Personal Finance 6-24 months until totally disabled, 5-10 years to live. Financial Planning advice. |
- 6-24 months until totally disabled, 5-10 years to live. Financial Planning advice.
- Taking Out a Car Loan For Father with Terrible Credit - Bad Idea?
- Roommate committed suicide. I'm now unaware of housing options, or what to look for, or how to manage finances for rent.
- Dentist sent me a huge bill 1.5 years after visit, after I had paid my balance and have since changed insurance providers.
- About to be gifted a check of about $8500. My husband and I have some ideas about what to do with it.
- My parents have complete control over my checking account and will not allow me access to it and might start taking money from it.
- Need to start saving money
- 23y/o recently bought my first car and I'm wondering how bad did I screw up.
- Chase Bank allowed $3,500 to be debited from my account by some random criminal and then refused to reimburse me for the loss, going so far as to demean me on the phone for not having noticed the fraud sooner. Stay away from Chase!
- I’m trying to decide if I should max out my non-governmental 457b. I have a 403b, Pension, HSA, and personal Roth.
- I'm 17 and I need to move out.
- Considering quitting my $90k year job to return to school...
- Trading in car for a cheaper one.
- Boyfriend's shoulder requires surgery. Medicaid just kicked him off at the end of March. His workplace insurance doesn't kick in until May. What can we do?
- How much can i trust creditkarmas predictions?
- A nonprofit that pays people to make the right financial decisions?
- HS Senior Asking About Student Loans
- Tax advice: Got blindsided, can't pay immediately
- Forgot to sign tax return
- So I received a letter stating a loan I requested has been denied (I didn’t request a loan).
- Question about income taxes on a joint savings account
- Spending money makes me feel emotional pain. What should I do?
- When do you give up on a car?
- Looking for advice selling a house full of junk
| 6-24 months until totally disabled, 5-10 years to live. Financial Planning advice. Posted: 06 Apr 2019 06:16 PM PDT I am in my mid-40s and have been diagnosed with an incurable disease. I am already symptomatic and its getting worse week by week. I don't know how much longer I will be able to keep working. My wife died of breast cancer 7 years ago. My daughter (12) and I live a little over an hour from family. Saw the doctor yesterday and they confirmed the bad news they warned me about a couple weeks ago - the disease continues to progress, there is no cure, the treatment to slow it down was only partially successful. I should become unable to care for myself disabled in 6-24 months and just over 50% survival rate at about 5 years out, around 20% at 10 years out. I told my parents and siblings today. They are freaked out and upset, but are being very helpful. Here is my plan - please tell me if I am missing anything. Good news - I have great benefits at work. I have 5 times my annual salary life insurance, great health insurance, and a two-thirds salary disability policy that I took AFTER taxes ... so that if I ever collected it, it will be tax free. I have about $100,000 saved for retirement through work 401k. I have about 130 hours of Paid Time Off accrued at work. I am taking the next week off work to get my affairs in order. I received a trusted recommendation for an attorney to update my will, my powers of attorney, and my living will ... and the family member made a phone call - I have an appointment on Monday afternoon. I plan to discuss a trust for my daughter that my parents will administer until she turned 25. We bought a house 4 years ago to be close to work. I'm a veteran so we used 0% down VA home loan. I am going to look into selling the house ... should about break even after fees ... might get a few thousand out of it. Plan to find a place to rent close to my parents. They live in a good school district so I will stay in their school district so that on my NEXT hospital stay (already had two in the last 6 months ... one for a week and one for 4 days) she can stay with my parents and still take the bus the school and from school. My Mom had to take off work to stay with her the last two times. We will plan to move as soon as school lets out for the summer. My mom is now looking at single story rancher homes and handicap accessible apartments in the same school district as them. So far, rancher style homes are hard to come by but we have a few leads on apartments. I am going to go look at some on Tuesday. Do you use a real estate agent to find a rental? How do they get paid? I will need to find a house cleaning service. My fatigue is already too bad to clean the house and I wouldn't be able to do laundry without my daughter's help. Is there a better kind of helper to consider? Someone who can come two or three times a week to do all the housework? I can't even put the dishes away anymore and I feel horrible that my 12 year old is now taking care of almost all this type of work in the home. Things like changing