• I have a financial planning question? Details?

    Best answer: Don't buy these insurance policies unless: 1) You know you need it; and 2) You know what you're buying meets your needs; and 3) You've shopped around to make sure you're getting a decent price. Just curious...if you actually need life insurance or short-term disability insurance, how come you... show more
    Best answer: Don't buy these insurance policies unless:
    1) You know you need it; and
    2) You know what you're buying meets your needs; and
    3) You've shopped around to make sure you're getting a decent price.

    Just curious...if you actually need life insurance or short-term disability insurance, how come you don't already have it? Do you always buy things just because someone called you up and told you to?

    "What do you think?" A commissioned sales person is using their personal connection with you in order to make money.

    ETA: "I already have it through my work, but he says he can fill the gap because no one can live on half a pay check." Short-term disability is SHORT TERM. Most financially responsible adults can live on half a pay check for awhile. Many can live on zero paycheck for awhile especially if they have an emergency savings. Your "friend" is making broad statements that aren't true. Whether they are true for you or not, you didn't say.
    11 answers · Insurance · 1 day ago
  • Neighbors smoking is effecting my asthma. Won't listen to landlord when landlord tells him to stop smoking in the house. What are my options?

    I live in a duplex. My neighbor smokes and the fumes make their way to my side. I am allergic to tobacco smoke and this really sets of my allergies and causes an asthma attack every time it happens. My land Lord has repeated My asked him to stop and has threatend eviction but her won't stop. Land Lord told me... show more
    I live in a duplex. My neighbor smokes and the fumes make their way to my side. I am allergic to tobacco smoke and this really sets of my allergies and causes an asthma attack every time it happens. My land Lord has repeated My asked him to stop and has threatend eviction but her won't stop. Land Lord told me that he can't afford to evict because he cant affird to be without the rent. What can I do? I can afford to move out but I can't afford to pay off entire lease (11 months left)
    24 answers · Renting & Real Estate · 1 day ago
  • Is it illegal to make fake pay stubs?

    First off, I have a real full time job but I don't necessarily make the required income to rent an apartment (the requirements) rent is the same as my current apartment however I just need a new start and this building is creepy but that's besides the point. Never missed a rent payment or anything. So being... show more
    First off, I have a real full time job but I don't necessarily make the required income to rent an apartment (the requirements) rent is the same as my current apartment however I just need a new start and this building is creepy but that's besides the point. Never missed a rent payment or anything. So being that I miss the income requirement by about $480 for the new apartment would it be illegal to generate fake pay stubs to get approved for the home?
    31 answers · Renting & Real Estate · 1 day ago
  • Girlfriend think I can't afford to buy a house?

    My girlfriend, who I want to marry says I can't afford a house she really like, but as long as we are both working I am pretty sure we can. The house is 247,900. According to the online thing our payments would be 1367. I make good money. Almost 17 an hour. She works park time 25 hours a week at 9 an hour. I... show more
    My girlfriend, who I want to marry says I can't afford a house she really like, but as long as we are both working I am pretty sure we can. The house is 247,900. According to the online thing our payments would be 1367. I make good money. Almost 17 an hour. She works park time 25 hours a week at 9 an hour. I told her Espicslly if she get a better job we can easily afford it. She seems to think other use due to bills, living expensives. And the fact I have a payment. She said she just had to put 700 into her car to pass the emissions test and her car still needs other work and that's not counting if my car needs work in the future. It is a really nice house and with two incomes we should be able to afford it, but she by#ch!ing how I don't have a down payments..and that I need to factor in a lot of other code, and complaint how I pay 400 in rent and I don't have money actually saved and such... She thinks it we do pull it off we would be extremely house pour, and she didn't think 650 credit score is enough for me to get approved but I told her thsts pretty average score.
    24 answers · Renting & Real Estate · 1 day ago
  • Can my apartment make me pay their attorney fees for paying rent late?

    I am paying my rent on the 25th and they are asking for an additional $720 in addition to my rent because they are beginning the eviction process and that is the only way to overturn this according to them. My question is how can they get away with taking that much money from me to draw up a few papers? This seems... show more
    I am paying my rent on the 25th and they are asking for an additional $720 in addition to my rent because they are beginning the eviction process and that is the only way to overturn this according to them. My question is how can they get away with taking that much money from me to draw up a few papers? This seems illegal. It does state in my lease that they can charge me attorney fees and that they consider it to be an extension to my rent.
    21 answers · Renting & Real Estate · 19 hours ago
  • Can Money Buy Happiness?

    218 answers · Personal Finance · 6 days ago
  • Need advice on buying a house.?

    So my boyfriend and I are wanting to get a house. But we don t know how to go about getting one. He makes $18 an hour and I make $12 an hour at one job and $9 at another. What would we be able to afford. Also what do I need to know about when it comes to buying a house. We don t have bad credit we are just trying... show more
    So my boyfriend and I are wanting to get a house. But we don t know how to go about getting one. He makes $18 an hour and I make $12 an hour at one job and $9 at another. What would we be able to afford. Also what do I need to know about when it comes to buying a house. We don t have bad credit we are just trying to build our credit. I want a really nice house with a beautiful kitchen but I want to make sure I can afford it
    18 answers · Renting & Real Estate · 20 hours ago
  • What jobs can you get without any qualifications?

