• Life insurance?

    hypothetically... if i have life insurance and i kill myself, will my mother get whatever money? to do whatever she needs to
    hypothetically... if i have life insurance and i kill myself, will my mother get whatever money? to do whatever she needs to
    16 answers · Insurance · 3 days ago
  • Why do people buy life insurances when they don't have children?

    What happens to the money they paid for after they die? Is it automatic for funeral expenses? Even though they don't have children?
    What happens to the money they paid for after they die? Is it automatic for funeral expenses? Even though they don't have children?
    14 answers · Insurance · 2 days ago
  • How to improve my credit score?

    Best answer: Start by doing nothing. Watch your score for about six months. Right now, you are so busy with college and you have student loans, so there is no reason to rush into any new attempts at getting credit. When your score reaches 525 or above, then get a secured credit card. Use it once or twice each month for... show more
    Best answer: Start by doing nothing. Watch your score for about six months. Right now, you are so busy with college and you have student loans, so there is no reason to rush into any new attempts at getting credit.

    When your score reaches 525 or above, then get a secured credit card. Use it once or twice each month for something that you need. Then pay the balance in full when the bill arrives each month.

    When your score is above 600, you should be able to get an unsecured card that offers rewards. A rewards card is the best kind to have. Even though the rewards are usually small, it is still better to use a card that will pay you for using it. If you keep the balance paid in full each month, then any rewards that you gain is truly a gain for using the card and you are continuing to improve your credit.
    14 answers · Credit · 21 hours ago
  • Why do people think people have to move out of their parent's house?

    I'm 24 and I live with my parents. I save up lots of money. I don't see what the big deal is.
    I'm 24 and I live with my parents. I save up lots of money. I don't see what the big deal is.
    19 answers · Renting & Real Estate · 8 hours ago
  • Isn't it risky to go on maternity leave and have a temporary replacement fill in your spot?

    What happens if the employer likes the replacement's work better and permanently hires him/her and gets rid of you? Now you would be out of a job.
    What happens if the employer likes the replacement's work better and permanently hires him/her and gets rid of you? Now you would be out of a job.
    12 answers · Other - Careers & Employment · 18 hours ago
  • Poll & Survey: Did you do your taxes online?

    I did mine online. I'm not smart enough to do taxes myself. Plus I don't wont the IRS after me. Since I'm......"make'n dat dough".
    I did mine online. I'm not smart enough to do taxes myself. Plus I don't wont the IRS after me. Since I'm......"make'n dat dough".
    17 answers · Other - Taxes · 1 day ago
  • Renting a room vs renting an apartment?

    I'm wondering to hear other people's perspectives on this. I have a four-month work contract at a big tech company and need to get short-term housing in an expensive area. I can rent a room from a lady for $800 per month (including all utilities). The lady has a husband and a toddler but they would live... show more
    I'm wondering to hear other people's perspectives on this. I have a four-month work contract at a big tech company and need to get short-term housing in an expensive area. I can rent a room from a lady for $800 per month (including all utilities). The lady has a husband and a toddler but they would live on the other side of the house. My second option is to get a studio for $1300 per month (including utilities). I would need to buy a mattress, renter's insurance, etc.. but it would be in a nice apartment and I wouldn't need to worry about guests when my husband or friends come to visit me. For a four month period of time, an extra $500+ per month is a lot of money, but it might be worth the peace and freedom. I'll be making pretty good income so it's more a question of how much the saving capacity is worth it. Thoughts?
    17 answers · Renting & Real Estate · 10 hours ago
  • I'm middle class. Trump's tax cuts saves me a lot of money. Why did Democrats votes against these tax cuts?

    Best answer: Democrats think its their money
    Best answer: Democrats think its their money
    30 answers · United States · 3 days ago
  • Once I pay off a car loan, can I reuse it to get another car?

    I want to know if it can be reused like a credit card or would I have to apply for a new one?
    I want to know if it can be reused like a credit card or would I have to apply for a new one?
    15 answers · Credit · 21 hours ago
  • WHat is the best way to grow my money?

    I am 18 yo, entering the Air Force this summer (slated for August but could be pushed forward or back). Right now I'm a server at restaurant and I don't even have a checking account. Most of my pay is in cash tips, which I just keep and spend. But I also have a pay card that is loaded with my hourly wage... show more
    I am 18 yo, entering the Air Force this summer (slated for August but could be pushed forward or back). Right now I'm a server at restaurant and I don't even have a checking account. Most of my pay is in cash tips, which I just keep and spend. But I also have a pay card that is loaded with my hourly wage and any credit card tips. I also have a Walmart card, that I pay off each month in store. I want to save at least half of my income when I get in the AIr Force. I know nothing about finance. My dad just tlls me to work hard and save my money. Should I just be looking at a simple savings account, CDs? Bonds? I'm a little leery on investing since it's a dice roll. I know there are investment strategies but I have no idea what they are or how to apply them.
    18 answers · Personal Finance · 3 days ago
  • Bookkeeping Accounting Support Teacher?