the batteries in the smoke alarms or changing the air filters didn't get done at all the last time change. I told my Dad this and he came today to do it. That really made it hit home for me. I am looking for a family counselor close to my parents for my daughter and I to see. I told her I am sick and am looking into us moving closer to her grandparents. She is excited about moving. I haven't told her the time frames involved with my illness ... but she lives day in and day out how ill I am every day. She sees I am getting worse. I don't want to probe too deep without a professional there to help guide us. I can still drive ... for now. Not sure what to do long-term with the car. Don't think this is a "need to solve now" problem. I have used Disabled American Veterans (DAV) to get to a VA appointment - I applied for disability compensation that I am still waiting to hear back on. Is there a general "drive you to doctor appointments" type service - for veterans or otherwise? Uber for sickies? Or maybe just Lyft drivers who would help you in the car for a tip? I am also planning on looking for a disability attorney to guide me through how to approach this with work. I can still work right now (I have a desk job and can work remote three days a week) but I am not sure for how much longer. We got screwed over with my wife's disability when she got sick - she cut back her hours and that ended up disqualifying her for her work disability insurance even though she paid for it. She passed just a few months later and we had her life insurance so I didn't make anything about it. I had a kindergartner on my hands at the time and just didn't have the energy to fight it. The life insurance went to get us out of debt and let me take 3 months off to be with my daughter ... and get my head back on straight. I still have about $7,000 in savings left over from the life insurance that has always been our rainy day fund. I want to try to travel with my daughter while I still can ... but that window is closing. My parents want to go with both of us for a family vacation to Orlando this summer while I am hopefully still healthy enough to go ... even if I can't ride the "good rides". What am I not thinking about? What else do I need to plan for? [link] [comments]  |
| Taking Out a Car Loan For Father with Terrible Credit - Bad Idea? Posted: 06 Apr 2019 06:14 AM PDT Hi all, thanks for reading, hopefully you guys can help me get a clear idea of what to do in this situation. So I'm based in Aus, if that changes anything. Basically my Dad's car is about to go kaput, he's looking into getting a replacement for the next phase of his life (he's mid 50's if that helps). Throughout his life, he's made some bad business decisions and as a result has terrible credit and has in fact gone bankrupt in the past, he's still on his way out but has around $30k outstanding which he is not wanting to pay out (communication issues between him and my mother - still have a business assett unreturned - not sure if this is an option to help clear the debt). Basically he is unable to get a loan for a new vehicle. He has asked me if I'd be interested in taking out a loan and buying a vehicle in my name, which he would use. The car would likely be $60k at least (not sure he wants to budge on this, as it will likely be his retirement/last vehicle, and personally I think this is an okay amount to spend). My credit is okay, and if I'm able to secure this amount, what kind of risk am I taking on? Is this legal? I do trust him to be able to pay off the amount within 2 - 3 years, and have told him I will need a 10% deposit on the loan that I will hold before and while the loan is taken out, along with number proof that he can and will be able to pay (full budget plan for the loan term). Is this a bad idea? Should I tell him he'll need to save for 3 years and buy his car then? And just buy a beater in the meantime? He does deserve a nice car, and I want to be able to help him, i just really want to know what kind of risk I'd be taking on this? Also might be worth noting - I've already done a small $5k loan for a health issue for him within the last 2 years, and he was able to pay as agreed then, but I didn't really consider the risk of that at the time, so hoping to be a bit more thought out this time. [link] [comments]  |
