Personal Finance I have full custody of my son but my ex-wife filed her taxes before me and claimed him as a dependent |
- I have full custody of my son but my ex-wife filed her taxes before me and claimed him as a dependent
- Found out the hard way my credit report means more than just purchases
- Easy way to save a few bucks - buy your own home internet modem
- You don't have to consent to Credit Karma's data sharing agreement to use it's free online tax preparation and filing.
- Went to ER and was billed $6,320. Asked for assistance and received 20% off. Just wanted to share it's possible.
- 26 yo with lots of questions
- My gambling nightmare - I lost all of my savings, my 401k, quit my job, my families trust, and basically everything. Looking for advice on how to move forward
- Hit 10k emergency fund today (yay!) What's next?
- I was billed nearly 250 dollars more at the dentist than I was expecting—Are they not required to write off funds the insurance considers overpriced?
- I'm an engineer making $65,000 per year. My father recently passed and left me $100,000. I have maxed my 401k contributions. I have $50,000 in federal student loan debt. I spend about $35,000 per year. What is the best way to invest/use this money?
- Today's Phones
- 19 yr old preparing to move out. Did I miss anything?
- Sister (22) has a spending problem and a windfall coming up. What can we do to ensure that she can't blow through it?
- Did I screw over my parents by filing my taxes?
- Max 401K vs Taxable
- My younger brother has a kid with an ex-girlfriend he doesn't interact with and doesn't currently pay support for and am wanting to help him prepare for what comes next.
- My mother tried to take a loan out with my name as guarantor, without my permission
- Job applications asking for desired salary
- Is it a good idea to get a loan for house renovations? Sell?
- A update on a ex roomate situation
- IRS Interest rates remain the same for the second quarter of 2019
- What’s the best financial vehicle to leave money to kids?
- How to Ensure a Better Future For Myself?
- HELP NYU Langone Hospital bill and debt collection agency
| Posted: 26 Feb 2019 06:22 AM PST I've been divorced for four years. For the first three we had shared custody and she claimed him as a dependent and I filed as Head of Household. Last year she [45F] and my son [14M] weren't getting along. We went to court in March 2018 and she voluntarily gave up custody of him. Even when we had shared custody he always spent more time with me, but I now have full custody. She still lives in the same town as us but he hasn't spent a single day with his mother since January 2018. I cover all of his costs, provide his health insurance, and she even pays me a nominal amount of child support (which, out of kindness to her, I agreed to have it be a smaller amount than what the state formula said it should be.) Our court filings declare:
Last night I used TurboTax, as usual, to e-file my taxes they got rejected. I got this message: R0000-507-1 - A dependent on your return has already been claimed on another return. I texted my ex-wife about it. She said that she did file her taxes with him as her dependent and that she thought I was going to file as head of household again. I'm a bit incredulous at this point. Did she forget the fact that we went to court, that she gave up custody, and has practically nothing to do with her only child anymore?! So, what do I do now? Do I have to force her to file an amended return? She always files her taxes really early so what do I do if she already received a tax return? Will I still be able to e-file or will I have to get a lawyer or an accountant involved? Is this a big enough red flag that now we're going to get audited or something? I'm a bit incredulous, more than a little annoyed, and have no idea how to even start trying to handle a situation like this. Any advice would be greatly appreciated! Update:I sent her a photo of the court document where it said I got to claim him as dependent and told her that she needed to refile her tax return. Her response was "If you figure out what the difference would be if you filed with him as a dependent I'll write you a check for the difference" I suppose that would be the easiest solution, but it pisses me off to shift the burden of fixing this onto me. It's certainly easier for her, but I'd be the one who has to do the work to make up for her being thoughtless. Going to court or paper filing and making the IRS sort it out would delay the whole process, probably be a red flag on my account, and delay me getting my tax return money for a long time until they get it sorted out. Not sure if I should go the "easy" route and just redo my return without him as a dependent and make her pay me. Our relationship has improved to the point that we're still very distant but at least we're no longer hostile toward each other, which I feel is better for our son. I'm concerned that if I go after her and make a fight out of it then things will sour again and that isn't good for any of us. I've wanted her to still be in his life in some way and don't want to kill any of the progress that's been made lately. [link] [comments]  |
