do I get the IRS to stop sending his letters to my house? [more inside]
I know the first and best answer is LAWYER, but I would like all the tips, tricks, advice, resources, and help yall can give to women who know the divorce should happen, but kids and money are issues. Maybe a step by step divorce and post divorce survival guide? [more inside]
I may need to fly across the U.S. (SMF to BDL) at the last minute. I'm looking for deals but so far have turned up nothing below $900 for a round trip flight. Yowza. I'm looking at Kayak which brings up priceline, Expedia, travelocity, eDreams, and OneTravel. Where else should I look?
I am a known financially developmentally delayed idiot. No really. I hate money. And I want to start a music and art festival on a slim budget and start building a framework to be able to raise funds for it and keep it all clean and kosher and separate while keeping my day job and tax bracket. How do I do this? [more inside]
My well-intentioned mother keeps trying to help me financially and it's causing problems. [more inside]
I'll be paying off my student loans in the next year or so. When that's over, I'll be completely debt-free. I don't really want a credit card, and I'm not planning any big, credit-required purchases for the foreseeable future. I don't want to rule anything out though, and am interested in maintaining my hard-earned good credit score. So what should I do now? [more inside]
I owe $40k in student loans. Not sure of the best way to proceed, so am reaching out for advice. More under the fold. [more inside]
I'm in Washington State with a Premera Blue Cross HSA HDHP. I'm maybe, finally, in a position to start funding an actual health savings account, not just pay my household's premiums (~$400/mo for two people) and treat my insurance as a lame catastrophic plan. I'm having trouble finding a good account provider, though, and would like some recommendations. [more inside]
Should I put a 300K cash windfall into buying my first home, or into a Vanguard fund to generate interest? Details inside. [more inside]
I am in my late twenties and beginning to realize I don't understand how credit cards work and that they kind of matter. [more inside]
I've recently been looking into trading financial markets (e.g. forex, shares, etc.) However, my conclusion is that it takes a very long time and a lot of effort to do it right. I could put this effort if need be, but would prefer to focus on my career at this point. I had the thought that it would be nice to find someone who has achieved a degree of success in trading to manage an account for me (i.e. division of labor). But where would one find such a person? [more inside]
Asking for a friend: after many false starts my friend has decided to pursue a BS in biology with the long range plan to teach middle or high school. But he is totally broke and has no plans to go into deep debt for his degree since teaching is not a lucrative career. [more inside]
Looking to get life insurance. Was wondering which companies to consider? No health issues to take into consideration. Would you recommend term life / whole life? I was thinking of going term life and then converting to whole life later.
According to this: But how will Bing Rewards be impacted?
So the issue is this: I would like some ideas about how an organisation helping children by educating them, making them do sports, etc. can obtain money for the electricity, food, maintenance. [more inside]
My wife is Ecuadorian, and we are relocating to California permanently. She has two credit cards issued by a major Ecuadorian bank, and we need to figure out how to make payments on them from the United States, as there are some charges that will post after we have left the country. The bank assures us that we can do so from Cirrus-network ATMs in the United States. I am skeptical, as I have never seen anything like this in Los Angeles. [more inside]
Here's my situation: female, late 40s, employed homeowner. Moving in with my boyfriend, also a homeowner. What to do with my house for best financial stability/payoff in the future? [more inside]
How can I make my personal finances as green and as socially responsible as possible? (Other than by donating to causes.) [more inside]
Current company is in transition, but... a new job offer has me thinking about leaving. They aren't offering as great of a retirement package. I'm not sure it is even close! What should I do? [more inside]
I would like to buy a Toyota Sienna. I was going to lease because of the financing, but now figure a purchase is the way to go. We are willing to put down enough to warrant 0% financing, our goal is to keep the payment below $300. [more inside]
How can I decide whether to buy or continue renting? [more inside]
Where can a non-finance person go to learn about domestic and foreign sovereign debt in Hong Kong? [more inside]
Time to move out, my friends. I realized I'm being threatened to be disowned again. However, unlike the other times I think the other person might be serious this time around. So tell me about all the resources needed and how fast can I leave? [more inside]
Inflation is ~1.75% and the best savings account I can find is 0.75%, so I'm not even keeping up with inflation. Can I save money in a safe, liquid, way, without accepting a negative real return? [more inside]
I'm done with charitable organizations. I'm looking to help real people in real situations. I need help figuring out how to find these people and help them out in the least dramatic way possible. [more inside]
I am new to You Need a Budget so I'm trying to get everything set up properly. I have one thing that I don't know what to do with - I have a credit card that, for now, is being paid by someone else. When I set this up as a credit card, YNAB counts it as debt that I should be budgeting for. Really, I want to set it up as an income of $200 monthly. Any input on how to set this up, which type of account? "Cash" or something else? Thanks in advance!
Is this a dishonest way to raise money? [more inside]
I'm feeling frustrated with my automobile situation and don't really know where to start. The gist of it is that I can't really afford the payments and maintenance on my car, and I think I want out, but I don't know how. [more inside]
Currently in a marriage where the love has faded. Looking for advice. Blah. Blah. Blah. [more inside]
Has anyone had any experiences using a peer-to-peer lending service such as Prosper or Lending Club? I'm considering one of these as an option to get a credit card under control. I've done a bit of research and it seems like an appealing option to me. [more inside]
My wife works in Corporate Treasury and has been considering creating a blog that discusses the intricacies of that career. One reason she wants to do this is because she cannot seem to locate any similar blogs or forums on this topic. So is anyone out there in any way connected to this realm and, if so, do you have any recommendations for her new endeavor? Also, if there are some noteworthy resources you think might be helpful, feel free to post them. Much thanks.
Is there any benefit to dropping the interest rate on a seller-financed mortgage note "just because"? [more inside]
I'm about to make an offer on a home. I've seen six different loan scenarios from two different lenders. The monthly payments and $ to close are all in the range that I can afford, so I will probably just pick one for the offer and pre-approval letter. I told my realtor that after the contract is accepted, I want to sit down with a CPA of some sort (yes Metafilter, fee-only) and figure out which is best for me, given my tax and employment and personal details that the lenders don't seem to want to consider. She said that she has never had a client ask for that before. Really?! [more inside]
My landlord wants to sell me the condo I rent. I want to buy. I'm working on my credit to get into buying shape. She doesn't want to involve realtors in order to save costs. Who should I be talking to then? Special snowflakes inside. [more inside]