Someone we met earlier this year needs help. He has asked for a loan but we can easily afford to give the money to him. We're not sure whether it's better to lend it to him or just make it a gift. [more inside]
I'm in a fairly new relationship with my girlfriend. We've been dating 2 months and exclusive for the last month now. How can I bring up the topic of money to her in a mostly non-awkward way? I'm uncomfortable about talking about it, but I would definitely like some help on occasion with dating. She's 28, a registered nurse. I'm 30, work in IT Helpdesk. We both really like each other so far and I'd like to start bringing up topics like this in particular in our relationship. I really don't know how to word it or even when on a date to ask it? I've looked all around the internet, and there's a lot of advice on BRINGING it up but not what to say. I'm more than a little awkward with these things and almost want an EXACT scenario and script to go by. [more inside]
If someone has two kids, one of which has a child and one doesn’t, what’s the best way to split things up? [more inside]
I'll be getting a nice chunk of change fromt the passing of a family member. I'm looking for a little financial advice on what I should do with it. [more inside]
I've taken my car to the mechanic what seems like an unreasonable number of times to fix an issue. Mostly, the car keeps overheating. First, they replaced the entire radiator. The next time it broke down, it was the water pump, which also necessitated a new timing belt. It's been overheating again, and came close to breaking down. I talked with a guy who knows cars, but is not a mechanic. He says if it's still having problems, it's likely the thermostat. Am I overreacting to not want this same shop to fix it? [more inside]
For the past 5+ years I've owed small amounts of Federal income tax, $5-$11. Why not this year? [more inside]
I will be travelling to France, Italy, and Spain in a few weeks, and I'm trying to decide the best way to carry money with me. Many sites have recommended money belts, but this seems weird and awkward for actually paying for things! I would feel weird untucking my shirt and reaching into my pants in a fancy restaurant, for example. [more inside]
I am preparing to depart Nepal, and need to pay several hundred dollars for some different things. Umpqua bank has chosen this time to stop allowing me access to my account. [more inside]
My bank asked me to fax them my ID along with three signatures on a piece of paper. What's that about? [more inside]
My credit card was compromised - but I don't get it, the scammer got nothing. Explain to me how this works... [more inside]
My grandmother is in hospice and my father will be inheriting the majority of her savings after she passes. He would like to give me a large-ish amount of money from this, but how does that work? [more inside]
I'm looking for good sources of basic-ish information on the global financial crisis of 2008, i.e., what caused it and what the short- and long-term aftereffects were. I'm also looking for one specific video I saw around that time. [more inside]
I know absolutely nothing about money (I'm talking feral-child-raised-by-wolves-level "nothing") and want to get my finances in order. I'm not saving up toward any kind of goal except eventual retirement in 40-50 years. What should my next steps be? [more inside]
After 2 years of asking my husband finally got around to trying to move the funds from an old 401k & rolling them over into his current 401k. Unfortunately mistakes were made & instead of simply having the money transferred from one account to another he closed the old account & withdrew all the money. Now it appears we are going to take a tax + 20% penalty hit on the amount. Is there anyway to get the money into his current 401k without losing money? [more inside]
What are some good things to look for in a financial planner? Any recommendations that might seem like a fit in the Atlanta, GA, area (or elsewhere)? Please see below for details. [more inside]
Four people, one competition. One officially won. The others want half the prize. Details within. [more inside]
We're saving for a wedding and paying down debt and trying not to go crazy in the process. Any advice? [more inside]
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]
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 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]
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 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]
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]
What would you do? My friend Ted and I have a disagreement about a pool cue that has fractured our relationship. Ted says I broke an agreement to trade with him for a cue case. He said I screwed him because when he showed up on Monday with the case I told him another friend, Dan had bought the cue over the weekend. I'll return to this in a moment but there is an element to this dispute regarding Gene giving me the disputed cue back in 2012 three years ago. [more inside]
My partner and I have gotten into the habit of using tax preparers over the past decade, with the end result that I no longer feel like I really understand what's going on with my tax return. How can i get from where I am now to doing them myself with a high degree of understanding of my tax situation. [more inside]
