Personal Finance Discover Online Savings just bumped their APR to 1.3% |
- Discover Online Savings just bumped their APR to 1.3%
- Educate your older family members on phone scams!
- Quick question, I have approximately 8 credit cards open with a credit line of over 100k (total). I have a balance of $4,500 on one (0% term) and nothing on the rest. Should I close some of the credit accounts since I don’t use them? Will it negatively effect my credit rating to close them? 800+ now
- My situation is so bad I don't know where to start. I was fired yesterday, I owe money, I'm late with rent and utilities. (EU) [x-post from /r/advice]
- One week left to sign up for the ACA/Obamacare and I have no idea about deductibles or coinsurance or any of these terms. 26 Y.O, (mostly) healthy, looking for a plan that focuses on preventative care and emergency.
- Paying down student loans ($45k on $67k salary) and my car just died. How much should I spend on another one?
- Im about to go from making $150 a week to $1250 a week. How do I adjust?
- I want to stop paying my life insurance but my mom wont let me..
- How much downpayment and how much into savings?
- Let go from my job... 18 days 'til Christmas. Help?
- In face of bubble markets, how does one stay calm?
- I just got a promotion, but the pay bump wasn't what I hoped. (How) should I negotiate it higher?
- My half-sister (15) asked me if I (24) could take custody of her. What could I expect if I were to do this?
- Promotion involving relocation to higher cost of living area, salary does not factor this in
- 31 y/o healthcare professional at a career crossroads
- I'm 26 with 22k left on student loans. Should I aggressively pay down my loans instead of adding to my savings?
- Is there an app like Coinbase where you can invest in gold, oil etc for Android?
- Didn't file 2016 taxes..
- Drowning in debt. Don’t know where to start! Please help!
- Starting to think I should not buy a house
- [NYC] Should I take a job at $40,000 or stay at my $10/hour internship?
- Setting up savings accounts?
- How does 0% apr for a year work?
| Discover Online Savings just bumped their APR to 1.3% Posted: 07 Dec 2017 05:50 AM PST Just checked my Discover account this morning and saw that Discover has caught up with the top tier, bumping their savings account APR from 1.2 to 1.3%. Small change in the grand scheme of things, but nice to see them keeping pace! Edit *APY [link] [comments]  |
| Educate your older family members on phone scams! Posted: 07 Dec 2017 06:40 AM PST Wasn't quite sure where to put this post, so I'm just sticking it here. Hope that's okay. My husbands grandparents received a call from someone pretending to be from the police department where we live claiming to have arrested my husband for drug possession. They told his grandpa they were who my husband had listed to call for bail money. To add pressure, they told him that he had tested clean for drugs, but they would not release him until they received the bail money. This piece of garbage then instructed his grandpa to rush to Walmart and buy $4000 worth of Visa Gift cards to later read the codes to them. The Walmart cashier didn't bat an eye. If if it wasn't for his grandma texting my husband with something along the lines of "I'm sorry this happened to you...$4000 is a lot" we wouldn't have known to call them. This person had convinced them so throughly all this was true that my husband had a hard time getting them to realize they had been scammed. They thought he was calling them from jail. There are terrible people out there using the elderly as targets. Please give your family members a heads up. UPDATE: They called their bank and got it all taken care of, but now this person has been calling them all morning trying to get his money. [link] [comments]  |
| Posted: 07 Dec 2017 05:07 AM PST |
| Posted: 07 Dec 2017 08:37 AM PST Obvious throwaway. The title isn't an exaggeration, it took me a lot of time to write and rewrite everything, I was banging my head on the desk every couple sentences. I know maybe the full story wasn't necessary, I intented it to be one paragraph at first, but I'm bad at cutting words. There are a lot of posts here and I bet this one is too long to get noticed, but I don't care at this point, I probably wrote this for myself. . I'm 22yo, haven't gone to uni, I have been working since high school as a graphic designer, later moved on to mainly website design/programming. First I started as a freelancer, a project here and there, nothing major. Then I had to move out, because after my parents divorced my mom sold our flat and bought another one with her new boyfriend. I couldn't stand living with her anymore, prior to that she tried to throw me out twice anyway. Living with my dad wasn't an option because he was practically homeless at that point (and there are other causes too). I moved out at the last possible moment when the new owners were moving in, rented a flat and found a semi-stable job. Now this is key - my new job was at a company which my dad in a way co-founded, or I'd say helped a lot when it was starting out, he had and still has a high manager position there, working closely with the owner. However, he is not, by law, a co-founder, he doesn't have a stake in the company, because when it was beginning, he was in deep financial troubles, so they agreed to unofficially split income. The company