Personal Finance Tax Tuesday Thread for the week of February 06, 2018 |
- Tax Tuesday Thread for the week of February 06, 2018
- Don't sell the stocks in your retirement portfolio because of the drop in the market!
- What if you ONLY invested right before huge market drops?
- Girlfriend’s mom asked me to sign a “fake lease”
- Heads up! Credit Karma's free tax filing service doesn't factor the Child Tax Credit.
- My persistence paid off, quite literally
- Work is offering to pay to relocate me, what should I know?
- Is there any risk in having all your mutual funds through the same managers?
- IRS warns tax preparers about a new refund scam
- MIL[65f] says she wants our[31f/33m] help financially, please help
- Quicken Premiere Email saying they will not honor that 5 year free plan
- I'm 22 and very bad at managing finances. I want to get on the road to financial freedom, but I'm intimidated.
- Update - Loaning money to a friend
- I just reached my goal of having $10,000 saved. What are some ideas for investing part of that?
- Is it possible to name a living trust as a beneficiary of a mutual fund that is itself not part of the trust?
- Moving to Michigan, got $50k in my pocket and a $120k per year job. What is a responsible home price to target for?
- Getting kicked out of home at 19 in UAE
- They say not to tell anyone about a windfall. Does that hold true if you have friends or family who have much greater wealth than you?
- Pay off more principal on my house or invest?
- Buying a home and starting a new life
- My company is offering their own workman's comp package, free. Is this in my best interest?
- My parents are in financial ruin
- What's your experience with Synchrony Financial?
- Is it crazy to move back to an apartment?
| Tax Tuesday Thread for the week of February 06, 2018 Posted: 06 Feb 2018 05:07 AM PST Please read the PF tax wiki page to see if your question is answered there before posting.This weekly cross-sub thread will be posted through mid-April to give subscribers a chance to ask basic tax-related questions in a consolidated thread. We are also very lucky to have some folks from /r/accounting and /r/tax joining us here to help out. Since taxes can be a very complex topic, the main goal is to point people in the right direction, provide helpful information, and answer questions. (Please note that there is no protection under §7525 or attorney-client relationship when discussing matters in posts on a message board. Consult a reputable tax advisor in person if your situation demands it.) Make a top-level comment if you want to ask a tax-related question! If your question isn't answered here within a day or two, please start a new discussion. For all of the Tax Tuesday threads from this year, check out the Weekly Archive. [link] [comments]  |
| Don't sell the stocks in your retirement portfolio because of the drop in the market! Posted: 06 Feb 2018 05:57 AM PST I've seen a few questions asking if investors should sell their stocks and move them into Treasury Bonds or a Money Market Account. The answer is NO. Markets will always go up in the long term. Dips, corrections and crashes are unavoidable, unpredictable and won't hurt you in the long run. Just hold onto your investments and wait it out. The only way you can lose money when the market is down is if you sell. If you hold (or buy if you have cash to invest) you will make money in the long run. Edit: You all got me! I wrote this post to stop people from selling so that my own portfolio wouldn't lose value. As you all know the best way to manipulate the global equity market is to write a post on Reddit. Edit 2: I'm a little sad I have to say this, but the US stock market is not the same as Bitcoin. One represents the total equity in the world's largest economy and the other is a magical internet money made by some anonymous person on the internet. [link] [comments]  |
| What if you ONLY invested right before huge market drops? Posted: 06 Feb 2018 08:47 AM PST I recently started investing. After months of research and getting cold feet, I finally took the plunge. This past month, I invested $10,000, primarily in an S&P 500 index fund. This past week, I lost a good chunk of change. I'm bummed. This is certainly not how I had hoped my first foray into investing would go, but I've learned enough to let my money sit and wait it out. This article outlines the gains of Bob, a hypothetical and supremely unlucky man who invested only at market peaks, right before huge drops. It demonstrates that even investors cursed with atrocious luck can be successful; the most important thing is sticking with it and keeping your head up. It's a quick read and offers some really interesting information. The content of this article has really helped me gain some perspective on the recent market drop. It may be an over-simplified perspective on investing, and you may disagree with it. However, I think the core message remains true and could be reassuring to new or potential investors who might otherwise be scared off by the recent market declines. I'm sure it's been posted before, so sorry if this is an annoying repost. I just thought it might help somebody else out there like it helped me. :) [link] [comments]  |
