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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

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

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

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

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

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

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

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

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

Unlocking Contracted Recurring Revenues to use for Debt Collateral

Every month my company sells roughly $15,000 worth of monthly recurring revenue contracts with five year term lengths. The service sells for $1,000 per month so every month we sign on 15 new customers. $15,000 * 12months * 5 years = $900,000 (total contract revenue for all 15 contracts sold during the month) We've maxed out our borrowing on physical assets held by the company and I need to find a way to unlock these revenue streams to use as collateral for further growth. What's the best way to do this? I would prefer to not have to go to every customer and amend their contracts in any way. Thanks!
posted by Paalen on Jan 24, 2014 - 16 answers

Should I dump money into my retirement index fund if the market craters?

I have a bunch of money I've been wanting to dump into a low-fee index fund all year. (It's my retirement account.) I've been holding off because of the whole budget/debt ceiling business that's been going on all year. It looks like events will be coming to a head this week. If the market totally craters, would that be a good time to buy? [more inside]
posted by evil otto on Oct 13, 2013 - 16 answers

Help me understand credit scores

In aug and this first week of sept, I have managed to pay three of my four cards off completely. I kept the highest balance the one because of it's age and it's the lowest %. So, now I have a credit card and a mortgage. Was paying them off a good idea? I applied for a starwood Amex and got denied. I understand it was too early but when will I see a jump in my credit and will I? I paid about 10k at average of 22%. It is a huge huge deal for me!
posted by femmme on Sep 12, 2013 - 9 answers

How to save some money for a rainy day?

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 - 6 answers

Money, money, mon-ey. Mo-ney. (on a Mac and iPhone?)

I’m looking for a money management app for Mac that also syncs with iPhone. What do you use and why? (I’ve looked here on Metafilter and found little to nothing that’s recent). [more inside]
posted by brokeaspoke on Aug 15, 2013 - 10 answers

Any opinions on graduate schools of banking?

Is attending a graduate school of banking worthwhile? [more inside]
posted by glenngulia on Jun 19, 2013 - 2 answers

I can't afford financial counseling and I can't afford not to have it

Is there such thing as a financial coach for someone in a low-middle income level? If so, where can I find this person? [more inside]
posted by latkes on Jun 5, 2013 - 21 answers

What are my options with this pension plan check?

I was issued a check from my old company's pension plan. Apparently it needs to go into a retirement account. Can you help me understand my investment options? [more inside]
posted by karizma on Jun 5, 2013 - 4 answers

Sites that get renters and auto insurance quotes from multiple insurers?

I am looking for sites that can grab quotes from multiple renters and auto insurers. Its tedious to enter all the information into multiple sites. Could you recommend a few websites? At this time I am looking to get renters insurance but thought I would find out about auto as well. Thanks
posted by r2d2 on Jun 2, 2013 - 7 answers

Do I need a financial planner and if so, how do I find one?

I want to understand retirement savings and long-term investment products. Who do I want to speak with and how I find them? (Some relevant details inside.) [more inside]
posted by Kurichina on May 31, 2013 - 4 answers

How can my family bar my bipolar father from access to credit?

My bipolar father will go on crazy consumer debt fueled sprees of spending / gambling. What can we do on a severely limited budget to ensure he doesn't end up homeless or otherwise in major trouble? [more inside]
posted by anonymous on May 28, 2013 - 10 answers

Engagement didn't work out - but she's still on the mortgage

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. [more inside]
posted by anonymous on May 22, 2013 - 23 answers

Good resources for learning about money?

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

Zillions Magazine equivalents for Kids These Days?

Are there any current equivalents of Zillions Magazine in any format? [more inside]
posted by asperity on Apr 5, 2013 - 3 answers

Consolidate debt with Stafford loan?

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

Buying a car right before buying a house

How much of a bad idea is buying a car a month or so before buying a house? [more inside]
posted by glenngulia on Feb 18, 2013 - 21 answers

How do I buy a business? I have an opportunity, but not a f*cking clue.

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. [more inside]
posted by Jim On Light on Feb 3, 2013 - 13 answers

Where should I park my extra cash?

I'll soon be debt free. How do I make the most of it? [more inside]
posted by futureisunwritten on Jan 28, 2013 - 5 answers

Resources for sex-worker personal finance?

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

How do I find a financial planner in the Chicago Western Suburbs?

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 - 7 answers

Better than burying my savings in the backyard

What do I need to know about hiring a stock broker or financial advisor? [more inside]
posted by The Winsome Parker Lewis on Oct 16, 2012 - 8 answers

Metafilter: How do I credit card?