| Posted: 06 Apr 2019 01:10 PM PDT My girlfriend and I are renting a 3br house, roughly $2000/month. We had 2 of her coworkers living with us and each paying a quarter of the rent. Yesterday morning, one of our roommates took her own life, and now the other roommate doesnt want to live here because she would be sharing walls and cant handle being in the house. I don't blame her one bit. We have 5 months left on the lease. We could ideally squeeze with one roommate, but just the two of us will be hard due to financial reasons. The other aspect is emotionally, I don't want to be here anymore either...I was the one to find the body, and I get nauseous every time I look at her door, let alone go inside the room. Breaking our lease would result in a penalty of our security deposit as well as 2 months rent. I'm so lost, and have no idea what the right call is to do. None of our friends would feel comfortable moving in based on the news that there was just a suicide here. We also cant really look for random roommates, because my girlfriend works for a zoo and often raises animals at home, so someone who is untrustworthy could ruin her career. Tldr: we essentially lost 2 roommates that were paying rent with us. Emotionally, its weighing on me to still be in the house, but breaking the lease would be super expensive. We can't search for random roommates because of my girlfriends job. Are there any other alternatives? Has anyone who has experienced this situation found a good way to deal with it? [link] [comments]  |
| Posted: 06 Apr 2019 12:38 AM PDT First off, Dentalworks is shady af, I highly advise against using them. They scared my wife and I into basically getting a "super cleaning" which cost us hundreds out of pocket, and then they did a terrible job with a filling that I got and my next dentist had to fix it. All that aside, I got a filling in 2017 and paid what I was told the balance was with my HSA, around $400. I then receive a bill from them a few weeks ago for $850 for the same services. I called them and asked where this came from and why it was so much, and they immediately said, "Oh it looks like your insurance company decided not to pay for this, we'll contact them, don't pay the bill yet." I was confused because I thought this was all taken care of. We also just changed insurance providers at work, so I thought maybe it had something to do with that. So I wait a few days and I receive a letter from my 2017 insurance company denying any coverage claiming "insufficient pocket". Great. Then yesterday I received another bill from the dentist for $850 My gut is that this has something to do with us switching providers, does an insurance company have a responsibility to pay for services retrospectively if you changed? I have not been receiving bills for this until a few weeks ago and it all seems really shady, what are my options? [link] [comments]  |
| Posted: 06 Apr 2019 04:51 AM PDT My family is going to be cashing in a stock that they no longer need. My dad is going to split the amount between my brother and I, giving us each about $8500. This is great timing because my husband and I are at a point in our marriage that we will be trying to get pregnant very shortly. We are thinking one, or a combination of the following things to use this for. Some background- we are 27 and 29, make about $75k together. Rent a house we are happy with until we would have baby #2.
The current decision we have come to is to do a combination of 1&2, so splitting it into savings for ourselves and some kind of fund for our future children. Any suggestions are welcome! [link] [comments]  |
| Posted: 06 Apr 2019 06:39 AM PDT I have a checking account and I have no access to it because i am under 18. I know the amount in it is small but I only know this because of the statement that comes in the mail every so often. I run an online business where I all of my payments are going to my PayPal account and there is a fairly large amount sitting in there. The main problem is that my father knows how much is sitting in that account and is pressuring me to transfer it into his bank account. I have done this in the past and I have never seen my money again ! Another problem that comes with it being in PayPal is that i can only do few transactions ONLINE with that money, I would be bringing in much more money if i could take it out in the form of a debit card and use it to purchase what I need to make money. I keep asking for access and they constantly decline without reasoning as to why. My question is, is there any way I can get that money out of paypal and into my hands without it going through them ? edit: forgot to mention this but I also I don't know my SSN as they have prevented me from even viewing the card [link] [comments]  |
| Posted: 06 Apr 2019 07:07 AM PDT I'm 20yo male, I work a full time job making $11.5/hr I've got a car payment of $300/mo and car insurance of $350/mo phone bill is $75/mo and my rent, because of roommate situation is only $250/mo. I'm getting roughly $850-$900/bi weekly because I'm working as much OT as they'll give me, but some how even though I should easily have around $700 extra every month, I find myself scraping by with little to nothing just holding on until my next paycheck. ( I spend about $7 per day on lunch at work, and $30 per week in gas ) I can't think of anything else as to why this keeps happening but I've been stuck in this loop for months. My roommate is not renewing his lease in August, which means I need to have close to $3000 saved up by then. For first, last, and a security deposit. ( a cheap rundown apartment in my area is close to $1000/month ) Does anybody have any tips or tricks that would help me out? I'm not a frivolous spender, but I don't know how to get out of this hole. Also a personal loan wouldn't work, as my credit score is 490, and about to go down as another creditor just dropped my account to collections. [link] [comments]  |
