- Don’t go into debt and or rack up huge credit card bills in order to buy your friends and family gifts for the holidays. It’s not worth the anxiety, setback and stress going into the new year. Send a card, write a letter or make a phone call. As always it’s the thought, not the gift that counts.
- I’m a 34 yo Brazilian expat and currently have 300k USD in Dubai (where I’m living). What is the best country to keep the money, considering risk x return? Is it recommendable to keep in a bank account in countries like Switzerland or Luxembourg?
- I'm 35 and have never netted more than $16k USD a year. I'm about to take a job with a base salary of $100k, plus profit sharing and shares in the company. Feeling overwhelmed.
- Full-time Nanny in the US— 2nd Baby on the way, and a raise discussion is imminent
- Finances for my mom
- Tracking gains in 401k and IRA for taxes
- 22 years old, mom just bought me whole life insurance. I should cancel right?
- Wondering any tips for your younger self and I
- Paying off collections accounts
- Looking To Build My Credit
- I am new to the world of money, (16 y/o) I've read posts about what to do with money, how to save and dangers/risks of certian situations; yet I am unsure of what labor market to go in, what to invest in and how to retire. I feel out of depth with all this money talk, help.
- I owe probably 10 years of back taxes. What to do?
- About 25k$ debt, low earnings and helping parents.
- Student Loan Nightmare
- Getting a refund on a purchase done with a BOA credit card
- $200k in student loan debt, no 401k match. What to tackle first?
- I was told by a wealthy co-worker a month ago that I should have multiple and different revenue streams in order to retire early and make my money work best for me.... How?
- My ex-roommate caused 12k worth of apartment damage and now they want me to pay
- Paying off irs in full in person?
- My extremely stupid car-related financial mistakes.
- Parents filed taxes for me
- Question re: Traditional IRA Taxes
- Advice for personal finance books without the words "rich" or "wealthy" in the title?
- What is Temporary Credit Reversal?
| Posted: 22 Nov 2018 01:06 PM PST |
| Posted: 22 Nov 2018 06:04 AM PST |
| Posted: 22 Nov 2018 02:32 PM PST Long story short, I've worked in music almost my entire adult life. 2019 was shaping up to be a windfall year for me. I landed a film score that was going to pay more than I made in 2018. I also landed several TV projects that had large back end compensation. Wasn't getting rich, but it felt like my hard work was paying off. Then about a month of ago I was introduced to a friend of a friend, a guy who's been very successful in business. His gig is tech startups. He'd build them from the ground up with the intention of selling them - he enjoyed building companies, not running them. We hit it off, ended up grabbing lunch together nearly every day for 2 weeks. Eventually he asked me to come work with him on his newest startup, not as an employee, but as a partner. The thought of stepping away from music was hard, but his newest startup has a social impact that I am hugely interested in, and has the potential to do some real good in the world. It's also ahead of the curve and there are only a few other startups right now with a similar focus, though none of them operate on the scale he's structuring. So I took the job. I'm signing papers next Monday. It's actually been exciting for me, and I get to use just as much of my creative brain as I did with music. I will be heading up new product development, as well as branding and messaging for the time being. Mid January I get to hire 5 full time employees, most of whom will be assigned to the branding/messaging, while I put more focus on new products with our industrial designer. Living on the brink of poverty for the last 15 years has left me with bad money management skills, and also a heap of messes that need to be cleaned up.
