• Poll: What do you refuse to pay for?

    39 answers · 3 days ago
  • Am I selfish or am I right for this?

    I am a 19 year old working at a store that pays me a decent amount of money above minimum wage but I have a friends that keep asking for money. Like people are asking me for 200 dollars and I look at them like they’re crazy. I don’t have any financial responsibilities, I live with my parents and go to junior on a... show more
    I am a 19 year old working at a store that pays me a decent amount of money above minimum wage but I have a friends that keep asking for money. Like people are asking me for 200 dollars and I look at them like they’re crazy. I don’t have any financial responsibilities, I live with my parents and go to junior on a full ride and get around public transit for free due to the school I go to having a fare card waiver. So no financial responsibility or obligation. All my paychecks are being direct deposited into my savings account and that money would be saved and invested in my future when I have a family I’ll be working but I’ll also have sur plus or extra money from savings. It’s always good to have a bunch of extra money, it’s better than having less money than what you need. One of my friends has a child and lost her job and is struggling to pay rent this month and she asked for 300, but I couldn’t help her cuz I need the money I work hard for toward my future so I don’t ever have to be in a situation where I can’t pay a bill. Another one of my friends gets mad when he asks for money and people don’t give it to him so he calls them selfish. People don’t owe you s**t. I’m working to benefit me and make sure I’m never poor and that’s what a lot of my friends don’t respect. I need a new circle of friends who are more financially stable just so I don’t receive text asking for hundreds of dollars. I may come off selfish but I gotta save my own a$$.
    13 answers · 21 hours ago
  • Do you need to have a bank account in order to get a job? Like, if I were to work and get paid..Do I really need a bank account?

    I'm trying to get a job but I don't want to open a bank account. Does it really matter if I have a bank account or not? Can I still get pay checks even without a bank account? Does most jobs require workers to have back accounts or is it just only necessary if you want direct deposit? Do jobs ask for bank... show more
    I'm trying to get a job but I don't want to open a bank account. Does it really matter if I have a bank account or not? Can I still get pay checks even without a bank account? Does most jobs require workers to have back accounts or is it just only necessary if you want direct deposit? Do jobs ask for bank account information? {I've worked before but never needed a bank account because it was through a family company and they would pay me in cash only. So, I still don't want a bank account. I don't trust bank accounts.}
    14 answers · 1 day ago
  • I've lost my mom's bank card, how would I let her know?

    Best answer: The sooner you tell her the better. Dreading telling her will turn out to be worse than actually telling her, and then she will still find out sooner or later anyway. Pull the band-aid off quickly. It will sting a bit but just do it and get it over with (i.e. come clean and while you may be punished at least you... show more
    Best answer: The sooner you tell her the better. Dreading telling her will turn out to be worse than actually telling her, and then she will still find out sooner or later anyway. Pull the band-aid off quickly. It will sting a bit but just do it and get it over with (i.e. come clean and while you may be punished at least you will get it over with). Apologize, learn from it, and move on as quickly as possible.
    17 answers · 2 days ago
  • Do I have to have my personal address on my new checks?

    I move often so it doesnt make sense to put my personal address on it. Does anyone know any cheap websites to order address-less personal checks?
    I move often so it doesnt make sense to put my personal address on it. Does anyone know any cheap websites to order address-less personal checks?
    9 answers · 19 hours ago
  • Bankruptcy?

    I pay all my bills on time never missed a payment I own a house and that is always paid on time and I have 4 years on both of my cars and I am about 35000 in credit card debt. my husband and I are struggling to pay our bills even though we do it it seems we never get a head what should we do how can we make it... show more
    I pay all my bills on time never missed a payment I own a house and that is always paid on time and I have 4 years on both of my cars and I am about 35000 in credit card debt. my husband and I are struggling to pay our bills even though we do it it seems we never get a head what should we do how can we make it easier we don't go out or spend money on anything all of our money goes to bills.
    12 answers · 3 days ago
  • I lost about £200,000 in an investment that went wrong. Will I ever recover given that I am now 57 years old?