| 23y/o recently bought my first car and I'm wondering how bad did I screw up. Posted: 06 Apr 2019 02:56 PM PDT I recently bought a 2012 Dodge Charger SRT8 with 59k miles. The car was listed online for 27k and on the paperwork I got from the dealership it says that I'm financing 26k not including the 4k I put down on the car. I'm financing for 5 years at 11.4% after I purchased the car I returned a $3500 warranty and they said it would come off of the financed amount. I make about 1.8k a week give or take a few hundred and really have no expenses other than the car. The reason I bought the car was to build my credit to buy a house I had a 700 credit score but no real credit history and I had multiple people tell me a car would help build my credit. I am not necessarily regretting my decision I'm just wondering how do I make the best of it? I know I would like to refinance the car in 6 months but after that what? Should I pay it off in 2 years and then sell it before it loses more value? Should I pay it for a year and then trade it in for a truck that I can keep for 10years? Should I pay it off and keep it? On the paperwork I have it says that the intrest on the amount financed will be around 10k. If I pay the car off in 2 years or sooner am I still responsible for paying the rest of the interest? [link] [comments]  |
| Posted: 05 Apr 2019 05:10 PM PDT So, while doing my taxes in March, I realized that in September/October of last year, three checks were issued from my account in some random guy's name and signature, totaling almost $3,500. I of course opened up a fraud claim with Chase as soon as I noticed this. They told me I'd hear from them in 10 days. 14 days later, I called them and was told it'd be a 30 day decision. So, now over a month after making the claim, I called again for an update, only to be told that the 'Back Office' had denied my claim, marked it a 'final decision', and that I had no recourse because I hadn't reported the fraud within 60 days of its occurrence. While I understand that I lapsed in my duty to reconcile my accounts, I find it absolutely incredible that the bank would give my money away to some random dude not associated with my account and then refuse to admit that they were in the wrong. While on the phone, the customer service representative even went as far as to insult me, insinuating that the entire thing was my fault because I was too stupid to notice the missing money in my account. This was the manager too! So, I'd highly recommend staying far far away from Chase if I were you. I've been a customer of theirs for nearly a decade, and regularly have had tens of thousands of dollars in the accounts for them to profit from. That's how they repay me? Crazy! I'm just glad this happened now, as I'd have been going to them for a home loan in the near future. I shudder to think how badly that could go if they carry the same sense of customer care across all departments. I'm looking into credit unions now. Does anybody have any good recommendations for insured credit unions in the Los Angeles area? The sooner I can close my Chase accounts, the better! Edit: After a few hours to calm down, along with the replies here, I realize my fault in all of this wasn't adequately expressed in my initial post. Yes! I fucked up! I made a huge mistake in being complacent about my accounts! There were mitigating factors of course. I made a large deposit the same month, so by comparison the fraud withdrawal wasn't as noticeable. I use alerts on my account for any kind of transfer or spending, but didn't realize that Chase doesn't supply alert service for checks. Because I didn't realize this, I was complacent in thinking that any kind of debit from my account would be reported in real time. I didn't reconcile my books for this reason, and now it's bitten me in the butt! All that being said, the responsibility was mine to report the fraud within 60 days. However, Chase also fucked up on their end. They allowed a fraudulent check with an unknown name and signature issuing it to withdraw money from my account. When I opened my claim, they didn't follow their own policy by crediting me the disputed amount. They didn't notify me of their decision, and they left my checking account locked even after deciding to reject my claim. Thank you to everyone for all of your replies, advice, admonitions, and empathy. [link] [comments]  |