| Found out the hard way my credit report means more than just purchases Posted: 26 Feb 2019 04:28 PM PST I got turned down on a life changing job opportunity because they didn't like my credit report. Let this be a reminder for everyone even if you don't care about big purchases on credit, your credit report can still matter! [link] [comments]  |
| Easy way to save a few bucks - buy your own home internet modem Posted: 26 Feb 2019 07:16 AM PST For the frugal amongst us, here's a quick and easy way to save a few bucks. Buy your own internet modem/router. Most ISPs will have a built in monthly rental fee for using their equipment - that box they give you when you sign up, and it provides wifi around your house. I was surprised to learn I was spending $14ish a month on the equipment rental, which can easily be purchased online. Typically ISPs provide modem/router all-in-one units, meaning you don't need to have a separate router for wifi. These can be bought for as little as $70ish. I opted to buy a standalone modem and separate router in order to future-proof my setup, but this isn't necessary. That is, I bought better-than-average modem (Netgear CM 1000 (DOCSIS 3.1, 32x8) $160) and a simple dual band router (Netgear Nighthawk 6700 $68). All in this cost me $230ish upfront, but I should be set for foreseeable future. If anything, I may need to upgrade the router a few years down the road. This setup will pay itself off in a 1.5 years. I am sure as a trout that I'll be purchasing internet in 1.5 years, so anything after that is just savings. This setup is also superior to what I was renting from Xfinity. Though there wasn't noticeable differences in internet speed, the separate router has increased the range of the wifi in my apartment. Also, if I suddenly decide I want to increase the bandwidth I'm paying for, there should be noticeable speed differences, but that's beside the point I'm trying to make regarding savings. Few tips - make sure that the modem you buy is compatible with your ISP - this is very simple to do, usually a quick call to your ISP will solve it, or you can just log in to your ISP website to see if your potential new equipment is compatible. Often times it even just says it on the Amazon description. Also, for a router - make sure you get dual band. Don't pay needless fees! Hope this can help someone else! At last, I'm sure i'm going to be flamed with techies criticizing the setup, but not really interested in hearing how I can ABSOLUTELY OPTIMIZE my home internet - please take this at face value about how to potentially save a few bucks, based on your equipment rental expense. [link] [comments]  |
| Posted: 26 Feb 2019 01:44 PM PST There's a TOS agreement at the beginning that gives them rights to use the tax data you fill out until 2028, but the second paragraph says they can't make agreement to the terms a condition of their service. If you click the sync options button below the agree button and un-check the sync feature, you don't have to agree to letting them market your data for a decade. [link] [comments]  |
| Posted: 26 Feb 2019 05:06 PM PST Went to the ER and received a massive bill for some basic shit. I ignored a couple of their statements they sent out until I received a call from the hospitals billing department. They told me either I can pay it now or the bill will be sent to collections. I told her I couldn't afford to pay it. She then told me I can spread the payment over the course of 12 months interest free. I asked her if there's anything else she can do. She then told me she can offer me a "prompt payment" discount. IN other words 20% off if I paid the bill over the phone, right away, right there. Saved about a thousand bucks. I took that instead. Just wanted to share it's possible to get a discount on your hospital bills. [link] [comments]  |
| Posted: 26 Feb 2019 02:03 PM PST I am currently going through a divorce after being with the same guy for over 8 years and need to figure out my finances. 