• Should I give a lump sum payment toward my student debt?

    I owed a total of $83,000 and change for my bachelors and master's degree. Over the last year and a half of large payments, my balance is now $37,000 and change. I have about 12,500 in my savings and am debating, should I give 8-10K of my savings to drop the balance lower? I will need a car and am worried that... show more
    I owed a total of $83,000 and change for my bachelors and master's degree. Over the last year and a half of large payments, my balance is now $37,000 and change. I have about 12,500 in my savings and am debating, should I give 8-10K of my savings to drop the balance lower? I will need a car and am worried that only having $2-3,000 will not be enough emergency money. With the extra money and following my financial plan I should be paid in full by February 2020. Is this a responsible choice?
    18 answers · Personal Finance · 3 days ago
  • I am 23 years old and struggling financially to get my head above water. What should I do?

    I’ve been on my own since I was 18. Balancing school, work, and bills. I thought I had it all figured out. I had a good job and was making good money. I was making so much money and my credit was great. I was able to finance my first car on my own with no assistance. But I kept getting new cars (this is my 4th... show more
    I’ve been on my own since I was 18. Balancing school, work, and bills. I thought I had it all figured out. I had a good job and was making good money. I was making so much money and my credit was great. I was able to finance my first car on my own with no assistance. But I kept getting new cars (this is my 4th car) so my car note went from $200 to $384 to $550 to currently $800! (Very stupid and impulsive) I was doing ok until about a year ago when I got a new job. The salary seemed like it was going to be more than what I was making previously until I found out they take almost $400 a month out for state retirement (no exceptions). So I got a second job as a waitress which helps me and when I’m not doing that, I do freelance graphic design. Its gotten so bad that I’ve stopped paying loans and credit cards. I even tried debt consolidation which was $400 a month that I could no longer afford. At this point my credit is ruined! Plus I just graduated college last semester so I have to start paying my student loans. I don’t get any financial assistance from my family whatsoever(they are barely making it themselves) so I can’t move back home. I am literally my only support. I’ve even considered bankruptcy. I spoke with a lawyer and he wanted $1200 (which I clearly don’t have) and I’m only 23, bankruptcy would make it even harder for me to move and get approved for an apartment What should I do at this point? I just feel stuck and stressed out!
    24 answers · Personal Finance · 2 days ago
  • I found out my boss has been sabotaging my job applications. What should I do?

    I am a recent college graduate, and I work for a solo attorney. It is only him, a secretary (his wife), and myself. I worked for him for two years now, and he pays me $12 an hour (30 hours per week), which is pretty good, but not enough for me to be financially independent. I recently interviewed for a recent... show more
    I am a recent college graduate, and I work for a solo attorney. It is only him, a secretary (his wife), and myself. I worked for him for two years now, and he pays me $12 an hour (30 hours per week), which is pretty good, but not enough for me to be financially independent. I recently interviewed for a recent alum's company, and his company had him do reference checks. The alum informed me my current boss gave a less than favorable reference. I have interviewed with other companies too, and used him as a reference, but now I suspect he gave them bad references as well. now, the work i do is valued much more than $12 an hour (filing zoning permits, variances, etc..) and I think i do a very good job. I have great working relationships with the clients, civic groups, government staff, etc... I even use one of my long term clients as a job reference. in addition, I have travel often on public transport to the client sites, and sometimes walk up to 5+ miles per day. I now believe the boss is trying to keep me around as long as possible because i am difficult to replace and he doesn't want to pay market rate for a paralegal or associate attorney. my major is mathematics with a minor in computer science with a 3.15 gpa. So i think my market value is $20+ an hour. i've also interned with a mortgage insurance company last year but i couldn't get a full time offer from them. There is an Ivy league and a large state school where I am so the job market is super competitive
    18 answers · Other - Careers & Employment · 2 days ago
  • Trying to quit new job?

    i am trying to quit my new job, i am still on 3 months probation. It is proper to still give them a letter of a 2 weeks notice or since i am still under probation do i quit on the spot?
    i am trying to quit my new job, i am still on 3 months probation. It is proper to still give them a letter of a 2 weeks notice or since i am still under probation do i quit on the spot?
    5 answers · Other - Careers & Employment · 8 hours ago
  • I want credit card?

    16 answers · Credit · 2 days ago
  • What should I do?

    Best answer: It’s probably discrimination. All you can do is keep trying. The disability job center in your state may be able to help.
    Best answer: It’s probably discrimination. All you can do is keep trying. The disability job center in your state may be able to help.
    12 answers · Other - Careers & Employment · 1 day ago
  • How do I evict a tenant from my home?

    I let a friend come stay with me about 5 months ago. I asked him pay 300.00 a month, so I understand that he is now technically a tenant, and that I must go through the proper channels to evict him. I have asked him to leave personally and he refuses, so that option has already been tried. Can anyone give me a... show more
    I let a friend come stay with me about 5 months ago. I asked him pay 300.00 a month, so I understand that he is now technically a tenant, and that I must go through the proper channels to evict him. I have asked him to leave personally and he refuses, so that option has already been tried. Can anyone give me a rundown of this process...where to go, what to do, how to go about it?
    17 answers · Renting & Real Estate · 23 hours ago
  • I heard from other tenants that a lady in my building is doing psychic readings. I saw an ad she placed offering readings for $50.?

