I'm a formerly broke person who is beginning to become unbroke, although not without stumbling from time to time. I have a few strong goals - buy a house, get my student debt in order (not paid off - just in order), save up enough for a couple of large ($5000) purchases, improve my credit score to mortgage-minimum. I need help getting there. [more inside]
Where does one find financial statements (similiar to SEC filings) for non profit organizations [more inside]
How can I misuse this bank account information? No, wait, that came out wrong. I’m looking for help justifying data security measures (at my office) for banking info. [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]
I don't have a lot of debt or expenses, so my income keeps piling up in my checking account. Unfortunately, I don't know much about finance or investment. I want to make sure that I don't lose money year over year because of inflation, but pretty much all the CDs and savings accounts I've seen have an APY lower than the inflation rate (which is >= 1.5% according to various websites). I don't care about playing the stock market; all I want is to avoid losing my money through inaction. How do people in this situation keep up with inflation while at the same time minimizing their financial risk?
I hired a month-by-month financial adviser last year after my divorce to help me get things in order. The guy I worked with left the company last year on May 13. He called me yesterday, 366 days after he left from his new gig wanting me to be his client again. (non-compete plus 1) That's when things got weird. [more inside]
My husband made less than $10k this year but TurboTax is telling us he owes over $1k in taxes. Is that right?! [more inside]
My wife and I are both graduate students living on about $30k a year in southeastern Pennsylvania. We're about to turn 26 and will be losing our health insurance coverage through our parents. Does the state of Pennsylvania or the government offer any sort of subsidies or vouchers to help us purchase our own insurance? [more inside]
So, I'm trying to get some opinions here: My fiance and I have been engaged for 4 months and are in our mid-20s. We are both in school (undergrad for him, grad for me), but due to my income, we wanted to wait one more year, so that it would be financially better for us (e.g., paying tuition, etc). We are both interested in having children, however, something has come up for me health-wise (ulcerative colitis) that would make it less safe (because of medications) to have a baby later on, compared with now. Here are my questions for you: 1) Would you have a baby before marriage? What would be the reasons? 2) Has anyone actively planned this before? How did it work out? I know some would say suck it up and push up the wedding, but it would save us a good 20K or so.
I recently rolled over my old 401K and Roth accounts through an old employer and held by ADP. Throughout the process, I was told the only fee would be the $50 "account transfer fee". But when the checks arrived half of my money was missing! [more inside]
I have come to the conclusion that I am bad with money, and I need help. The question is, who can provide me with the help I need. I've researched various professions online and have a hard time telling who would best suit my needs: a bookkeeper, an accountant, a financial counselor, a daily money manager, someone else entirely?? More than one of these?? [more inside]
Can anyone recommend simple-to-use, free, web-based software that can easily reconcile accounts for a small partnership? [more inside]
Should I e-file my taxes? Specific computer phobia (or phobia of the IRS) is involved. [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 have a sum of money that I'd like to invest. I currently bank with HSBC, and a friend of a friend works for Edward Jones. I have talked to both HSBC and the Edward Jones guy, and the spiels I got were fairly similar--they suggested 80/20 stocks/bonds, generally mutual funds and that sort of thing. Both advisors intimated 10% average returns over 5-10 years, and both are looking at about a 2.5% initial fee and then a little over 1% yearly. Basically, what I'm looking here is to park my money and watch it grow. What I want is a totally hands-off approach. I don't want individual stocks or commodities, I don't want to do this myself, I don't want to be constantly asked what I want my money put into. I just want to put my money into a fairly diverse portfolio and have it get bigger without giving me the chance to mess around with it and screw it up. [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 want to find a person or class to help me understand basic tenants of financial literacy -- someone who can do everything from helping me create a basic household budet to helping me understand my taxes, retirement plan options, and what to do with my employer-granted stock. [more inside]
Division of marital assets in Canada via RRSP and home equity. What are the pros and cons and what should be considered? [more inside]
My girlfriend has as long as I have known her, struggled with money problems. As a thoughtful and incredibly unromantic gift, I am getting her a meeting with a fee-only financial planner for her birthday. [more inside]
Recommend us some o’ that personal finance software. [more inside]
Should I teach guitar lessons "under the table" or create a legitimate business? [more inside]
Looking for a financial advisor/planner (accountant, CFP, something else?) in or around Boston for a married couple with good saving habits (see my previous question) and a reasonably healthy-sized nest egg. A couple of additional salient details inside. [more inside]
Are there grants or financial aid for my 8 year old daughter who has Tourettes Syndrome and ADD? I need money to put her in a tutoring center and to put her in physical activity programs. [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]
Weightlifting-oriented gym in Boston near the FiDi? [more inside]
I'm hoping for some information more then advice on investing in Canada. Really really basic investment information. [more inside]
For being 2012, I am frustrated in not being able to find alternatives to Mint and Yodlee, both of which I despise both for lack of decent support and poor execution in design and performance. There MUST be beta's out there that google fails to reveal, by eager entrepreneurs wanting to take advantage of the opportunity by the poor performance of these financial management programs. Any leads you can provide?
