I'm eight years into a 30 year mortgage, having paid off about 10% of the total amount of the original loan. Does it make sense to refinance now if I can get a rate that is about 5/8 of a point lower than my current rate? This would shave about $250 off of my monthly payments. But then I'll still be paying for this loan for eight additional years after the original one would have been paid off, right? How do I calculate how much additional $$ I'll owe overall, and how do I decide whether paying more later is worth saving money now?
posted by ericbop on Oct 26, 2009 - 16 answers

What are ways to estimate what a car and car insurance would cost me if I moved to San Francisco? [more inside]
posted by scazza on Oct 20, 2009 - 6 answers

I’m in grad school and work full time. I have several Federal student loans in deferment, all of which are subsidized or unsubsidized with different interest rates. I have an extra $500 each month that I'd like to use towards my loans. If I want to have lower monthly payments when my loans go into repayment, should I make extra payments now towards the interest from unsubsidized loans with a lower interest rate or the principal of subsidized loans with a higher interest rate? Or is there a better approach? [more inside]
posted by yeoja on Sep 22, 2009 - 9 answers

I recently started graduate school supported by a National Science Foundation IGERT Fellowship and I just received my first paycheck--without any taxes taken out of it. Am I exempt from paying tax (state and federal) on my fellowship stipend because it's from the government? [more inside]
posted by Aanidaani on Jul 31, 2009 - 14 answers

How to determine how much I'm owed by someone who's not going to pay regularly ? (in Excel preferably). [more inside]
posted by southof40 on Jun 22, 2009 - 7 answers

I need to build something that allows a client to make credit card payments to my client. I want to use Authorize.net as the gateway but im not sure what backend i should use - a modified opencart or something similar. I DONT want to use paypal, blinksale, etc. as its not so much 'invoice' based but more of a method of sending funds. This thread is very similar but no dice. [more inside]
posted by AMP583 on Apr 20, 2009 - 2 answers

Can I buy my first car with zero down and sub $300 payments? [more inside]
posted by HonorShadow on Apr 11, 2009 - 23 answers

Is it really that much better to pay off a mortgage in bi-monthly payments rather than once-a-month payments? [more inside]
posted by Spyder's Game on Oct 4, 2008 - 13 answers

Are there legal requirements for sellers to include an invoice in a shipment to a customer? [more inside]
posted by DarlingBri on Mar 27, 2008 - 7 answers

I work for a billing company and we would like to use an accounting software that can process credit cards and deposit the funds into our clients respective bank accounts. Does anyone have any experience doing this or have any recommendations?
posted by deadparrot on Feb 29, 2008 - 1 answer

Can I sell my place if I'm on a repayment plan for its mortgage? [more inside]
posted by hamster on Feb 14, 2008 - 2 answers

If a company had a "clerical error" and forgot to charge my credit card for 3 months, do they have right to charge it now? [more inside]
posted by wflanagan on Dec 20, 2007 - 11 answers

Beyond the obvious (Google and MeFi searches have been done), what can I do to restore my credit over the next 2 and half years? [more inside]
posted by The Deej on Jul 7, 2007 - 9 answers

I was recently made redundant from a job I'd worked at for 3½ years. Under UK law then, I was due a redundancy payoff of three times my weekly wage, up to a maximum of £290 weekly wage. From my reading though, an employer could be generous and pay three times the actual wage if it was over £290 - and I'd swear this was what happened the other time I was made redundant. But what experiences have others had? [more inside]
posted by Auz on Jan 6, 2007 - 4 answers

Will making a plan to pay off a creditor improve my credit rating...even before the whole balance is paid? Or do collectors not report to the agencies until the whole balance has been collected?
posted by bingo on Jul 20, 2006 - 19 answers

There is no way I can afford to pay my taxes in one shot this year. Is there a way to set up a payment pan with the IRS?
posted by ryanissuper on Feb 4, 2006 - 7 answers

Payment gateways ... A customer of mine is using Fast Transact as their merchant gateway. I would like to implement automatic payment processing through their gateway in PHP, but I can't find a code library that someone else has written that implements the Fast Transact gateway in PHP. Have you? [more inside]
posted by SpecialK on Nov 23, 2004 - 6 answers

I run a not-for-profit theatre company. It's a 501(c)(3) corporation. We would like to take our own ticket orders online via credit card. We're currently using Smarttix.com, but they take a big chunk out of each ticket sale -- plus they charge us a $75 "setup fee" per show.

I'm wondering if there are other services I could switch to that would be more cost-effective.
posted by grumblebee on Nov 8, 2004 - 15 answers

Suggestions for easy, cheap, reliable third-party merchant accounts? I've looked at 2CO and charge.com, but first I eagerly seek the voice of experience. [more inside]
posted by brownpau on Apr 12, 2004 - 2 answers

Having bought a house, I'm now faced with paying a mortgage. You save a few bucks (and the effort of remembering to mail a check each month) if you have the payments deducted automatically from your bank account; is there any reason I shouldn't do this (assuming I keep enough of a balance to cover it)?
posted by languagehat on Jan 2, 2004 - 12 answers