Personal Finance Always, always check that your employer is actually paying you what they said they would. |
- Always, always check that your employer is actually paying you what they said they would.
- Bank lost $40,000 and it’s been over 6 month. Need help.
- Charles Schwab vs. Vanguard
- I love this debt reduction Excel template & I hope you do too.
- Money transfer from non-Ally account to Ally account
- Any way out of a Timeshare?
- Vanguard's website is providing incorrect stock information
- I'm getting ready to receive a $15,000 inheritance. Advice?
- My Guide to (Mostly) Automated Banking
- what happens when someone dies with debt
- Should you max your 401k before putting money into taxable account?
- Credit Union applied my car loan payment to my "savings" account
- A week from closing and discovered in the insurance quote that that was a fire at the property that is not listed in the seller disclosure. What can I do? (NJ)
- "Excellent" credit, over 20% down payment, can easily afford monthly payments, but only able to get FHA loans for a mortage that no one in my area will accept. All because I "don't have three credit cards"
- Fund selection help
- Completely messed up my finances by avoiding debt for years... how do I move forward?
- Buying a car for the first time soon, needing advice
- My fiance and I are struggling to solidify our living situation for next year
- In over my head and need some suggestions
- 401k and taxable income.
- I forgot about an old HSA that went into remittance. What are my options?
- Federal Reserve holding $40K
- Gifted $40k to pay off house: taxes?
| Always, always check that your employer is actually paying you what they said they would. Posted: 09 Apr 2019 10:16 AM PDT This may seem like common sense to most, but I'm posting in case it helps even one person not make the mistake I did. In August of last year, I was offered a promotion, full time, and a 3$/hr raise at my current job (a small B2B software company). I'm a new graduate so this was my first "grown up" job with benefits. I accepted and just assumed the pay raise would be reflected September 1st since my boss, his boss, and HR had all signed off on paperwork saying it would be. Full time hours did hit and there was more money in my account...my timecard only shows hours, not rate, so I just assumed all was well. Well, my fiancé and I were combining budgets, and his hourly rate is the same as mine should be...but somehow, he was making a lot more? I checked with HR and it turns out, due to a paperwork error THEY NEVER INCREASED MY PAY. I've been receiving my old rate the past 7 months. I feel like an idiot! But, I'm going to get back pay to the tune of $3,000+ plus the incentive I was offered on start up and never actually received. So, don't be me. Check that your company is actually paying you what they said they would, and never, ever assume when it comes to your paycheck. :) Edit to add: I went from 30 hours to 40 hours at the same time my raise was supposed to hit, which is why my pay went "up" and I didn't notice! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank lost $40,000 and it’s been over 6 month. Need help. Posted: 09 Apr 2019 08:25 AM PDT So I wrote a check to my mother's mortgage to pay it off. The check initially took the money out of my account, but later returned because it wasn't endorsed. Couple days later the check was reprocessed and money was taken out of my account again, however my mother's mortgage never received the money nor did I see a return of my money to my account. I've been calling both banks to solve this issue for over six months now. Both banks are saying the other bank has the money. I don't know what else to do, I'm also having a particularly hard time getting the two banks to speak to each other. What can I do? They just keep giving me the same answer of the other bank having it. Please help, thanks. Edit: Thanks for all the responses. I didn't know this would get so many comments. A little more detail in why it's been taking so long. I'm active duty military and I'm stationed outside the U.S. I travel a lot for work and the places I do travel doesn't have the best of power so sometimes in the middle of a conversation the power is cut. Also when I'm back where I am stationed I am either training or I am preparing to leave again. So I'm just super busy, believe me when I say this $40k is a lot and sorry if I sounds any differently. Thanks for all the comments. Hopefully one of these will help me figure out where the money went. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 05:06 AM PDT This is probably a cliche post around here, so, apologies in advance. I'm new to investing and still have some more researching to do before I really get into it, but think I want/it's best for me to start with index funds. What's a better broker for this: Charles Schwab or Vanguard (or Fidelity, but I just assumed those two were more popular/better)? Any major differences to be aware of? Thank you! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| I love this debt reduction Excel template & I hope you do too. Posted: 09 Apr 2019 06:27 PM PDT (On mobile.....sorry for format issues) EDIT: There's templates for Google Sheets and OpenOffice too! Over the past 10 years I got myself into ~$17,000 in credit card debt across 5 different cards, plus $51,000 in federal student loans and (at time of purchase) a $13,000 car loan. At a certain point I became the kind of person who spent their free time researching methods/calculators/advice on how to pay off debt as efficiently as possible because it was legitimately fun to me. It became a game and I wanted to win, with the grand prize being able to start saving for a down payment on a house. After months of looking for a free, comprehensive template to use for Excel (not proficient enough to make my own) I found it: www.vertex42.com/Calculators/debt-reduction-calculator.html It's easy, user friendly, has a great quick start video on the site, & features multiple strategies on how to repay your debts (I will note that I haven't input my student loans, just my personal debts, so I don't know if this template is right for them. Uncle Sam can wait....) It has every single feature I could ask for, plus some I didn't even know I wanted. I have seen a lot of debt management tools in the past year or two, and in my opinion this one is the absolute best for laypeople like me. I've been able to stick to the payment plan it provides for 10 months now, and I'm actually 2 months ahead on my payoff schedule due to small additions to my snowball. It's fun to sip a glass of wine and see how an extra $10 here, $20 there can lessen the amount of time (& total interest!) it will take to pay everything off. I hope this tool helps someone as much as it's helped me. I can't wait for July, 2021 to be (mostly) debt free!!!! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Money transfer from non-Ally account to Ally account Posted: 09 Apr 2019 07:34 PM PDT Just opened up an Ally account a few days ago and I'm still learning the policies of Ally online banking. Has anyone transferred money from a TD Bank savings account to their Ally savings account and received a withdrawal fee? I am initiating the transfer through Ally but I'm wondering if TD Bank will charge me for transferring to a non-TD bank account. Will Ally charge me a fee as well? I just wanted to make sure before I go forth with the transfer. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 04:49 PM PDT We joined Marriott Vacation Club Asia when we lived in Malaysia— and it seeeemed like a good idea. We totally fell for the sales pitch and really never used it in the 9 years we've had it. Not only is this one based in Asia (where are back in US now and probably for good) but they make it super hard to use it domestically and everywhere requires a plane ticket to get— spare money we don't have. Annually we still pay ~$300 in addition to the original $25,000 one time lump payment. Is there any way to sell them or get out? Advice? I feel so dumb that I fell for this and feel trapped. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Vanguard's website is providing incorrect stock information Posted: 09 Apr 2019 03:26 PM PDT A few weeks ago I purchased a number of shares of Vanguard Star Fund (VGSTX), or so I thought. Today, I logged into my account to see how my portfolio was doing, and noticed that I now own a number of shares of iStar Inc. (STAR). Confused, my heart sank and I assumed I had somehow made an idiotic mistake and bought the wrong stock. It seemed particularly strange though since you do not purchase funds in the same way that you purchase stocks on the Vanguard website, the processes are different, and the areas are separated. I only invest in funds, and do not own any other direct shares of any stock, so it didn't add up that I would have been in the stock section. Because of this, I decided to see how the mistake was made, so I searched for "istar" within the Vanguard database, and clicked the search result for iStar Inc (STAR). Sure enough, I was then taken to the Vanguard Star Fund (VGSTX) Stock Overview page. It's pretty shocking that a company of this scale would have an issue like this, potentially costing people large sums of money. I've reached out to support, and they've assured me that no such issue exists, but I've recorded the issue occurring on multiple computers, on different OS, different browsers, different locations, etc. and sent that to them. Currently awaiting their reply to the recording. Has anyone else encountered something like this before? What are my options here assuming support continues to deny the issue? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| I'm getting ready to receive a $15,000 inheritance. Advice? Posted: 09 Apr 2019 06:32 AM PDT Hello, I'm a 25-year-old male, and I currently have a total of about $6,000 in a general savings account, as well as almost $3,000 in my Roth IRA. I'll be making $16.50 an hour at a new job I'm starting next week. Not great, but perfectly livable in my part of the country, and I'm hoping to build up my resume and make career progress. As it says in the title, I will soon be receiving roughly $15,000 through an inheritance. Given my situation, what should I do with it? I plan on putting roughly $2500 in my Roth IRA (to max it out for the year). Should I put the remaining ~$12,500 in my savings account? Or should I consider opening up a CD or a high-yield index fund? For additional context, I am unmarried, no kids, no debt, and not a homeowner. Any advice would be much appreciated. