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Relocation challenges out the wazoo......

I'm attempting to make a big change to help myself professionally and the challenges are proving much more formidable than I anticipated. [more inside]
posted by strelitzia on Sep 18, 2014 - 11 answers

Best practices for raising rates?

I am a freelancer. Please help me understand how to raise my rates. [more inside]
posted by BlahLaLa on Sep 10, 2014 - 8 answers

Money management

My husband and I recently came into $35k. Assume this amount is after taxes. What would be the smartest thing to do with this money given our situation? Details inside. [more inside]
posted by Librarypt on Sep 8, 2014 - 24 answers

Book recommendation filter

I want to read a book about the sociohistory of inflation: something like Graeber's Debt is the closest analog that comes to mind, tho probably a poor one. Does such exist? [more inside]
posted by PMdixon on Sep 7, 2014 - 3 answers

Can I borrow 5 dollars?

What are some quick, legal, and ethical ways to make extra money over the next few months? Relevant details inside. [more inside]
posted by MariJo on Sep 6, 2014 - 19 answers

Business and Economics 101 for a complete newcomer

I want to become literate in two of the major fields that are the most foreign to me, business and finance or economics. Can you help with book or website recommendations? [more inside]
posted by quiet earth on Sep 6, 2014 - 5 answers

Discouraged with my job prospects-- how to stop feeling worthless?

I graduated recently with a BA in English, and was set on academia so naturally I pursued a masters. Around the time of submitting my thesis I started work in an entry-level admin type role, which I have been at for the past year. My thesis was recently passed, and I'll graduate this autumn. [more inside]
posted by sociology on Sep 5, 2014 - 15 answers

Leaving the US permanently. What to do with my savings? (non-US citizen)

I'm a french citizen, I've lived in the US for the past 10 months (leaving in a month) and I have ~10k on my savings account. What should I do with the money? [more inside]
posted by eta on Sep 4, 2014 - 13 answers

Do Americans leave money on the restaurant table or bar and leave?

In the movies Americans often just leave money on the bar, or on the table at a cafe or a restaurant, and walk out. Does this happen in real life? [more inside]
posted by UltraFleece on Sep 4, 2014 - 49 answers

How can I address the sexism in my parents' estate planning endeavors?

How can I address the sexism in my parents' estate planning endeavors without seeming like I'm a money-hungry vulture? My parents were born in the 40s and recently they have been working to set up a revocable trust. They have two children, me and my sister. My sister is unmarried and I have two preschool/elementary-aged daughters myself. [more inside]
posted by anonymous on Aug 31, 2014 - 25 answers

Inheritance & income tax confusion

My brother had access to my late grandmother’s banking accounts. She passed away two years ago. My mother mentioned several months ago that there was still some outstanding money to be distributed to beneficiaries from the estate. Around $5k had been reserved in case there were any outstanding fees or taxes to pay. [more inside]
posted by anonymous on Aug 29, 2014 - 2 answers

mo money, mo decisions

What kind of financial planner do we want? I was referred to a financial planned by someone trusted but he's the kind that takes a percentage of your money each quarter and moves it around. This made me nervous. What options are there? [more inside]
posted by beccaj on Aug 26, 2014 - 10 answers

Employment, past salary, and credit checks in the information age

At what point in the process can a prospective employer get my actual salary amount from my soon-to-be-previous employer? [more inside]
posted by anonymous on Aug 21, 2014 - 11 answers

UK wine drinker wanting to save money!

Looking for somewhere online that sells cheap wine by the box. Anyone recommend a good website? [more inside]
posted by welovelife on Aug 21, 2014 - 2 answers

How do you compare profits to loss due to inflation?

I'm trying to compare the compounded losses due to inflation to non-compounded profits. E.g. if inflation makes me lose 3% of an investment each year, what % would I need to profit each year in order to exactly keep up? This is tricky because the profit is not compounded the way inflation is. I'm not looking for an answer to this specific question, but rather, looking for a tool or method to do this kind of math. [more inside]
posted by brenton on Aug 21, 2014 - 12 answers

Is there a downside to being added to someone's bank account?

