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

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1500 questions
28
votes
1 answer

If I overpay estimated taxes in Q1, am I allowed to underpay in the other quarters?

I'm an independent contractor and I sent in my first quarterly estimated federal tax payment for 2023, but I realized that I went way over. Is it possible to pay less in the coming three quarters (while still maintaining the same annual amount) and…
fishingforgoats
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28
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5 answers

Can a 13-year-old in the UK accept freelance work?

I am 13 years old and I live in the UK. I love coding and creating websites, so I thought I would turn it into a kind of business. I am thinking of starting as a sole trader and doing bits of work for friends, family and so forth, until I get…
BestCoderBoy
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28
votes
4 answers

Is it insider trading to purchase shares in a competitor?

I work for a publicly traded company, and part of my compensation includes stock. We've gotten a bunch of (recurring) training of what not to do with this stock to avoid insider trading -- for example, if we have advanced knowledge of something bad…
Roddy of the Frozen Peas
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28
votes
5 answers

Where should I park my rainy-day / emergency fund?

This is the US companion of the same question for Canadians Where can I park my rainy-day/ emergency fund?. Basically I want to know what options I have for my emergency fund?
Leigh Riffel
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28
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5 answers

A stranger messaged someone I know via an online listing and gave them their credit card details and encouraged them to use it. Is there a scam here?

A family member of mine (female, not sure if that's relevant) was contacted via a listing on Facebook for an item of clothing by a someone (male) who then sent through their credit card details. The messenger encouraged my family member to use the…
Cold Fish
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28
votes
2 answers

What happens if you violate an IRS limit by less than 50 cents?

Not entirely sure how, but between pass-through contributions, payroll deductions, and a manual contribution at the beginning of last year that was supposed to cover the gap caused by the inability to elect contributions that weren't an even dollar…
ShadowRanger
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28
votes
5 answers

Can I create an LLC to put my assets into it in case I am personally sued

This is kind of the reverse of what typically people do. Typically an LLC is created to protect the owner's assets if the LLC is sued. I'm looking at it in the reverse order. If I put my money into an LLC and I am personally sued, is that LLC…
Dale
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28
votes
2 answers

Taking college classes to avoid student loan payments indefinitely

My sister-in-law has decided she wants to take part time college classes so she doesn't have to make payments on her private student loan and her plan is to do this until she dies. She graduated from college about 9 years ago so you can imagine…
Erica Grant
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28
votes
5 answers

Can a used car dealership switch the price I saw online vs going in and getting a different price?

I’m looking to purchase a used vehicle today and when I finally found one I called the used car dealership to see if it was available. I showed up to the test drive, without even asking for the price (I saw it online for $14,995) and decide to run…
Christopher Gonzalez
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28
votes
5 answers

How much money do I need to retire?

Assume that I need $15,000 (USD) per year to cover all my costs including health insurance. How much money do I need to retire? The naive approach would be something like this: An ETF gives, on average, maybe something like 6%, so I would need…
simplemind
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28
votes
4 answers

How do I invest and buy/sell stocks? What does "use a broker" mean?

This is an embarrassingly basic question. I'm a college student and know very, very little about the world of investing and purchasing stocks. I realize that some Googling could find me the answer to this question, but I feel like this is an…
Casey Patton
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28
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2 answers

How should I handle money returned for a product that I did not return?

I purchased a laptop online through the official website, my card was charged immediately after I made payment. The item arrived around two weeks after that. I checked my banking app and discovered that the money was returned two days before the…
kroent
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28
votes
8 answers

What are the options to beat the returns of an index fund, taking more risk?

I am young, and will start my career in about three years. I do NOT live nor have any intention of ever moving to the United States, and I will probably be based in Europe for my career and after (retirement). I want to work towards a financially…
embedded_dev
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28
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4 answers

Would simplistic date / amount / description bookkeeping "cut it" legally?

I've read many articles and texts over the years about running companies and personal finances. Every time, I sink down in my chair, mentally exhausted from the utterly confusing, cryptic material I've attempted to digest. And so I yet again forget…
Lg Dolbier
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28
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3 answers

I need a title out of my name from a vehicle that my ex drive, refuses to cooperate, what can I do to resolve this?

The vehicle my ex fiance drives has the title under my name only. I have been understanding and cooperative for 10 months now. It's gotten to the point he refuses to cooperate and the last two months I have had to reach out to his mother to pay his…
Brianna
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