936 posts tagged with finance.
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New Car, best deal, 2015?

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]
posted by silsurf on Apr 21, 2015 - 4 answers

Resources to decide whether to buy a home?

How can I decide whether to buy or continue renting? [more inside]
posted by btkuhn on Apr 14, 2015 - 4 answers

Resources to learn about Hong Kong's domestic & foreign sovereign debt

Where can a non-finance person go to learn about domestic and foreign sovereign debt in Hong Kong? [more inside]
posted by melancholyplay on Apr 8, 2015 - 3 answers

TIme to go

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]
posted by chrono_rabbit on Mar 28, 2015 - 26 answers

I've got the zero percent fed funds rate blues

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]
posted by jcreigh on Mar 21, 2015 - 10 answers

I want to give money away. I can't seem to figure out how.

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]
posted by anonymous on Mar 19, 2015 - 39 answers

Question about You Need A Budget (YNAB)

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!
posted by carlypennylane on Mar 14, 2015 - 5 answers

How much to self-publish?

Is this a dishonest way to raise money? [more inside]
posted by mermayd on Mar 12, 2015 - 22 answers

A very expensive, very mediocre car. There's got to be a better way!

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]
posted by witchen on Feb 23, 2015 - 20 answers

When the end is nigh....

Currently in a marriage where the love has faded. Looking for advice. Blah. Blah. Blah. [more inside]
posted by anonymous on Feb 11, 2015 - 28 answers

Getting Debt Under Control in 2015

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]
posted by punkrockrat on Feb 7, 2015 - 7 answers

FREE BEER! Okay, now let’s talk about Corporate Treasury…

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.
posted by AlonzoMosleyFBI on Jan 30, 2015 - 1 answer

Dropping the interest on a seller-financed mortgage-what's in it for me?

Is there any benefit to dropping the interest rate on a seller-financed mortgage note "just because"? [more inside]
posted by honeybee413 on Jan 27, 2015 - 14 answers

Which financial professional can help me choose a mortgage?

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]
posted by ecsh on Jan 26, 2015 - 10 answers

Seller Doesn't Want to Involve Realtors but I Need Advice. How?

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]
posted by tunewell on Jan 26, 2015 - 20 answers

Embarking on a 4 year personal financial voyage. What to do with savings

MF, you're the best, I am entering into a PhD program with 24k in the bank. Wife is quitting her job to stay home with our 7 month old. Is an index fund/savings account/... the best place for these funds now? Anyone come out the other side of something like this successfully? [more inside]
posted by 1inabillionmistake on Jan 11, 2015 - 31 answers

Can I financially divorce my husband?

We own a mid-sized business together. Communication between us has effectively stopped, mainly because of differing business styles. We still talk, but he stopped listening about 10 years ago. It’s gotten to the point where we act independently of each other in both our professional and personal lives. His actions have eroded my respect and trust for him, business-wise. I think the only way to save our 20 year marriage is to split financially, but I don’t know if that is possible. [more inside]
posted by tuckeredout on Jan 8, 2015 - 40 answers

Cheapest, easiest debit card expenses?

My credit union has a nice high interest rate but only if you jump through some rather annoying hoops. I mostly don't jump high enough to qualify and I'd like to figure this out. I need the easiest, cheapest (ideally, automatic) debit card charges I could accomplish on a monthly basis. [more inside]
posted by amanda on Dec 27, 2014 - 11 answers

I suck at negotiating and purchased a vehicle worth less

So I bought a vehicle at a dealership and this was my first time doing so. I suck at negotiating and I thought I had done my research enough, I was wrong. I ended up buying a vehicle and later finding out that it is worth $2000 less than what I paid for. I signed all the documents and drove away and am having second thoughts. Is it too late? Is there a worst-case scenario? Do I suck it up and learn from my mistakes for the next time? [more inside]
posted by lunastellasol on Dec 14, 2014 - 20 answers

How to dispute a utility bill

I moved in December of last year. One year later my gas bills are still messed up. Dealing with the gas company for the last 8 months has not been productive. What are my other options? [more inside]
posted by mike_bling on Dec 10, 2014 - 10 answers

Help me decide which index funds in which to invest

I have some money to invest (greater than $10,000). I’d like to gain exposure to the stock market. It seems index funds are a good way to go. Please recommend some specific funds or products which I should look into. FWIW I am in Australia. [more inside]
posted by cestlavie on Dec 4, 2014 - 8 answers

How can I get a dealership to pay me for a car I sold them?