| Girlfriend’s mom asked me to sign a “fake lease” Posted: 06 Feb 2018 02:49 PM PST Long story short, my girlfriend's mom is buying a 300k condo and is going to rent out her current duplex (which is really nice). She's asking me to sign a "fake lease" just to give a proof to the bank that they have someone ligned up to rent out the place so she can borrow money from them. However, I might end things with current girlfriend and I don't want to get fucked over because I signed a paper. And I don't want to say no in case I can figure something out with SO. [link] [comments]  |
| Heads up! Credit Karma's free tax filing service doesn't factor the Child Tax Credit. Posted: 06 Feb 2018 04:53 PM PST My wife used Credit Karma's free filing service this year and, after completing the filing process (and submitting), realized that it did not fill out a form 8812 (Child Tax Credit) on our submission. The wizard prompted for all the relevant information regarding children/dependants but, apparently, didn't use any of that information when filling. My wife contacted their customer service and the representative told us we could file an amendment to our submission and get the credit. She then told us that this is a "known issue" and it was due to the "high volume of users". This makes no sense but it is what it is. Thought anyone using Credit Karma's service should be aware. [link] [comments]  |
| My persistence paid off, quite literally Posted: 06 Feb 2018 09:04 AM PST Background: I am a graduate student earning my PhD in chemistry. At most research universities, PhD and masters candidates often work as teaching assistants (TAs) because your tuition is reimbursed, you get paid to teach, and you get dirt cheap health insurance. As you progress in getting your degree, your pay rate increases when you hit certain milestones, and there are 3 different salary tiers: Non-Doctoral: the lowest salary, which every new TA and all masters students earn Doctoral: only PhD candidates can earn this, which you achieve after taking a certain amount of credits from courses or research Dissertator: again, only PhD candidates can earn this after they complete all their coursework, and pass a major milestone in research, usually after 3 years. Now onto the story: At the end of May, 2017 I reached doctoral status by completing my required course work, or at least I thought I did...(more on that later). I spoke with our department accountant to get my status changed from non-doctoral to doctoral status. She gave me a contract for summer teaching, based on the new doctoral rate. Summer teaching is from July-August, but we get paid in August and September, essentially we get paid on the first of each month for the previous months work. So as I finished up teaching in the end of August I watched my paycheck in September to make sure I was getting paid the right amount. I ended up finding out I was getting paid based on the non-doctoral rate, instead of the doctoral rate I was supposed to be getting. I contacted the department accountant and explain the whole situation and she essentially tells me that pay changes don't take affect until the beginning of the fall or spring semester, and she made a mistake by giving me a contract that said I would get paid at the doctoral rate, when really that pay increase would not start until September 2017. I explain to her that this is a contract that both myself and the department chair signed and I don't think it's fair that I completed the work described in the contract, but you're saying "oops, I made a mistake, and we're not going to pay you because those contracts aren't legally binding." I became infuriated and walked out and decided I would find someone who could give me a better answer than, "we're not paying you." Over the past 5 months I have been speaking to my research advisor, the graduate student chairman, the woman in charge of all TAs in the department, and someone in the letters and sciences who is in charge of payroll for all science departments. No one has been able to help me, I keep getting the "I'll check into it" response, and no one actually does. Yesterday I contact another person who is the graduate student affairs coordinator, who is basically the go to person when there are issues with paychecks or benefits( I wish someone had told me about this person sooner). He promptly contacts the payroll/accountant in the chemistry department to have her figure this issue out. At this point I'm happy someone is actually looking into it, but at the same time I'm annoyed because it's woman who I originally talked to that said she wasn't going to pay me. This woman emails me and tell me to stop by her office this morning. I go in and we have a similar argument about the legality of this contract I signed. Trying to defend her position she's reads part of the contract; " by singing this you and the university are agreeing to fulfill what is outlined in this document." So she tells me "this an agreement and not a contract." I respond "I could write a contract, or an agreement, on a napkin and if you sign it and I sign it, it's a contract." I also ask her " so I'm required to fulfill my part of this contract, but the university isn't?" No response. At this point I'm getting angry again because, and correct me if I'm wrong, an agreement is a contract if the two