growth was kinda slow at first when I was still at school, but at the point where I joined it was already up and running, over 50+ people and a lot of money for everything, new employees and new investments. The job was paying better than any freelance jobs I could've found and I liked it quite a lot, also it felt friendly and safe, because my family (well, dad) was close friends with the owner and I've known him for years. What I did was to start my own single person company, because only then I could get financial help from local municipality, which I got and bought a new PC and other stuff, at that point dramatically needed to keep working. I don't recommend repeating what I've done next: since there was a lot of money in the company, I was friends with the owner, I didn't sign an agreement, we just agreed verbally to an invoice from me every month. After a year (so a year ago) I've asked for a raise, because I have learned a ton, got into more serious programming work and I started getting other offers. I realized I was severaly underpaid - and I was barely making ends meet, living on your own is way more expensive that I thought - I asked to match the average of those offers, the owner agreed to double my pay. First 4-5 months everything was fine and dandy, invoice payments were never late, I practically got the money on the same day as I sent the invoice. I cleaned up my finances, saved some money for emergency, set up a proper budget, bought a bit of BTC. Problems started just before summer, it was related to a huge multi-million investment made around the time I got the raise. My invoice payments started getting late and finally not at all. I panicked, started calling my dad and the owner, I had never been put in such a situation before. There was a lot of deception, "you're getting paid this week", avoiding my calls etc. Other people working at the company were being owed money too, but nobody (as far as I know) to such an extent as me, certainly not people officially employed, because that would be a legal disaster. I realized I'm last on the list to get paid, I talked to my dad a couple of times about maybe taking a loan. I don't recommend repeating what I've done next: I was owing taxes, rent was late over a month, couldn't pay for utilities, so I've taken a huge (for me) loan. It was equal to 5x my monthly income, I took it in July. It didn't last me nowhere close to 5 months, because my dad asked me to borrow him 1/5 of that sum and I was already ~1.5 month behind. Through that time only one monthly invoice got paid and I ran out of money in late October. I didn't buy anything what wasn't necessary with the loan, I can honestly say I rationed the money well, but it ran out. I kept talking to my dad and hoping he'd pressure the owner, he was critical of my attitude, telling me I should be grateful for the job and that I should be "loyal" and patiently wait, as everyone is, for the money. My dad is in a corner himself, he has no other option than stay with the company, looking for anothe job in his spot would be catastrophic, he has built a house near the company logistics base in the middle of nowhere. I was still on quite good terms with the owner for some reason, let's not forget he was our close friend for years. It all sounds like a typical /r/personalfinance thread where people make every bad decision they can and I realized that even then, but dismissed it because I kept telling myself this situation is different, because my boss is a friend and the atmosphere was friendly. I got paid once more about a month ago, with a promise there will be more money promptly, but there wasn't. Yesterday I got a text(!) from the owner saying he consulted with other people in the company that I'm not worth the money they "are paying" me and that we are ceasing our partership. Moreover, he said he would only pay me for up until October, because he feels like I haven't been up to much last month, which is untrue and a lie - except for all the small stuff people called me with and I'm not able to easily prove, I had at least 5 graphics projects with many iterations in November which I sent off to print by e-mails and I'm able to prove that. He said he won't accept my November invoice (I usually send the invoice around the 10th of the next month). I wasn't expecting that turn of events at all, but maybe I underestimated how bad the financial situation in the company is. I was the only IT guy, there isn't anyone except me even on the "I can google stuff if something happens" level in 50+ people company with two offices, I had a call almost every day with some trouble from people. Except for making the company's website and all projects of any kind, I chose (1920x1080, SSD and 12gb ram for a fair price yay), ordered people's notebooks and set them up, fixed computers, managed e-mails, did some networking and sysadmin work (nothing advanced), like setting up DDNS to access monitoring from outside, which no one else in the company had any idea how to do. It makes NO sense to let go of me, they will for sure pay more for outside help and will be forced to employ somebody else in my place, which is even more ridiculous. Next loan payment is due in 3 days, I have no money, I owe rent, utilities, taxes, I have no job and turns out I was working for free since 1st of November, but nobody told me that. I took it all really