I'm 34 years old and I got lucky in my current job and have been able to generate way more income than I need. I have everything I want, am doing all that I can when it comes to retirement savings/putting money away. Two part question: 1) What else should I be doing to ensure financial stability forever? 2) Is it weird that I don't have a strong desire to go buy stuff/do stuff/spend excessively? [more inside]
My sibling and I (in our 40s) live in the same city; our parents (in their 70s) live in a nearby state. They are retired and in financial dire straits, due largely to various ill-advised decisions they made over the course of several decades. We need to figure out how we can help them in a way we can all live with. [more inside]
I'm getting ready to have a possible "final conversation" about financial responsibility with my boyfriend. I just want to check in to see that I'm being realistic with today's economy. [more inside]
My mom has what seems to be undiagnosed borderline personality disorder. For the last many years, she's burned bridges at work and let her self-loathing get the best of her, to the point that she's chronically unemployed, has alienated most of her friends, and has exhausted all her financial resources. She's hit rock bottom, with $0 in the bank and debts to pay. And she's turned to me for help, saying she doesn't know how to take care of herself. I'm 26. I'm struggling to pay back my own student loans. Please help me help my mom. This is in Canada. [more inside]
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. [more inside]
I never had disposable income, so I'm realizing I have a weird relationship with money and things. Now that I'm making enough to feel rich (without actually being rich?), what stuff would make my life way better? What do normal people spend money on? I can get over this on my own, right? [more inside]
Looking for a financial advisor/planner recommendations near Lowell, MA. [more inside]
I have an interview next Tuesday with a investment firm. The position is Executive Assistant to the CEO. When they ask me where I see myself in 5 years, what do I say? [more inside]
I see a therapist on a regular basis. I have health insurance with a small copay for these visits. Some time ago, my therapist asked that I pay the difference between the fee they bill for (their full rate) and the negotiated rate that my health insurance pays to them. This increases my out-of-pocket costs dramatically. Is there something odd about this arrangement?
Is there such a thing as a no-equity second mortgage? [more inside]
Please advise me on how to help a friend whose reaction to the stock market situation is alarming to me. [more inside]
Please recommend a therapist in Houston Texas specializing in financial stress issues. [more inside]
How should my brother and I manage a new joint slush fund? [more inside]
I need some house buying help, and advice about whether to pay off my loans now or save more for the down payment. [more inside]
Is it normal for a college to not refund someone if they have paid above the cost of tuition and fees? [more inside]
I dropped (back) out of college during this past summer session. I am not registered to take any more courses, ever. Yesterday I received a Pell Grant check in the mail alongside a statement from the university bursar's office noting the credit amount. This is a total surprise as I had no previous indication I'd be receiving any financial aid. I could use the money (not for school). Should I cash the check or send it back?
A relative has just proceeded to screw me over financially. What is my best course of action? Should I sue? How can I handle the situation? Long explanation inside. [more inside]
What will happen if I stop making loan payments on my totaled car? [more inside]
I owe more on my car than it's worth. Help. [more inside]
What should I do if someone has pulled some real identity theft type stuff on me? I'm watching bank accounts, changing passwords, checking for viruses/keyloggers, but what else can I do? [more inside]
Is there a reputable place (online or otherwise) where I can get a quick emergency loan within the next 10 days for $600 - $900? I have somewhat poor credit. [more inside]
I like the job I have right now, but I have the gut feeling our company is hurting for business. We probably over hired last year, which is painful especially as a small business in this climate. The upside is that I was just offered a new job at different small business. Because I really enjoy almost everything about my current job, how do I go about asking my current employer how financially stable the company is without looking suspicious? [more inside]
Someone near to me has recently recognised, and begun to address, a serious problem with debt. The debt is not a result of extravagant spending; it seems to stem from persistently bad decisions about consumer credit, and a habit of repaying loans with other loans. So... once the debt has been consolidated and the credit cards have been destroyed, what measures can this person take to ensure they never, ever get into debt again? Is it possible to voluntarily ban oneself from being offered credit? The person is in Australia.
I recently inherited about $100k. I'm pretty dumbfounded. This is the largest amount of money I will probably ever have to figure out what do with, so I want to be safe and smart and invest in the long term. I have no debts. I'm 30 years old and single. I know no one has a crystal ball, but what are your best guesses for what I should do with this money in light of our current financial meltdown? (I haven't even deposited the check yet... my bank is Wamu and I wasn't sure if it would fold).
How does one apply for financial aid at a public university as an independent party? This is to imply there will not be financial assistance from the parent/guardian; is there a way for their income to be excluded as criteria in evaluating aid eligibility? [more inside]
I worked hard when I was single and saved a bunch of money. Now I'm married with kids, not able to save much, and I want to send my child to private school. Private school says OK, but no tuition assistance for you. My friends have no savings, but otherwise similar situation, and were granted a huge tuition break. What gives? [more inside]
How do you establish your credit rating and rental history in one country when you're from another one?
How do you establish your credit rating and rental history in one country when you're from another one? [more inside]
Looking for a financial (not debt/credit) counselor in Los Angeles area for a couple with different financial approaches/backgrounds. [more inside]
I’m an early-30’s guy, seeing an early-30’s girl who I think I could be with long term. She is unquestionably an awesome person, and I appreciate the fact that she brings a different perspective and background to the relationship than my own. As with many things, these differences can be a double-edged sword. Read on, below... [more inside]
Career/Financial Advice: Safety vs. Fulfillment - Can I afford to quit my job? Great salary, massive stock options, utter boredom/disappointment. [more inside]
A tax question. Our family has experienced a drop in income and an emergency (not medical). I have a 40 thousand dollar 401K retirement fund and want to get 16K out of it. Our family makes 91K gross with two dependents. What will be the tax hit on the 15 k from the retirement fund (so we won't be surprised at tax time). [more inside]
How to evaluate/compare high-yield savings account offers online? This question is anonymous due to the relatively tiny dollar amounts described inside. [more inside]
I've fallen for a phishing attempt. Based on what they may have, what do I do now? [more inside]
I'm just out of college with an average paying tech job and I don't know what to do with all this money. [more inside]
So this idiot "friend" of mine defaulted on his student loans, and the collection agency in charge of, well, collecting them has tacked on about $5000 worth of fees. Now that he's paying them back and rehabilitating his loan, is there any way he can get those fees eliminated? The collections agency says the best they'll do is deduct about $1000 after rehabilitation, but I'm convinced there must be something more he can do. Thanks, as always!
My gf and I have been going out for 6 mths. Our relationship is slightly rocky because we've just gone out of the lovey-dovey phase, but at the same time, now that we're in a long-term relationship, I would like her to pay half for meals and gas. We're both college students and I currently pay for everything although she treats me out once in awhile. Would it be best for me to confront her now or wait for things to stabilize? I realized I'm in this current situation (whipped) because she's considered a catch.. initially, it was not a big deal because I was actively pursuing her.
I've got two credit cards with interest rates of 21.24% and 23% - both with balances over $5K. Both banks have sent me convenience checks - one with 3.99% fixed APR for life of balance - the other with 0% through August (then 17% after). Can I 'swap' the debt from one card to the other by using a convenience checks to pay the balance and getting lower interest rates? I'm paying my debt off every month - but if I can get it to grow slower, I thought this would be a way to do that.