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1500 questions
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
votes
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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28
votes
5 answers
What should I do when an employer issues a check and requests my personal banking access details?
If an employer provides a check to be mobile deposited and subsequently the check is insufficiently funded, and creating an overdraft of my account. The employer "claims" in order to resolve the overdraft, I need to provide my personal account…
user122592
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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
- 283
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28
votes
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…
Unchain2644
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28
votes
2 answers
Saving for retirement... starting at 68 years old
It may sound like a joke, but it is not. I imagine I am not the only one in this situation. I guess.
Here is what I have going on. I am a "one man show" self employed carpenter. It took many years to find out how much I need to make to actually save…
Jack
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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
votes
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
3 answers
Why do some countries have more than one stock exchange?
Some countries have many stock exchanges. What is the purpose of having multiple stock exchanges instead of consolidating all trading onto a single stock exchange? When there is only one stock exchange, all buyers and sellers meet at a single…
Flux
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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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