hard since early summer, I think I might be depressed. I would never ever admit it to anybody, because it's "tough man" culture around here and I would be stigmatized as a pussy, but I seriously think I'm depressed. I have problems getting out of bed often, not to mention out of home, I haven't been this disappointed with myself and other people in my life ever. I had a girlfriend for 6 years, we broke up in early September due to multitude of reasons, it was the last person that was offering me any support, but in the months leading to that she didn't care too. I feel betrayed by everyone, I thought I approached everything properly, I budgeted my expenses, I don't drink, don't smoke, don't do drugs, I always spend money responsibly, yet I'm practically bankrupt and I owe a ton of money. I realize they're in the wrong and are supposed to pay my invoices, but I have no money for any lawyer, that company employs a full-time lawyer and other ones from time to time, I don't know how to do anything of that kind anyway. If I was on the other side of this post I would have no problem listing all the mistakes I've done, I know I should have jumped ship as soon as invoices were getting late, I shouldn't have taken the loan, I should have signed an agreement, I should have been distrustful. The whole point is that I haven't done all that and I'm in a really bad situation, I don't know what to do, even if I magically found a job today I won't earn even close to enough money in time. I just don't see any solution, the thing which I could write on a post-it note and stick to the wall next to my monitor, so I could work towards something. I'm fucked edit: spelling #2 edit: A lot of people don't know what to assume when it comes to the country I'm from, I live in Poland, I don't know why I put EU in the title, I don't think it's such a sensitive information. I was also the sole English (except for maybe two people in the company who knew broken English enough to understand what's being said) and Russian translator for the company, including talks and legal documents, if that changes anything. [link] [comments]  |
| Posted: 07 Dec 2017 05:30 PM PST One week left to sign up for the ACA/Obamacare and I have no idea about deductibles or coinsurance or any of these terms. 26 Y.O (mostly) healthy male who is looking for a plan that focuses on preventative care. (self.personalfinance) submitted just now by 8solutions I would provide a more specific question but I'm really not sure where to begin. Usually, I go to the doctors once a year for a checkup. I went to the ER for a severe stomach bug 3 years ago. I'd like to do 2 dental cleanings this year and have to get my wisdom teeth out, too. Because I never really used the insurance I had and it was a family plan, I never got a feel for what a good/bad plan entails. What should I be looking for and what should I look out for? PS. With open enrollment ending on the 15th, I'm surprised to see there isn't a sticky here. Healthcare is going to be a large part of my budget for 2017 [link] [comments]  |
| Posted: 07 Dec 2017 05:48 AM PST About three years ago, I started off with over 90k in student loans and have paid those down to about 45k due to a well-paying job and living in cheap apartment. The transmission just died on my car and isn't worth repairing, by anyone's standard. I just wasn't expecting to buy a new car this soon. My goal was to pay down the rest of my student loans in the next two years, and now that's not going to happen. I'm having a really hard time trying to decide what price point I should aim for with this new car. I make $67,000 and have $12,000 in my bank account, with a goal of having at least $9,000 in savings while I'm paying down my loans. After taxes, rent and my average credit card expense, I have about $1,240 each month ($1,880 - $640 student loan payment), which I have been putting towards savings and/or overpaying my student loans. This has let me put down $20k on my loans each year and still add to my savings. Getting another car is going to set back my savings and/or require another a loan, in either case, my financial goals are going to be pushed back by however much the car costs. I'm having a very hard time figuring out a price point for buying another (used) car. I could get something a few years old for $8k-$11k at a used car dealer, or a certified pre-owned car for $12k from a dealer. I'm hoping to have a car that's going to be reliable, but I also know that reliability and cost go hand in hand. I'm not interested in going through a private seller – I need to get this car purchased ASAP so I don't have the time to hunt on Craigslist, and I don't have a lot of car knowledge, so even if I get it inspected first, I'd like it to come from a more formalized source. tl;dr: I want a car that's going to be reliable, but cost impacts both reliability and my goals of lowering my debt. Edit: Something else I need to factor in is that I'm not comfortable working on cars, doing my own repairs or going part-hunting, so I rely on a mechanic for those repairs. Not fiscally ideal, but it's peace of mind. [link] [comments]  |