These are my set monthly expenses:
I'm going to keep my studio space because I have an insanely good deal on it through a friend, and I will still be taking some jobs on the side as time allows. This was kind of pushed on me by my friend who hired me. He said it's important I keep doing that as much as I can, to keep my happy and working for him, haha. I want to save as much as possible. I have no doubt this venture will be hugely successful, but there is always the chance my heart aches being away from music and I can't do it for more than a few years. So I don't want to build a lifestyle around a salary I might not always have. I've been thinking about hiring someone to help me budget and set up my personal finances, but I have no idea how much that would cost and if it would be worth it for someone in my shoes. Any advice would be HUGELY appreciated!! [link] [comments]  |
| Full-time Nanny in the US— 2nd Baby on the way, and a raise discussion is imminent Posted: 22 Nov 2018 11:58 AM PST I'm a full-time nanny and started with a new family 6 months ago. They have one 2-year-old, but the mom recently became pregnant with a second. Currently, both parents work full-time, and I am usually in the home 45-50 hours a week. The mom mentioned to me that they'll be offering me a raise when Baby #2 comes, but that "we could talk about that as it gets closer." Currently, they pay $15/hour, $20/hour overtime. While in the home, I take care of the baby and do light housework during nap time. I'm unsure how much is considered a fair raise, and I want to go into the conversation prepared— otherwise, I'm the type to just say "sure that works" to whatever they offer. I also don't know yet if my hours will be shifted once the new baby is here, or if I'll continue working 45-50 hours weekly with two babies instead. Any advice or approach to this upcoming salary-related conversation would be much appreciated— thanks in advance, friends! [link] [comments]  |
| Posted: 22 Nov 2018 07:28 PM PST Hi guys, hope you all had a better thanksgiving than I did. Woke up this morning after coming home from university last night to pull my dad out of our hot tub and give him CPR. He didn't make it, we think it was a heart attack. Anyways, I will be fine, but I'm worried about my mom financially. She makes decent money, ~35k a year, and has a rental house bringing in extra every month as well as a couple hundred thousand from his life insurance policy. However without my dad's 85k/yr obviously things will have to change a little. They don't have any debt other than the house they live in (owe 200k on a 450ish thousand dollar home, the 180ish thousand dollar rental is paid off), as far as I know. They lived comfortably, but nothing extravagant. They do have a 30k medical bill from a lifeflight after his first heart attack summer of 2017 that he was working on making the insurance pay (they only covered 6,000 as that was the "normal rate they paid" or something like that). He had recently contacted a lawyer about it after going through the normal appeals process. We've picked a funeral home that seems reasonable and already have our plans for whatever cremation with no viewing they offer (that's what he wanted) and will take care of the celebration for life through our church. What are some things I have to consider financially, e.g. I know he had some money in his 401k and an IRA, what happens with that? He just turned 59 and my mom is about to turn the same age in April. Is there any kind of assistance we should know about? And kind of scams I need to know to help my mom avoid? We are all very close so she'll listen to me. And I'm sure there's so much I'm just not thinking of. It's not something I've ever dealt with before and it's so sudden I'm still in shock. Fyi this is in Oregon, Portland metro area if that's necessary. They've lived in this house for my entire life and my mom would really prefer to stay here, but has said she'll sell the house worst case scenario. I will graduate in Spring 2020 and should get a good job (engineering & economics double major getting straight As) so I should be able to take care of her then. It seems like i should definitely finish school since it will drastically raise my earning potential and I'm only an hour and a half away. What do I need to do reddit? [link] [comments]  |
| Tracking gains in 401k and IRA for taxes Posted: 22 Nov 2018 05:47 PM PST Hey all, Silly question, but I want to make sure I'm right about something. Over the years, I've moved an old 401k to an IRA, moved a Roth to a new provider, as well as made lots of trades within the accounts over the years for allocation purposes and some individual stocks I've liked. I didn't do a great job tracking all these trades over the years. Am I right in assuming this is OK, as withdrawals are taxed as income in retirement, and not the gains themselves. Is this correct? Thanks! [link] [comments]  |