Is there a downside to being added to someone's bank account? Many, many special snowflake details follow. [more inside]
posted by lieberschnitzel on Aug 16, 2014 - 16 answers

Financial crisis when I have awful credit and am too sick to work

I posted here about my financial situation of being on disability for mental health reasons. Right now my PTSD symptoms are huge and all-consuming, so I am not able to accomplish much at all. However, I'm hitting a financial crisis point and need to find some remedy. My credit is too bad to get any kind of loan and I don't know who I could ask for one personally. Do you have any suggestions?
posted by mermaidcafe on Aug 15, 2014 - 9 answers

make $ and retire early, or take federal job with more security?

Imagine you have the choice of taking (1) a very lucrative but highly demanding and stressful job in your current city, and (2) a federal job that requires a move and that pays only 25% of the lucrative job. Job 1 comes with an initial 2-year contract. While there's a possibility of getting sacked after two years, I imagine they'd renew the contract for at least two years, and if I'm performing well, I could keep going after that. If I got sacked, I could probably find another similar but probably less lucrative job, but it would take time and be quite stressful. Federal job is presumably more stable. Which would you take? Possibly relevant details: early 40's, married, no kids (and no plans of having any), very substantial savings to date, home-owner (with mortgage), currently living in big city. Interested in hearing your life experiences vis-a-vis working life and retirement. Are there benefits to trying to maximize income early and getting out of the game, vs a more slow and steady approach that provides more security? I'm clueless about retirement and recognize that a financial planner could help, but for now I'm more interested in hearing other's experiences.
posted by anonymous on Aug 11, 2014 - 19 answers

Landlord staying at my place while I'm gone - should I ask for $$?

My landlords (a lovely 60-something couple who we like and who like us and with whom we have multiple acquaintances) are staying at their/our house for 1.5 weeks while we are on vacation. Can I ask them to knock a few bucks off that month's rent and not be an asshole? [more inside]
posted by tristeza on Aug 10, 2014 - 21 answers

Do I qualify for an apartment that has income restrictions?

There's a couple of apartment complexes that I've been looking at, but they're income restricted - you have to be making less than $36,960 for one person to qualify. I don't know if I qualify, even though my income is lower than that, because I'd also be going to school part time at a local community college for the next year or so. Here's an example of an apartment complex that I'd like to check out: Addison on Fourth. [more inside]
posted by spinifex23 on Aug 8, 2014 - 8 answers

addicted to giving away money

This is my first ever question on metafilter, and it probably sounds absurd. I recently got a relatively-high-paying job away from home, and I'm only 23. Maybe it's because I'm lonely, but only time I feel good about myself or feel like I'm worth anything is when I help others. [more inside]
posted by Ain on Jul 31, 2014 - 27 answers

What is the best thing to do with $10,000?

I have just found out that I will be inheriting $10,000. I want to maximize whatever I do with it, but I am not sure where to start... [more inside]
posted by JoannaC on Jul 29, 2014 - 19 answers

We've been screwed by a vehicle buyer. What should we do first?

My partner and I currently live in PA. Before moving here from CA, my partner sold a vehicle to a private party (I was not a part of this transaction). That guy never registered the vehicle and collected a ton of tickets.. which he never paid. The state of CA just auto-deducted over $800 from his bank account to cover these tickets. Rent is due next week, and our landlord is kind of a drag. We're a little overwhelmed. This is terrible! What happens now?
posted by ElectricGoat on Jul 24, 2014 - 15 answers

Should we pay friends to babysit?

Mrs. Zooropa and I have a 17-month old, and are finally having a date night tomorrow night. We are new to the area, and have few friends and no family nearby. A co-worker of mine and his wife have agreed to babysit for us. Here's our quandary: do we pay them? [more inside]
posted by zooropa on Jul 18, 2014 - 35 answers

Discussed money with a client, now they're not responding.

Fellow sons and daughters of MeFiDom! I have taken your advice (that is, the extract from the collective juice from all your advice) and I was direct in the way I discussed money with my client. As a reminder, this is my previous post. Alas.. they didn't respond, so I figured my price was too high. Problem is, it's a project I really like. What now?
posted by cyrusw8 on Jul 15, 2014 - 24 answers

Overleased

A friend thought his lease ended August 1st, but he just got a call from his landlord saying that it ended two days ago. They don't have anyone slated to move in for two weeks, but say that they need that time to have the apartment professionally cleaned. What are the best steps for him to take? What rights does he have legally? We are in North Carolina. [more inside]
posted by matkline on Jul 15, 2014 - 14 answers

Help me plan for a difficult conversation with my mother

I need to talk to my mother soon about something I did, and I am looking for advice on how to handle the conversation in a way that respects her but is also mindful of my own boundaries. [more inside]
posted by mermaidcafe on Jul 10, 2014 - 12 answers

Most interesting science fiction/fantasy monetary or currency systems?