| Im about to go from making $150 a week to $1250 a week. How do I adjust? Posted: 07 Dec 2017 01:12 PM PST Dropped out of college and now Im a truck driver. The amount Im making is kinda hard for me to process. Im taking home $1000 a week after taxes and insurance but... what do I do with it? My gf and I live in pa and want to move to fl she has $1500 saved and I have about the same. I drive a 1980 camaro so Id like to get a new car at some point. However my credit is garbage (400) so finding an apartment will be difficult even though paying for it wont be a problem. Do I invest? Do I throw it in savings? Do I hide it under the mattress? Im financially responsible enough to know not to go blow all my money on shit I dont need. Im pretty frugal but Im 21 and not sure how to adult yet. [link] [comments]  |
| I want to stop paying my life insurance but my mom wont let me.. Posted: 07 Dec 2017 06:42 AM PST Hello, I currently have a 10 pay life insurance. My mom set me up this 5 years ago. i pay 67CAD/month. it beeen more than 5 years so i spent like 4.4k cad so far and ive been reading a lot on reddit and a lot of ppl say you dont need a life insurance and its better to get term life. Policy give me 100k if i die before 10 years and 200k if i finish with the 10 years payment. But i called my insurance company (london life) and they said i will only get 467$? cash out if i surrender my insurance. Should i just complete the 5 years left (around 3.6k) or gave up on it but loose like 4k$ i wasted on this insurance.. And my mom really want me too keep this and even offer to pay for it.. But i dont want her to pay for this and waste her money.. i feel like i dont need this. im only 20 years old,bno kids and in university, Help plz ty Edit: [link] [comments]  |
| How much downpayment and how much into savings? Posted: 07 Dec 2017 07:00 AM PST I am buying a home in CA for 650k. I also have saved exactly 650k in cash. I am tempted to put 50% down, but is that wise? Someone else told me to only put 100k down and the rest invested into an asset managemt group. I'm very torn on what I should do. I have a job that pays 130 year, but it's rather unstable at the moment, although I do have a CS background and can probably find work fairly quickly. I tend to be less risky because I want to be able to continue to make payments even if shit hits the fan. Initiallly I was planning on keeping 5 years of savings in an emergency fund, but that's probably overdoing it... [link] [comments]  |
| Let go from my job... 18 days 'til Christmas. Help? Posted: 07 Dec 2017 05:45 PM PST I have been working for my friend's start-up for the past 5 years- my first 'real' job paying 48k a year. It's a pretty small company. I moved to California to help him full time with customer support. Even though he always said he would keep me and a few other core staff if we had to scale back (I know, I know)... ad campaigns weren't successful, funding didn't come in, our user base didn't expand... and he let me know the news today that I am let go with an offer of a few months of severance. I know we weren't doing well but it is kind of a shock. Merry Christmas to me... I don't have any family in the area or any idea of what I want to do or where to go otherwise. My background is in the liberal arts and I was happy to get a job at all after the recession. This is my first time being let go from a 'real' job, so I'm not sure what to do... any advice would be appreciated. edit: a word [link] [comments]  |
| In face of bubble markets, how does one stay calm? Posted: 07 Dec 2017 07:09 AM PST Referring to the big elephant in the market right now so I'm curious to get opinion from you old timers. How do you guys stay calm and rationalize your current investment strategy against jumping into the speculating market. Slow and steady is great but you can also get a significant bump if you jump on the bandwagon in the short term. (FYI, I'm a relatively young and new investor with limited assets as I have been following the #1 rule of paying off high interest (student) loans off first before investing) [link] [comments]  |
| I just got a promotion, but the pay bump wasn't what I hoped. (How) should I negotiate it higher? Posted: 07 Dec 2017 07:08 AM PST Background: I'm a 27 y/o procurement agent in Seattle, and just received a promotion from Purchasing Assistant to Buyer I. The corresponding pay increase took me from ~$42,000 yearly to a salary of $52,000. Now don't get me wrong; I know that going from $42K to $52K is a substantial pay increase, for which I am excited and grateful. However, based on the pay grades within my company, and the Seattle area averages for buyer positions, I really thought my post-promotion salary would be closer to $55,000, and that is closer to what I feel I am worth. My question to you, PF, is: Is this the right time to try and negotiate it higher, before too much time passes after the promotion? If so, what language do I use, and what should I come to that meeting armed with? I have looked around online for guides on how to handle this situation, however everything I find points to either asking for a raise within the current job title, or requesting the promotion itself. There's very little about negotiating salary at the moment of promotion. Thank you in advance for your feedback. I can provide more details (within reason) if needed for context. [link] [comments]  |