How can I strengthen my case for medical financial aid? (Long snowflake story within.) [more inside]
About to start discussing divorce details. What do you wish you known, what would you have done differently, what do you regret, what are glad you did? [more inside]
Coming to terms with circumstances. Baby fever edition. I need help doing it. How did you decide to be ok with waiting to get pregnant? Alternatively, how did you decide to go ahead and attempt pregnancy even though it was a bad idea financially in the short term? What books or articles or blog posts can I read (the library is right down the street!) that address this? [more inside]
I'm doing my FAFSA for the 2012-13 school year. Because I'm 25, I'm considered independent. I'm working part-time as a tutor at a small private school, but some months my parents and grandparents give me more money than I end up making. How should this be reflected on the FAFSA? There seems to only be a form for my income. Any other tips are appreciated.
I just received word that, due to a tiny technical error, I have to re-apply to get my Stafford loan to pay for grad school. This message was directly followed by the notice that I must pay for my tuition by Sunday night at 11:59PM or I'll be blocked out of my classes. Because it's now the weekend, no one is available to help at the financial aid office. My parents said they can float me the money until the loan clears. Should I take them up on the offer? [more inside]
Looking for a financial advisor/planner recommendations near Lowell, MA. [more inside]
Some questions about some information asked for by a financial manager. [more inside]
How will the Greek economic problems and related Euro currency issues affect interest rates and the property market in other continents, especially Australia?
I have $20,000. I want to do something to make this money grow. Ideas? [more inside]
My fiancee and I are buying a house in the next few months. We're looking for some financial guidance regarding some tricky judgement calls I have to make in short order. Thanks for any help! [more inside]
California Filter: I'm a recent graduate of a Master's level counseling program and cannot find work that will enable me to fulfill state requirements for licensure. I'm considering enrolling in an Associate's degree program in a closely related field with better job prospects. I'd be relying on federal financial aid to complete this degree, which is specifically an Associate's in Science. The problem is that the financial aid office claims that I cannot obtain federal student aid because I already hold a Bachelor's. Apparently, at this school there's a cap on federal aid - they don't offer it once students graduate with a BA or BS. I called Direct Loans to confirm this, and they said they'd never heard of this. The financial aid office suggested that I use private loans, but that's not an option for me. At all. So.... I'm turning to the hive mind. Any info is greatly appreciated!! Has anyone had this problem? Figured out any workarounds?
How to start an old age home for seniors in India? [more inside]
What's a great "financial instrument" gift for my soon-to-graduate 21 year old? [more inside]
How can I find out whether or not my mortgage company is ripping me off? I thought about something like a "forensic audit" but I see via Google that that is the hot new scam, and I don't want to be taken for a ride (twice). I am not looking to modify my loan or get out of my mortgage, I just want to make sure that my payments (for which I pretty much always pay extra) are being applied correctly. [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]
How to go back to school full-time for only a year and a half--for free or close to free? [more inside]
Canadian RRSP filter: Does the Home Buyers Plan actually make sense? Can you crunch the numbers on my behalf? [more inside]
Should we file taxes separately or jointly? Pay off a chunk of student loans now or pray for forgiveness? Help me identify the interaction of these questions. I'm not good with money! Details inside. [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?
Grasping a Liberal Arts Degree and Practically applying Structured Education- Where to start? •What practical resources are available that will help me build a perspective and prepare myself for the work of structured education? •What resources are available that will help me sharpen the pathway I am attempting to find and pave? •What sort of experiences will be very applicable to immediate, real-life circumstances and livelihood? •How to "best apply" a Liberal Arts Degree, and other options? •Other tricks, tips, and hints for using college as a filter to a more enriched life? [more inside]
Where to send my wonderful neighbor who really, really needs help? My neighbor is one of the kindest, most amazing people I have ever had the pleasure to know. He just came to ask me for advice about a financial problem that he is now facing. He co-signed for a mortgage loan for his son-in-law a few years ago, and just found out that his son-in-law lost his house. A collection agency just called my neighbor at work and is demanding payment of $90K. Where can I send him for help? [more inside]
I'm looking for an accurate inflation calculator that will tell me how much a certain sum in today's dollars would be worth in any particular year over the past 30 years. For example, if I have $1000.00 USD today, what would be the equivalent monetary value in 1982? Or 1993?