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140 posts tagged with interest.
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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

Seach engines store search history

I think we know that the search engine providers store a history of your searches. We hear about law enforcement checking someone's search history for the poison and bomb-making searches they have done, etc. etc. But some search engines now do predictive search as you type out the letters. Auto suggestion or instant match or whatever they call it. So as you type .... b-o-m-b-, the suggestions and sometimes results appear (bombay bicycle club, bomber jacket, bomb timers, etc.). You can certainly get the search results you may be looking for without ever press enter. And with some, the search result change as you scroll up and down a list that it has suggested for you based on the first few letters typed. So when/what is the record of your searches made? It is every letter you type? or only when 'enter' is pressed? or the position of the cursor as you scroll through a list? Or only whatever's in the search box when a link is clicked (so you see read the page summaries without that being tracked, but if you click a link, then that's a search 'hit')? I don't know. Could you help me understand please?
posted by Xhris on Sep 5, 2014 - 2 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

Looking for the best Credit Card option to transfer Approx. 18k balance

Fell on some hard times in the last two years, blah blah blah... Anyways...We built up about $18,000 in credit card debt, with little savings left.... We are slowly getting back on our feet and would like to minimize the damage of interest that will build as we try and pay this card off... [more inside]
posted by TwilightKid on Aug 5, 2014 - 11 answers

One last question about my crisis

I’m still having panic attacks. I’m having a hard time getting my thoughts together because I’m so stressed -- and they’re kind of circular on top of that -- so forgive me if this post is tough to understand. [more inside]
posted by myitkyina on Jul 21, 2014 - 18 answers

Any out of the box ideas for getting a lower mortgage rate?

I don't qualify for any of the recent government sponsored programs. I continue to drool over the low interest rates and want to know if there's something I'm not thinking of that I could take advantage of before rates start to crawl back up. [more inside]
posted by SquidLips on Feb 26, 2014 - 6 answers

What is a fair interest rate for this debt I owe?

I was the executor of my mother's estate after she died in February of 2006. The estate was discharged in March of 2007, and the assets distributed to my brother, my nephews, and me according to the terms of the will. All the assets, that is, except for $6,000 that I left in the estate's checking account as a hedge against unforeseen developments. There have been no further developments, and the money has sat in the checking account all these years. The account is non-interest-bearing. I've been remiss in waiting so long to disburse the funds, and in not obtaining any interest for them in the meantime. I want to make this right. How can I do so? [more inside]
posted by saywhat on Jan 10, 2014 - 14 answers

How do I develop an interest in football?

I'm a dork who's never been interested in any sports at all. I've never played or watched any sport. I don't see why it's so interesting. But sports, especially football, is one of the most-watched type of show on television. The Superbowl is like a national holiday. I feel like I'm missing out on something big. How do I develop an interest in football (or other sports) after a lifetime of disinterest? What makes football exciting that should be obvious?
posted by Sleeper on Nov 21, 2013 - 30 answers

How does USA's new debt ceiling affect property owners in Australia?

What should Australian property owners and potential buyers be wary of in regards to USA's credit rating going down? [more inside]
posted by gttommy on Oct 21, 2013 - 9 answers

Principal and Interest versus Interest only.

Please confirm or otherwise guide me about the distinction between a principal and interest versus an interest only home loan, in the important context of 100% offset. [more inside]
posted by wilful on Oct 2, 2013 - 7 answers

Any experiences consolidating student loans with SOFI?

I just found out about SOFI, a company/ service that will let you consolidate your student loans - they solicit other alumni to lend. I am not interested in consolidating my federal loans (want that federal guarantee / public service forgiveness option) but I have two companies now servicing my private loans and think this could be a good option for me. [more inside]
posted by ethel on Sep 6, 2013 - 2 answers

Is there a reason I shouldn't apply for/get a few more credit cards?

Lately I've been thinking I should apply for a few more credit cards in order to take advantage of points, cash back, and other bonuses. Assuming I am not currently in debt, I already own a home and don't foresee needing any loans in the near future, and assuming I pay my bill every month, is there a downside to doing this? [more inside]
posted by bondcliff on Aug 20, 2013 - 14 answers

How long should you hold long-term muni bonds?

How long will it take for medium/long-term municipal bonds to recover from inevitably increasing interest rates? For instance, taking into account the interest payments what is the timeframe necessary to hold longer term municipal bonds before you break even from increasing interest rates? Relatives of mine are invested in FHIGX and I know that as rates increase the face value of their bond portfolio will decrease but when is the expected break-even based on a historical average of say 5% short-term rates? Thank you for your help with this question.
posted by gibbsjd77 on Jul 18, 2013 - 10 answers

$80k: travel or invest? Best use of money.

I've saved up about $80,000 over the past few years, with no debts, loans, or mortgages. It's always been my dream to travel the world, and I've been planning to take my money and run off for the next few years, hopefully figuring out how to run an independent software business in the process. However, I don't know much about investing, and for all I know there might be a better use of my savings right around the corner. (Two questions about investing inside.) [more inside]
posted by anonymous on Apr 29, 2013 - 20 answers

What should I do with my nieces' money?