parties sign their names to it. But she then transitions in to telling me that I actually reached the doctoral status at the end of the Fall 2016 semester, and I should have been paid at the doctoral status during the spring of 2017 AND the summer of 2017. So this whole argument about the mistake on the summer teaching contract is now a moot point because I should have achieved doctoral status in the beginning of the Spring 2017 semester, and I am owed for the pay difference, which equates to about $1800 that they now have to cut me a check for. So now, 5-6 months later I am finally getting the money I am owed. Tl;dr If you think you're in the right, don't ever give up when people pressure you to stop fighting. Keep persisting and hopefully you'll get what you are rightfully owed. [link] [comments]  |
| Work is offering to pay to relocate me, what should I know? Posted: 06 Feb 2018 12:28 PM PST Hi all - work has been very generous in an offer lately to pay to relocate me closer to the office. I spend at least 60+ hours a week in the office, and while my commute is 45 min door to door (some will probably laugh at this and say it's not that bad) the public transit system in Boston closes at midnight so there are times that I am forced to take an Uber from the office later at night. A shorter commute would greatly help my finances as well as just enable me to get in gym time and more sleep. So work has offered to help me out here with a bonus to break my lease and a salary increase to relocate closer to the office since they've been quite happy with my performance as of late. Are there any things I should be aware of during this phase? They are still piecing together a package for me, which is somewhat hard to scope out apartments until I know what I'm ultimately going to be getting for bonus & salary bump. I spoke with my landlord and can either break the lease for $3,000 or sublet with the responsibility of the lease still falling on me (i.e. if the subletter doesn't pay, I have to and/or I pay each month that there is no subletter) which is a maximum cost of $3,900 until the end of the current lease. The caveat of course, is finding a subletter will take more time than just walking away from the lease. I already was planning to move when my lease was up in September, due to having absolutely shitty roommates & personally wanting to live closer to the office. They know this and that's part of why they're willing to help expedite the process. I should add I'm by no means looking to switch companies. I truly love my job, my boss is incredible (I think as evident by this offer), and the company is undoubtedly going to be huge in the next couple of years. Any insights/advice would be greatly appreciated! [link] [comments]  |
| Is there any risk in having all your mutual funds through the same managers? Posted: 06 Feb 2018 03:49 PM PST I understand that asset diversity and allocation is very important. However, is there any risk or issues that could arise by having all your mutual funds through one manager? For example, my whole portfolio is Schwab managed mutual funds. This includes their S&P fund (SWPPX), Health Care fund (SWHFX), U.S. Large Cap (SWLGX), emerging markets (SFENX), etc... I like Schwab because of their low cost funds, online interface, and the overall simplicity of it. I guess my question is, regardless of diversification, is there a risk in having strictly Schwab funds? [link] [comments]  |
| IRS warns tax preparers about a new refund scam Posted: 06 Feb 2018 08:35 AM PST IRS warned about a new tax scam where people are using the people actual real data to file taxes, right down to the potential victims own bank account number. Will wait for refund to arrive then call saying the debt collectors for the IRS and have the victim forward the money to them. Source of data thought to be Tax Preparer offices [link] [comments]  |
| MIL[65f] says she wants our[31f/33m] help financially, please help Posted: 06 Feb 2018 08:32 AM PST MIL and FIL are separated (not legally, just currently living apart), and for the past few years MIL claims that she has not touched FIL's income at all and has used her own income to pay for the mortgage, her personal bills and house related bills, and she used FIL's income to pay his rent and apartment related bills. She will also not let FIL buy anything for himself (no new clothes, nothing for his apartment) he has to go through her and she will basically go to goodwill or finds stuff on facebook and gets that for him [link] [comments]  |
| Quicken Premiere Email saying they will not honor that 5 year free plan Posted: 06 Feb 2018 11:10 AM PST Guess that free 5 year Quicken Premier link was too good to be true after all. Just got this email: We are writing because a recent transaction you made on Quicken.com for $0 was an error. [link] [comments]  |