I sold my car to a Nissan dealership last Monday, November 10 for $22,000. At the time I owed $15,276.47 to Nissan Finance. I checked my account there today and now I owe $15,284.80, so the loan is still not paid off and it's still accumulating interest. Also, it's been five days and I haven't gotten a check for the $6,723.53 remaining after the loan payoff. [more inside]
posted by trevor_case on Nov 15, 2014 - 14 answers

Retirement savings in the neocon age...

I am finally starting to plan for long term financial security and retirement. Good news, I have a pension. My question is, should I feel secure in my pension actually being there when I retire, or should have a separate, backup retirement account? [more inside]
posted by latkes on Nov 7, 2014 - 8 answers

Tax implications of paying back a signing bonus

If I have to pay back a signing bonus because I didn't stay at the job for a full year, is there any way to recover the taxes I paid on the signing bonus? [more inside]
posted by evil otto on Nov 7, 2014 - 8 answers

There's no place like home... We just need a loan!

The issue isn't us as borrowers... It's the house. The house is part of a coop/co-housing setting. We'd be buying the house, but the land it sits on would remain owned by the co-op. Mortgage? [more inside]
posted by jrobin276 on Nov 2, 2014 - 2 answers

Should I pay off my car early so I don't need full coverage insurance?

Wondering if you could help with a risk-benefit analysis of lowering the amount of insurance on my car. I still owe money on it, but I could potentially pay it off and then save money on my insurance. BUT is the insurance good to have anyway? [more inside]
posted by bbqturtle on Oct 30, 2014 - 22 answers

What type of retirement service am I looking for?

I have too many retirement accounts at too many institutions (7 going on 9). I dislike managing them all and would like to hire someone. I don't need help planning or making decisions. I need an administrator to buy my already chosen funds as money is deposited and to give me consolidated reports once per year. Does anyone know is this type of service exists? [more inside]
posted by jackquack on Oct 25, 2014 - 16 answers

Career change help needed

[Posting for a friend] I am trying to make a career change from finance to tech. Lots of special snowflake details inside. [more inside]
posted by jenbo1 on Oct 16, 2014 - 3 answers

Check register App for iPhone 5s

I'm looking for an iPhone App to track my spending, NOT budgeting. My salary is automatically split via direct deposit, so that most of it goes into a different account used to pay bills with the spouse. What's needed is an App to track the money in my personal account, which is used mostly for fun stuff, with a few minor things like gas or reccurring payments for Netflix, website hosting etc. Specific features are below the cut! [more inside]
posted by sock, the puppet on Oct 11, 2014 - 8 answers

How do you go to university when you're older?

If you didn't go to university when you were "supposed to," and you've found yourself at nearly-30 with a job, career, house, obligations, how do you then start to study once you think you might have found your calling, the field you really want to delve deeply into? I'm thinking mainly about the financial and logistical concerns - but also, personal stories of doing so. [more inside]
posted by winterhill on Oct 9, 2014 - 26 answers

Financial advice for a very fortunate 18 year old with a 401k?

There isn't any matching, but my employer does contribute a flat amount. How much of my paycheck should I contribute to this 401k? How should I operate the 401k, and what kinds of investments should I make? How much should I save or invest seperately, in other accounts? Are there any other actions I should be taking, financial or otherwise? [more inside]
posted by 207797 on Oct 4, 2014 - 12 answers

Options expiration brain-fart

Ok financial mavens, and in particular, option trading experts, what happens in this scenario? [more inside]
posted by teg4rvn on Oct 3, 2014 - 9 answers

Down payment assistance

I am saving up for the down payment on a co-op apartment here in NYC. I'll estimate the sum of said payment to be in the $30-$50K range, based on current co-op prices and a down payment requirement of 20%. [more inside]
posted by the hot hot side of randy on Sep 15, 2014 - 17 answers

Business and Economics 101 for a complete newcomer

I want to become literate in two of the major fields that are the most foreign to me, business and finance or economics. Can you help with book or website recommendations? [more inside]
posted by quiet earth on Sep 6, 2014 - 5 answers

Leaving the US permanently. What to do with my savings? (non-US citizen)

I'm a french citizen, I've lived in the US for the past 10 months (leaving in a month) and I have ~10k on my savings account. What should I do with the money? [more inside]
posted by eta on Sep 4, 2014 - 13 answers

Whether to spend a whole year's salary on a car

I make $93,000 net a year and want to buy a $95,000 car. I'm 28, and keen to enjoy life before I get tied down with family and other commitments. I'm seeking your wisdom. [more inside]
posted by anonymous on Sep 3, 2014 - 92 answers

mo money, mo decisions

What kind of financial planner do we want? I was referred to a financial planned by someone trusted but he's the kind that takes a percentage of your money each quarter and moves it around. This made me nervous. What options are there? [more inside]
posted by beccaj on Aug 26, 2014 - 10 answers

Calculating interest using the effective interest rate?