Some time after my second niece was born, I started sticking a couple of bucks a month into a savings account I set up for each girl. I've been plugging along for years, and now they are 9 and 12, and I have about $600 for each of them. I'd like to figure out a better way to save/invest the money than what I've been doing so far. [more inside]
posted by Neely O'Hara on Apr 18, 2013 - 10 answers

Must have been one helluva loan

In a nutshell; how much does the USA owe for "debt incurred in past wars", are there easy to understand figures for which wars specifically, and who does it owe it to? [more inside]
posted by Wordshore on Apr 6, 2013 - 7 answers

How is interest that is calculated daily accrued on large loans?

Making student loan payments stirred this question. I am trying to figure out a few things, specifically surrounding 3-day loan payoffs, payments that are scheduled but not withdrawn immediately, and interest that accrues in the meantime. [more inside]
posted by occidental on Feb 28, 2013 - 7 answers

Clarification on writing a Statement of Interest

Hello Hivemind, I will be entering grad school this fall and am in the process of applying for a research fellowship. The application states that you must submit a statement of interest that includes primary and collateral research interests, as well as career objectives. It should not exceed 3 pages. I am very aware that this is different than my statement of purpose, which I used when applying to grad school. However, I have several questions. My first question is, what are collateral research interests? Is this like a secondary line of research interests? If I had more research experience and was published, etc, I could see making the three pages. But, I only have a senior thesis and junior thesis. So I was thinking that I might explain why I am interested in the fellowship and mentors I might like to work with, as well as answering the above questions. Thanks
posted by TRUELOTUS on Feb 11, 2013 - 5 answers

I like someone, how do I talk to them without sounding crazy?

I like a guy but I don't think of myself as attractive. Obviously, he is attractive to me, but I also think he is considered attractive by most people. People tell me that you should always aim for your own attractiveness-level, so I'm wary about this already. Plus I really don't know how to talk to him because I've placed him on this pedestal and I am completely in awe. How do I approach him? [more inside]
posted by madsy on Jan 18, 2013 - 27 answers

... all the trouble of a B.A. in English literature

I'm considering taking online courses/doing a part time degree in English for interest reasons. Will this be worth it? [more inside]
posted by Paper rabies on Jan 3, 2013 - 10 answers

Interview for the Potentially Disinterested

Interview questions for when you're not sure you're interested. [more inside]
posted by lunalaguna on Nov 4, 2012 - 4 answers

The amazing world of science let me show it to you

I'd like science-, scientist-, or engineering-related book recommendations for a 9th grade student reading at a 6th-7th grade level. [more inside]
posted by Salvor Hardin on Sep 27, 2012 - 9 answers

What's my loan payoff strategy?

I need some help with student loans. I took loans out in 2008 and 2009. Two subsidized and two unsubsidized. Now I'm on half-time school deferment and I'd like to take advantage of this! [more inside]
posted by your mom's a sock puppet on Aug 27, 2012 - 4 answers

Can I expect my partner to distance himself from someone who hurt me?

You have been in a healthy relationship for a long time? Help me figuring out how to feel and what to do about a conflict of interest between my partner and me concerning a third person. [more inside]
posted by anonymous on Aug 20, 2012 - 21 answers

New, [unsusual()?] career choices.

I am a Systems Engineer. I work with models and simulations and do a lot of work with Excel and Bespoke modelling tools and massive massive piles of data. I'm pretty good at it, most of the time. But, what else could I do (preferably in or near London) ? [more inside]
posted by Just this guy, y'know on May 17, 2012 - 3 answers

Desire for knowledge versus genuine interest in a subject

How do I differentiate between a love of learning and genuine interest in a specific subject? [more inside]
posted by constellations on May 15, 2012 - 5 answers

how to approach and how to make girls interested in you?

how to approach and how to make girls interested in you? [more inside]
posted by soul24rage on Apr 17, 2012 - 44 answers

Would I get higher interest from cash in a mattress?

PersonalFinanceFilter: Given the near-zero interest rates these days, what's the best strategy to use to allocate savings? [more inside]
posted by hot soup on Mar 5, 2012 - 18 answers

IRS = High Interest Savings Account?

True or False: If you're supposed to receive a refund from the IRS, but you file an extension and submit it at the very last, the IRS has to pay you the interest that has accrued on your refund, just like you'd have to pay any interest to the IRS if you owed taxes. [more inside]
posted by chara on Feb 21, 2012 - 8 answers

I may have missed the boat, what's up with credit card interest policies?

Are there any credit cards out there that still charge interest on the outstanding balance rather than the total balance? [more inside]
posted by anonymous on Jan 26, 2012 - 5 answers

Why would a person want a mortgage if they didn't need it?

Assuming that you could buy a house outright, for cash, why would you get a mortgage? A conversation got me researching this recently. Many articles suggest that if the interest rate is low, a mortgage is better. Yet I can't for the life of me figure out why paying low interest is better than paying no interest. A person with a 30-year mortgage usually ends up paying about 2 times the principal. School me, financial mefites. FYI: this is just a curiosity. I'm in no position to actually do this in reality.
posted by the jam on Jan 6, 2012 - 48 answers

Are there tax implications to my parents helping me to pay off my student loan?