    My wife an I put most of our savings into a stock market investment and we lost around £200,000 that we put in. We only recuped around £3,000 of our original investment. Our financial adviser advised us on this investment, but it has all gone wrong. Naturally I was mad at the advisor and all he could say was sorry.... show more
    My wife an I put most of our savings into a stock market investment and we lost around £200,000 that we put in. We only recuped around £3,000 of our original investment. Our financial adviser advised us on this investment, but it has all gone wrong. Naturally I was mad at the advisor and all he could say was sorry. We saw our investment losing value gradually, but our adviser kept saying that we should be patient and that things would get better, but they never did, despite us foolishly trusting him. We are both really mad and angry, but now we have to deal with reality. We still haven't finished paying the mortgage on our house. We only have savings of around £10,000 left. I am feeling so depressed and fed up with life. I have worked so hard all my life and now I and my wife are in such a difficult situation. Luckily our daughter is now working at 23 years old, but our 17 year old son who wants to go to University will have to fund himself now as we cant afford it. We feel we have let our whole family down and we are furious with the financial advisor. We have bills and loans to pay off and I don't know how we can pay them all off. Should we declare ourselves bankrupt? How are we going to get ourselves out of this mess? Is our retirement going to be a real struggle now?
    8 answers · 2 days ago
  • Is refusing to give out trust money for college expenses a breach of fiduciary duty?

    Best answer: You need to firstly study carefully the terms and conditions of the trust deed. Does it make specific reference to your home town or place of study, for example? The trustee cannot act outside the conditions of the trust on just her opinion of how you have performed ( unless there is a clause in the trust deed... show more
    Best answer: You need to firstly study carefully the terms and conditions of the trust deed. Does it make specific reference to your home town or place of study, for example? The trustee cannot act outside the conditions of the trust on just her opinion of how you have performed ( unless there is a clause in the trust deed that stipulates that you must obtain certain grades etc.) Check out https://lawpath.com.au and ask the online help desk.
    7 answers · 1 day ago
  • Can I support a family of 3 on my salary?

    I'm currently 27 years old living in the Philly suburbs. I have a bachelors in health science. I work as a customer service rep at an insurance company and currently make about $37,500 a year. I want to marry my gf within the next couple years and have a child. My gf wants to be a stay at home mom. So let's... show more
    I'm currently 27 years old living in the Philly suburbs. I have a bachelors in health science. I work as a customer service rep at an insurance company and currently make about $37,500 a year. I want to marry my gf within the next couple years and have a child. My gf wants to be a stay at home mom. So let's say 3 years from now I have my first kid and have increased my salary to $45,000. Is this enough to support myself, my wife and a child?
    19 answers · 5 days ago
  • UK, London - Do I have to pay rent to the council now?

    Best answer: You say you live with your parents but you now work as a waitress on minimum wage. Although you do not actually say where this letter came from I am assuming that it came from the council your parents rent their home from. If so, as you are now working then you may be liable to pay a contribute towards the rent... show more
    Best answer: You say you live with your parents but you now work as a waitress on minimum wage.

    Although you do not actually say where this letter came from I am assuming that it came from the council your parents rent their home from.

    If so, as you are now working then you may be liable to pay a contribute towards the rent because you are no longer classed as a 'dependent'.

    If the letter did come from the council then firstly, I am surprised they took months to contact you again. This is extremely unusual. Secondly, I am sorry but I have to say you are being, and have been very foolish by ignoring the initial letter, or any received thereafter.

    The reason the council want to see your Contract of Employment and normally several wage slips is to decide whether you are actually liable to pay towards the rent and Council Tax.

    If you are on a low enough wage you way not have to pay anything towards rent or Council Tax, or you may have to pay it at a reduced rate.

    Had you taken your wage slips and Contract to the council when initially asked the problem you are having is very unlikely to have arisen.

    My advice is twofold.

    1) The first thing you should do is to make an appointment as quickly as you can to obtain help and advice from your local CAB (Citizen's Advice Bureau). They will either help you untangle the mess you appear to have got yourself into and may even act on your behalf with your permission.

    2) After getting the advice from the CAB make an appointment to see the council and diplomatically explain your situation and explain that you did not understand the letter(s) they sent you. Basically eat a littler 'Humble Pie'.

    Because you have taken so long to reply to their request for information this is why the amount the council thinks you owe has accumulated over the months.

    If the council finds that you are not liable to pay either any rent or tax or a smaller proportion, depending on the payments you receive from your work, you MUST ask the council to amend the amount you owe them and if you did not owe anything over the period concerned ask them to cancel the debt. If it is found that you only owe a percentage then of course request them to amend the £1000 and reduce it.

    Whether they will (or can) do this I am not sure but I suspect they may.

    Good luck and I hope all will be fine.

    Poseidon
    7 answers · 2 days ago
  • 20000 usd converted to aud?

    5 answers · 10 hours ago
  • How to make money being unemployed?

    I live in Los Angeles California.
    I live in Los Angeles California.
    19 answers · 5 days ago