I need to calculate the interest to be paid on a loan of $300,000 with a term of 4 years where the effective interest rate is 10%, payable monthly in arrears. How do I do this? [more inside]
posted by herschellie on Aug 22, 2014 - 12 answers

How do you compare profits to loss due to inflation?

I'm trying to compare the compounded losses due to inflation to non-compounded profits. E.g. if inflation makes me lose 3% of an investment each year, what % would I need to profit each year in order to exactly keep up? This is tricky because the profit is not compounded the way inflation is. I'm not looking for an answer to this specific question, but rather, looking for a tool or method to do this kind of math. [more inside]
posted by brenton on Aug 21, 2014 - 12 answers

Automatic payment for your bills: What's the catch!?

I haven't used automatic billing/payment for any of my monthly bills - where the company takes out the money to pay a bill from your bank account or credit card - yet. I'm considering to begin doing this because I'm tired of keeping track which bills I have/haven't paid yet and spending time to do so. Is there any catch to using it or things of which I should be cautious? [more inside]
posted by fizzix on Aug 14, 2014 - 22 answers

Financial Ap for Dummies?

Does anyone know of a simple to use financial Ap that can be run by a fairly illiterate to technology woman? The Ap will need to be able to make spreadsheets to present the information! [more inside]
posted by anonymous on Aug 12, 2014 - 5 answers

Loan for renovation of NYC Co-Op Apartment ? (no HELOCs/mortgages)

Loan for renovation of NYC Co-Op Apartment? (no HELOCs/mortgages). [more inside]
posted by lalochezia on Aug 5, 2014 - 4 answers

What is the best thing to do with $10,000?

I have just found out that I will be inheriting $10,000. I want to maximize whatever I do with it, but I am not sure where to start... [more inside]
posted by JoannaC on Jul 29, 2014 - 19 answers

Credit card debt not paid on in a year, repayment plan options?

Large CC debt ignored for nearly a year, going to call all collectors tomorrow to try to get a payment plan. Tips? [more inside]
posted by anonymous on Jul 23, 2014 - 10 answers

Moving to SF-Bay Area: Which local bank/credit union should I switch to?

We are moving from Florida to San Francisco and need to change banks- we're not super knowledgeable about this stuff and will definitely research more, but I'd like to get some on-the-ground opinions on how various local banks/credit unions have worked for them. Great customer service and low fees are of course stuff we care about a lot. [more inside]
posted by drd on Jul 8, 2014 - 13 answers

Most interesting science fiction/fantasy monetary or currency systems?

There are lots of interesting SF&F economic systems that are without money -- post-scarcity AI-nano cornucopias, magic subsistence economies, etc. For those who imagine worlds that still have money, though, what are the most interesting speculative monetary/currency/financial systems? (Please feel free to mention the obvious-to-you, as I've got big gaps in my SF&F reading and watching.) Thanks! [more inside]
posted by deathmarch to epistemic closure on Jul 6, 2014 - 18 answers

Personal financial help for student loans and taxes?

I need some financial planning / loan help. I graduated from grad school a year ago, and I'm getting my life together. I'm doing well professionally, juggling freelance gigs -- this doesn't necessarily mean I'm paid well, but I'm happy and fulfilled with what I'm doing. But my personal finances are a total wreck, and I need a professional to help. Who should I be looking for? [more inside]
posted by anonymous on Jun 18, 2014 - 4 answers

Explain business to an innumerate child.

I'm working on a novel (yeah, yeah) in which the bad guys are, among other things, a couple of rival business-criminal assholes. I know nearly zero about business, finance, and politics, and I don't want to talk about these folks in ways that show me to be the faffy prancing buffoon I really am. [more inside]
posted by Mister Moofoo on Jun 11, 2014 - 11 answers

Take my money, please!

Manilla is closing, and I'm heartbroken. This app takes care of all of my accounts. Credit union, bank, investments, credit cards, amazon card (which mint can't do), auto loan, mortgage, utilities, subscriptions, everything! So I need a replacement. [more inside]
posted by notaninja on May 29, 2014 - 3 answers

Is Claritas Investment Certificate a good intro to finance / CFA paths?

Mefites who do finance: is the Claritas Investment Certificate a useful certificate if I want to learn the basics of finance? [more inside]
posted by anonymous on May 28, 2014 - 5 answers

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