Have you ever had someone else sublease (sublet) your rental apartment, long-term? (Long enough that the person was paying you month-to-month, rather than paying you all in advance?) If so, how did you find a reliable person? Or what happened when you found a bad person??
I have just spent the afternoon watching stocks around the world decline partially based on sub prime market fallout. My question is how can things be so great when the Fed is handing out stacks of cash to keep things stable (34 Billion USD and counting, not including the international bail out)?
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]
Any tips or tricks to memorizing financial math formulas [more inside]
Seattle Filter: Looking for a Financial Planner to assist twenty-something newlyweds with combining finances, investment strategies, etc. [more inside]
Can anyone recommend a financial advisor who specializes in clients who live overseas? [more inside]
What is the best method to resolve this debt? Is it possible to have it removed from my credit history entirely? [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]
Financial planner in Boston area [more inside]
I need to find a free or very low cost service where I can sit down with a live person on a weekly or monthly basis and help make a budget we can stick to and sort out my family finances. I am not low income. Does such a service exist for me in Maine? [more inside]
I'd welcome hearing of Mefites who have had experiences with the Prosper
website as a borrower. (Or, if no one can help me on that, recommendations for Chicago or national credit unions accessible to most anyone.) [more inside]
Any reason to keep laboratory invoices? [more inside]
Anyone have experience with USAA Financial Planning services? [more inside]
A friend needs to find a good place to park some money that will ultimately be used for house down-payment purposes. Help me come up with a few good investment options. [more inside]
I could use your help hive mind. I'm currently taking an accounting course in college, and I'm having difficulties with financial statements and what gets reported where. I'm looking a mnemonic system that can embed this into my brain, as well as tricks and formulas which can help simplify this for me. [more inside]
Is holding a small amount of money in the form of insurance stock a smart move for a mid-20s grad student? [more inside]
Is it unreasonable to put a lawyer on a budget? [more inside]
My boyfriend recently received $25K as part of a settlement after his father's death, and he'll be filing the FAFSA for graduate school soon. [more inside]
How long does it normally take to get approval of the filing of a federal estate tax return? How about the filing of an Iowa inheritance tax return? eg, how long does it take to receive the tax clearances from the feds and the state authority? If it matters, the returns are being filed by a major financial institution for an estate with substantial assets.
I have a question about resolving an issue with my credit that is keeping me from opening a new bank account. I was overdrawn at Washington Mutual in California. The amount is around seven hundred dollars. It went to a credit agency a while ago and now shows up on my credit report. I have moved to Pennsylvania and when I went to open a new bank account, surprise surprise was not allowed to. The bank employee told me that what I needed to do is call the credit company and tell them that I will pay the full amount, (which I want to do, and thankfully, can now), if I get them to agree to send a written confirmation that I have made good on my debt and that the matter has been resolved. He said that is the only way that I will ever get to open an account at any bank. A few weeks ago, I went through metafilter with a fine tooth comb to find advice on how to go about this, but didnt find the answers I need. [more inside]
Where can I find the Audited Financial Reports for a bunch of nonprofits? [more inside]
My mom opened a mortgage broker business this year. Advertising budget is under $800/month, local radio and cable have both been unable to come in under that budget. Currently running newspaper ads in 3 or 4 pubs. No responses. Any low cost innovative ideas to help her reach potential customers?
Rather easy question with a long explanation behind it. What is the website where I can look up what different banks are offering as interest rates? I'm in NYC and considering switching banks because of a potential problem I see developing...More inside.... [more inside]
How much trouble can I get into for lying on a financial affidavit? It's for divorce court - and it's not what you think! [more inside]
I'm currently in a career dilemma, debating myselfe whether I should continue doing what I do as a data analyst (in sales analytics) or start a new career as a financial analyst (FA) after taking some necessary classes or training. One of my motivations is that FA gets paid more than data analyst, very easily, and FA deals with cross-department data and plays a much bigger, visible role in terms of decision advising and/or making.
I did very well in accounting, finance, and economics when I was in the business school and still have clear understanding of the concepts. However, I don't have experience or proper training in financial analysis. Will an online course like this one financial analysis
gear me up in a short time? If not, whatelse shall I do to get myself ready besides taking classes from a university?