Mr wwax & I have finally narrowed down our car choice to a Subaru Outback, but now the big questions arise. Do we buy new or certified preowned or just plain old secondhand? Then if we can finally stop going around in circles on that issue, what is the best way to borrow the money to buy the car? [more inside]
A relative wants to give a cash gift to my 12-year-old child, but wants to put it in some kind of account where it can grow for many years before the child receives it. Where? How? It's under $1000 and we're in the U.S. [more inside]
Time to move out, my friends. I realized I'm being threatened to be disowned again. However, unlike the other times I think the other person might be serious this time around. So tell me about all the resources needed and how fast can I leave? [more inside]
My friend is embarking on a potentially disastrous business idea. Should I try to dissuade him? How do I do that tactfully, without sabotaging our relationship? [more inside]
I am in the market for a new home for my emergency savings. My current bank is a joke and I need some consistency so my money doesn't become nomadic. [more inside]
What's the commonly acceptable etiquette on reimbursing someone when you back out of a trip? [more inside]
Buying our first home, I'm would like to go with a buyer agent and have our first meeting set with one Saturday. I'm turning to the hive mind for your tip, tricks, questions, and other things you wish you would have done or found helpful during meeting with your realtor. [more inside]
I was incredibly touched to learn that my goddaughter has decided that in lieu of a birthday party she's inviting all of her guests to a local book repository to sort, sticker, and bag books destined for low-income families. I love this and want to do something for her birthday to help encourage more of this kind of thing in the future. Help me choose from some options or suggest something else: [more inside]
My parents are about to inherit a reasonable amount of money. They want to give my brother and I a lump sum of around £20000 each. If they just transfer the money to us what happens about tax? Is there a way to minimise the amount of tax to be paid? You are not my solicitor or financial advisor etc etc. I'll take advice but would like an understanding before I do. Thanks!
I recently asked someone at work for our operating budget for the purpose of registering for software discounts. I was given a number and it didn't quite make sense to me. I think that there may be at least two definitions of 'operating budget'. The workplace in question is a 501c(3) non-profit if that changes the definition. What would be tallied to make up the operating budget?
Today my Mom and I sat through a Rainbow vacuum cleaner sales pitch for 2 hours and ultimately she decided to buy one for $3,000. Throughout the pitch, she kept asking me what i thought and i gave her my opinion several times that it wasn't worth it and we had other places we could spend the money that might have higher priority. She's a widow in her 60's and i think she just wanted permission from someone else to buy it. [more inside]
I have two gift cards with small amounts on them (just under $5 total) and to be honest I'd much rather give it to a charity than mess with trying to spend it at the store. It seems like a trivial amount but I figure it'd be better than nothing. The problem I'm having is finding a cause that will accept less than ten dollars by card. Any ideas?
A print company owner is asking me what my pay requirements are to join his staff as an illustrator. How much do people who do this kind of thing make? [more inside]
My company is undergoing the first steps into being sold. How do I stop panicking long enough to figure out my next steps? [more inside]
Yay! I finally sold my house and have the check from the title company in hand. I made money on the sale of the house, but I have a few questions about how to maintain my investment. For tax purposes, does this qualify as "income"? Will I be assessed a Capital Gains Tax? Is a money market the best place to keep the cash from the sale? Please help a money noob... [more inside]
I'm wasting a ton of money on my current cell phone/home internet plan. To tighten up, I could pay the cancellation fee to AT&T, and for almost a third the monthly cost, give up the home network and switch to something like ConsumerCellular or (from a comparison website) T-Mobile's Simple Starter plan (600 minutes, 500 messages, 2GB; data pass available for unexpected overage; I can keep my iPhone 4). Roaming is not a big issue. [more inside]
I am a freelancer. Please help me understand how to raise my rates. [more inside]
What are some quick, legal, and ethical ways to make extra money over the next few months? Relevant details inside. [more inside]
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]
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?
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?
Do I need to cash/euro to get by for 12 hours in Frankfurt? [more inside]
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.
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]