Personal Finance & Money Stack Exchange
Personal Finance & Money Stack Exchange

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1500 questions
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
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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
votes
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
votes
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
votes
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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28
votes
7 answers

Why do American dual-high-income couples get legally married?

If each member of a couple makes a high income, they pay much more U.S. income tax if married. So it makes sense for them to avoid legal marriage. They can still do a religious ceremony or a commitment ceremony without notifying City Hall. They…
Joshua Fox
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28
votes
4 answers

Is it possible to get reverse life insurance?

So if you die the provider gets x amount from your estate but the provider pays you while you live? For arguments sake say I had a 1% chance to die in a given year I get £100 that year from a reverse insurance provider but if die in that year the…
red squirrel
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28
votes
8 answers

50% portfolio in single stock, JPM - appropriate for 80 year old?

I've recently taken a look at my 80-year old mother's finances, run by a money manager at Morgan-Stanley. Half of her $3.5M portfolio is in a single stock, namely JPM = J.P. Morgan. This seems to me irregular both in terms of risk, lack of…
Concerned
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28
votes
7 answers

How much money would I need to feel secure in my job?

I have my first good paying "career" position (I'm 27), but I've heard stories about around 10 years ago when they laid of 60% of the company. I'm worried that this could happen again because I believe another recession may happen sometime in the…
Jared
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28
votes
3 answers

50k job is offering 90k worth of shares. Scam?

This was a job posting on Linkedin, in the software industry. The rules are that you can sell up to 30k per year. But the job offers 50k (GBP) and it seems that offering shares greatly in excess of the salary is very disproportionate. I feel like…
speciesUnknown
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28
votes
5 answers

Buying an US ETF from Europe using Interactive Brokers

I am trying to buy an ETF using my account in Interactive Brokers. I am surprised to see that it is not possible. I am living in Europe and trying to buy an ETF in US dollars. Their response to me: UK Retail clients are restricted from trading…
bp2010
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28
votes
3 answers

Accountant/ lawyer will not return my call

I have an accountant who is also a lawyer who did my taxes for about 7 years. I received a notice from the IRS for the years that he filed the taxes saying that I owed $5,000. I sent him the notice and could not get him to respond. I called him…
M. Gio
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