| Posted: 06 Apr 2019 06:25 AM PDT I've been trying to figure out the risks/rewards of the 457 plan I have at work. TLDR: What's the math on a lump sum tax bill from a 457b disbursement (marginal rate income tax) vs the loss compounding of putting the money in taxable account in VTSAX plus capital gains. What I have: Maxed out 403b, HSA, Roth for SAHM and myself. Sufficient savings in MMA and post tax investments in total stock index. My company (large hospital system), matches into the 457b so of course it put in enough to get the match (<5%). I want to max out the 457 in addition to the 403b, HSA, and Roth's but I'm afraid to put too much into the 457b. I will fully fund the other 3 regardless. I'm aware that the 457b plan is subject to the company's creditors. Ideally I would withdrawal money from it first and maybe use it to bridge retiring early before other accounts are available. I'm waiting to hear back from HR about my disbursement options for the 457b. My concern is that some plans make you take the money all at once upon separation from the company thus causing a large one time income tax bill. How do I figure out if the one time lump sum distribution tax bill is less than the taxes I would have paid up front putting it in VTSAX also figuring in the lost compounding from having less money invested in the taxable account since it is after tax. So $15k / year in 457b x 10years at marginal tax rate at the end VS $15k(times marginal tax rate) in VTSAX x 10years (times capital gains) Unless I'm wrong, I'm thinking about this like the Roth conversion ladder where it's better to spread the distribution over the years to reduce total tax percentage paid by staying in lower brackets. I'm afraid the one time distribution would take most of the earnings like a lottery payout. Thanks [link] [comments]  |
| I'm 17 and I need to move out. Posted: 06 Apr 2019 11:55 AM PDT Background: I'm a 17 year old senior in a Texas public high school. My parents and I don't get along anymore and my mother has clearly stated multiple times she is disappointed in me for a variety of things and my father has also as well stated his disagreements with me. They no longer like me as a person and I understand. I need to move out because we can't stand each other anymore. Plus, we are economically challenged and I'd be a weight off their shoulders. Current Status: I'm doing good in school but I have no money saved at all and I don't have a job but plan on getting one in the summer. I'm all set to go to college next year with an EPC of 0 and an $800 scholarship. The university is in my city and they have not yet begun awarding financial aid until May so I have no idea how much I will have to pay out of pocket. My degree is Music Ed and I need my own professional model instrument which is a ~$3000 expense I have to complete within a couple of months. I need any help as to how I can go through with this because it seems we're getting in arguments every other day. They seem to be irreconcilable differences. [link] [comments]  |
| Considering quitting my $90k year job to return to school... Posted: 06 Apr 2019 06:53 AM PDT So, I've been considering returning to school for a few years now. I'm currently 29, single, zero debt, and have a significant amount of money saved up from over the years. But I'm kind of stuck between the current "comfort" zone of my stable job vs. giving it all up and taking a leap. I currently make around 90k a year, with great benefits, retirement, vacation, etc. However, I'm completely burned out with the corporate world; some days I work 8 hours, others I work 14. I'm in sales, but it isn't commission based. I'm selling a product I don't care much about and know more than I ever wanted to know. Between dealing with the office politics and day to day drama, I just feel called to do something more than sit in a cubicle for the foreseeable future. I look around at the executives and individuals in the "corner offices" and think if I stay here, that could be me in 20 or so years. They don't appear to be thrilled with their careers, but just doing it as a means to an end as most people do. So I'm considering going back to school to take my pre-reqs so I can apply to dental school. My cousin completed the program I'm looking into and verified, if I do this, I can easily come out in 6 years making, double or triple what I'm making now. But that'll put me at 35, and I'm weighing the opportunity costs of both scenarios... Which are...either stay in my current role and continue to climb the ladder, max out my 401k contributions in hopes of one day retiring comfortably, etc. etc...or take the leap, pick up a part time job, incur 100k+ of student loan debt over the course of 6 years, lose my benefits, etc....I think I could realistically recover my opportunity costs in 3-4 years after graduating. I mean, am I crazy for not being content in my current job and life? Has anyone ever made a similar decision? If so, any insights or advice? All opinions are welcome as well. [link] [comments]  |
| Trading in car for a cheaper one. Posted: 06 Apr 2019 05:10 PM PDT My car is worth $8000, I have $10,000 left on the loan. I want a cheaper car for many reasons, I've found a car for $4000 that I like. How exactly does this situation play out? Do I just give the dealership of the cheaper car, my car and just drive off with theirs? Like an even switch, because my car is worth more, and then my lien holder gets the title of my new car? Someone please explain this too me. [link] [comments]  |