401k: ~110k I recently lowered my contribution to 18% of my salary (from 25%), and my company matches 10% after that. Roth IRA: 25k I plan to continue maxing that each year. Cash savings: 10k No debt aside from a mortgage but my ex and I are selling the house and will come out with a decent profit. Being newly on my own, I will be spending more in just day to day life. I have what I think is ok in cash for now and when we sell our house in June/July I will come out with another ~45k. Rent is expensive where I am and I work remotely so I could take that money and buy a house in a low COL area if I wanted. OR I could do something like an FHA loan, buy an expensive property like a multifamily, live in it and rent out most of it. I know that will be a lot of work and is riskier but I'm trying to stay focused on FIRE and the thought sounds appealing. I just have no idea where I should live/buy in that case. Or where I should buy if I do the other option either. Maybe NC/TN? Cheaper housing with lots of nature which sounds nice. I'm just feeling really lost and I'm not sure where I want to live or what I want to do. What would you say is the best thing to do in my position? Wherever I go, I do plan to make a few trips there and scope out the areas so it won't be too much of a shock. My parents have never been good with finances and say not to worry and blow the money on trips or a new car and that just isn't me, so I have nobody IRL to talk about this to. Salary is ~76k (just got a raise from a 71k salary and it hasn't even shown in my paycheck yet), and I work 4 hrs of overtime a week which comes out to ~84k pretax if I do it all year. I would like to not rely on OT time because it won't always be available. I know I will need to buy a car at some point but I'm going to attempt to live without one for now. I have a 6 month lease in a walkable city and I think I'll be okay without it for the time being even though it isn't ideal. Although the reason I wanted to live here at all is for all of the nearby nature and without a car it will be hard to enjoy any of that. I've also never lived without a car so this is new territory for me. What I believe my monthly expenses will be: Rent: $1300 Pets: $200 (2 cats with insurance plans-- this includes that and their food/litter) Phone: $40 Food: $400? I haven't figured out what a decent idea for food spending is Uber (assuming I don't buy a car): $200? Entertainment (Spotify, Netflix, going out, drinks, etc.): $500? Credit card annual fees work out to about $70/month. I will look into closing a couple cards but the benefits for most of them honestly outweigh the cost. I travel a lot and get a $300 credit/year, priority pass, global entry/tsa precheck, a free hotel night with IHG, free hotel night with Marriott, and some other things I'm probably not thinking of. This is will sound stupid but botox will be about $30/month ($120 every 4 months). It's important to me and I cheap out on mostly everything else so I want to spend this. My take home is $3880 after taxes and 401k contribution (on the 71k salary, idk yet with the raise) . So... that's about ~$1140 left after everything. It will be a little more with my new salary but I also haven't budgeted strictly before so I'm still figuring out costs. $5500 a year will go towards the Roth IRA, so that's an annual cash savings of a little over 8k. I know I will end up buying a car in the future too so instead of a $200 uber monthly fee, it will be more like $500 with a car payment and car insurance. So my questions:
Thanks for reading if you've made it this far. [link] [comments]  |
| Posted: 26 Feb 2019 12:04 PM PST Background: I'll keep this short and as little emotionally dependent as possible. I did everything right, started saving for retirement at 22, amassed a savings of about ~$200k by the time I was in my late 20s, no debt, >800 credit, diversified stock portfolio, index funds, and had a 6 figure job. I discovered margin trading and investments on the side when I was bored with my job. I got hooked into making my bi-weekly paycheck on trades that I would pull off in an hour. I started taking big positions. $5k, $10k, $20k, over the course of a few months I made 7 figures. I quit my job shortly after. And then I stopped winning - I often realize that my first win was my last win. I held onto positions that depreciated signifanctly, chased losses, and worst off took money from a joint account to pay for rent/expenses while I was unemployed. Well, my positions all bled and I found myself in a situation where I needed to repay the amount of money in the joint account, having been in a $50k deficit, I cashed out my 401k. I cried that day. My retirement gone. It was then I knew I was in a very serious situation. So here I am now, after >8 months of unemployment, losing my life savings, retirement, I'm in the hole about $10k. I also have $3.5k credit card debt and I recently got offered a job paying $90k a year, though it wasn't the line of work I wanted to do. I figured I would bite the bullet until I found something better. Just looking for some advice here..the lies and deceit of gambling along with destroying my foundation have made it difficult to see a light at the end of the tunnel. I obviously want to pay back my debts and get that over with, but I cant help feeling Im significantly behind in life now. FWIW I will be 29 in 6 months. [link] [comments]  |
