• Life insurance: Worth it or pointless?

    Best answer: Life insurance is a supplement for when the wage earner dies. It is not for the dead, it's for the living who survive you and have bills, your bills, to pay off. When you are no longer the wage earner, e.g., you retire, it's time to cash in the life insurance.
    Best answer: Life insurance is a supplement for when the wage earner dies. It is not for the dead, it's for the living who survive you and have bills, your bills, to pay off. When you are no longer the wage earner, e.g., you retire, it's time to cash in the life insurance.
    11 answers · Investing · 19 hours ago
  • Nothing makes me happy, I feel nothing?

    I can not see myself doing any career, this is after years of thinking and searching and working and after going to school. I find nothing interesting anymore, there are barely any opportunities around me in my field. I dont really want to work in my field. I thought about creating a business but I hate businesses... show more
    I can not see myself doing any career, this is after years of thinking and searching and working and after going to school. I find nothing interesting anymore, there are barely any opportunities around me in my field. I dont really want to work in my field. I thought about creating a business but I hate businesses and I have NO interests or hobbies to lean on. I am so screwed. I am planning a doctor visit but typing this now with insomnia from stress. I am so lost and see no way out. Please advise.
    4 answers · Other - Careers & Employment · 1 hour ago
  • Do you like working?

    I hate it. I just wait until the weekend to have fun. Im only 20 and i hate it. I'm a hard worker but i don't want to work until 65. I want to enjoy life already. Idk is this what they mean by do something you love so it won't feel like work? I hate college. I honestly don't know what to do with my... show more
    I hate it. I just wait until the weekend to have fun. Im only 20 and i hate it. I'm a hard worker but i don't want to work until 65. I want to enjoy life already. Idk is this what they mean by do something you love so it won't feel like work? I hate college. I honestly don't know what to do with my life. Please be kind. I feel so depressed. I always wanted to be a youtuber or just do video editing or photography but people always said its not a good career
    19 answers · Other - Careers & Employment · 22 hours ago
  • As the landlord, to what extent am I responsible if a tenant is in violation of city ordinances?

    Best answer: if it is a violation of the lease... your responsibility and ability to terminate the lease (or apply whatever penalty is in it for the violation). If it is a general city ordinance, then the most you could be expected to do is 'advise' them of that restriction and request that they follow it. I would... show more
    Best answer: if it is a violation of the lease...
    your responsibility and ability to terminate the lease (or apply whatever penalty is in it for the violation).

    If it is a general city ordinance,
    then the most you could be expected to do is 'advise' them of that restriction and request that they follow it.
    I would have expected that, that is all you can do - if it is not in your contract.

    You could ask for the police reference from the complaining resident ;)
    and assuming you even get one, check with the local police where they consider the issue to be (work with them basically)
    19 answers · Renting & Real Estate · 3 days ago
  • Is a 25 cent pay raise an insult?

    Best answer: When they talk about review policy, there's a part they tell you and a part they don't. The part they tell you is that you're supposed to have a review after a year. The part they don't tell you is that if you don't get your review, your options are (1) stay and trust them and (2) quit. Most... show more
    Best answer: When they talk about review policy, there's a part they tell you and a part they don't. The part they tell you is that you're supposed to have a review after a year. The part they don't tell you is that if you don't get your review, your options are (1) stay and trust them and (2) quit. Most people, they know, will do the former.

    Employees rights are rapidly fading in the US. Your basic choice is to stay and take what they give you, or leave and find another job. They can probably replace you with someone who'd be THRILLED to make what you make now. Or less. Welcome to the 21st century.

    I'm retired now but years ago I was also unhappy about my raises. I had a boss once give me a very mediocre review. He said "I asked Personnel how much of a raise I could give you. They said 3%. So I wrote you a 3% review." I should have quit on the spot, but instead I quit about a month later.

    I realized that when I really felt underpaid (as I did almost everywhere after 3 or 4 or 5 years) the way to get a raise was to get a new job. In the interview they'd always have to know what I made in my previous job, and then they'd offer me that plus 10%. So I lied. Previous employers aren't allowed to say how much you made. I don't know if that would work today. There were always lots of jobs in those days.
    19 answers · Other - Careers & Employment · 1 day ago
  • What happens to a parents debt when they pass away?

    Best answer: Contact a lawyer. The cost will be worth the peace of mind. It may also depend which State where live.
    Best answer: Contact a lawyer. The cost will be worth the peace of mind. It may also depend which State where live.
    38 answers · Credit · 4 days ago
  • ROOMMATE LEFT, CAN I TAKE HIS STUFF? Explanation in details.?

    Hey, my roommate was living with me without being on the lease, did not pay rent for last month (neither did my other roommate), and also had to pay for the internet by myself, in conclusion I had to pay about or even more than $1,000. I ve had to put up with neither of my roommates paying rent so I v decided to go... show more
    Hey, my roommate was living with me without being on the lease, did not pay rent for last month (neither did my other roommate), and also had to pay for the internet by myself, in conclusion I had to pay about or even more than $1,000. I ve had to put up with neither of my roommates paying rent so I v decided to go ahead and break my lease, tell them to move out, and move out myself. In the process of doing this, the roommate who is not on the lease left for alcoholic rehab for a month in California, and I am leaving this week, all of his belongings are still in my house, I was wondering if it d be a good idea to take his stuff? The tenants would take his stuff anyways?
    17 answers · Renting & Real Estate · 1 day ago
  • How do people afford big houses and stuff like that when they get older?

