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918 posts tagged with finance.
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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

I have $5K to invest. What ought I do with it?

It's from my lovely wife's recent inheritance. It's not a lot, I know, but enough that we don't want to just stick it in the bank. [more inside]
posted by Guy_Inamonkeysuit on May 26, 2014 - 13 answers

How can I protect my money in light of the coming financial collapse?

There has been a lot of talk about an imminent financial markets bubble and I find that I am heavily invested in the S&P500 through an IRA (rolled over from a 401K after I was laid off). I also have a relatively small amount invested through a standard brokerage account, but the majority is in the IRA. I don't know jack about sigma events or black swans, but I can recognize when the chatter is starting to form a cohesive message. I also know that I have a ton more exposure now than in 2009. In fact, the post crash boom years have been quite good to me. My question is obviously, is there a proven strategy to protect against a coming financial crash? At what point do I pull the trigger and put everything into bonds? Is there a hedge against a collapse? My fantasy is that I pick the right time to pull everything and then clean up post crash on rock bottom blue chip stocks. [more inside]
posted by MajorDilemma on May 20, 2014 - 14 answers

Ethical 30-year fixed co-op mortgage in NYC?

NYC MortgageFilter. We want an affordable 30 yr fixed 80% LTV co-op loan that underwrites quickly - but! With either ethical considerations or portfolio from a local lender. Need reccs. for lenders and especially loan officers please; or really savvy NYC mortgage brokers. [more inside]
posted by lalochezia on May 20, 2014 - 6 answers

Administrative assistant? Bookkeeper? 1 day a month? I hate paperwork

Ok, I went freelance about 4 years ago…and it’s been great. My problem is this: I spend time avoiding paperwork. I have a small set of tasks that someone could do. I’d like to hire someone for (at the least) handling invoicing and collections. What/who am I looking for? Is that a bookkeeper? [more inside]
posted by Towelie on May 19, 2014 - 10 answers

'right of first refusal' as a real estate tool

This question is following up on one I posted almost a year ago, trying to arrange sale of house to tenants who could not qualify for a bank loan (a resounding NO to self-financing and promissory note). If at all viable, I will follow up with an attorney; otherwise I will let it go. Here's the idea: They can now qualify for a $130K loan. The house is zestimated at $170K. What about selling them a right of first refusal for $40K to buy the house at $130K? They would pay me up front for the right and for my promise to make the house available within x time for them to exercise that right. They would of course still have to come up with a down payment for the bank/mortgagor, but I think it's more their credit than their cash flow that has been a problem in the past. Even as I type this I'm imagining Murphy's Law kicking in, but seems riskier for them (buyers) than for me.
posted by mmiddle on May 9, 2014 - 14 answers

Help us weigh financial priorities.

My family's income has just increased, and we're having trouble choosing between financial priorities. Advice? [more inside]
posted by anonymous on Apr 9, 2014 - 17 answers

Australian almost/quasi/kinda self-managed super fund?

I'm a freelancer. I don't yet have enough in my super to make it worthwhile converting to a self managed super fund due to the management costs. Or so I believe. But I figure I have the time to weather some major market wobbles, so I would like my super to be a more aggressive. Is there anyone offering some kind of buffet style super, and with reasonable management fees? The more fine-grained/wider choice the better, though I don't think I need to be picking particular stocks. And if not, I'd be interested in anyone's favourite high growth super funds, or insights into the cost of SMSFs.
posted by hifimofo on Apr 6, 2014 - 2 answers

Final pre-purchase car questions!

Continuing my car questions (1, 2, 3). We’re buying a gently used Forester. Two questions I need to resolve before picking up the car: should I finance any part of the purchase (can pay all cash), and should I pay to extend the bumper-to-bumper warranty to seven years? [more inside]
posted by Admiral Haddock on Mar 26, 2014 - 14 answers

Savings vs. debt for short-term gap-stopping

If a person is flat broke for a relatively short period of time (<10 days) but some expenses are unavoidable during that time,* is it better to raid a savings account or to use a credit card to pay for the expenses? Assume that the interest rate on the credit card is shamefully high, and that the savings account is very modest (<$500) but nonetheless a good morale booster and safety blanket. [more inside]
posted by magdalemon on Mar 19, 2014 - 28 answers

Please help me organize my investments and finances! (401k Rollover!)