| Posted: 06 Feb 2018 11:53 AM PST Hello. I've been lurking and reading up on finance management for a few months now. My whole life up to this point, I really haven't paid any attention to my long-term finances. I know I no-longer want to live paycheck to paycheck, and I'm trying to find a better way to start managing my money efficiently and most importantly learn how to budget as I suck at not spending money. I've recently started a salary position and I net twice-monthly $1,200. I am currently around 5000 in debt. 2600 being my car, and 2400 being credit card debt. I would like to consolidate this. And my credit is god-awful. Score 497. My monthly bills (not including credit payments/food/gas/etc.) Add up to $1095 monthly. I know I don't make that much money. But I'd really like to start saving money and putting it into investment accounts. No matter how much I read up I still feel overwhelmed and I don't know where to start. Anyone give me some tips? [link] [comments]  |
| Update - Loaning money to a friend Posted: 06 Feb 2018 04:24 PM PST Hello. I originally posted asking for advice with regards to loaning money to a friend. In general the advice was to not do it, but a reasonable number of people suggesting to do it after signing a contact. Given the wide distribution in opinions and the relative frequency this must come up for other people I thought I would provide a quick update. View original post here: https://www.reddit.com/r/personalfinance/comments/6ofrug/loaning_money_to_a_friend/ Anyway, we went ahead and loaned the money at 0% interest and told the friend if they repaid the money early we would remove $200 from the repayment. We wanted to incentivize her to repay the money as quickly as possible without resulting to interest. We obtained a contract from Rocket lawyer which we both agreed upon and had it notarized. To this point all payments have been made and we are a single payment away to being fully repaid. I would suggest that if you have a friend in need consider following these steps. Of course everyone's situation is different and the major reason this worked out for us is that we loaned it to a responsible person. That being said I wanted to share the success story to perhaps inspire others to help friends in need. [link] [comments]  |
| I just reached my goal of having $10,000 saved. What are some ideas for investing part of that? Posted: 06 Feb 2018 09:20 AM PST I have $10,000 now saved (Not including ~$4,500 in my 403b for retirement). I am 25 years old, working full time and making about 45k a year. I will be attending graduate school this year though, so my income will decrease significantly for the next two years. My schooling is being paid for so that is not what I would be using this money for. This is all that I have saved, so I know I can't invest all of it as I still need an emergency/ vacation fund. I was thinking of using about $5,000 to invest but I have no idea how to begin. I don't want to use it for another retirement fund as I would like to be able to take the money out in maybe 5-7 years to contribute to buying a house with my husband. I hardly know anything about investments, stocks or bonds. I just know there is potential to have this money make me more money instead of just sitting there so I'd love any suggestions as to a smart way to start going about that. Let me know if there is any other information about my financial situation that would help your recommendation, Thanks! [link] [comments]  |
| Posted: 06 Feb 2018 06:16 PM PST I could set up a testamentary trust to receive assets from a mutual fund after my death and this is OK, except that a testamentary trust has to go through probate. This got me thinking about setting up a living trust and then naming that trust as a beneficiary of the mutual fund. My question is: Does the mutual fund have to already be included in the trust (meaning transferring the ownership of the fund to the trust) or can I keep the fund in my name and just name the trust as a beneficiary? [link] [comments]  |
| Posted: 06 Feb 2018 07:50 PM PST I will be relocating with my family (wife and 2 small kiddies) from the East Coast to Southeast Michigan in the coming months due to work. I have rented my whole adult life but would like to seize this as an opportunity to buy a home and take advantage of the low interest rates before they increase more. I'm the breadwinner of the family and my wife looks after the kids, keeping us from having to pay for child support. But, my income will be the means by which we get ourselves into a house. Thankfully, I've got a job I'm very satisfied with and don't anticipate leaving the company. And the company is paying to move us, so that's an expense I won't incur. In 2017, before tax, I made $110k and in 2018 I expect I'll make $120k pretax. As the years progress, my earnings should continue to climb at about $10k per year as long as I'm in good standing with my employer. Our cash savings total between $50-60k. This amount includes our emergency fund, $10k pulled from an IRA, and cash in savings accounts. I'm inclined to keep around $20k as an emergency fund/savings for post-closing expenses on the house. That would leave us with $30-40k available for loan downpayment. I won't be able to save up enough between now and summer to get anywhere close to 20% to avoid the PMI on the houses we're interested in. Scouting Zillow, Realtor.com and Trulia, and also having made a trip last month to SE Michigan to tour the neighborhoods, we're considering houses that fall between the $300k and $500k range, leaning toward the higher end for QOL purposes. Beyond $500k would put us into the territory of having to get a "Jumbo Loan" and that's a beast I don't want to touch! I spoke with a mortgage broker to get the pre-qual letter and after running some initial numbers they informed me my Credit Score is 800+. (yay!) But, before they issue me the pre-qual letter, they want to know what my target home cost amount is to put on the letter. Given I'll be making $120k+ per year, with at least $50k in cash on hand today, what is a responsible number to give the Broker? Should I go ahead and shoot for the moon ($500k) or hold my cards close ($300K)? [link] [comments]  |
