Personal Finance and Money Stack Exchange
Personal Finance and Money Stack Exchange

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1500 questions
28
votes
7 answers

I have savings and excess income. Is it time for me to find a financial advisor?

My current status looks like this: I am a single professional engineer in bay area in my thirties. I invest on our company stock every month, as ESPP, and after that I have ~4.5k net income every month. My rent is ~1.6k per month. I spend 400 to…
xis
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28
votes
5 answers

Owning house for 3 years. 15 or 30 year mortgage?

I'm about to move to a new area and will be living there for 3-4 years and then moving to another area (I'm in the military and move every 3-4 years) and I'm thinking that buying a house there is my best bet. I'll probably be selling it when I…
user42027
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28
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3 answers

My tenant wants to pay rent through their company: Should this raise a red flag?

I have a tenant in a residential rental property who wants to pay rent through their company. They are asking for my SSN because they say their CPA needs it. Should this raise any red flags?
Nathan
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28
votes
10 answers

Which practice to keep finances after getting married: joint, or separate?

My wife and I have been keeping our finances separate for a long time. Some of my friends just put everything in a big pot. We each have our own pot, but then we have a common pot where we put all the common expenses money, and we pay all expenses…
Geo
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28
votes
3 answers

Robocall claiming to be IRS saying they are about to sue - Is it legit?

We got a recorded call with a message claiming to be from the IRS. It said they were giving final notice and preparing to file a lawsuit against us. In our case, the message went to voicemail so the end was cut off, but it seemed like a scam all…
user32479
28
votes
3 answers

Received federal student loan collection letter, but never had one. What to do?

Yesterday I received an unexpected letter in the mail, a federal student loan collection letter from ConServe collections. I've never had a federal student loan, so it was quite surprising to receive such a gift! The letter is a little strange. It…
Matthew Drury
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28
votes
6 answers

Loan to son - how to get it back

A few years ago, we loaned our son money to start a business, which did not flourish. Yep, we know now it was a bad idea. But now, we owe $54k on our equity line, which he is only paying interest on. Question: should we pay it down with savings…
Mike A
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28
votes
5 answers

If I plan to buy a car in cash, should I let the dealer know?

Is it desirable for them if I paid in full? Should I let them know or should I keep it to myself? Will I get lower prices if I was willing to pay in full?
Zaenille
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28
votes
14 answers

Do I even need credit cards?

I'm 24, and so far I've been able to live without credit cards of any kind. My wife calls this "If we can't pay for it right now, we don't need it." Obviously this does not apply to our car and our house, but for every other major purchase we…
Matthew Jones
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28
votes
6 answers

Why will the bank only loan us 80% of the value of our fully paid for home?

We own Land and a home, wanting to downsize and just buy a home and lot. We do not owe anything on our land and home, but have asked about a loan using our land and home as collateral, but, even though our land and home are paid, the bank says they…
Kathy Rust
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28
votes
5 answers

Dad paying for my new home in cash. How can I buy the house from him?

We found a home we would like to purchase (U.S.). It was the 2nd day on the market and there were already two other offers for it, so we decided to make a cash offer ($230K) as my dad agreed to pay for it while we figure out the financing. Our…
Briguy37
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28
votes
8 answers

Should I pay off my credit card online immediately or wait for the bill?

I'm a college student and I just got my first credit card (through Chase). The only reason I got the card is to try and build my credit score. I also have a checking account with Chase, and they let me pay off my credit card any time I want. For…
Ryan
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28
votes
6 answers

Found an old un-cashed paycheck. How long is it good for? What to do if it's expired?

I just found a paycheck from my old work that is dated August 5th, 2013. It's for over $300 and I'm wondering if it will still go through. I'm worried that it will bounce or there will be some issue with depositing it. I'm also annoyed that the…
Collinux
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28
votes
2 answers

How does the Patient Affordable Care Act (aka "ObamaCare") affect my taxes?

As someone who already has insurance through my employer and will not be subject to the fines for being uninsured, what other impacts on my taxes are built into the new healthcare law that I should be planning for in 2013 and beyond? Are there any…
JohnFx
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28
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10 answers

Do you lose money if you don't use a plane ticket you won in a raffle?

My wife won 2 tickets from a major airline at the company she works for, after they did a employee only raffle that was free to enter. The problem: there is a caveat: the ticket must be booked for a trip no later than December 15 this year (for…
webyacusa
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