    Best answer: By having worked very hard while young. Even in my old age I find it hard to waste money on such things as fancy cellphones, my car is a 2011, my house is very modest (hell many of my rental properties are larger than my own home). I can afford anything that I want now but it did not come easy there was no... show more
    Best answer: By having worked very hard while young. Even in my old age I find it hard to waste money on such things as fancy cellphones, my car is a 2011, my house is very modest (hell many of my rental properties are larger than my own home). I can afford anything that I want now but it did not come easy there was no inheritance just every dime earned and saved by ME!

    You will never save money if you spend it the second it comes in. My closest friends die laughing at me because I love thrift shops for clothing. It is all in your mind as to what you REALLY want in your future, you have to have started yesterday!
    18 answers · Renting & Real Estate · 3 days ago
  • Roommate problems, dirty room and obsessive overnight guests?

    I own a home with 5 bedrooms. I rent out 3 of them fully furnished. About 3 months ago I had a new guy move in. He is 21, and usually I don't rent to early 20's because of issues with house rules and respect. However, the interview went well so I let him move in. I told him what was expected of him during... show more
    I own a home with 5 bedrooms. I rent out 3 of them fully furnished. About 3 months ago I had a new guy move in. He is 21, and usually I don't rent to early 20's because of issues with house rules and respect. However, the interview went well so I let him move in. I told him what was expected of him during the interview and the Ad he answered to also had the rules. He has a girlfriend, and I allow an overnight guest no more then 2x a week. I have noticed last week she was here at least 3 nights possibly more. He knows I go to bed early so I assume this has been happening awhile as they are both are gone before I wake up in the morning. She was here all weekend, and is now here tonight ( not sure if she is spending the night). I have also had to talk to him about keeping his room clean at least 3 times, and today I noticed it is getting messy again. trash on the floor, clutter everywhere, garbage..just gross. As I said before I rent out the rooms fully furnished and have put a lot of money into them with furnishings and upgrades. So when I see someone living like a pig, I worry about my things getting damaged. Anyway, I am planning on paying close attention this week to see how many nights she is here, and checking his bedroom later in the week. How I should bring this up to him if these problems persist this week? I am pretty irritated that he has no respect for the few rules I have in my home. At first it was the dirty room, now it's the overnight guests. Help?
    11 answers · Renting & Real Estate · 11 hours ago
  • Tenants not cleaning up trash or poop from yard?

    Our tenants have two small dogs and they will not clean up the yard which is shared space after them. Additionally, they keep spreading trash across the backyard. Is there a way we can remedy this? Their lease does not include pets, for one, but we have allowed them to have the dogs. Can we fine them after... show more
    Our tenants have two small dogs and they will not clean up the yard which is shared space after them. Additionally, they keep spreading trash across the backyard. Is there a way we can remedy this? Their lease does not include pets, for one, but we have allowed them to have the dogs. Can we fine them after repeated attempts to get them to clean up after themselves?
    12 answers · Renting & Real Estate · 19 hours ago
  • Is 45K a year a lot of money in the US?

    on the social security website The national average wage index for 2016 is 48,664.73 that means that 48k is middle class? is this a lot of money to make?
    on the social security website The national average wage index for 2016 is 48,664.73 that means that 48k is middle class? is this a lot of money to make?
    17 answers · Personal Finance · 2 days ago
  • Is 19 years old too young to find a job and work?

    Best answer: I personally started working my first part time job at 16. everyone is different. At 19 you're an adult, (young adult, still, but legally, an adult) so no. Perfect age to start. You should be working part time and going to college though, so you can get a better paying, entry level job... without a degree,... show more
    Best answer: I personally started working my first part time job at 16. everyone is different.

    At 19 you're an adult, (young adult, still, but legally, an adult) so no. Perfect age to start.

    You should be working part time and going to college though, so you can get a better paying, entry level job... without a degree, good luck finding a job where you won't be living miserably, paycheck to paycheck.

    It's great to have a jobm at your age, it's respectable.... shows you are responsible and mature, having that on your resume helps big time for future employment... plus, a little extra money in your pocket feels nice, right?

    But, also, you are still young, so focus on studies should be your main priority over work right now, you should find yourself a part time job, not full time if you are not in school. (Go to school!!)
    12 answers · Other - Careers & Employment · 22 hours ago
  • Did you feel bad when you had to move to another apartment because of financial issue?

    Best answer: This is a lesson in knowing what you want in life. Now you know you want to own your own home. Something to work towards.
    Best answer: This is a lesson in knowing what you want in life. Now you know you want to own your own home. Something to work towards.
    13 answers · Personal Finance · 1 day ago
  • Will I be in trouble when I file?

    So earlier this year during tax time, I had my cousin in Philadelphia file for my kids since I wasn't working and she helped me out financially with them. She was expecting to get a refund but it never came so like three months after that she got a mail saying that it was being audited and she needed to pay... show more
    So earlier this year during tax time, I had my cousin in Philadelphia file for my kids since I wasn't working and she helped me out financially with them. She was expecting to get a refund but it never came so like three months after that she got a mail saying that it was being audited and she needed to pay money. Am I suppose to send her a letter and copy of my ID also stating that my kids and I are related to her? Because she's been on me telling me that I'm gonna get her in trouble if I don't send the letter to her. Also I want to know since she's having this problem if I file next year will it be a problem for me or no?
    11 answers · United States · 18 hours ago