| Posted: 06 Apr 2019 05:07 PM PDT Colorado USA. Boyfriend took a pretty bad fall. They are saying he needs surgery sooner rather than later. He's 31. Medicaid kicked him off on March 31st because of his income. His workplace insurance doesn't kick in until May 1st. We could come into this urgent care's partner clinic. And get his check up done. And they will get him on a discount program to cover his surgery. We would probably have to pay for his check up visit out of pocket and uninsured. I don't know if calling medicaid to get them to cover this gap is worth it. Whether we can see if his workplace could backdate this. Whether there's another option. We're also not opposed to declaring bankruptcy for this. He doesn't have a great credit score. And a charge off. And we have no plans for big purchases for the next 7 years. We live in a great place with public transport. Have no interest in getting a car. Or a mortgage. We have no credit cards. He has no other debt besides the $400 charge off. He has no assets. I'm also considering if a personal injury lawsuit is worth pursuing. He fell on a street mall, and one of the tiles on the street was poking up and caused him to trip and fall. Don't know if this is worth also posting to legal advice and seeing if it's worth doing. We just want his surgery paid for. That is honestly it. He works maintenance. And we're being told if he doesn't get surgery soon. It'll heal improperly. And limit his mobility for the rest of his life. I'm very concerned about the finances here. And would love any and all advice. [link] [comments]  |
| How much can i trust creditkarmas predictions? Posted: 06 Apr 2019 06:37 PM PDT Like it says im approved for a 100k house. It knows how much i make and how long ive worked at my job. It knows my credit score and the history. Would it be accurate enough to start on the home purchase trail? [link] [comments]  |
| A nonprofit that pays people to make the right financial decisions? Posted: 06 Apr 2019 12:10 PM PDT Hi everyone. I'm looking for your feedback on a nonprofit idea. Would you participate and/or donate to this? I'm not a CFP but I can hold my own in finances (Econ, mba, CPA wife) and I've always been passionate about helping those who are much less financially/life savvy. Target demographic is people 18-30 years old without a college education working for a low hourly wage. I haven't designed specifics yet, but from a high level, I want to start a nonprofit that has a strict, verifiable financial/life program that participants must follow. When they follow it, they will receive a cash payment as a reward/incentive to keep following the program. By following the program, they will become better off financially and will set them up for a lifetime of wealth. Some topics/ideas that come to mind to include: budgeting, insurance, investments (qualified and non qualified), wills/trusts, debt management. Maybe create partnerships with local vocational training and businesses. This would all be done the proper way using CFPs with fiduciary responsibilities, of course. Thoughts? [link] [comments]  |
| HS Senior Asking About Student Loans Posted: 06 Apr 2019 12:05 PM PDT So now that I'm done applying to colleges, I have 2 top choices, the University of Alabama and the University of Miami. At Alabama I received what essentially amounts to a full tuition scholarship for all 4 years, and my parents would pay it in full so I could graduate with zero financial obligations. At Miami, I'll need to take out about 60k in loans. After college, my plan that I feel most strongly attached to is heading to medical school. I don't see myself changing this plan unless something drastic happens. However, in the rare event that I do change my mind, I've considered going into finance straight out of college to work at an investment firm, however I haven't looked too deeply into that route because I'm so focused on medicine, so I'm not sure if my plan to jump straight from college to work would be more difficult than I think it would be. The dilemma is that I 100% can see myself at Miami and I feel like it would be easier to network as a finance major in a major metropolitan area than it would be if I were to be in Tuscaloosa. However, I'm starting to become a bit more financially literate, and have started saving up money and looking into mutual funds and an IRA to put money into once I turn 18, so I can see the value of being able to start my adult life with a positive net worth and the absence of looming debt over my head. Is $60k in debt worth a seemingly perfect fit and what I think would be better networking opportunities? I don't personally know anyone that went to Alabama or anyone that has $60k in student loans, so I don't have any knowledge around me to draw on to help me make my decision. Thanks for reading, I know this was pretty long! [link] [comments]  |
| Tax advice: Got blindsided, can't pay immediately Posted: 06 Apr 2019 05:59 PM PDT I'm going to end up owing about $1000 in taxes this year. Unfortunately I only planned for owing $300 and I don't have the cash on hand to pay the entire amount. I've never been in this situation before so I don't know what to do.
