I feel like I go from one financial juicebox to another. I can't save money, am trapped in an unpleasant job situation as a result, and the whole mess has me frankly pretty depressed. Is there anything at all that can be done? Warning: long woe-is-me descriptions within. [more inside]
I'm a veteran, no-contract, no-union teacher. I just got a much better job offer and I'd like to be able to leave my current position and get maximum $$$ from them by getting paid out for sick days. How to do this? [more inside]
Twice this year, I have had the experience of a business I patronize asking me for the name of my employer. The first one was my dentist. The second was a car rental company. What is up with that? Why do they need to know this information? Do they have a legal right to this? Is there some kind of business reason for it? I find this practice rather aggravating and would like to be better informed so that I may do a better job of deflecting these inappropriate inquiries in the future. Many thanks in advance.
Should my wife and I, who still want to be married, get a divorce to better pay some LARGE bills that will be coming? [more inside]
We need to figure out details of withdrawing money from retirement accounts (because very soon we have to, because of age) and where to put that money, and a whole bunch of other stuff. We want to consult with a financial advisor who charges for their time, NOT a percentage of our investments. (We also want to find a lawyer who specializes in wills, trusts, etc. -- or at least is good at them -- to get information about that side of things.) We're in Manhattan. Thanks!
Where should I put my money, with specific goals in mind? [more inside]
I am stuck in a constant cycle of deep underemployment. I live a life of sheer financial terror and bitter dissapointment. I can't continue like this. [more inside]
Can you refer me to blogs, books, or other information on planning one's personal finances for the mid- to long-term that does not assume the traditional route of marriage, children, and supporting a family? [more inside]
I asked this question several weeks ago... and I'm back. How do I professionally ask/demand to be paid to do a much bigger job. I'm willing to quit over this, but would really prefer not to. [more inside]
I'm in Washington State with a Premera Blue Cross HSA HDHP. I'm maybe, finally, in a position to start funding an actual health savings account, not just pay my household's premiums (~$400/mo for two people) and treat my insurance as a lame catastrophic plan. I'm having trouble finding a good account provider, though, and would like some recommendations. [more inside]
Hey everyone! I've got a tough decision in front of me... I am lucky enough to be in a position where I have to choose between two job offers. One of these companies is American Eagle Outfitters and I would be working as a graphic designer in the corporate office in Pittsburgh. The other job is at yet another big PGH company, but for a slightly different position. I know people that work or have worked for the second company, so I've got the scoop on that option... However, I don't have any "inside info" on working for AE. Essentially, my position at AE is being called a "freelance" job, but I'd be working in the office 5 days a week with varying hours (and I'd be a W2 employee). That is a bit confusing to me, as (through personal experience) the words "freelance" and "W2" usually don't go hand-in-hand. ;) Anyway, sorry... rambling! Has anyone here "freelanced" for AE Corporate in the past and can give me some info on how it went/what it was like/etc.? I've got a big decision to make by end of day Monday!
I have a bit of a situation after trying to pay a friend for a plane ticket using Venmo, and overdrafting my account. [more inside]
I'm from the first world. I work for a first world company. I receive a first world wage. Like many people on this site. You would probably find me completely average. But I live in a country that is poor, with a lot of inequality. [more inside]
Looking for recommendations for currency transfer services that are reputable, reliable and won't tack on as many fees as an international bank wire. This is for sending from a personal bank account in the US (from USD) and transferring to a personal bank account in South Korea (to KRW). In case it makes a difference, I'm interested in both of these scenarios: [more inside]
I have a new baby family member -- my first! hooray! -- and I'd like to put some money into savings for him. What's the best way to do this? [more inside]
Should I put a 300K cash windfall into buying my first home, or into a Vanguard fund to generate interest? Details inside. [more inside]
I'm coming into some money. How should I allocate it? Exciting debts inside. [more inside]
Which should come first once I start making more money: save for a house, or save for retirement and a 6 month safety net? [more inside]
I am in my late twenties and beginning to realize I don't understand how credit cards work and that they kind of matter. [more inside]
My sister had a baby. My brother and I are giving her a larger-than-normal for our family chunk of cash for her birthday. Please help me write a card that doesn't make me sound superior, or her obligated. [more inside]
I find myself in possession of $2500 that isn't mine, and due to a series of events I'm not sure what to do with it. [more inside]
I'm looking for a rewards credit card that will email me my balance--not just my purchases--daily. My current card will email me all my purchases as part of its fraud alert service, but I still have to log in to check my balance. Do you have or know of a card that will email me my balance? I'm pretty sure I had one like 15 years ago, but I don't remember what bank it was with.