My other question is:
How likely will companies hire someone like me with strong background in data analysis but none from financial perspective?
If you have any experience, thought or input, please share it with me. Thank you so much.
I've fallen for a phishing attempt. Based on what they may have, what do I do now? [more inside]
Credit Card Filter: I know there has been plenty, but this is a bit different, I searched and could not find anything related. I am beginning to work for a company who let's me use my own credit card for expenses. Problem is I do not have a credit card, I have a debit card. My credit isn't that hot. Basically, I am looking for a credit card that is easy to get and that I can get miles on. Remember my credit is whatever.
My current level of "life management" skills aren't cutting it anymore (not that they ever did so great to begin with). How can I get my act together? [more inside]
I have lived in Minneapolis for 7 years, as I went to school here and had my first "real" job here. I have been planning on moving to Oregon at the beginning of April, turned in my lease, etc. Just today, I received an excellent job offer in MN from a submission I made in October, I haven't been applying around here for the past few months. So, do I stay and take the job, or move as I have been planning, although I have no employment prospects in Oregon, just the desire for change.
I haven't received payment from my supposedly biweekly paying job for nearly two months. This lack of payment has resulted in financial difficulties for me. How do I force payment? Do I have any recourse for the financial difficulties that have resulted due to their negligence? [more inside]
I was given a $500 savings bond dated 7/27/05. Is there any way to cash it in today?
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]
What's the best way to invest a half-million dollars? [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 girlfriend is getting ready to start grad school this summer, and is having a hell of time figuring out what needs to be done for financial aid. Obviously, time is running out. [more inside]
I did some freelance work for a company last year and have a number of unpaid invoices. It's been too long, it's time to cross over to Bad Guy.
Unfortunately, I'm a terrible Bad Guy, so I need someone else to do it for me. Does anyone know of a reputable collection agency? How does one evaluate them?
In the UK we have what are called Independent Financial Advisers (IFAs) who, funnily enough, give independent financial advice, either for a fee or commission. Collectively the IFAs run ads in the major papers and have a website
where you can find those local to you - you can go and see a few if you want, getting a second or third opinion. I now live in California - is such a service available here, and if not, how do you guys go about getting trusted advice on major financial decisions?
I'm the treasurer of a small non-profit organization who has been keeping track of our group's finances in a crude, checkbook-style format. I'd like to keep the financial records in a more professional way, as if we were a small business. What's the best way for me to learn how to do this? Can anyone suggest good books or software that will help me learn this?
I am looking for good, active websites for financial advice, tips...community run unbiased sites where members are free to post their views would be good. I did a search and cannot find anything interesting. I am already aware of fool.com. Any others?
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.
According to numerous reports I've read in the last few days worth of the Business Section of the newspaper, Microsoft's "stock price can be expected to fall by the amount of the dividend
." That's the one-time $3 dividend that is coming sometime soon for those of you who don't follow this sort of thing. Anyway... I don't get it? Why is the stock price expceted to drop about $3 the day after this dividend? I like to think of myself as knowledgeble about the markets, and I understand that this dividend will remove $3 per share out of the bank for M$, but aren't stock prices valued more in terms of the value of the company and its holdings rather than simply the value of the money in the bank?
Amateur economists, VCs, MBA students: what's a fair price for a google share? Based on what assumptions? [more inside]
So Lucent got fined yesterday, to the tune of mamny millions of dollars, byt the SEC for the criminal euphemism of Account Irregularities.
Like other high profile SEC investigations, why do they always mention the fine, but never discuss where the funds go?
Are they used to offset the defrauded investor's losses? Or does the gov't turn the investor's loss into it's gain by keeping the fine for its own purposes?
So yesterday my wife — Ms. We're-Not-Moving — found a house closer to Portland that she loves. We both love it. The only offer we can make, though, is contingent upon selling our home, which we hadn't even considered until yesterday. Help! Does anyone have experience with this kind of thing? What can we do to make a contingency offer more attractive? What about bridge loans? Anyone have experience with those? I need advice on hurried real estate transactions (other than "don't do them").
Does anyone here do any programming for financial modeling? (more inside) [more inside]