I live in Virginia so I also have to pay VA state taxes. I owe $166 to them and $833 in federal. I am thinking I pay the entire state amount right now and then pay what I can in federal. I'm currently trying to hustle and sell what I can to make up the difference but I'm almost positive I'll be short come the 15th. Any advice appreciated! Edit: I'm obviously using a throwaway because this is embarrassing. [link] [comments]  |
| Posted: 06 Apr 2019 05:47 PM PDT Hi there! So I just realized that I forgot to sign my tax returns and I already mailed them in. Should I reprint them, sign them, and mail them in again or just wait for the IRS to send them back requesting a signature? [link] [comments]  |
| So I received a letter stating a loan I requested has been denied (I didn’t request a loan). Posted: 06 Apr 2019 07:48 PM PDT It was out of Salt Lake City from some company called Marcus. I am on Trueidentity viewing my credit reports and transunion and it says I am in the clear I believe? So it saying Account summary and all Zeros are good correct? [link] [comments]  |
| Question about income taxes on a joint savings account Posted: 06 Apr 2019 07:44 PM PDT Ex and I put our e fund into discover high yield savings account shortly before breaking up. We hit the sign up bonus and made about $20 before we split the money and closed the account. Overall it's about $200. My question is, will we both receive a 1099 for the interest? Do we both have to report it? [link] [comments]  |
| Spending money makes me feel emotional pain. What should I do? Posted: 06 Apr 2019 07:36 PM PDT Hi, I'm not sure this is the right subreddit for this but it is so incredibly hard for me to spend money. In some cases I stress out like crazy on small purchases of even $10. I tend to save all the money I make unless I have to absolutely spend it such as for groceries, or if it will make me look bad if I don't such as buying a colleague a present. I don't feel too bad about the neccesities because, well I have to live. However, there are times when I have avoided social engagements because I know that I will have to spend a bit of money. I believe the reason for this is that I constantly feel financially insecure (like ill go broke or something if I save) even though it is unrealistic. I have a stable job with okay pay and my lifestyle is very simple (mostly cause I don't like spending). I am worried that my cheapness will cause me to lose my youth and I do not want to regret this later. How can I overcome this? [link] [comments]  |
| Posted: 05 Apr 2019 10:31 PM PDT So I have a 2006 Honda Accord with 270k miles. Just today I took it in the shop and have about 3k in repairs. (I got estimates at other shops and they all run at the same price). Is it worth it to invest in this car? I know that I could use that as a down payment but this car is paid off and this is the first time I've really had to sink a large amount money into it. I am an undergrad going into grad school so I'm going back and forth on if it's dumb to put this money into my car and having to deal with a car note on top of bills/school. [link] [comments]  |
| Looking for advice selling a house full of junk Posted: 06 Apr 2019 07:30 PM PDT My wife's father recently passed away and we are left dealing with his home. He was somewhat of a hoarder and his house is full of stuff. Mostly junk, though items of value such as his firearms are being sold at auction. At this point it is taking a lot our time cleaning out the house. He had a significant amount of debt in the form of credit cards and loans and the house is not in good shape nor is it located in a location where property values are high. We have not contacted a realtor nor an appraiser but the Zillow estimate is about $75,000 which I assume is based on a house in decent shape in that neighborhood. We are not expecting there to be much money left over when everything is settled. It is possible that the estate may become insolvent. For these reasons we are reluctant to spend our own money on junk collection services, renting a dumpster, cleaning services, etc. I know it's possible to sell a house "as-is", but I don't know if it's reasonable to attempt to sell it in its current state, junk and all. I'm hoping someone reading this has some experience to share or advice to give on how to deal with this. Any help is appreciated. [link] [comments]  |
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