• 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.
    12 answers · Insurance · 4 days ago
  • I'm broke and already tired of it.?

    I'm only 17. I'm a senior in highschool. I have school until 3 every day and work 4-11 every night and weekends. My entire paycheck goes to insurance, gas, phone bill, food. I have no money to spare. I can't get a better job until I graduate because everything is 18+. I'm enrolled in a welding class... show more
    I'm only 17. I'm a senior in highschool. I have school until 3 every day and work 4-11 every night and weekends. My entire paycheck goes to insurance, gas, phone bill, food. I have no money to spare. I can't get a better job until I graduate because everything is 18+. I'm enrolled in a welding class at a community college that I go to every day followed by an English class at my highschool. Sure after i graduate i might get lucky and get a good job welding but I'm tired of having no money to spare. How does a 17 year old make money on the side. I've posted close to 800 flyers for detailing cars to make money on the side. Nobody around here cares to drive a clean car. I've posted hundreds of flyers for lawn mowing but nobody has a decent yard. Everything like Uber or Taskrabbit requires 18 years+. Is this just how it has to be for another 1-2 years. Everybody else at my school has everything paid for them by their parents. Their cars, insurance, gas, clothes, dates, food, allowance, all paid for. I can't hang out with my friends and go out because I have no money and I'm tired of it.
    68 answers · Other - Careers & Employment · 2 days ago
  • What rights do I have when it comes to renting a room from someone?

    I live in an apartment, the lady owns the actual apartment we live in. I rent a room from her, it has no door, not even a 4th wall. When I moved in the room was gross but she said she d clean it. She never did. So now it s about 10 months later. She s turned into a meth head. I pay $450 a mo the rent to live in my... show more
    I live in an apartment, the lady owns the actual apartment we live in. I rent a room from her, it has no door, not even a 4th wall. When I moved in the room was gross but she said she d clean it. She never did. So now it s about 10 months later. She s turned into a meth head. I pay $450 a mo the rent to live in my room, because the living room, kitchen, and bathroom are disgusting. Roaches crawling everywhere, thick film of dog hair is always on the floor along with a large amount of dirt and trash. Dishes filling the sink up. Dishes even on the floor. The bathroom is disgusting. Honestly you could get a staff Infection if u cut urself in there. I don t have words to describe the amount of filth. Just trash everywhere. People have been stealing my belongings out of my room now too. I have nowhere else to go since I have no family in my area or a car to go to them. Is there anything I can do? Do I have any rights here? I want to threaten to withhold rent until she cleans or reduce rent but honestly I am afraid she d evict me. I need to know what I can do, I hardly make enough to pay rent. Thanks
    18 answers · Renting & Real Estate · 10 hours ago
  • Intent to vacate?

    My apartment s lease states they require 2 months notice. It does not say 60 days it says 2 months. My lease is set to end October 15, today is August 18 and I m faxing them intent to vacate as I type. Will I likely be charged a penalty for late notice?
    My apartment s lease states they require 2 months notice. It does not say 60 days it says 2 months. My lease is set to end October 15, today is August 18 and I m faxing them intent to vacate as I type. Will I likely be charged a penalty for late notice?
    17 answers · Renting & Real Estate · 13 hours ago
  • Do Apartments look at medical bills?

    I'm a 20 year old looking to rent my own Apartment. I'm worried because when I was in high school, I had an abscess tooth. I have a medical bill from March 2016 at only $795. But it just got moved to collections and I'm worried about getting denied for this. I would have paid this but I did not have a... show more
    I'm a 20 year old looking to rent my own Apartment. I'm worried because when I was in high school, I had an abscess tooth. I have a medical bill from March 2016 at only $795. But it just got moved to collections and I'm worried about getting denied for this. I would have paid this but I did not have a job because I was still in high school... I wanted a job so bad. I wanted to wait until after high school though. My last day of school was actually my first day at my first job. do you think an apartment would overlook a medical bill from two years ago i have a car bill being paid on time always? Also does anyone know if I do pay the bill, will it not show up on the credit report because it's been paid? Or will it show up as being paid very late and it won't even matter? I was told Apartments don't even look at hospital bills but mine just got moved to collections today and it's worrying me that it could affect my chances. :(
    20 answers · Renting & Real Estate · 23 hours ago
  • I am 18 and losing my health insurance, what do I do?

    My parents are dropping me from their health insurance due to a change in prices. I have no idea what to do. I live on my own and am employed. But my job does not offer insurance, how do I get health insurance with out changing employment?
    My parents are dropping me from their health insurance due to a change in prices. I have no idea what to do. I live on my own and am employed. But my job does not offer insurance, how do I get health insurance with out changing employment?
    8 answers · Insurance · 1 day ago
  • What does 4on 4off mean for a job?

    I just got offered a job position at work & it says its a 4on & 4off line, what exactly does this mean?
    I just got offered a job position at work & it says its a 4on & 4off line, what exactly does this mean?
    13 answers · Other - Careers & Employment · 7 hours ago
  • Why do some people go back to work after "retiring" at age 60?

    Best answer: 1. Need more money in retirement than they thought that they did. 2. Boredom. (This is a VERY common reason.) 3. The chance to do what they love, vs what they need to do in order to survive. 4. Need health insurance and can't afford to pay for commercial insurance at that age. 5. Just to get out and... show more
    Best answer: 1. Need more money in retirement than they thought that they did.

    2. Boredom. (This is a VERY common reason.)

    3. The chance to do what they love, vs what they need to do in order to survive.

    4. Need health insurance and can't afford to pay for commercial insurance at that age.

    5. Just to get out and meet people.

    6. Need more paid in quarters to qualify for Social Security, or want to increase their benefits.
    18 answers · Other - Business & Finance · 1 day ago
  • Buying a house with tenants living there....?

    If I were to buy a house and the people currently living there are on a lease until April 2018 would I have to wait until the lease is up to move in the house ... or since it's between them and the current landlord they would have to move once the home is sold????
    If I were to buy a house and the people currently living there are on a lease until April 2018 would I have to wait until the lease is up to move in the house ... or since it's between them and the current landlord they would have to move once the home is sold????
    18 answers · Renting & Real Estate · 2 days 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 · 3 days ago