There are lots of interesting SF&F economic systems that are without money -- post-scarcity AI-nano cornucopias, magic subsistence economies, etc. For those who imagine worlds that still have money, though, what are the most interesting speculative monetary/currency/financial systems? (Please feel free to mention the obvious-to-you, as I've got big gaps in my SF&F reading and watching.) Thanks! [more inside]
posted by deathmarch to epistemic closure on Jul 6, 2014 - 18 answers

The Art of making Money

A good friend of mine, a London-based ceramics artist, needs to find a way of making her career more financially lucrative. By many measures, she is already successful: she has attained high-profile residencies, is signed to a prestigious gallery, and is critically acclaimed. However, she’s barely making enough money to survive and is starting to question whether it is worth continuing to plough her time into a career that will leave her impoverished. [more inside]
posted by anonymous on Jul 4, 2014 - 20 answers

How do you discuss money with a client?

Say a client hires you, a freelance creative person (artist, writer, designer, ...) for a project without bringing up the budget or asking about your fee. The client is valuable and you want to come across as smooth, friendly, and of course professional--so what are clever ways of approaching the subject?
posted by cyrusw8 on Jul 4, 2014 - 35 answers

Instead of giving you money, I'll buy food, drinks.. but, cigarettes?

If a homeless person requests cigarettes, should I fulfill that request? [more inside]
posted by euphoria066 on Jun 30, 2014 - 42 answers

Where to park $12,000 for 5-8 months?

I have a sum of about $12,000 of which I will probably need to access about one-half in November and the other half around February or March. It's currently sitting in a savings account where it's making negligible interest. Is there something better I could do with it in this very short time frame? [more inside]
posted by zeri on Jun 27, 2014 - 15 answers

Help some buddies form a biz together. No buddy bands.

I pretty much only have 2 non-family friends but i am really close with those two friends. We are all low to mid 30s living in different cities in the southeast. Two of us are lawyers, the third is in sales. None of us are breaking the bank but we live comfortably. The problem is (1) we dont work together and (2) none of are particularly in love with our jobs. We have been talking about forming a business together for years but we have thought of any idea as sad as that sounds. We just need some practical but that we could do together. It would be a side gig for us all unless it got big enough to replace our current jobs (the ultimate goal). Looking for suggestions on business ideas or just importantly suggestions on where to find some business ideas. They do not have to be sexy biz ideas but i should say we would probably not be interested in paid blogging, or similar 'work from home' business ideas. I would appreciate any thoughts! Best
posted by frednorton on Jun 27, 2014 - 17 answers

How can I safely and legally find 800$ in a week?

Ok, so...long story short, I am really having a hard time making rent for reasons outside of my control. It's due in a week, and despite exhausting every venue I can think of I can't come up with that money. [more inside]
posted by Rosengeist on Jun 23, 2014 - 27 answers

go to the bank, like an adult.

How can I as a poor person make myself less scary to a potential partner who has gainful employment and a career? [more inside]
posted by anonymous on Jun 19, 2014 - 28 answers

Frankfurt stopover - euro needed?

Do I need to cash/euro to get by for 12 hours in Frankfurt? [more inside]
posted by moshimosh on Jun 19, 2014 - 17 answers

How do I get my contractor to finish the renovation job I paid him for?

Almost three months ago, I hired a friend of mine to do about $18k worth of renovations to my condo, $4k of which is labour. However, I made the mistake of paying him in advance, and after I paid the last instalment, he started making excuses for why he couldn't arrive on the site to finish the work (it's about 90% done). The project, originally estimated at two or three weeks, is now two months behind schedule. [more inside]
posted by xekul on Jun 17, 2014 - 12 answers

Hey, that worked out...

I'm looking for stories about 401k withdrawals made under the age of 55 that didn't lead to any regret. I'm asking this because the "sane" thing to do with 401k-s always involves NEVER touching that money until retirement. So has anyone gone off this path and found out that it actually helped them out in the long run? [more inside]
posted by anonymous on Jun 16, 2014 - 24 answers

Does twitter ads hold itself accountable for followers it did not get?