| 22 years old, mom just bought me whole life insurance. I should cancel right? Posted: 22 Nov 2018 01:45 PM PST Hi there reddit PF! I'm a 22 year old graduate student trying to get my life together to become independent. While I was studying, my mom asked me to sign some papers and I did without looking at them (like I said, TRYING to get my life together). They turned out to be for whole life insurance and though I don't know much about it, just from madly searching this subreddit for the past hour I figure it's not something I need. The rate is ~$218/month for 10 or 20 years? Something like that... I can grab details after my shift. Off to work, but would really appreciate any advice. My mom's reasoning was that it's a "gift" to me so that I don't have to buy life insurance for myself when I start my own family and stuff down the road when it'll be more expensive as I'll be older and something about how you get interest on the amounts that you're paying. I'm leaning on the side of cancelling ASAP from what I've read, can someone confirm I'm doing the right thing? And Is there usually any cancellation policy; can I just say that I didn't know what I was signing up for? I also haven't been contacted yet about my health (smoking status/existing health conditions) so maybe I can cancel then? Thanks, will check and reply ASAP! [link] [comments]  |
| Wondering any tips for your younger self and I Posted: 22 Nov 2018 06:06 PM PST So my dad is generous enough to hire me working for him in a form of construction, and it's been great, after around 6 months on and off I went from 12/hr to 18/hr, and I'm grateful because he knows I was having money problems as a college student (only 200) in pocket per semester. But he always tells me to save at least gave of my paycheck for my future. What are some tips you guys would give in addition to this as an 18 year old working my way up making around $900-$1,044 a month week [link] [comments]  |
| Paying off collections accounts Posted: 22 Nov 2018 05:57 PM PST Hey r/personalfinance, I know this is discussed quite a bit but I can never find the proper information when I need it and forget to comment to save the information so I'm asking for myself and hopefully others again. I have two small collections accounts that I have the money to pay off. together they are under $1500 and I'm ready to have 0 negative marks on my credit. What would be the best way to go about paying these/negotiating/removing them from my credit and my life? I have already disputed them via creditkarma and they are going to stay unfortunately. Any and all advice would be appreciated. [link] [comments]  |
| Posted: 22 Nov 2018 02:49 PM PST I'm looking to build my credit but I dont know where to start. I dont have any credit right now, and I dont know how to start. What should I do to build my credit and how? Edit: I'm 21, M, unmarried. I live with my friend, who has a house and we have two other roommates helping with bills. I'm currently working at a pizza place as a delivery driver and I usually get about $800 a month in paychecks and maybe around $1000 in tips if weve been busy. [link] [comments]  |
| Posted: 22 Nov 2018 03:39 PM PST |
| I owe probably 10 years of back taxes. What to do? Posted: 22 Nov 2018 05:31 PM PST To keep the story short i was arrested for something that later got dropped. However I fell deep into deppression and alcoholism. During the time I couldnt work in my field as I lost my state occupational license while everything was going on. Became homeless for awhile. Now Im back on my feet but in a new country. Should i contact the IRS directly or should I try to find an attorney? I just want to get it cleared and caught up. During those 10 years about 3 years i had some income and others I was barley surviving off of loans from family and friends. [link] [comments]  |
| About 25k$ debt, low earnings and helping parents. Posted: 22 Nov 2018 01:04 PM PST Hello, I have a problem and I don't know what to do next. I have about 25k$ debt. It is really 100k PLN because I live in Poland. I have to pay monthly 270$. I earn about 550-600$ (thanks Poland). Living costs me rest of my money so at the end of month I have no money. I live with my gf so it's easier, but at the end of month we are without money. My dad has about 250k$ debt. He changed country but he can't afford that. He and my mom has no money always, probably sometimes even for food. My gf told that we should start working in Germany (earnings from 600$ to about 1800$ even working in magazine.) My gf currently earn about 700$ so she will earn about 1800 too. Then we can help them and pay for my debt. The problem is that I am little afraid of letting out my job. I am afraid that something can not be right and we will be totally without money. I am also speaking german on beginner level and nobody can want me to work with. I have two days to decide and bet everything to one card. Tell me what should I do? [link] [comments]  |
| Posted: 22 Nov 2018 08:11 AM PST I'm in an absolute student loan nightmare. I took out Parent Plus loans over 10 years ago for both of my kids for college. Unfortunately, life got in the way, and my husband passed away and both of my kids did not finish their education. It's the worst of both worlds - I am now owing about $120,000 and they didn't even finish school. My loans were in deferment for a long time until around a year ago when I worked out a plan with Nelnet for about $65 a month. I had to submit tax forms recently to be able to stay with the income driven plan. Based on my income tax, (they take the gross income), they have calculated that I now owe them $500 a month for something like 30 years. Since my husband passed, I have had terrible financial problems. I can't support myself, even with 2 jobs. I'm in overdraft for much of the month, struggle to pay rent, often just living off peanut butter. My credit is shot, I'm getting garnished by the IRS and owe everyone money. I've called several student loan services and they all just take a percentage of your gross income and come up with pretty much the same figure. Apparently, you can't go bankrupt on student loans either. The loan is in deferment now, raking up more interest, but it's waiting for me. I'm afraid they'll garnish me too or garnish my husband's social security that will start this summer. I desperately need that social security just to be able to live and pay rent. Any advice? [link] [comments]  |