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? [more inside]
posted by anonymous on Oct 12, 2012 - 38 answers

What's the credit card for me?

Should I switch from the HSBC Premier World Mastercard to the Amazon Visa? If not, which credit card will let me save the most money rather than be rewarded for spending more? [more inside]
posted by A god with hooves, a god with horns on Oct 11, 2012 - 9 answers

I before E except after an odd number. Uh...

What financial rules do you follow that you'd suggest to others? [more inside]
posted by andrewcilento on Sep 1, 2012 - 55 answers

How to deal with draconian personal trading restrictions when working in a Wall St bank

I've just accepted a job at a large Wall St bank. I have a large amount of cash to allocate at the moment and don't want to leave it in the bank earning zero interest. However, I am designated a "sensitive person" for compliance purposes in the new job and am subject to very severe restrictions on personal trading. How do people in similar situations manage their personal finances? [more inside]
posted by kramer1975 on Aug 5, 2012 - 7 answers

What should I do with $43,000?

What should I do with $43,000? This needs to last the rest of my life. [more inside]
posted by ~Sushma~ on Aug 3, 2012 - 25 answers

Retirement fund fun!

My 401(k) has changed - any financial gurus able to explain how I am going to be affected? [more inside]
posted by erstwhile on Jun 15, 2012 - 9 answers

Invest in my education or in some other investment?

Windfall of $50k! Invest in myself and get a biz degree or save it all for a rainy day? [more inside]
posted by seatofmypants on Jun 3, 2012 - 18 answers

You are not my estate lawyer, finance lady, or tax guy. Can you help me find that person?

Grandma set up an uneven trust and we want to distribute it equally. Who do we talk to and what do we ask them? Questions about imbalanced inheritances, DIY redistribution of wealth, and taxes within... [more inside]
posted by anonymous on Jun 1, 2012 - 14 answers

What motivates WS financial analysts following stocks to give out their recommendations for free? These recommendatins can be found on Mornigstar etc.

What motivates financial analysts following stocks to give out their recommendations for free? These recommendations are then shared by sites like Yahoo Finance, morning star etc. Also, most of these sites say analyst recommendation. Is there a way to see which analyst is making the recommendation? Which site would you recommend for researching analyst recommendations for stocks? I am curious because financial analysts don't seem like people who would give away information for free. I am curious about what motivates them to share such valuable info. Also, it would really help to know a reliable site that collects and shres these recommendations
posted by r2d2 on May 13, 2012 - 17 answers

Someone to count the coins in that jar for me.

How does one go about finding a personal accountant in Seattle? [more inside]
posted by halogen on Apr 17, 2012 - 3 answers

Is it legal to withdraw online payments without notifying the consumer?

Is it legal for a company to withdraw online payments from my account without notifying me first? [more inside]
posted by anonymous on Mar 25, 2012 - 12 answers

Help me evaluate this investment strategy.

I've been happily making regular investments, but I suddenly have a lot more money to invest. How should my strategy change, it at all? [more inside]
posted by theexpgen on Mar 23, 2012 - 11 answers

What should I do with my disposable income investing-wise?

Financial Advice. About to be 30 years old and would like some advice on what to do with disposable income. Details inside! [more inside]
posted by PetiePal on Mar 12, 2012 - 16 answers

Affordable, multi-currency small business/accounting software for dummies?

Affordable, multi-currency small business/accounting software for dummies? [more inside]
posted by wingless_angel on Dec 8, 2011 - 6 answers

I have money now, how do I know it's going to the right place?

How can find a trustworthy assessment of my debt? [more inside]
posted by anonymous on Nov 28, 2011 - 3 answers

American (Express) Hegemony?

Why is the corporate credit card space seemingly dominated by American Express? [more inside]
posted by kanuck on Nov 27, 2011 - 11 answers

Mass transit.

I'm spending nearly $400/month on automotive-related expenses for a car I don't enjoy driving. That's about 25% of my monthly income, and when it really comes down to it, I think I'd rather be saving that money for something better, like travel. Or education. Or Scotch. Lots and lots of Scotch. [more inside]
posted by bhayes82 on Nov 7, 2011 - 34 answers

Financial Advisor Inquiry

I'm a 33 year old male who has been interested in being a Financial Advisor since the 7th grade. I've an undergraduate degree in Finance with a CIS option and am currently 1/2 way through my MBA. I really want to become a FA but I'm a little nervous about starting from scratch, selling to my friends and family, and walking around town knocking on doors to sell although I've been told that I am a very likeable person who would be great at this. [more inside]
posted by Paalen on Nov 4, 2011 - 5 answers

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