Need help deciding what to do with my investment finances, including rolling over my prior Co. 401k rollover. I hold 2 401ks, 1 Roth IRA and I'm planning maybe on an index Fund. Details inside! [more inside]
posted by PetiePal on Mar 18, 2014 - 8 answers

Who does Mario Draghi remind me of?

Every time I see a picture of ECB president Mario Draghi in the newspaper, I feel a small flicker of recognition. It's starting to drive me bananas. Who does he look like? Google image link here.
posted by rollick on Mar 7, 2014 - 38 answers

Getting cold feet on refinance with unknown 3d party credit union

Does anyone know the skinny on CU Community, a credit union lender based in Springfield, MO? [more inside]
posted by mmiddle on Mar 6, 2014 - 6 answers

Printed bank statement may have fallen into wrong hands. What to do?

My mother still gets her bank statements by paper mail. Her latest one failed to be delivered for 2 weeks now, and she verified the bank mailed it, so we assume it was delivered by the mail carrier to the wrong address, or dropped, or something. Nothing has happened yet, but it seems best to guard against the worst-case scenario, namely that someone else now has her home address, bank address, all account numbers (including retirement accounts), possibly other identifying information, and has the willingness to exploit it. What are the prudent steps we should take? [more inside]
posted by StrawberryPie on Feb 25, 2014 - 9 answers

In search of some intermediate financial advice.

MeFites have always been pretty good at giving basic financial advice, like how to start saving, building a budget, getting out of debt, etc. I'm there already. I find myself in the surprising situation of being comfortable these days, and I'd like to know: what's next? [more inside]
posted by anonymous on Feb 20, 2014 - 13 answers

Help me start saving for retirement (U.S.)

I would like to finally start saving for retirement! I'm thinking a Roth IRA is the way to go (unless you think otherwise and can tell me why), but I am a little confused/overwhelmed with how to proceed. A few snowflakes inside. [more inside]
posted by likeatoaster on Feb 20, 2014 - 14 answers

What's more important? Parental presence or top schooling?

Okay, this may well be a false choice but I'm trying to sort this out in my mind -- I see two roads ahead of us, one in which we stay where we are currently living -- an underwater house in good shape in a middling-to-poor neighborhood (but with adjacent nicer amenities) -- which is affordable and where we are making enough money to save for all the things we need to save for (retirement, college, cash savings, etc.). OR, we can buy our way into a nicer neighborhood and school district, keeping this house as a rental. Right now my husband and I are both working at well-paying jobs and our 3-year-old is in full-time daycare. My goal, when she starts kindergarten in 3 years, is to work 3/4 or less time, so that I am home with her after school and do to this for the rest of her school years. [more inside]
posted by amanda on Feb 15, 2014 - 32 answers

Teach me things... awful things...

I need to learn about financial instruments and trading at an intermediate level. I have a basic, 101-type understanding of how CDOs and CDS-es work and what hedging is, but I need to get to the next level, because I'm still getting lost in conversations where people are talking about complex synthetic CDO strategies, delta hedging, correlation trading, ABCP, and similar topics. Is there a book I can read, a course I can take online, anything you can recommend I do to start getting much more comfortable with this securities stuff at a high level? Thanks in advance for your help!
posted by prefpara on Feb 13, 2014 - 8 answers

Freelance / self-employed tax deduction for reimbursed travel expenses?

Can a freelance / self-employed person (filing Schedule C) deduct from her taxes the cost of business travel (airfare, lodging) that she was later reimbursed for? [more inside]
posted by toomuchkatherine on Feb 9, 2014 - 3 answers

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