| Getting kicked out of home at 19 in UAE Posted: 06 Feb 2018 07:05 AM PST Well, How do I say this. My family is more arab than an average american family due to the cultural influence here. My dad and I are not besties, we hate each other. My mom and I are the closest people in the world. Well, My dad is a seriously controlling and abusive father and recently I retoke my IB English HL exam for the third and last time (IB Rules) and my grade in literature wont go up. Now keep in mind I am already in my second year of university, but my dad calls me a failure and wants me out so I wont be a bad influence to my younger siblings (I am the oldest). Thing is I have no where to go, I got no money, no car (I have my license though) and literally the only things I have is my laptop and phone and if lucky I will have some clothes (Unless he claims its his because he bought it using his money, He kicked me out once for the night naked, but my mom refused and he got me one outfit for the cold dark night). Now I dont know what to do, For the past month I have been searching for a job and couldnt find anything. Everything is expensive here in the UAE and my only plan for now is to find a way back to California and I could get a job there and continue my education, I have a friend who lives with his aunt but may move out and we can share. But my issue is now. Please any help or advice. [link] [comments]  |
| Posted: 06 Feb 2018 05:55 PM PST I'm one of those people who has like three or four friends, but they're ride-or-die. I know I'm not supposed to tell my friends of a sudden windfall, but does that hold true if I already know about their finances? If I know that they (or at least their family) has millions and that they're not interested in my comparatively piddly bank account, is it still a bad idea to tell them? If someone's mom literally paid my college tuition for me can it still be a bad idea to tell that friend that I've come into money? Frankly I don't think this applies to me but there's only like four rules in the faq, one of them is don't tell anyone and another one is DON'T MESS UP. I know this should feel like a windfall or a lucky break but I about had a panic attack when the registered mail came yesterday and I've barely slept. I feel like I'm standing in a minefield and there's a 99% chance I'm going to fuck it all up. Like there's only one right path through and I'm going to mess it up and I won't have anyone to blame it on but me. I know I'm pathetic but honestly I'm just scared :( And my dad is dead too :( :( :( [link] [comments]  |
| Pay off more principal on my house or invest? Posted: 06 Feb 2018 10:36 AM PST I just came into $39,000, $25,000 of which is taxable (Washington State). I purchased my house back in March of 2017 at $220,000 with $20,000 down and an interest rate of around %3.625. Have no issues paying my current mortgage payment at all and am always on time. My question is, would it make more sense financially to use that money to pay off more principal on my house? Or take it to a financial advisor (my dad has one he recommended who handles his retirement account. My dad takes out $2000 a month for expenses, but the account has actually grown in size despite this over the last year and a half). I think another thing worth noting is that this is my "starter house" and I only plan on living here until 2022-2026 (depending on the market, which in this area has been extremely strong for sellers). Another thing to note is my mortgage is an FHA, meaning I am stuck paying PMI for a set amount of time, not up to a certain percentage paid off. EDIT: Also, I currently have around $25,000 in savings, so I have a nest egg to fall back on in case of emergencies that is separate from this. [link] [comments]  |
| Buying a home and starting a new life Posted: 06 Feb 2018 07:13 PM PST I could really use some sound advice with regards to an upcoming move and how best to address the impending finances. Here is a short summary: Been living abroad for a number of years. Will be returning to the U.S. (Georgia) to live and work. Have 100K to work with. Need to buy a house, cars, furnishings etc. Looking at homes in the 300K range so applying 20% to not pay PMI seems logical. That would leave 40Kish. Figuring 10K + 7K for 2 respectable used cars (cash). That leaves 20Kish. Need to get bare necessities for home and slowly fill it up over time moving from necessities to luxuries. Considering 15 year home loan vs 30. The 15 year is doable but tight. Take home pay before taxes will be around 120K. Zero debt, no credit cards, nothing! Am I missing anything? Advice or recommendations. Not interested in going into credit card debt or living above our means. Trying to be smart and do this right. Thanks for any help or advice.
