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At what point should I begin paying off student loans?
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17 votes

Everyone has made some good points that I was going to mention but to put it in terms that might make it easier to decide. As stated by others, paying off debt and being free is always the goal and ...

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What evidence that reporting a small utilization (vs no utilization) leads to a better credit rating?
1 votes

There are plenty of good answers and I don't want to weigh it down with more but I did have a couple of things that I wanted to say for the record and so here it is. Yes the formulas are "secret" and ...

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deposit into a single checking account with a joint account
2 votes

You need to have the person who is on the check but not on the account the check is going into to properly endorse the check on the back. Some banks will accept the check as long as the other person ...

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Is it legal for a vendor to reuse credit details from a previous transaction
2 votes

It is very much legal and in fact depending on the fine print of the purchase you make, you have now established a business relationship among which gives the business the right to hold on to your ...

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Calculating investment value of student debt and career choices
2 votes

I agree with much of what @Ek0nomik has stated, as I was going to say the same, but I will add one item that he did not and that is to say: you should also consider the value of the education for the ...

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How bad is it to have a lot of credit available but not used?
2 votes

While @BrianRogers makes some good points, there are a few things you need to consider from the FICO perspective that I want to lay out simply for you: If you have credit that you don't use, it will ...

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I am turning 18 and I am a Student, I need strategies on building great credit soon. Where should I start?
4 votes

Based on the formula used by FICO which is pretty much what you want to focus on, the following is recommended for someone with no credit history: Get 1 department store card or gas card Get 1 visa ...

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Why might it be advisable to keep student debt vs. paying it off quickly?
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30 votes

There are several ways you can get out of paying your student loans back in the USA: You become disabled and the loan is dismissed once verified by treating doctor or the Social Security ...

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Understanding my proxy vote
6 votes

This is a requirement that was added by the SEC which requires any shareholder to say-on-vote as to the compensation of the executives: Companies are required to provide an advisory shareholder ...

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How to transfer money to an account on Cyprus as quick as possible?
1 votes

You can transfer the money from your bank in Russia to Cyprus by sending a Wire Transfer. You provide your account number and SWIFT code for the Cyprus account to your Russian bank and pay the ...

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Home office deduction using simplified method & expensing of non-permanent office modification?
2 votes

Yes, you may deduct the cost of building the "noise cancellation system" :) sorry couldn't resist. But seriously, yes you can deduct it ONCE (unless you have more cost maintaining it) and its on line ...

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How is credit-card utilization calculated when you have more than one card?
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6 votes

The utilization calculation used by FICO is total credit. They take a wide view of your credit. So what your outstanding balances are divided by your total credit limits. They don't calculate ...

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How does Bill Me Later check a person's credit using DOB and Last four SSN digits?
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7 votes

Your social security number is broken into parts which you noted, the first basically what state (variations in the number designate which county) and the middle is group (basically if you were to ...

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Where can I find a good online fundamental data provider for Hong Kong stocks?
1 votes

If you check out China Stock Markets Web provides details on all things that trade on there. It covers the Hang Seng Index, SSE Index, and SSE Component Index. There is also tons of information for ...

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Desktop application equivalent to Mint.com?
2 votes

A desktop application that has the same features (although as already stated, nothing will be identical but if you are looking for functionality then certainly there will be) and pretty simple to use ...

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I sublet my flat. What should I put when scholarships ask me for the owner's contact information?
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4 votes

As long as you have a legitimate signed agreement with the person who is legitimately renting and has a contract with the owners, you are in dealings with the person from whom you sublet the place. ...

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I don't live in America. How can I buy IPO stock of newly listed companies in the United States?
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5 votes

First thing to consider is that getting your hands on an IPO is very difficult unless you have some serious clout. This might help a bit in that department (http://www.sec.gov/answers/ipoelig.htm) ...

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Why aren't Paypal donations allowed in some parts of Europe?
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4 votes

If any source/destination is considered in violation of US sanctions or Anti-Money laundering statutes, then PayPal as a financial institution bound by those regulations will have deny the ...

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What is the class of mail the IRS uses to return the original documents submitted for an ITIN application?
3 votes

According to IRS document (http://www.irs.gov/pub/irs-pdf/iw7.pdf) Original documents you submit will be returned to you at the mailing address shown on your Form W-7. You do not need to ...

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Help with calculation of interest on a security deposit on a rented house?
3 votes

Not addressing any particular issue with your landlord and simply going based on the numbers you provided, you want to calculate the interest on $1795 at 3% interest per year after 5 years. This ...

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What happens if a bank loses your safe deposit box?
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14 votes

Unfortunately assets placed in a safety deposit box are not covered under the Federal Deposit Insurance Program (FDIC). Unless the bank is found to be negligent in the way it handled or protected your ...

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