| Hit 10k emergency fund today (yay!) What's next? Posted: 26 Feb 2019 10:06 AM PST Some stats about me: 23, US 0 debt, 0 kids, No degree Recently got promoted at my 11 month old job to ~73k per year In total, Mint shows my net worth as about 17k with my 453b plan included Before this, my net income was probably about 600 dollars a month. I moved out when I was 19 and survived on shit jobs and college aid, but had to drop out of junior college to pursue this job. Some questions come to mind now that my only clear goal has been satisfied with this 10k emergency account balance: Currently, this money is split down the middle in two seperate savings accounts at two seperate credit unions, my plan was to open a savings account with Ally and stick it in there as I make essentially 0 interest at the moment. Is this liquid enough? At this job I have a 457b plan. I am currently at 6% pretax which my employer matches 100%. Should I increase this or look into a roth IRA? Most heavy on me though, should I go back to college? Some people in my life ask why I'd want to go back to school considering I have a decent job in a field that I wanted in the first place (IT/Programming). But I was really deadset on being the first person in my family to have a BA. But as I mentioned earlier I doubt I'd receive any more help with school financially with my increase in income. Is the cost worth it? Especially considering I had planned on obtaining a BA in philosophy? Any suggestions would be appreciated. Edit: formatting, spelling [link] [comments]  |
| Posted: 26 Feb 2019 04:45 PM PST I was billed nearly 250 dollars more at the dentists than I was expecting—Are they not required to write off funds the insurance considers overpriced? So I recently had a cleaning, xrays, 4 fillings and a root canal/crown done at the dentist. When I had the cleaning and xrays done, my insurance was not billed by mistake, and so I paid for this in full (totaling 207 dollars). Some months later, my insurance was finally billed due to me catching this error, and they paid 484 (no idea why they paid so much more), leaving me with a credit on my account at the dentists office of 484 since they hadn't refunded me the 207 I paid initially(keep this in mind). For the remaining procedures, the full price (without insurance) is: Fillings: 196 each or 784 total. Root canal: 793 Post: 222 My insurance covers 80% of the root canal and fillings and 60% of the post and crown. I was told by my dentists office they do not cover the lab fee. I received my EOB from my insurance indicating they would only recognize (considered charge) a portion of the above fees, so they ended up paying the following amount for each: Fillings: 305.60 total (due to a 50 dollar deductible) Due to their considered charge, the EOB stated I owed 902.60, but because the insurance didn't technically pay the full 80% and 60% of these procedures (even though my dentist billed them nearly double than actual price for each procedure) there are some leftover costs that I was under the impression my dentist had to write off (this is probably where I'm wrong). Assuming I listen to the EOB though, I owe 902.60 + 300 lab fee = 1202.60 After my first appointment, I had paid half of the estimated total, which came out to be 523. So I walked into the office today to get my crown fitted and expected to pay: 1202.60-523 (I paid already) - 484 (credit we talked about earlier) = 195.60 But today, for the last half of my bill, I was told I still owed 441.60. How can these numbers be so far off? I'm confused and disappointed seeing as I ended up having to pay almost 250 more than I was expecting. I wouldn't normally be so skeptical, but as I mentioned in the beginning, my dentist screwed up before and didn't even bill the insurance I gave her because she thought they weren't in network when in fact they were. So now I'm cynical and don't trust her. [link] [comments]  |
| Posted: 26 Feb 2019 01:10 PM PST |
| Posted: 26 Feb 2019 01:00 PM PST Am I the only one that remembers back in the day when you bought a phone, with a plan, the phone carrier would carry 80% of the cost, if you signed a new (or renewed) 2 year contact with them? So basically every 2 years you would get a new phone for like $50-$100. Now it seems like, they don't do that anymore and phones are getting ridiculously expensive. I've been with my phone carrier for 3 years now and have not got a new phone through them. I want to by the S10, but it's $900 and with their "three" year monthly plan, i'm paying the full price anyway. What gives, and what's stopping me from buying unlocked at retail? [link] [comments]  |
| 19 yr old preparing to move out. Did I miss anything? Posted: 26 Feb 2019 01:08 AM PST I work a sales job that pays $11 per hour for forty seven hours per week plus a commission. I have a used car bought from owner, so no monthly payments. The image is a screen capture of a budget I came up with after living with my parents. Along with having to put away money for bills, I tracked how much I'd spend on food, toiletries, etc. To explain a bit further:
EDIT: There seems to have been a misunderstanding. I'm not moving out until I've saved up at least $10k to make sure I can 1, buy everything I'll need to make the house livable, and 2, have money to pay bills if I, by some of the worst luck ever, lose my job. It's also a possibility to find a tiny studio apartment for 400 - 500, which would be a challenge as relates to music but not entirely unbearable. [link] [comments]  |
| Posted: 26 Feb 2019 04:45 PM PST My sister has issues with impulsive spending. We just recently discovered that she blew a ~30k windfall (life insurance payout) in 6 months on random shit. There will be an additional amount of money available to her soon, per a will. She knows she has a problem. Apart from therapy, I was thinking of convincing her to put this upcoming amount in a spendthrift trust, but does anyone else have any other ideas? [link] [comments]  |
| Did I screw over my parents by filing my taxes? Posted: 26 Feb 2019 03:10 PM PST Background: I am a 22 y/o college student. This past summer I had an internship and had a decent income. I got my W-2, and quickly filed my state and federal tax returns. I waited a couple weeks for my refund, got it, and moved on. Earlier today, I got a call from my very pissed off parents saying that they can't claim me now, and instead of receiving money they actually have to pay money. They said they would have to pay almost 5x the amount that I got. I didn't file to spite my parents, I just thought it was something everyone does. This was my first time filing my taxes, and I would gladly pay the refund back if my parents got more. I filed as single, and checked the box that someone can claim me as a dependent. I didn't file my 1098-t which is the tax form for college payments. Are my parents misinformed? Or did I screw up, and if so, is it reversible? Update: I think my parents were misinformed. They saw my bank statement that I received money from the IRS and that's how they knew I filed my taxes. They haven't submitted them yet, and they're talking to a tax preparer next week. The dependent box is for sure checked, so I think it will be okay. Thanks for the help. My parents just jumped the gun and in turn made me freak out [link] [comments]  |
| Posted: 26 Feb 2019 04:49 PM PST Hello All, I'm trying to determine what would be best in my situation. In 2018 I maxed my 401K and had plans of doing the same in 2019. I am very interested in FIRE around 40-50 so maxing my 401K is very attractive to me, but I am unsure of how to proceed. I'm currently in a position to save 50% or more of my income as I temporarily have little to no living expenses. I plan on getting married and buying a house in the next 2-3 years. We will also have all of the expenses that go along with a first home purchase such as appliances and furniture. I would also like to buy a nicer car in the next few years but it is not nearly as high on my priority list. Am I better off to continue maxing my Roth 401K and take a withdraw/loan to buy a house or investing taxable in a Vanguard/T Rowe/TD Ameritrade account. Age: Lower 20s My wage: $50,000 base pay + 6-9% bonus Low cost of living area. Projected household income after marriage: $110,000+ (Should increase rapidly after this for a year or two as I'm getting a Bachelors in computer science) Estimated house price: $150-250K Thank you! [link] [comments]  |
| Posted: 26 Feb 2019 06:00 PM PST 3 years ago my 28 year old brother was dating a 20 year old and she got pregnant. They had the kid and took care of it but then she had some issues and ended up leaving with the kid. For various reasons my brother decided his best way to cope with it was to just not be a part of the kid's life (don't get me started) so he doesn't have any contact with the baby or ex gf. She didn't ask him for support, though the car she is driving he bought and put on his credit card (don't get me started on that either). So the only support he has given her since she left is paying off his credit card for her car... Well I hear she has filed for government assistance which I think means they'll start wanting to garnish my brother's wages for support. He works at a mall retail store so doesn't make much. He said he'll pay when he knows what but I'm afraid that him not proactively addressing it will put him in a worse situation. He basically eats ramen every day, only has basic liability on his car, no hobbies, lives in a crappy apartment and puts all his money into paying off that credit card which is still going to take a few years. He lives in Louisiana. Does anyone know if there is anything he can do proactively to contact some government agency to acknowledge he needs to support the kid and offer up an amount so he doesn't get charged some higher amount he can't afford, make sure he doesn't get put in jail for back child support he has never been asked to pay, and gets credit for the credit card payments he is making on his card for the purchase of the car she drives? Edit: Link to my comment with additional details I couldn't type out on my phone earlier. https://old.reddit.com/r/personalfinance/comments/av7p33/my_younger_brother_has_a_kid_with_an_exgirlfriend/ehdauwa/ [link] [comments]  |
