Frequently Asked Questions

What kind of questions can I ask here?

Please look around to see if your question has already been asked (and maybe even answered!) before you ask. It's also perfectly fine to ask and answer your own question, as long as you pretend you're on Jeopardy: phrase it in the form of a question.

What kind of questions should I not ask here?

Avoid asking questions that are subjective, argumentative, or require extended discussion. This is not a discussion board, this is a place for questions that can be answered!

If you want to talk about the site itself, please don't do it here. Visit our meta-discussion site where you can talk about things like what questions are appropriate, what tags we should use, suggest a feature, or generally discuss how Personal Finance and Money - Stack Exchange works.

Be nice.

Treat others with the same respect you'd want them to treat you. We're all here to learn together. Be tolerant of others who may not know everything you know. Bring your sense of humor.

Be honest.

Above all, be honest. If you see misinformation, vote it down. Add comments indicating what, specifically, is wrong. Provide better answers of your own. Best of all — edit and improve the existing questions and answers!

Do I have to log in or create an account?

Nope. You can answer and ask questions to your heart's content as an anonymous user, much like Wikipedia. However, there are some things you won't be able to do on the site without registering. But it's easy to register if you want to. All you need is an OpenID.

Why does this site look so “sketchy”?

This site was created through the open democratic process at Stack Exchange Area 51, and it is currently in beta. The site is still in the process of being defined and constructed, so a temporary placeholder design will be used until the site is fully formed and ready to leave beta. Once the site is no longer beta it will have a logo, domain, and design of the community's choice -- see our meta-discussion site if you have ideas or feedback!

How do I ask questions here?

When you post a new question, other users will almost immediately see it and try to provide good answers. This often happens in a matter of minutes, so be sure to check back frequently when your question is still new for the best response.

If your question needs clarification, you will see comments in smaller type below your question. If other users ask you for more information in the comments, edit your question using the edit link just below your original question. Providing clarification promptly will help get you the best answers.

As you see new answers to your question, vote up the helpful ones by clicking the upward pointing arrow to the left of the answer. Answers are normally sorted by vote score so the most highly voted answers float to the top. Other users will also vote on the answers to your question.

When you have decided which answer is the most helpful to you, mark it as the accepted answer by clicking on the check box outline to the left of the answer. This lets other people know that you have received a good answer to your question. Doing this is helpful because it shows other people that you're getting value from the community. (If you don't do this, people will often politely ask you to go back and accept answers for more of your questions!)

What is reputation?

Reputation is completely optional. Normal use of Personal Finance and Money - Stack Exchange — that is, asking and answering questions — does not require any reputation whatsoever.

If you'd like to help us run Personal Finance and Money - Stack Exchange, you'll need to earn some reputation first. Reputation is a rough measurement of how much the community trusts you. Reputation is never given, it is earned by convincing fellow users that you know what you're talking about.

To gain reputation, post good questions and useful answers. Your peers will vote on your posts, and those votes will cause you to gain (or, in rare cases, lose) reputation:

A maximum of 30 votes can be cast per user per day, and you can earn a maximum of 200 reputation per day (although accepted answers and bounty awards are immune to this limit). Also, please note that votes for any posts marked "community wiki" do not generate reputation.

Amass enough reputation points and Personal Finance and Money - Stack Exchange will allow you to go beyond simply asking and answering questions:

(note that reputation requirements have been relaxed slightly for the duration of the public beta)

^† you can always comment on your questions and answers, and any answers to questions you've asked, even with 1 rep.

At the high end of this reputation spectrum there is little difference between users with high reputation and ♦ moderators. That is very much intentional. We don't run Personal Finance and Money - Stack Exchange. The community does.

What if I don't get a good answer?

In order to get good answers, you have to put some effort into your question. Edit your question to provide status and progress updates. Document your own continued efforts to answer your question. This will naturally bump your question and get more people interested in it.

If, despite your best efforts, you feel questions aren't getting good answers, you can help by offering a bounty. Slice off anywhere from +50 to +500 of your own hard-earned reputation and attach it to any question as a bounty. The bountied question will appear with a special indicator in all question lists, and it will also be visible on the home page Featured tab for the duration of the bounty period.

Click the bounty award icon next to each answer to permanently award your bounty to the answerer. There are a few other rules around bounties:

• Questions must be at least 2 days old to be eligible for a bounty.
• Users must have at least 100 reputation to offer a bounty.
• There can only be 1 active bounty per question and per user at any given time.
• Once initiated, the bounty period lasts 7 days.
• After starting a bounty, you must wait 1 day before awarding it.
• If you do not award your bounty within 7 days, the highest voted answer created after the bounty started with at least 2 upvotes will be awarded half the bounty amount.

In any case, you will always give up the amount of reputation specified in the bounty, so if you start a bounty, be sure to follow up and award your bounty to the best answer!

As an additional bonus, bounty awards are immune to the daily reputation cap and community wiki mode.

Why are some questions closed?

Questions that are deemed sufficiently off-topic may be closed by the community. Users with 500 reputation can cast up to 12 close votes per day. When a question reaches 5 close votes, it is marked as closed, and will no longer accept answers. Closed questions may be opened by casting reopen votes in the same manner. However, you can only vote to close or reopen a question once.

What if I see bad things happening?

Please use our flagging system to let us know about it. Each comment has a small flag icon, and every post has a flag menu at the bottom. Take advantage of it! We actively moderate our community, but we need your help to do so. Anything that is getting consistently flagged by our community members will be investigated and followed up on. And of course you can always email us directly if you feel the matter is extremely urgent.

Can I use a signature or tagline?

Please don't use signatures or taglines in your posts. Every post you make is already "signed" with your standard user card, which links directly back to your user page. Your user page belongs to you — fill it with interesting information about your interests, links to cool stuff you've worked on, or whatever else you like!

Other people can edit my stuff?!

Like Wikipedia, this site is collaboratively edited, and all edits are tracked. If you are not comfortable with the idea of your questions and answers being edited by other trusted users, this may not be the site for you.

May I promote products I am affiliated with here?

Be careful, because the community frowns on overt self-promotion and tends to vote it down and flag it as spam. Post good, relevant answers, and if they happen to be about your product, so be it. However, you must disclose your affiliation with the product in your answers. Also, if a huge percentage of your posts include a mention of your product, you're clearly here for the wrong reasons. Our advertising rates are quite reasonable; contact our ad sales team for details. We also offer free vote-based advertising for open source projects.

Are there any search options?

Indeed there are. Advanced Super Ninja Search Options no less. Visit the search page to see them … but you must first snatch this pebble from my hand, grasshopper.