| Getting a refund on a purchase done with a BOA credit card Posted: 22 Nov 2018 06:26 PM PST I recently bought my father a tag hueur watch as a gift. He didn't like the style and I found a better deal at another store. I was told I couldn't return anything from the Tag Heuer store only exchange. I wasn't told this until after he swiped my card. I am trying to do they return through the credit card company. I know AMEX does this but does anyone know if BOA does this as well? I have only heard they are looking into this so far. [link] [comments]  |
| $200k in student loan debt, no 401k match. What to tackle first? Posted: 22 Nov 2018 06:31 AM PST So I just graduated pharmacy school. $200k in debt. Job is 30hours guaranteed; 85k base. I can pick up extra shifts as offered to increase base pay (probably can get up to 100k). No 401k match for 1 year. Pharmacy job market is pretty bad. Raises are unheard of except for small COL increases Few opportunies for advancement and there aren't many jobs in major city centers at all. and I don't see myself in this field for more than 7 years. My question is in this volatile job market, should I tackle my $200k loans or invest into a no matching 401k. On one year she it starts matching, is it worth it to contribute? 5% match rate. 5.3-7.2% student loan interest rates [link] [comments]  |
| Posted: 22 Nov 2018 04:19 PM PST He's a nice guy who's 20 years older than me and has since left the company and has semi-retired at 55 years old. I didn't get the chance to ask what options and revenue streams he has access to so wanted to pick the brains of you lovely people! A bit about me; I'm 35, from the UK and have worked non stop since I was 15 years old in various roles (kitchen porter, call centre agent, retail manager, recruitment). I grew up poor from a working class background and believe I'm quite thrifty with money which has helped me get one house (£115k mortgage) that I live in, as well as an investment house (also £115K mortgage outstanding) that I rent out and gain £300 a month in profit from. The 230K in mortgages is the only debt I have. I don't have any pension pot (instead of opting into a pension I saved up my money to invest in my rental property) I've studied business management at university and have just paid off that debt this month (yaaaay!). Since I graduated in 2009, the year of the credit crisis/recession, I've worked my socks off in recruitment (it was one of the only jobs available at the time), made a lot of bonus/commission and got promoted. Currently earning roughly 50K a year (including bonus). Whilst I hate the job it has put me in the lucky position of having 2 houses + 20K in savings So, I understand why I should have different revenue streams but not sure how to go about getting more and what revenues world be the best bet. Apart from my salary, I'm making £300 profit from rented accommodation from property but not sure what other ways that I can best use my current and future savings to get more revenue streams? Any advice? [link] [comments]  |
| My ex-roommate caused 12k worth of apartment damage and now they want me to pay Posted: 22 Nov 2018 07:54 PM PST About two years ago I moved into an apartment with a friend and we both got on the same lease. Near the end of our term he was driving his mom's car, which he was not insured for, and crashed into the closing overhead gate to the parking garage. He maintained that it closed on him despite video evidence. The gate was broken and the apartment hired a guard in the time between the incident and the replacement, about a month or two. Before the lease ended, I did everything to talk to the leasing office about getting out of the lease to no avail. Afterwards, we got our final bill that included the basic things you'd expect, a small fee for carpet damage and $5,000 for the gate and $6,000 for the guard. I began getting calls from collections. My ex roommate was not answering their calls. This went on for about six months when my roommate finally began answering- to say he wasn't going to pay that amount. It's now showing up on my credit report and I don't know what to do. Do I have any options? [link] [comments]  |
| Paying off irs in full in person? Posted: 22 Nov 2018 07:44 PM PST Hi, I'm in escrow and need to pay off my irs balance in order to close. Our broker recommended going into an irs office so we don't have to wait for the electronic system to update and post the payment. If I pay at a local IRS office will they provide me with a formal pay off statement or receipt that would prove payoff for mortgage? I'm planning on doing a cashier check. Thanks! [link] [comments]  |
