I make $93,000 net a year and want to buy a $95,000 car. I'm 28, and keen to enjoy life before I get tied down with family and other commitments. I'm seeking your wisdom. [more inside]
I need some financial planning / loan help. I graduated from grad school a year ago, and I'm getting my life together. I'm doing well professionally, juggling freelance gigs -- this doesn't necessarily mean I'm paid well, but I'm happy and fulfilled with what I'm doing. But my personal finances are a total wreck, and I need a professional to help. Who should I be looking for? [more inside]
I have been paying $100/mo. for several years now for long-term care insurance with a carrier that is as good a bet as any in the market. But that is a big hit in my budget, and will be even bigger when I retire in a couple of years. It's kind of early in the overall history of this kind of insurance to be drawing conclusions from gathered data, but worst case, it could be just another corporate sleight-of-hand deal for sucking money out of the paycheck-to-paycheck crowd. I can not rely on family as an alternative strategy; I am in fairly good health so far. Should I consider this an essential expense?
My mother endured injuries while working for the post office that left her mostly immobile. She was eligible to retire early due to these injuries. She sued her doctors and they agreed on a settlement of 475,000 (Before misc fees and deductions). I believe its for lost wages. [more inside]
Corporate has just handed down a large change to our T&E policy that involves us submitting original unredacted copies of credit card bills and/or applying for a company credit card that we need to pay ourselves. This seems really out of line but I don't know how to respond. Slight snowfall to follow... [more inside]
I'd like a resource, be it a website, blog, book, etc. for learning about money, such as explaining inflation, compound interest, types of savings accounts, etc. I'm basically trying to learn how money works. Thanks. :)
Just found out my credit score sucks, now what do I do? [more inside]
Has anyone had any experience in dealing with organizations like nomoredebts.org or consolidatedcredit.ca? [more inside]
holiday gift filter: personal finance books for a brainy but somewhat clueless academic obsessed with not retiring in poverty? [more inside]
I need to know the right way to take my groundbreaking software concept from idea to reality. [more inside]
How much time do you spend each week or month budgeting, tracking spending, thinking about your money, paying bills, etc.? These are tasks that I hate, and I , therefore, do not dedicate enough time to do them. Right now money comes in (paychecks are automatically deposited into my checking and savings accounts) and money goes out (bills are paid automatically by my banks and I spend cash and use my debit card). However, I'm not tracking everything I spend (I know that I should be), and I'm not budgeting for the future. I have a (very) small savings, but basically live paycheck to paycheck. I know that tracking spending and budgeting are the way out of this trap, but I'm loathe to get started (again--I've tried before), because of how much time I anticipate it will take. If you are tracking spending and budgeting on a regular (weekly?) basis, how much time does this activity take in order to have a clear picture of your finances and adequately plan for the future? Thanks in advance for your replies.
I have the random fortune of being raised in a wealthy family. As I prepare for life after university I want to make sure I understand personal finance and properly manage the money that I've thus far received from parents and grandparents. Can you please help me? Snowflake details inside. [more inside]
Any suggestions for a "proper" bookkeeping app for personal finances? [more inside]
A charity gave me $1,000 USD they raised for me after a drunk driver wiped me and my motorcycle out. I am 56 yrs. old, sick from cancer and will be losing my job in December. I have little savings and will have to work at whatever my body lets me do, and probably lose my health insurance. I plan on selling my home and its contents and downsizing to a studio apartment. I have no credit card debt but hold two mortgages, both will be a wash at the sale. What is the best bang for my buck for this $1000 in this economy? A CD? Online savings account? Any suggestions?
Use cash to start a business or for a down payment on a home. [more inside]
House loan advice needed. Should I take out a loan against my house while I'm trying to sell it? [more inside]
Have I been wrong on my financial core beliefs? [more inside]
Questions about the best course of action to prepare for a possible economic depression [more inside]
A man has debt, he comes into a little bit of money... how best should he spend it? [more inside]
whats a good personal finance magazine to subscribe to? i know of kiplinger's. i don't know how good it is, though. what are some other magazines for personal finance?
I just moved 4,000 miles to Washington, DC and took a job with far less salary than I am worth in a new industry for the fringe benefits. I have about $18,000 in CC debt and have a modicum of a plan but need real financial help to sort out how to pay off this debt while in the meantime making something in the mid-30's. [more inside]
"Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." British personal finance blogs, forums and other resources? [more inside]
Does anyone know of a good financial advisor in the Northern VA/DC area?
How can I convince my wife that we need her income and that as much as we'd like to have our son at home with her instead of in Day Care, we have to face reality or severely cut back our lifestyle. [more inside]
How do you find and pick the right credit union? [more inside]
I need help generating an 'explanation' for my bankruptcy 6 and 1/2 years ago that will not make me look financially incapable to a potential investor. Are there any 'good' explanations for filing bankruptcy that I could use in order to not have this fact work against me? I need potential circumstances that would warrant a bankruptcy and sound reasonable to a potential business partner. More inside... [more inside]
Please recommend some good personal-finance related web sites. I'm looking for sites with good information on all aspects of personal finance and responsible money use. Most of what I've found is focused on investing, though, and on macroeconomics. I'm not interested in the Big Picture. I want sites that focus on the Small Pictures: dealing with debt, saving for the future, finding bargains, etc. Think Your Money or Your Life, but in web form. Big sites, little sites, weblogs, print magazines — I don't care, so long as it's focused on personal finance. Bonus points for sites with RSS feeds. [more inside]
Young married couple, mid-20's, good income: ready to take our finances more seriously. Who do we talk to? [more inside]
I'm trying to organize all that paperwork that's piling up in my home, but I'm also trying to simplify my life and reduce clutter. [more inside]
How long do I need to keep household paperwork (ie bills, pay stubs, W-2s, etc, etc, etc.)?