    Best answer: yep...if she has customers coming, that is typically a business and she needs to be in a business zone...and if the lease prohibits a business, they are in violation, some businesses can be run out of the home...essentially computer based or some baking where the customers don't come to the apartment. if you... show more
    Best answer: yep...if she has customers coming, that is typically a business and she needs to be in a business zone...and if the lease prohibits a business, they are in violation,

    some businesses can be run out of the home...essentially computer based or some baking where the customers don't come to the apartment.

    if you are the landlord, you can send a cure or quit letter if it violates the lease....if you are a tenant, you can only notify the landlord.
    8 answers · Renting & Real Estate · 1 day ago
  • How do I get a new car from insurance?

    Best answer: Insurance companies are in the business of "insuring" cars. They do not buy and sell cars. That is what car dealerships do. Drive your car to your dealership of choice. When you choose a new car, you can turn in the old one to them. They will apply the value to your new car, or you can sell it... show more
    Best answer: Insurance companies are in the business of "insuring" cars. They do not buy and sell cars. That is what car dealerships do. Drive your car to your dealership of choice. When you choose a new car, you can turn in the old one to them. They will apply the value to your new car, or you can sell it privately. I recommend the former since repairs seems to be an ongoing issue. You could find yourself in legal trouble with the buyer. To protect yourself, hand over all of the repair bills so they can see what has been done. You have to sell it honestly.
    26 answers · Personal Finance · 2 days ago
  • I have two PayPal accounts. Want to use paypay credit as a loan.?

    Is it illegal for me to send money from PayPal credit from my one account to my other account? (So I can then transfer to my bank) it allows you to do it but not sure if they would investigate and get me for suspicious activity or something
    Is it illegal for me to send money from PayPal credit from my one account to my other account? (So I can then transfer to my bank) it allows you to do it but not sure if they would investigate and get me for suspicious activity or something
    4 answers · Credit · 15 hours ago
  • Family buying house, I’m paying them back with interest. Lodgers to help pay back. Do I have to pay tax on their rent?

    My family are buying me a house in my name which I will occupy with my partner. We are paying them back over 15 years with interest and taking in lodgers to help pay this back. The lodgers will pay rent each month but this will go straight to the family who has fronted the money, I will not see any of it. My... show more
    My family are buying me a house in my name which I will occupy with my partner. We are paying them back over 15 years with interest and taking in lodgers to help pay this back. The lodgers will pay rent each month but this will go straight to the family who has fronted the money, I will not see any of it. My question is, will this count as income through rent even though I won’t actually make any income from it? If so on my 19k a year salary the income tax will absolutely cripple me financially as will be losing half my actually income on tax.
    14 answers · Renting & Real Estate · 16 hours ago
  • I'm 15 and Im sick of everyone thinking money is the key to happiness. Seems like we waste our life away earning money and not enjoying it.?

    Best answer: Money is the key to DRUGZ!

    If you have lots of drugs you can have lots of sex and fun.
    Best answer: Money is the key to DRUGZ!

    If you have lots of drugs you can have lots of sex and fun.
    19 answers · Personal Finance · 2 days ago
  • Landlord is cheap, am I wrong to be upset?

    Paying $3000.00 a month rent in an older home, no central air and not pretty/nice or modern in anyway, but its close to both our work s and has enough space for our pets and baby coming in august. When we moved in the landlord said he was going to replace the 25+ year old ac in the living room (its old, doesn t... show more
    Paying $3000.00 a month rent in an older home, no central air and not pretty/nice or modern in anyway, but its close to both our work s and has enough space for our pets and baby coming in august. When we moved in the landlord said he was going to replace the 25+ year old ac in the living room (its old, doesn t work properly, missing knobs and is very loud), no he says he doesn t remember saying he would replace it. Next, the refrigerator stopped working properly, instead of trying to have it repaired he got us a new one. The one being replaced was a large GE with ice maker, water filter, sliding shelves and ample door space. The new one is much smaller, no water/ice system and leave large gaps of space on the sides where the former unit fit in to the kitchen cabinetry. I m not trying to come off as spoiled or entitled but when you are paying $3000.00 a month rent for a house that has a large nice appliance and then that appliance gets replaced with a step down, it leaves a bad taste in your mouth. When I spoke to him about it he said "why do you need an ice maker" I said it was part of the house that we rented and now this is different and while we didn t rent the house for the ice maker, the large refrigerator was part of the equation, especially because we are having a baby.
    14 answers · Renting & Real Estate · 20 hours ago
  • What is obamacare?

    Best answer: A better healthcare system than what we have right now.
    Best answer: A better healthcare system than what we have right now.
    11 answers · United States · 11 hours ago