    Best answer: MP
    Best answer: MP
    30 answers · Other - Careers & Employment · 2 days ago
  • Can i use this much money on my credit card?

    I am 21 years old and i just got my first credit card. Ive had my debit card for about 4 years, but i decided to begin to build credit. Anyway... I got the card in the mail this morning & activated it so its ready for use. My card limit is $1000 since i have pretty much no credit. I just moved into a new... show more
    I am 21 years old and i just got my first credit card. Ive had my debit card for about 4 years, but i decided to begin to build credit. Anyway... I got the card in the mail this morning & activated it so its ready for use. My card limit is $1000 since i have pretty much no credit. I just moved into a new apartment-dorm and I need to buy something for my room that will cost $500 this week. The credit card payment is not due until the 28th of September, but when I get paid the first week of September I will pay it off right away. (not the type of person to put things off) My question is.... is it ok for me to spend half my credit limit within days of getting my card? Also, when they say i have $1000 limit does that "basically" mean I can spend $999 as long as I pay it by the 28th of next month? Will spending more or less of my limit impact my credit negatively, even if I'm always paying on time?
    25 answers · Credit · 2 days ago
  • I think a neighbor tried to break into my apartment, can I get out of my lease?

    Hey all! I live in an apartment outside of Seattle and at around 1am this morning I believe somebody tried to break in. The thought of this is rather strange because I live in a relatively nice complex and the crime rates are really low in the area I live in. At the time of 1am, I woke up to two giant slams on my... show more
    Hey all! I live in an apartment outside of Seattle and at around 1am this morning I believe somebody tried to break in. The thought of this is rather strange because I live in a relatively nice complex and the crime rates are really low in the area I live in. At the time of 1am, I woke up to two giant slams on my front door. Definitely not a knock, and definitely not something done by mistake. When my wife and I talked about it, we definitely think the person tried to attempt it. To add to this story, my wife and I believe that there is some sort of drug activity happening with the neighbors across from us. I won't get into those details now, but there are other strange things going on that have us suspicious. Bottom line, my wife and I do not feel safe in this apartment anymore. Because of this recent event, would it be possible to get out of our lease without paying extra money? I tried looking up on leasing agreement but can't find it through my email. Thanks
    29 answers · Renting & Real Estate · 2 days ago
  • Approved for a car loan by my credit union but got a better rate from the dealership and went with them. What do I tell the credit union?

    Do I contact the credit union and let them know I went with someone else's offer? Or do I need to say anything--will the approval just expire in a certain amount of days anyway?
    Do I contact the credit union and let them know I went with someone else's offer? Or do I need to say anything--will the approval just expire in a certain amount of days anyway?
    11 answers · Credit · 2 days ago
  • Should I attend court for my ex not paying rent?

    My ex and I moved into an apartment in May 2015. Everything was good until we started becoming distant and it started feeling like we were just roommates instead of a couple. December 30 of that year, he came to me and said he wanted me out the apartment. It was an apartment we both paid rent on. Being the stubborn... show more
    My ex and I moved into an apartment in May 2015. Everything was good until we started becoming distant and it started feeling like we were just roommates instead of a couple. December 30 of that year, he came to me and said he wanted me out the apartment. It was an apartment we both paid rent on. Being the stubborn person I am, I started packing my things. Later that night, he physically tried to remove me from the apartment and police had to be called. Police told him they can't make me leave because I was on the lease. He basically started yelling at the cops saying he wanted me out asap. I moved out the apartment after the holiday. I tried to remove my name from the lease and they said I couldn't, so I tried to buyout the lease and they told me they needed his permission. Now fast forward to September 2016, a man served me with court papers saying I owe almost $1800 in rent. The only name that appeared on the papers was mine and not my ex. I have been trying to get in touch with him about it but he has blocked me from everything. What I don't understand is, why are they coming after me if we were both on the lease? They took my state taxes last year and now, they are coming for me again. Why me?
    20 answers · Renting & Real Estate · 2 days ago
  • My partner and I are looking to buy a house together, but he earns more than me and wants the mortgage and property in his name and i cosign?

    But the reason is I do not want to cosign because the money I will be putting in also includes my mom's money. I want a joint share too so I feel equal and since eventually I will be earning more than I am now too. What should I do/say?
    But the reason is I do not want to cosign because the money I will be putting in also includes my mom's money. I want a joint share too so I feel equal and since eventually I will be earning more than I am now too. What should I do/say?
    24 answers · Renting & Real Estate · 2 days ago
  • Could I buy a $300,000 house?

    I am a student studying surgical technology and will be graduating next year. The average salary for a surgical tech in my area is around 40k a year. I'm currently about to turn 20 years old and will be done with the program and hopefully have a job before I turn 22. If I saved up at least $10,000 a year for... show more
    I am a student studying surgical technology and will be graduating next year. The average salary for a surgical tech in my area is around 40k a year. I'm currently about to turn 20 years old and will be done with the program and hopefully have a job before I turn 22. If I saved up at least $10,000 a year for the next ten years which gives me a $100,000, could I receive a $200,000 mortgage as long as I have really good credit history and have owned a previous home? I do not have a girlfriend or any kids, right now it's just myself I have to support!
    14 answers · Renting & Real Estate · 22 hours ago