| Posted: 06 Dec 2017 11:22 PM PST (I posted in /r/legaladvice and got minimal replies and directed here) My half-sister lives in North Carolina with her grandparents. A recent falling-out between them due to rampant disobedience caused the grandparents to threaten/consider relinquishing custody of her to another relative. She chose me (I live in WA) and asked me if I could do it. I've always been concerned with how she's been raised growing up and she and I have had a growing connection in the recent years and she seems to trust and respect me. Financially, I'm stuck working a low-level job while I prepare for a two-year degree at college, and I'm not absolutely certain how much more per month I would need to be making in order to be recognized by the state as a candidate for guardianship/cover extra expenses that she might contribute to my overall expenses. Would the state help me if I were to take her in? Would the courts deny me if I didn't make enough? Current income: $20,000 annually. [link] [comments]  |
| Promotion involving relocation to higher cost of living area, salary does not factor this in Posted: 07 Dec 2017 04:07 PM PST Currently 23, employed in a logistics role for a fortune 500 company. I have been offered a new position at our companies largest facility as the main supervisor due to my performance in my current role. Relocation is included, however my salary will bump up 12% to a number in the low $70,000 range. The cost of living change alone looks to be around 10% more based off of the calculations I have found online and looking at housing costs myself. My question is this, should I be asking for more? If so, I would greatly appreciate any advice on how you would potentially go about this. As a 23 year old making this much already it feels crazy to ask for more but I know how much they need me to fill the position and how much we can save almost instantly. However, factoring in cost of living makes me think I'm basically barely getting a raise while moving into a vital position in our largest facility. [link] [comments]  |
| 31 y/o healthcare professional at a career crossroads Posted: 07 Dec 2017 06:14 AM PST I graduated professional school in 2014, currently making ~$172K + yearly bonus. I still have ~$160K in student loans (went to an expensive private school). I am now faced with a choice between continuing with my current career and hopefully see my income steadily rise over the years, and enrolling in a 3-year specialty training program (in a different city) that will pay me only ~$55K per year. It's hard to say how much more I could make with a specialty certificate because it all depends on how I apply myself. But let's assume that I can see an increase in income of $30K (very conservative estimate) per year compared to my current career path, and that I will have 25-30 years left in my career. Would this career path be worth it considering that I will be making ~$360K less during this 3 year span and letting my student loans accrue more interest? [link] [comments]  |
| Posted: 07 Dec 2017 06:39 AM PST Current situation:
My current goal/strategy is to eliminate my student loans as quickly as possible, so I'm paying extra per month towards my loans in order to pay them off within 2 years. Currently, this puts me at a net negative of about $300 dollars per month, which my savings can handle until I get my raise next year. Is this is the smartest use of my money? I'd like to begin building my savings more for a down payment on a house, but I'm unsure if I should wait until my loan is paid off. Additionally, I do realize that contributing to my TSP might make more sense as I can expect a higher return than what I would save by paying down my loan. The problem is that I would like to be able to see this money in the near future (wthin 5 years) should I decide to purchase a house. Any insight is helpful - thanks PF. [link] [comments]  |
| Is there an app like Coinbase where you can invest in gold, oil etc for Android? Posted: 07 Dec 2017 05:02 PM PST I'm trying to start having investments in a majority of markets [link] [comments]  |
| Posted: 07 Dec 2017 03:36 PM PST So I am 23 yrs old this year, but until my current employer was talking about W-2s for this year and I didn't even realize that I never filed my taxes last year.. I am single. Made about 30-35k and didn't have to pay in anything. Is there any consequences for this? Will there be any trouble filing this year? I lived and worked in Wisconsin in 2016 if that's any help. Any answers are greatly appreciated. If I'm missing any additional info let me know and I'll reply accordingly. Edit: typo [link] [comments]  |
| Drowning in debt. Don’t know where to start! Please help! Posted: 07 Dec 2017 08:42 AM PST Hi friends! First time posting and I'm in desperate need of help. I'm 21 and already have a lot of debt. I have about $4000 in credit card debt, a student loan and a $5000 personal loan. (I stupidly took out the personal loan to consolidate my credit cards but my irresponsible self racked up all the debt again) I'm making $13 an hour currently and living paycheck to paycheck trying to stay on top of all my payments. No savings. I have an interview for a job that'll pay $17 an hour this week so fingers crossed on that. But I just really want to pay off my credit cards and chip away at the loan as well and then maybe start building a savings. Where should I start? Any tips? I'm currently paying $146 a month for the personal loan, $350 for my car payment, $192 for the student loan and then paying whatever I can on all the cards (I have 4) I feel like I'm drowning and I'm so stressed. Any help would be much appreciated [link] [comments]  |