    I am a bookkeeper. My company does have an accountant but he only does the taxes at years end. Sometimes I wish I had someone who I could ask an accounting question. QuickBooks used to have a network of local experts that you could ask for help for what seemed like a reasonable amount of money (I'm not talking... show more
    I am a bookkeeper. My company does have an accountant but he only does the taxes at years end. Sometimes I wish I had someone who I could ask an accounting question. QuickBooks used to have a network of local experts that you could ask for help for what seemed like a reasonable amount of money (I'm not talking about tech support) But that seems to be no more. I would like to have a relationship with a smart talented patient accountant who is skilled in QuickBooks that I could pay on a subscription basis to ask an occasional question. What do you think my best options are? Thanks
    9 answers · Other - Business & Finance · 1 day ago
  • Damage to another apartment - no insurance cover?

    Best answer: 2 very important things to remember about ALL insurance 1) Just cos somebody IS insured against something happening dont mean they HAVE to make a claim on their policy. They ALWAYS have the right to sue the person who caused the problem All the insurance does is make sure they are covered for any expense caused... show more
    Best answer: 2 very important things to remember about ALL insurance

    1) Just cos somebody IS insured against something happening dont mean they HAVE to make a claim on their policy. They ALWAYS have the right to sue the person who caused the problem
    All the insurance does is make sure they are covered for any expense caused by the problem
    2) Somewhere in all insurance policies there will be a paragraph that says something on the lines of "when the insured person makes a claim and their insurance pay them - they abrogate their right to sue the person who caused them to claim in the 1st place"

    the key word is "abrogate"
    This means they give up their right to sue so the insurance company can

    These 2 things mean - that IF somebody has a claim against YOU for damage YOU cause, but have insurance to cover that damage then they have 2 options
    1) to sue you for the damage - problem for them is - this costs them time and money and if you aint got money to pay for the damage they will be wasting their money

    2) to claim on their insurance
    In THIS case- their insurance will pay for all the damage YOU caused
    Problem for YOU is- their right to sue has now passed to their insurer so THEY can sue YOU

    THIS is the bit most people are ignorant about- Most people assume-
    You cause some damage to somebody's property
    they make a claim on their insurance for the damage
    their insurer pays out a sum to cover the damage less their excess
    You pay them that excess and its all over
    IT IS NOT OVER - YOU are still liable to pay the insurer what they paid out to the claimant AND their costs if they have to sue to get it

    Whether they WILL sue is up to them and may depend on a lot of things
    BUT their claimant can still sue YOU for any excess they have to pay if YOU dont pay it

    So YES you have been told correct - But It is not certain the insurance company will sue you - but even if it dont there is a VERY good chance both the girl and the landlord will
    (I would - it costs the girl + landlord very little to take you to small claims - if they have a large excess this COULD lead to you becoming bankrupt and f//k you up for years to come
    If they + insurance companies sue you are gonna be REALLY f//ked up)

    ALWAYS TAKE OUT RENTERS INSURANCE (And make sure it covers public liability)
    Not only would it have covered THEIR damage, it would also have covered damage to any of YOUR stuff, and YOU would have no worries except the insurance MIGHT cost you more when it comes up for renewal
    18 answers · Insurance · 1 day ago
  • Can a foreigner buy a house in California state?

    suppose there is a foreigner from Japan. And he wants to buy a house in the state of California. Does the property law permit that? if yes, are there any limits?
    suppose there is a foreigner from Japan. And he wants to buy a house in the state of California. Does the property law permit that? if yes, are there any limits?
    13 answers · Renting & Real Estate · 15 hours ago
  • IRS question?

    My previous job says that they can't send me my W-2 because it's a federal thing since I live 3 hours from them. They told me to send a envelope with a stamp so they can place the W-2 in it then they'll send it back to me. What would happen if I called IRS and told them about this problem? So that my... show more
    My previous job says that they can't send me my W-2 because it's a federal thing since I live 3 hours from them. They told me to send a envelope with a stamp so they can place the W-2 in it then they'll send it back to me. What would happen if I called IRS and told them about this problem? So that my previous job can send me my W-2.
    11 answers · United States · 3 hours ago
  • What was the reason why you left your last job?

    Best answer: Journeyman painter getting $11 per hour in 2011. Left with the best man they had. Today he still works with me, he makes $15 perhour. I make $18 per hour. I put a lot of money back into the business. I also have an IRA account for my retiremeng and Bronze level Obamacare for both of us. Wouldnlt have that today. If... show more
    Best answer: Journeyman painter getting $11 per hour in 2011. Left with the best man they had. Today he still works with me, he makes $15 perhour. I make $18 per hour. I put a lot of money back into the business. I also have an IRA account for my retiremeng and Bronze level Obamacare for both of us. Wouldnlt have that today. If we were at the old job, we'd be lucky to make $12 per hour today and absolutely no benefits at all!
    34 answers · Other - Careers & Employment · 3 days ago