| My extremely stupid car-related financial mistakes. Posted: 22 Nov 2018 12:22 PM PST Okay, I'm normally not stupid, but putting a ton of money into the pockets of an 18 year old who has never seen money before results in, well, what I did. I'm revealing this so hopefully nobody else screws up as badly as I did. So, I joined the military, got an enlistment bonus, and saved up for 5 months during BCT and AIT. At this point I had 5 figures in my then checking account. I was an 18 year old that had never seen money before. My parents were poor, living paycheck to paycheck, and basically nobody ever taught me about money. Wanna guess what I did? I looked online at every used car for sale in the Anchorage area within 50 miles. Dealer and private party. (Mistake #1, looking for a used car at dealerships) I picked out 3 cars that I wanted to drive. I got my buddy to take me after work one day. (Mistake #2, looking at the most expensive car first). "Surely I'm not going to buy this car, it costs everything I have, I'm just looking for reference." Yeah right. I arrive at the dealership, test drive the car, pretend like I know what I'm doing (which I sure as hell didn't) and sit down with the seller. Keep in mind this was a rinky dink small used car lot. In Anchorage, Alaska. We start talking price. I tell him I can't afford the car, so I had to go see about getting a loan. (Whew, I made it out of there! ... but wait) So I didn't get approved for the loan. I called the seller the next day, and said, I can pay cash for the car, but not for the price you're asking. He replies, what price were you thinking? They were asking 9995 on a 2011 subaru impreza outback sport, 5 speed, with 120k miles. This was 02/18. It had issues. It had issues that I knew about, and some that I didn't. I offered them 9300 cash. They said deal. I got over there, handed them the cash, did the paperwork, and drove off. They were kind enough to fix my dead headlight, but they managed to put 40 more miles on the car after I test drive it, dried the gas tank to almost nothing (it was pointing well below the E mark, the stupid car had 5 miles worth of gas left in it), and put a massive crack in the windshield from the time I drove it to the time I bought it. I assumed the car was exactly the same as I had left it, so I didn't check it out before I bought it. (Mistake #3, not reviewing the car immediately before purchase). (Mistake #4, paying CASH for a DEALERSHIP car) (Mistake #5, not having the car professionally inspected for defects) (Mistake #6 only test driving one car) (Mistake #7, buying a car that had KNOWN) problems.) Within a few days, the hidden problems had surfaced. The passenger side seat belt was not secured. It had been ripped out, and somehow unfed through loop thing. The accessory belt cracked, and it squealed so loud you could hear it for several hundred yards. The transmission synchros were worn slap out. And there was rust, everywhere. Rear lower control arms were BENT. Front alignment was badly off. The tires were worn so unevenly the outsides were like new tires and the insides were bald. There's stuff I'm leaving out, I just can't list it all. This car cost me an additional 1650 just to get it in reasonable condition. That didn't even fix everything, just the seatbelt, accessory belt, and alignment. I drove this car 900 miles in 5 months. Mistake #8, Buying a second car. I just happened to see a 1987 jeep cherokee for sale. Asking 1500 for it. I thought, sweet, its a cool car, i might as well buy it. I called the seller. I asked if it had issues, he said it had a shimmy at 50 mph. (That is an instant hang up the phone and delete seller's number.) I still agree to meet the man to see the car. (Again, I pursue a car that has KNOWN issues. I already have a car, so like, wtf do I need another one, do I just like spending money?!?) I meet the seller, drive the truck in the parking lot only. (Mistake #9, meeting in an unfamilar area, Mistake # 10, not test driving the car far enough or fast enough) I see the battery light is on but, and this is my exact thought: "It's an old car, probably just a glitch". The car has a brand new battery, brand new battery cables, and the seller says " it used to keep dying on me while driving it, so I replaced the Crankshaft position sensor, and it hasn't done it since." The jeep has other minor issues too, but I couldn't resist it, so I offered him 1300 for it. I go to the bank to get the cash, and they don't want to give it to me. They closed in 5 minutes. I didn't buy the jeep that day. I got out of this one too, but wait. Next day however, I call the seller and tell him I have cash and ready to buy the jeep. He drives it to me, I buy it and his wife drives them away. So I drive the jeep around for a couple days, keep in mind I put 300 into it for registration, title, fees, etc. about 2 blocks from where I live it dies on me. After some investigation, I discovered the alternator was the culprit. I panic, decide I don't need or want the jeep, and I put it up for sale on craigslist. I got my 300 back within 4 hours, after I recharged the battery. I told the buyer the alternator was "going out" but he was happy with the price so he bought it from me. 6 hours later I get a text from him saying it died on him like 4 miles from home. I told him check the alternator. What's funny is I see the stupid thing at the library, just sitting the parking lot. It hasn't moved since it died on him. Had it for 6 days in 06/18, drove it maybe 100 miles. Like 30 of that was back and forth from the dmv. So, its 07/18. I'm 19 and ready for my first new car. (And