Debating using Twitter ads at the company where I work- you only pay if the ads actually work, according to twitter - only if people follow you, they say. Our question - if it charges per follower, is it per follower who clicked through the ad and ended up clicking follow after being led there by the ad, or does it charge for every single - even organic or gained otherwise - follower you or your company or brand amass during the time the ad is running? This is a very big distinction as far as I am concerned.
posted by jitterbug perfume on Jun 9, 2014 - 3 answers

As an hourly contractor, what tasks should I charge for?

I'm an independent developer. I work from home, and I charge most of my clients by the hour. Often, a project will require the computer to do something while I twiddle my thumbs; for instance, downloading, uploading, running, or compiling a lot of code. I'm divided as to whether to charge for this. [more inside]
posted by user c on Jun 4, 2014 - 14 answers

Living 'below' your means, tips, experiences?

How'd you make a long term mental transition to having lower income without going crazy or going into debt? Say you made more money before and then because of life goals (or worse) your income was very much reduced. How'd you prepare? How'd you go against the tendency to spend your money? In other words, how do you not stress about money when you are able to save more money than many people make in a year? [more inside]
posted by sandmanwv on Jun 3, 2014 - 25 answers

Help me find ways to make more money

I am unable to work because of disability. I collect SSDI and while I get food stamps, I only get $17/month, which doesn't go very far. Since I went on SSDI in 2010, I've tried various ways to supplement my income, but I have yet to come up with anything reliable. Budgeting is not the problem; there simply isn't enough money. Plus, it would be nice to improve my quality of life even a little bit. [more inside]
posted by mermaidcafe on Jun 1, 2014 - 20 answers

My houseguest will be staying for weeks but doesn't have spending money

I agreed to let a friend from out of the country stay with me for almost a month this summer, but now that the visit is getting closer, she has been mentioning that she doesn't have any spending money. Help me make sure this doesn't become my problem! [more inside]
posted by Neely O'Hara on May 30, 2014 - 43 answers

Take my money, please!

Manilla is closing, and I'm heartbroken. This app takes care of all of my accounts. Credit union, bank, investments, credit cards, amazon card (which mint can't do), auto loan, mortgage, utilities, subscriptions, everything! So I need a replacement. [more inside]
posted by notaninja on May 29, 2014 - 3 answers

Do I owe my ex-wife this money?

3 years after a divorce, my ex-wife is asking for money she'd contributed to our shared bank account. What do I do? [more inside]
posted by anonymous on May 28, 2014 - 50 answers

Paid for a car repair that failed, but mechanic is gone after surgery

We started having trouble with our car almost a year ago. We paid $1500 for a repair that failed, and the mechanic tried twice more without additional charges. Now, it’s failed again, but the mechanic had heart surgery and closed down the shop, and I haven’t been able to reach him. Is there anything left to do, or do we just have to accept that we’re out the money without a fix, and start over with someone new? [more inside]
posted by daisyace on May 28, 2014 - 10 answers

My friends paid me for a gift and it hurt my feelings. now what?

At a picnic with some friends, I gave everyone ten-ish minute massages (I am a massage therapist). It was a spontaneous gesture and I really enjoyed doing it. As I was leaving, a friend slipped an envelope in my bag. When I got home and opened it, there was a card with money inside, thanking me for their "first session". I feel like this turned a spontaneous act of goodwill and friendship into a business transaction. I'm hurt, saddened, and a little offended. I didn't want money or ask for it, and I don't think that I said or did anything implying otherwise. Now I feel like I'm not their friend, I'm hired help. How do I address this?
posted by windykites on May 24, 2014 - 22 answers

Where should we put our money?

My family's combined income just increased by over 50% in the span of a week, between a new job for my husband and a significant raise for me. This is obviously AWESOME. We went from living on a very tight budget so we could afford to put some savings away, to have a couple thousand dollars a month beyond even that savings. What do we do with it? [more inside]
posted by raspberrE on May 23, 2014 - 14 answers

How do I insure a newborn on short notice?

We just found out the baby we're having any day now is probably not eligible for medical care at birth on her mother's insurance plan. Help! [more inside]
posted by The Winsome Parker Lewis on May 22, 2014 - 17 answers

Should I pay off my student debt or invest my money? ( Canadian)

Going back to school in September after working for ~ 2 years. I've saved up a bit and I'm wondering how to make the best use of it. [more inside]
posted by winterportage on May 20, 2014 - 10 answers

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