| My mother tried to take a loan out with my name as guarantor, without my permission Posted: 26 Feb 2019 05:43 PM PST -sorry for any formatting, spelling errors etc etc I am on my phone and currently still shaking with rage Located in Australia My mother whom my relationship with has always been very rocky, has decided to take a 15k loan out with my name as guarantor. I have alerts on my credit file, so any enquiries send me an email. Thankfully I caught this last night around midnight and was able to contact the company early am, They have informed me that the loan would have gotten to a certain stage of approval and then I would need to sign documents; it is unknown what my mother was planning to do at that stage. My question is, where do I stand now, my understanding is that any enquiries made will show up on my credit rating,I understand this doesn't hold the weight of say a default listing BUT it still tarnished my credit rating which I've been nurturing since making a few mistakes as an early adult. What can I do to rectify this? Along with this, where do I stand legally? I have told my mother this was the final unforgivable straw and that I'll 'be taking this to the police in the morning' I'm still up in arms about taking this further, I am just happy I caught it in time, she is acting very nonchalant about it all and said ' I owe it to her' Im more interested in how I can protect myself further ? Continuously monitoring my credit file? Surely there are other ways to stop this from happening [link] [comments]  |
| Job applications asking for desired salary Posted: 26 Feb 2019 01:16 PM PST Hey there r/personalfinance, So I'm moving away from where I grew up in favor of a place my family is living, cost of living is lower, and I generally find to be enjoyable. I am currently hunting down jobs in the new location. As a part of the application process, almost every job is asking for "desired salary." I know the first rule of negotiating salary is to never disclose this info, but when it is part of an application, it's seems unavoidable. What should I be putting into this box for these applications? In my head, I should expect to have about a 1.2 - 1.5x increase to salary upon the move (based on averages for my field/education/experience). Knowing this, should I request something like 1.7 - 1.9x salary and hope for the best? Or should I put something like 1.0x salary and hope to negotiate later? Or is there options I'm not thinking about? I do not want to sell myself short, but I also do not want to automatically disqualify myself from the position before I even get to interview. Any additional advice about job hunting while moving geographically is also greatly appreciated! Thanks in advance! [link] [comments]  |
| Is it a good idea to get a loan for house renovations? Sell? Posted: 26 Feb 2019 07:04 PM PST Hey guys! So, the situation is: My husband and I are both 28, we work from home, we earn about $100k a year between us (out of choice, we have a company that brings in more money but keep our finances around that amount for tax purposes). We haven't always earnt that much. We also live in a very expensive area in terms of living expenses. We bought our house in 2012 for $450k. Prior to that, we had a $300k payout figure due to an accident and put that straight to the house, leaving us with a $150k loan. The house is in a GREAT position but was quite run down and quite small (2br). We have got our loan down to $45k remaining, and have completed a lot of renovations so far. However these are the 'cheaper' renovations that we can do ourselves. It still needs a lot of finishing touches. We are also looking to start a family, and since we both work from home, we need more space/bedrooms. We aren't happy in the house right now because there's so much to do and not enough money to do them, and it's taken up so much of our thoughts in terms of 'always something to fix/change/plan' etc. I think we are both just tired of renovating slowly and never having a house we are proud of. We also feel slightly stuck because we definitely weren't ready to buy a house at 20, but seemed logical with that money. Financially we put as much into the house as we could but it was definitely hard to keep up for a while. We will need about $150/200k to do all the renovations we need to do. I'm very tempted to get another loan and move out for a month, just get it all done at once, call it a day for a while. Or, we could save harshly for another 5/10 years and do it without a loan. But I think we're just not coping living there in this condition, let alone with children. The house was bought at 450 K and is now worth about $650k. With 150k of renovations it will be worth approximately $900k. But deep down we don't want to sell as the house is in absolute prime position next to the beach/shops/and the area is progressing so positively. We wouldn't find anything in our area with this growth, we were very lucky to buy when we did. I'm in Australia if that makes a difference. What would you do? [link] [comments]  |