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| My company is offering their own workman's comp package, free. Is this in my best interest? Posted: 06 Feb 2018 07:07 PM PST I am a truck driver that works around lead. Today, one of my managers called me in his office to view a mandatory video (basically a power point presentation) about the workman's comp package now being offered by our company. The video showcased some strong pros over our states workman's comp laws, such as bigger and instant payouts, accidental death coverage, loss of limb, etc. The video basically ended by saying if we agreed to take the package, we wave all rights to sue the company, we have to use their approved doctors and hospitals. At one point it said a summary packet could be requested for more info. After the video ended, I asked my manager what he did and he said that the foolish thing would be to refuse the package due to the length process it takes to go through the states workers comp. I asked for the info packet and he said, "sure thing, its 27 pages" I said ok and he went to go print it. He handed me the info packet and asked if I was gonna sign or not, I told him I had to review the packet. My manager's haste to get me to sign worries me. I'm sure he has a quota to hit with this thing and I don't blame him for doing his job, but I've got to watch out for me. I'm worried that if I get lead poisoning, or cancer or hurt in some terrible way that whatever they pay me won't be enough to pay my medical bills. That there would be nothing I can due to get proper compensation. What's worse is that if we don't want to take the package, we have to sign a form saying we refused it. I feel like they're separating us (my coworkers), showing the video and pressuring us to sign. I'm worried that they will look to fire anyone who signs the refusal forms. I know they cannot fire me for that reason specifically, but Ive always been told in my state that you can be fired for anything at any time. Advice? [link] [comments]  |
| My parents are in financial ruin Posted: 06 Feb 2018 04:19 PM PST Basically, my parents are 62+. They have no 401k. One of them is collecting social security. They have a home loan, two car loans, and a massive amount of credit card and student loan debt. North of 75k. They also currently owe the IRS a decent amount from some 1099 work they've done over the years. They are asking their children (I am the youngest of four) for help. We've always suspected they were scraping the bottom of the barrel but never to this extent. I am trying to convince both of them to go back to work to at the very least take on benefits. One of my sisters is a co-signer on a few of their loans so she is sweating bullets! I am going to be going over all the books with them in the very near future. It's a tender subject and their blatant irresponsibility has put our entire family's financial health in jeopardy. My question is two-fold:
Thank you for any advice you may offer. [link] [comments]  |
| What's your experience with Synchrony Financial? Posted: 06 Feb 2018 06:59 PM PST Over the weekend I signed up for a card to help my dad get no interest financing for new flooring for his house. When he asked me for help I didn't realize it was for a high interest credit card and signed up for it to get him the financing. Today for sh!ts & giggles I googled them and saw horror stories about them. So I want to know if anyone here has had any good or bad experience with them. Just to pre-empt the questiona: my dads credit is fine and he's in the middle of a HELOC application, but the 0% promotion was ending before he'd get approved. I do trust him to pay the bill too, so I'm not worried about that. [link] [comments]  |
| Is it crazy to move back to an apartment? Posted: 06 Feb 2018 12:53 PM PST I bought a house about 4 years ago with my wife. We now have a daughter and my wife decided to stay at home with her. Lately, we have been thinking about selling the house and renting an apartment for the next few years. We have multiple reasons for thinking about doing this but every time I talk to someone about it, they think we are crazy so I am starting to doubt myself. I am currently looking for jobs in my home country in Italy because I would like to move back in the near future (currently living in Florida). It's a long process and it may take months if not years before I find something worth the move. Selling the house will give us probably about 30k we can save for the future move. Also, 10 months lease apartments give us more flexibility and we can always sublet if I have have to leave quickly. We currently live in a pretty nice residential area but we are far from a lot of places. My wife thinks moving in a more central location will give her more things to do with my daughter during the day. Lastly, we may save a couple of hundreds by renting since I don't have to pay for lawn care and pest control. Our bills will also be less than what we are paying now. Having a pool and a gym will be also a nice addition. I know renting is kinda throwing your money away but I really like the idea that I don't have to worry about things breaking up all the time. Also, we miss having a smaller space. Keeping up with our house with our daughter is just very hard. Are we crazy? What are we missing? [link] [comments]  |
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