| Starting to think I should not buy a house Posted: 07 Dec 2017 07:50 PM PST 29 year old male and I have been thinking I want to buy a house for the last couple months. I am currently preapproved for a home loan up $250k or so. I was going to do an FHA loan on a town home. My stats are as follows:
Now after getting exposure to the housing market, I don't think I can afford it. After HOA fees and whatnot on even a $180k town home, my monthly payment is calculating out to be around $1300-$1500 a month. That's half my monthly income.....how am I supposed to get ahead? If I bought a cheaper house without an FHA loan, it'd be a fixer upper, and I'd much rather spend my free time learning things that will further me in my career and help me make more money. Instead of spending it remodeling and fixing a dinky house. Renting a single room apartment (I do not want roommates) is still going to be kind of expensive, probably around $1000-$1100 a month, but at least its not half my monthly income. And if an emergency came up, I would still be able to shell out money due to actually being able to save money. So, now what's starting to make sense is maybe take $5k out of my bank account and pay off a chunk of my car, or save up a little more and start a mutual fund. Advice? [link] [comments]  |
| [NYC] Should I take a job at $40,000 or stay at my $10/hour internship? Posted: 07 Dec 2017 05:25 PM PST Hi Reddit! I need personal finance / life advice. I 21 and currently am in a 3-month internship, it will end in two months. I'm also currently applying to jobs and touching base with recruitment agencies to find job placement. A job as a marketing assistant was offered to me, they said salary starts between $30,000 and $40,000. I was aiming for $50,000 and I don't think I'll consider the job at $30,000 but for $40,000 I am thinking about. I applied fairly recently and haven't heard back from other opportunities yet and I graduate in 1 week (yay). My current internship is low pay (10/hour) but I'm doing a lot of hands-on work and learning a lot. My fear is that the marketing assistant position will be predominantly "admin work" for the higher ups. I don't want to leave mid internship for a worse opportunity even if the pay is better short term (I'd give a two week notice obviously). My other hesitation is that this company is apparently known for hiring young college grads, so I'm nervous it won't be impressive on my resume to find a higher paying job. My current internship is at a small company but it's daily active in marketing and works with bigger clients. Furthermore, the marketing assistant position isn't for a marketing agency, it's a marketing department of a conference-organizing company, so I'm also afraid the fact that it isn't a dedicated marketing company will be a disadvantage. However, I'm nervous upon completion of my internship I won't find another opportunity without a gap of time. Any advice is appreciated Also, if I choose not to take it, How would I say "no thanks but maybe later" because if my internship ends and I can't find a job I'd like to be on good enough terms where I can touch base with them (I obviously realize a position won't be guaranteed). TLDR: take a job that's higher but not ideal pay that might be less informative or stay at low paying internship? [link] [comments]  |
| Posted: 07 Dec 2017 07:55 AM PST I'm 16. I just got my first job working at McDonald's at $10/hr, and I'm about to receive my first real paycheck on Monday. I think ahead for a lot of things in my life just so I have an outline of what to do in the present and near future. One thing I definitely consider is setting up savings accounts for my siblings and adding money to it for a few years for it to add up and they have something when they're older. (Was thinking maybe age 20) I never had this because I'm the firstborn, and I've never had any supporting family. That and we are rather poor but we're not in poverty. My oldest sibling is only a couple months away from being 12, and the youngest just had his 2nd birthday. Granted, this may seem like a lot of time before they're going to need the money. But time flies What I came to this sub for was- where do I even start? I doubt I'll be able to set these things up within the next couple of months while I'm still setting up my own bank accounts and stuff. TLDR- I want to set up savings accounts for my 5 siblings. where do I start? [link] [comments]  |
| How does 0% apr for a year work? Posted: 07 Dec 2017 03:25 PM PST I got a discover card in October. Discover offers 0% APR your first year. I was wondering if I still owe money on it when my year was up how much interest I'd be charged. I think the APR on my card is around 22 or 23%. I'm wondering this because I'm going to make a bigger purchase with my card (around $800) I know I can pay it off by next October. However, a friend of mine warned me that if I didn't pay it off I'd be charged interest from the point I made the purchase. For instance if I made the purchase in February and it hits October I'd be charged 7 months of interest? I don't know if he was right or not. This is my first bigger credit card (I have one for a store). I just want to make sure I'm making the best decision. [link] [comments]  |
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