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

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1500 questions
26
votes
5 answers

Where should my money go next: savings, investments, retirement, or my mortgage?

I am a little unsure where to put my money at this point in my life. I have followed all the basic advice on what to do with your money and now I am at a point where I just don't know what to do next. It's kind of a boring point in my financial…
radix07
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7 answers

Debt management: 0% CC APR for 15 months vs 7% student loan debt

About me: I make about $3330 a month from my job after taxes. I'm currently $72,500 in debt from student loans, 7% APR. I have 0 other forms of debt (I live with my parents and bought a used car for cash). I spend about $300-$400 a month on myself…
el toro
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7 answers

Looking for a new job - how do I handle my landlord with apartment lease renewing?

Due to personal reasons, I am seeking employment in a different state. I haven't yet found a job - in fact I only just started my search - but I know that I will want to move, and I will want to be able to move as soon as I can once I have a job.…
Zibbobz
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26
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8 answers

Is there any point in adding more than 6 months' runway in savings instead of investing everything after that?

I have saved enough to be able to survive for 6 months. I don't have any debt. So far, I've been investing a small part of my income in a diversified portfolio and have seen ~11% returns, which I'm very happy with. If I make any further money which…
ignoring_gravity
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26
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8 answers

Is the apartment I want to rent a scam?

I am currently looking for an apartment in the near city. Yesterday I found an entry on an online-platform where people rent apartments to students, all in all a serious platform which I have used often without any problems. Now, that offer I have…
Féileacán
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26
votes
4 answers

Going to get married soon, should I do it on Dec 31 or Jan 1?

I know that there is a tax advantage to having a child on December 31st at 11:59 as opposed to January 1st at 12:01. Does the same hold true for marriage? If it matters I make ~$130,000/yr and have a rental property and a home, and my girlfriend is…
Sam
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26
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6 answers

Why would a home insurer offer a discount based on credit score?

Recently I received a letter from my home insurance company: Thank you for being a Gore Mutual customer. We're working hard to ensure that our products are competitive. And we want to provide you with the most accurate, personalized pricing…
200_success
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26
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3 answers

My bank got bought out, am I now going to have to start filing tax returns in a different state?

My bank just got bought by a bank in another state. Does this mean my interest earnings are going to get reported in that other state and potentially require me to file tax returns in the other state? How is this problem handled by big banks with…
Five Bagger
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26
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9 answers

3.5% Interest Student Loan or use all of my savings on Tuition?

I've got one year of University left and luckily I've managed to stash around ~$18k in savings that my expenses never cut into. My tuition for my last year will probably be around $13k. I hate the idea of being in debt - but aside from emptying my…
KuboMD
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26
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5 answers

Why do credit card issuers offer a grace period?

I am wondering why most credit card issuers offer a grace period after the statement date, provided they're not obliged to? Is it required by law (I'm 99.99% sure it's not but just in case)? Does having a grace period bring some benefit to the…
seeker
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25
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5 answers

Why invest in long term government bonds when the yield curve is inverting?

The New York Times has noted that the US is heading toward an inverted yield curve, which is one of the precursors for a recession. The yield curve is said to be inverted when long term government bonds pay less interest than short term ones. I'm…
JoJo
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25
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10 answers

How can I protect my 401(k) when the stock market is performing badly?

I just opened my 401(k) at the beginning of 2017. In 2017 it did great because of the bull market, but since 2018 I've lost about $1,000. All of my contributions this year have been a complete waste. I feel like a lot of that could have been avoided…
thxz
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25
votes
11 answers

What do I do if my income is just a little too high for "free file"?

I live in North Carolina and I'm using the H&R Block website to file my taxes and finally at the end of everything they informed me that there's a limit to how much I could make last year and still be eligible for free file. My income was…
Kyle Delaney
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25
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5 answers

Who gets the interest on a 401(k) loan?

I was looking at some information about my 401(k) and noticed that it's possible to take out a loan from your 401(k) - it was something like 6.5% interest, which probably isn't as good as a conventional loan/mortgage... But if the 6.5% interest is…
Wayne Werner
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25
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3 answers

What does "buyer is maker" mean?

What do "buyer is maker" and "buyer is not maker" mean? If a trade happens where the "buyer is maker", does that mean that the trade happened as buyer bought a share? I am asking this because at Binance, there is a tag isBuyerMaker describing a…
StatsNoob
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