I'm shopping for a new basic personal checking account at a bank or credit union in the L.A. area, because I no longer qualify to get the monthly fee waived at my current bank. Must-haves: Need to deposit paper checks reliably, with a fast availability of funds. Online banking must have two factor authentication. Lower fees: say, under $10... under $5 would be better... free would be excellent! I've put a list together... can you help me think of other candidates? [more inside]
I'm looking for podcasts featuring interviews of people who, for a time in their life, were really struggling - terrible luck, financial disaster, serious illness - who were able to pull it all together and become comfortably successful. [more inside]
I need a 20 euro money order to get some documents from Portugal. How can I get this in the United States? [more inside]
Best, cheapest way to send money electronically under a pseudonym? I want to use a company name but don't have a company bank account and I'm struggling to get PayPal to allow this. [more inside]
I'm interviewing for a web developer job at a large tech company. One of the pre-screening questions is what compensation I want. As I live in Chile, I don't know what's to ask for. The job could be in Seattle or NY. [more inside]
What would be considered normal wear and tear in a rental property to deduct from a security deposit after 6 years? The place looks pretty bad. [more inside]
So I'm looking for a new car, and lucked into a 2007 Corolla that has only about 40K miles, is reasonably priced at $7.5K, has no rust (a big deal in Maine) and nothing sinister in its past. EXCEPT. In the course of my Carfaxing, I noticed it's subject (as of mid-June) to this terrifying recall. [more inside]
I'd like to convert 729 livres in Lyon, France in 1736 to contemporary US dollars. [more inside]
I recommended a friend to our apartment complex, which earns me a $200 referral bonus. My roommate has never met this friend, nor did she know I had recommended the place to her. My roommate seems to expect half of the bonus. Do I split it? If not, how do I bring it up? [more inside]
Help me help my Greek relatives. [more inside]
Whenever I buy an item, and later discover there was a cheaper way to buy the same item, it really upsets me. It bothers me for hours or days. This stresses me whenever I need to buy variable-cost items like plane tickets and insurance, because I will probably find out I didn't get the best deal and then feel bad. What's worked for you in fighting this neurosis? [more inside]
I just went for an interview but they took it a lot more seriously than I did and now I have to tell them that I don't want the job (even though I am starting to be in need of it). How do I handle this? [more inside]
A person on FaceBook has pondered why self-service checkouts always return two 20p and one 10p coin (UK obviously) as opposed to a single 50P coin. Which led me to wonder - is there a general approach for choice of returned coins in programming coin-operated machines? Do you get rid of the lower-value shrapnel first? Or do you try to strike a balance somehow to ensure availability of most combinations of returned values?
I am going to spend most of my savings on grad school living costs over the next 3 years. Hope me figure out how to best manage my currencies? [more inside]
I am going to Japan soon, and will be there for a month. The answer is yen, obviously. But I have American and Australian dollars/bank accounts and can't figure out which one I should use. [more inside]
If I'm expecting the traditional American wedding (registry, rehearsal dinner, lavish ceremony, reception) industry to expand over the next few years, where would I invest my money? My experience was mostly with local people, but I am sure there is some behemoth out there who's bread and butter is based on that style of people getting married.
I worked long and hard on a design project that ended up not being used after all. I'm being asked for an invoice for my work and I need a little help figuring it out... [more inside]
So basically I'm wondering what the options are for someone with loans and other debt who needs a financial manager or advisor. I have recently become employed for a new company and while things are going well in that, I want to know where I can find someone to figure out my financial situation including calling debtors to find out exact amounts owed. I find it personally very emotionally difficult to do and it would be great if I could get help in doing that. [more inside]
So the issue is this: I would like some ideas about how an organisation helping children by educating them, making them do sports, etc. can obtain money for the electricity, food, maintenance. [more inside]
In the bigger picture, which masters program will I benefit from most? [more inside]
I'm in my thirties and I just got my first 'grown-up' job. Now find me a book that teaches me grown-up finances. [more inside]
I’m trying to determine if it’s worth it to plan a career change from engineering to patent law, with a lengthy, difficult, expensive stop through law school first. Have you done this? Do you have special insight? [more inside]
I'm trying to start to budget more and I periodically have these a-ha moments where I realize I have been spending waaaay too much money on things that I shouldn't. Help me figure out what else I'm missing. [more inside]
I have an emergency savings fund with at least 6 months of living expenses. It's almost exactly the same amount as my total debt (credit cards and student loans). I am really tempted to just get rid of it all in one fell swoop, but I'm not sure this is a good idea. I have a steady income and fairly predictable expenses (though anything could happen). No kids, spouse or house. [more inside]
It seems to me that there is a ridiculous amount of money to be won in competitions, in the UK at least. But how does somone tip the odds in their favour, to give themselves a better shot than everbody else? This persons "edge" is an IQ of 154. Method one: enter every possible competition going. Disadvantages are its very time consuming, and doesn't use my edge. method two: only enter competitions that are incredibly difficult, such as crosswords, thus thinning the field. Disadvantages are it will take time to learn new skills. Method three: Gambling. Dont even go there. Method four: the sure thing - a game show. Zero risk, almost guaranteed a hefty cash prize or a car. Disadvantages arevthat these are massively over subscribed, with waiting lists measured in years. So Mefites, any suggestions? (Before its mentioned, already have a decent job!)
What questions should I ask to evalualate a job offer with salary and stock options in Silicon Valley? [more inside]
My brother is around 30 years old, 6'2", 286 lbs. He doesn't exercise but he's not a weakling. In fact, people who see him think he's less heavy than he really is. Lately his health has deteriorated big time and I think he's in need of an action plan. Help (and please no cynical answers--just kind and helpful ones please)! [more inside]