CERTAINLY last) Or so I thought. I'm staying up til midnight looking for the right car and how to get a good deal. I'm sick of my 2011 subaru, I have a bad taste in my mouth for used cars, so I consider getting a new one. I randomly see this 35 dollar test drive offer at my subaru dealership, so I say, I'll start there. So, I go down to subaru, test drive the cheapest new impreza they had in stock, and sit down with the salesman. I tell him I have 1500 I can put down on the car, and I want to lease it. They want me to put 3000 down, so I say no thanks, get my 35 dollars and leave. I got out if this one, too, oh wait. So I go home, think about how much I hate my car, and wonder "how much can I get for trade in?" I look it up. Kbb says 4400 low end. My car was definitely low end. I go back later that same day, and say I want to trade in my car the one I drove earlier. They offered me 3100. I asked if it was negotiable. They said no. So they asked if I wanted to run the numbers, I said sure why not. They got me approved, set the contract in front of me and asked what I wanted to do. Like an idiot, I agree to this abominable deal on a 2018 impreza. My thoughts were "I wouldn't still be here if this wasn't what I wanted to do." Mistake #11, I traded in a car to a dealership that had equity, and that I could have sold myself for way more with not that much effort. Mistake #12, I leased a car. Mistake #13 I got involved with a new car. Mistake #14 I agreed to pay MSRP for a new car. No one pays pays MSRP except idiots who Mistake #15 didn't read the contract. Mistake #16, I didn't sleep on the decision. Mistake #17 I only test drove one car, I let the salesman convince me that there was not a better car or a better price out there. I still drive this new impreza to this day, and the only good thing is that thanks to my trade in, my monthly payment is quite low. You'd think that after all this, I would have learned my lesson. But no. This guy I knew was leaving Alaska and asked me I wanted to buy his car. I said no. I then proceeded to think about it more. I decided I wanted it. Almost got out of that one. I talk to him, tell him I'm interested, make an offer before driving the car, drive it like a half mile, and go to the bank to get the money to buy the car. Its a 2006 lincoln zephyr with 152k miles. The bank says they can't help me since I'm not one of their customers. I should have stopped there and said "sorry dude but I can't give you cash, guess I'm not your buyer, thanks though" but no. You know what I did? I went out of my way to get the cash. I took me 2 hours and 3 stores to western union the 3000 I offered to buy the car for. I didn't have balls to say, " dude I'm not paying 3000 like I promised, but I think its worth 2000 instead, is that a deal?" No. I gave him way more than the car was worth, and 3 weeks later the starter went out. JFC. I ended finding sonebody who would buy it from me for 2600 ... I managed to put maybe 500 miles on it. Although, 100 of that was dmv related and driving around showing the car to buyers. Please, don't screw up like me. [link] [comments]  |
| Posted: 22 Nov 2018 11:09 AM PST My father filed my taxes for my in 2015 with out my knowledge, so in 2016 I could not file my taxes since I did not have the amount I received last year or any of my tax information and he refused to give it to me. Now I'm getting in trouble for not filling that year what should I do [link] [comments]  |
| Question re: Traditional IRA Taxes Posted: 22 Nov 2018 05:44 PM PST My employer has no option to directly deposit pre-tax funds to a traditional IRA. I assume this is possible with other employers, but maybe that's a misconception, in which case this post is moot. How do I go about regaining the taxes on my contribution? Is this something I can do retroactively, or did I make a mistake by contributing post-tax funds? If it is something I can do retroactively, can I do it through TurboTax (or a similar service), or would I need to hire an accountant? It's my first time contributing to an IRA btw (down 8% since I first made the maximum tax deductible contribution 2 months ago--woohoo!). Apologies if this is not the appropriate thread for this question. [link] [comments]  |
| Advice for personal finance books without the words "rich" or "wealthy" in the title? Posted: 22 Nov 2018 05:29 PM PST Hi, I am looking for advice on a personal finance book that I can go through with my husband that teaches a wide range of personal finance topics. I am really put off by ones that seem to start out with the focus on being rich. Something about that as the lead-up just reads as obnoxious to me. I took a personal finance class in college, so it feels like a review for me. My husband never did, so a lot of the information would be new to him. We are wanting to go through something together so we are sure we are both operating with the same information. We are starting from a pretty ok place, no debt, some savings, but want to make better choices and be more confident as our financial lives get more complicated. Any recommendations? [link] [comments]  |
| What is Temporary Credit Reversal? Posted: 22 Nov 2018 05:00 PM PST I found that on Nov.21 my boa account lost $300 and it showed that it was a transaction about "Temporary Credit Reversal". I really have no idea about what it is. [link] [comments]  |
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