[Canada Tax Filter] If my parents loan me money to pay back a non-government student line of credit from a bank, and I pay them a portion of the principal each month, are there any negative tax implications? [more inside]
posted by dobie on Dec 28, 2011 - 5 answers

UK savings accounts have higher interest rates than US, help!

US savings accounts have poor interest (~1%). UK savings accounts are better (~3-4%). Aside from the economics for this that I likely don't comprehend, as a UK citizen working in the US, is there some way of moving money easily, getting an international account, or getting a good savings account in the US?
posted by paulesque on Nov 18, 2011 - 19 answers

Is it a really bad idea to open a 0% interest card and transfer the balance while home shopping?

Is it a really bad idea to open a 0% interest card and transfer the balance while home shopping? [more inside]
posted by Prairie on Nov 3, 2011 - 2 answers

Help me figure out a finance equation

Please help me with a compound interest question (specifically with IRAs) [more inside]
posted by GnomeChompsky on Oct 26, 2011 - 17 answers

How can we possible afford the mortgage on a 500k house with only ten percent down?

Home Loans Question: How can we possible afford the mortgage on a 500k house with only ten percent down? [more inside]
posted by 2legit2quit on Sep 26, 2011 - 36 answers

Is a five by five loan safe?

My dream co-op financed--maybe. In my limited knowledge, the "five by five loan" sounds suspiciously like an ARM, although the lender swears it isn't. So what is it exactly? [more inside]
posted by Prairie on Sep 23, 2011 - 22 answers

How to calculate interest for a 26-months-overdue amount?

How to calculate interest on a long-overdue paycheck in small claims court? [more inside]
posted by anonymous on Sep 8, 2011 - 7 answers

Why does NPR refer to the interest rate as "near zero"?

Why does NPR always refer to the US Federal interest rate as "near zero" rather than a specific amount? Googling shows it's between 0 and 25 basis points. What is the exact amount, and why is it not referred to exactly? [more inside]
posted by odinsdream on Sep 2, 2011 - 20 answers

dear past prefpara: you should have applied for financial aid

I owe lots of money because I went to law school. I have a great job, so paying my loans back should not be the end of the world. If I can figure out how to do it. Can you help me figure out how to do it? [more inside]
posted by prefpara on Sep 1, 2011 - 14 answers

I'm going to pay off my no interest loan first, of course...

Is it stupid to pay off my low interest private loan before my quite a bit higher government consolidated loans? [more inside]
posted by sully75 on Sep 1, 2011 - 11 answers

Why not buy the BMW, sell it for cash, and hold on to a 1.9% loan?

I have a line of credit at 10% annual interest with my local not-for-profit credit union. BMW of Seattle is currently advertising new cars at 1.9% APR. I don't know much about finances or economics, and I don't plan to buy a BMW, but I understand that the loan is unsecured, while the car is secured debt and not a big risk for the lender, but isn't that a huge difference for someone with a perfect credit score? Why the discrepancy?
posted by halogen on Jun 17, 2011 - 12 answers

Put the ball in her court, nothing happened. Keep trying?

Went on two great dates with a girl I really liked. Texted for a third date and didn't get a response. Move on? Or reach out one last time? [more inside]
posted by anonymous on May 16, 2011 - 31 answers

Line of Credit: Good Idea, or Bad Idea?

Financing company offered me a 2000$ line of credit. I have questions. [more inside]
posted by br4k3r on Apr 28, 2011 - 13 answers

Should I pay off all of my loans before I try to buy a house?

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]
posted by anonymous on Feb 26, 2011 - 16 answers

Is there any way to contest deferred interest on a "same as cash" store credit card?

Is there any way to contest deferred interest on a "same as cash" store credit card? [more inside]
posted by freecellwizard on Feb 5, 2011 - 13 answers

Interest assessment test?

When I used to do testing for the State Employment service we had what we called a general "interests inventory" test ("Would you rather collect butterflies or draw a picture of a building?") We would give it to young people to help determine what areas of work they might like to pursue. Is there a current, free online test like that? My nephew wants to try to begin to set his son on a career path (freshman in high school) but the young man doesn't seem interested in anything special. Thanks.
posted by Tullyogallaghan on Jan 18, 2011 - 4 answers

Money Pit 2: More Banks, Less Hanks.

Can someone explain to me how buying residential real estate in a major/expensive U.S. metropolitan area makes any sense whatsoever? I'm really not seeing it right now (and yet I would love to join the landed gentry). [more inside]
posted by Admiral Haddock on Jan 4, 2011 - 45 answers

How can I gain the best interest on my money while still accessing it?

I have been fortunate enough to unexpectedly inherit £35,000 from a relative who died prematurely. What should I do with it? Caveats inside. [more inside]
posted by anonymous on Dec 6, 2010 - 7 answers

Help me understand interest rates

Why are mortgage interest rates currently so low? [more inside]
posted by TheOtherSide on Nov 12, 2010 - 9 answers

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