| A update on a ex roomate situation Posted: 26 Feb 2019 06:06 PM PST First post on the incident About a month ago I asked what we should do with our ex roomate. We gave her a 30 day notice and the day after when all of us were at work she came to the house and took 2 of our belongings. For 2 weeks we tried to coordinate with her to return our stuff and it was excuse after excuse. Yesterday my roomate and I took a UHaul on a hour drive to recover the stuff, but she only gave his stuff back and not mine. We had sent her plenty of messages with what needed to be returned. She even had the audacity to ask us to bring 2 items she left behind (we didn't bring them with). So as it stands, I will be filing paperwork on Thursday morning for a small claims case. No idea how it is going to go, but fingers crossed everything goes smoothly. Side note: she will end up having to drive a hour here to go to court, and we hope she shows so we can get our money back, but we secretly hope she doesn't so a warrant will be put on her. [link] [comments]  |
| IRS Interest rates remain the same for the second quarter of 2019 Posted: 26 Feb 2019 06:22 AM PST The Internal Revenue Service announced that interest rates will remain the same for the calendar quarter beginning April 1, 2019. The rates are: • six (6) percent for individual overpayments (refunds) • six (6) percent for individual underpayments (balance due) Under the Internal Revenue Code, the rate of interest is determined on a quarterly basis. For Taxpayers other than corporations, the overpayment and underpayment rate is the federal short-term rate plus 3 percentage points. [link] [comments]  |
| What’s the best financial vehicle to leave money to kids? Posted: 26 Feb 2019 07:49 PM PST 52M. Few years away from retirement. Wife, 2 grown kids. Retirement all secured. I just sold house in California for $1.5 mil and moving to South U.S. to family home. Kids grown and working so do not have any major expenses, I am sitting on $1.5 mil in cash and trying to figure what the best vehicle for ensuring this money grows and left with as little tax burden to my two kids. I do not anticipate ever needing this money, ever. [link] [comments]  |
| How to Ensure a Better Future For Myself? Posted: 26 Feb 2019 01:28 AM PST Hi guys, I'm currently 15, and have a job at a fast food place that nets me about 50$AUD a week. I use this to buy lunch about twice to thrice a week which totals out at around 5$ per meal. The rest I usually save up to get a new video game or yadda yadda. However, I've seen many people around me struggle with their finances throughout life - is there any way of using this money to make my life easier in the future? Cheers [link] [comments]  |
| HELP NYU Langone Hospital bill and debt collection agency Posted: 26 Feb 2019 03:51 PM PST Hello, I am an international student currently attending NYU. ~ an year and half ago, I was riding my bike at a park, and fell off and got some road rashes. I didn't have any medical products to treat myself, so I called the school health center and they turned me down saying I did not make any appointment and thus they cannot provide assistance. I asked them for alternatives, and they simply redirected me to NYU Langone ER (She didn't even warn me about the cost). The wounds weren't fatal, so I walked there. I was unaware of how immense hospital bills are in the states, and was requested to pay ~$800. I was trying to handle the payment with my student insurance company, and they requested few documents. I forgot about this until this semester, and I called the insurance company again and they told me I still need to submit the documents and I have til this July to complete them. I finished the documents and mailed them like yesterday. Today, I received a call from a debt collection agency saying I need to pay my bills to them. Though I believe it is my fault for delaying the process with the insurance company, but I am still really scared Langone hospital handed my case over to a collection agency. TL;DR I forgot to handle things with my insurance company, and the hospital transferred my case over to a collection company Few questions
Please help me, I am really scared right now. [link] [comments]  |
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