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| My Guide to (Mostly) Automated Banking Posted: 09 Apr 2019 09:01 AM PDT With the popularity of this post on Efficient Banking, I wanted to share my slightly different take. I'm not claiming that it's any better than that of /u/RoboTicks (I do like his approach), but I lean a little more on Checking Accounts and a slightly more automated approach. GOALMy goal was to have a system in place that handles the menial tasks of paying bills, transferring money to savings, and so forth, but with oversight to ensure nothing is getting off-track and causing overdraft fees or the like. I also wanted to see exactly where my family's money is going each month and how much my wife and I are saving. I use Mint to monitor, budget and categorize our spending. I look back each month and see how close we were for each of our budgets, then adjust accordingly. This is done mostly to keep ourselves honest and help steer us towards spending on only what we really want or need. TACTICSI have three liquid cash accounts that I keep a close eye on each month. This does not include investment accounts, retirement accounts, HSA, etc. Here are my cash accounts:
I start the year with a base amount in the two Checking accounts. For Primary Checking, I have $3,000. Really this is just an arbitrary number that ensures I'll always have the required minimum to avoid fees. For Expense Checking, I have $5,000. This is more calculated, as you'll see when I explain my monthly Expense process. MONTHLY KNOWN EXPENSES Before the year begins, I have a spreadsheet which tracks every "known" expense for the year. This includes mortgage, student loans, car loans, insurance, cell phone, internet/TV, gym membership, church giving/donations, really anything that meets the following criteria:
Most of this is easy to compile in a spreadsheet, since they're regular recurring payments (mortgage on the 1st of each month, student loans on the 15th of each month, etc). Some are a little tricky, such as car insurance, which is only once every six months. Once I list these expenses in order for every month of the year and include my paycheck dates twice a month (yes, this process takes a little time in late December but thankfully it's a slow month around the office!), I add up the total expenses for the year and divide by 24 bi-monthly paychecks. This is the amount I have deposited from each paycheck into the Expense Checking account. The rest of my paycheck (and my wife's full paycheck) get deposited into our Primary Checking account. At the end of each month, I also have a line for "Expense Credit Card Payment". This is a payment I make to cover bills that are auto-paid by a credit card instead of the Expense Checking (yay points!). More on that in the OTHER MONTHLY SPENDING. Next, I turn this list into a running ledger and use a formula to track the daily balance. I ensure that my starting balance for the year is large enough that I never at any point dip below $1,500 (again, this is based roughly on account minimum to avoid fees). This is a guess-and-check method to come up with the $5,000 starting balance for the year. I'm careful to round up for pretty much all expenses, since my electric bill is $100 some months and $60 other months. In each of the four years I've been doing this, I've ended up with ~$500 more than what I started with in this account. This is an extra little bit of savings that I barely notice throughout the year, great to have around the holidays. HERE'S WHAT THE LEDGER LOOKS LIKE (names removed to protect the innocent) OTHER MONTHLY SPENDING For all other monthly spending, we use credit cards and pay off the balance in full each month. This includes everything that either varies too much each month (restaurants, groceries, shopping) or is not a regular recurring expense (minor medical bills, smaller home improvement projects, etc). This maximizes our credit card points and provides some consumer protection benefits. My wife and I have four cards between the two of us, mostly to maximize points, but this one is up to you. Some recurring bills are on our credit cards, and for those I add up how much (it's around $800 each month) and factor in an Expense Credit Card Payment each month that gets auto-paid from our Expense Checking account and applied to the Credit Card toward the end of the month. This category of spending is where I leverage Mint to help us be honest with ourselves as to where our money is going. We may think we're only spending $300/month on groceries, but if over the past four months we've averaged closer to $500/month, we adjust our budgets to help us capture other areas to save. This requires a little discipline as the month goes on, but everyone has their own strategies when it comes to reducing unnecessary spending. MAJOR SPENDING Anything else that's a "major" expenditure (new appliances, unforeseen major car repair, vacation, etc), I pay using a credit card if possible and then pay it off immediately from Primary Checking, then transfer that same amount from Primary Savings back into Primary Checking. I do this to keep our monthly savings accurate instead of wiping out an entire month's worth of saving for something we spent out of our savings money. This also helps us make trade-offs between a new fridge versus a weekend trip, for example. These types of expenditures are why we have savings in the first place. MONTHLY HANDS-ON WORK At the start of each month, I "close the books" on the previous month once all pending transactions have posted by performing the following:
SEMI-ANNUAL HANDS-ON WORK Every so often, I'll step back and look at the bigger picture by asking myself the following:
I have a spreadsheet that tracks all my savings, investments, loan balances/payoffs, etc. I update this every so often by logging into all my accounts online to double-check everything. It looks like this. I try my best to track the big ticket expenditures ahead of time when projecting out my Savings balance over the course of the year. This would be vacations, holidays, etc. BENEFITS AND RESULTSAs I mentioned, I've been using and tweaking my system for four years. I have since gotten married, bought a house, had a baby, started and finished grad school, and it's helped every step of the way. This method is more a "Strategy and Tactics" than it is a Philosophy, but it's helped me save time and provide information my wife and I need to make strategic financial decisions. I hope it can help others as well! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| what happens when someone dies with debt Posted: 09 Apr 2019 07:04 AM PDT My dad looks terminally ill and this happened suddenly so things are not really in order. What happens if someone dies with ~$500 in credit card debt, and about ~$2500 left on a car note? Does the debt go away or would it be taken from a 401k and or IRA? Also how do we go about seeing if someone has a life insurance policy? And if someone doesn't have a will does everything go to the spouse? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Should you max your 401k before putting money into taxable account? Posted: 09 Apr 2019 01:49 PM PDT Sounds like a silly question, but just curious what you all think. My reason for asking this is this. I currently make 76k + 15% bonus ($87.4k combined) and 25% of the bonus goes into 401k, so roughly 19% of my 76k salary goes into 401k ( $10,500). Then my company match is 6% of base salary, so $4,560. Combined yearly 401k is ~$15k After doing all of that, I'm able to pay all my bills, groceries, vehicle, etc. and have $400 leftover. I'd like to start throwing that into a taxable account (probably VTSAX) for every month something doesn't come up and I have that $400. Is that a good idea or would it be better to up my 401k contribution a few % ? Note - I already have 6 months cash emergency fund and no debt besides my house and truck (1k mortgage and $400 truck payment) [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Credit Union applied my car loan payment to my "savings" account Posted: 09 Apr 2019 07:29 AM PDT I have a car loan through a credit union that made me open a savings account to get the loan, the savings account has a dollar in it or some other minuscule amount. This week i get my bill and I see that there is a past due amount, they never applied the last check i had sent them. I recheck my bank statement and I see that they cashed the check I had sent so I call them. Apparently what happened was that they took my car payment and applied it to my savings account instead of my auto loan. They offered to simply transfer the money back into my auto loan but I mentioned that there was a 20 dollar late fee noted, though i am calculating around 40 dollars. I am also concerned about a hit on my credit for past due payment. I don't understand how this happened since i sent my payment along with the auto loan bill (bottom portion) like I have every month. Anyway, the person over the phone said all they could do was transfer 500 from my savings into my auto loan, but they couldn't remove (or even see) any late fees and that they couldn't help me with any dings to my credit. They said someone would give me a call back this morning. Does personal finance have any pointers or tips for dealing with this credit union when they eventually call me back? How can I help ensure that my credit is not being dingged here? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 05:11 PM PDT As is said, we are a week out and I got the insurance quote today and found a $15,00 claim for a fire three years ago. A $15k fire doesn't seem like major fire but the fact it was omitted is very concerning to me. The seller lived in the house for twenty years so it's not as if they didn't know about it. The disclosure made no mention of this fire, which I find deceitful but I'm trying not to lose my temper over this. I've already sunk inspection, attorney fees, and mortgage fees but I'd rather lose $5k than spend $20k remedying issues. Aren't sellers required to disclose this? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 08:01 AM PDT I've considered myself financially responsible for most of my life. Recently, however, when trying to get a conventional loan for a mortage I was told by my bank they could only get FHA loans because all of their loans require I have three credit cards for more than 12 months. While my credit score is excellent, I only have a single card, with a few student loans being the only other thing on my report. I have no debt, loans paid off, a heafty down payment but was still denied a conventional loan. This is a problem in my area because most of the housing options (looking for a condo) in my area will not take FHA loans. What would be my best options in this situation? I'd really rather not pay rent for another year. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 07:13 PM PDT I have ~30 years before retirement. The recommended fund, and where my 401k money currently is, is this 2050 retirement plan (LIPIX). I was looking at other options in my 401k portal and noticed that VTSAX has a very low expense ratio (.04) and also pretty successful returns. Any thoughts on if I should split my 401k contributions between both funds? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Completely messed up my finances by avoiding debt for years... how do I move forward? Posted: 09 Apr 2019 03:52 PM PDT Hello- here's my situation; I am 25, and around $20k in credit card debt that I have completely ignored for the last 2-3 years because of severely neglected mental health and drug addiction. Didn't leave the house, shower, groom myself, etc for months. Last month I checked myself into a psych ward after standing over the Korean Vet's Bridge in Nashville and contemplating jumping off for a few hours. Family got involved and I am now back home in Los Angeles living with my dad, taking medication, starting a new job, and going to therapy- so things are on the up & up. However, I am now faced with also mending my finances and getting myself back on a path of self-sufficiency. In addition to my credit card debt I have a $13k car loan that is 90 days in default, $5k in medical debt, and I owe $5k in taxes this year. I received an inheritance from my grandmother's estate in three payments. $9k in October, $9k in December, and I will be receiving $4k next week. I spent the first two payments almost entirely on drugs, alcohol, Postmates, and other meaningless bullshit. I have -$150 in my account and about $20 cash I honestly have no idea what to do or where to start. Although I know I'm smart, I have very little financial intelligence. I'm considering filing for bankruptcy, consolidating my debt, or maybe contacting creditors individually and trying to negotiate settlements with them but I'm worried about having 7+ payments to make each month. My credit score is in the low 400s (yeesh) I am most likely going to voluntarily repossess my vehicle (which I purchased in October). I know the sidebar states no legal discussion- but did I do anything illegal by purchasing this car even though I had unpaid debt that I had been completely avoiding. Will this affect filing for bankruptcy? Will my having inherited almost $20k and blowing it on drugs affect me legally? Seriously what the hell do I do? Any advice is helpful- please go easy on me I know I fucked up. **Repost because my original was removed for [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Buying a car for the first time soon, needing advice Posted: 09 Apr 2019 08:22 PM PDT I usually lurk on this sub, but I would really appreciate your guys advice on buying a car. So here's my situation: I'm in college right now, only working on breaks but I have a good amount saved from scholarships and working during high school and breaks, I know I could not handle working while in school. I have to buy a car before January because I plan to start nursing school then and it will all be off-campus. What is the sweet spot for a budget for a used car? I'm not going to finance, and the absolute highest I would be willing to go is 9,000, but I'm thinking my budget should maybe be more like 7,000. I think I would consider buying a rebuilt title car, obviously with a mechanic looking at it first. I trust the car dealer because he's sold my family several cars and we know him pretty well. I really just need it to last for 3 years (obviously longer would be ideal) it should be easy enough? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| My fiance and I are struggling to solidify our living situation for next year Posted: 09 Apr 2019 04:45 PM PDT Hello. Didn't really know where else to post this, but I am also going to try my best to make this post as short as I can. To start, my fiance (21F) and I (22M), currently live together, however, she recently accepted an internship offer to work at Disneyworld in Florida from June 2019 to January 2020. Our lease is up in July and she has her housing taken care of/figured out for the duration of her internship. Meanwhile, I am having trouble figuring out what to do/who to live with/how long to live wherever. I'll try to break things down and explain each category I listed in my previous sentence: My fiance accepted her offer about a month ago and we had planned that if she did not get the job, that we would just move into the place next to our current one. Our current place is about $450/month/person and includes water, electric, sewer, trash, etc. Location is not bad, floor plan is furnished with bed sets, dressers, desks, large kitchen appliances, etc. However, apartment amenities are not reliable, front office is rude, maintenance is slow, and our floorplan was not well kept by the previous tenant so we moved into a place that was - and still is - very dirty. The place next to us is between $500-$550/month/person and includes the same utilities as our current place, also furnished, also has a rude office and slow maintenance (according to Google and Yelp reviews we've read), also furnished) but it is a little newer (hence the spike in rent). My fiance got the job and I couldn't be more happy and excited for her! She is upset that she has to leave for 6 months, but I think it is great that she has the opportunity to pursue her dream career (being an Informal [Animal/Environment] Educator at Disney), and I tell her every time she brings up her concern that I am proud of her and excited for her to begin this summer. Now I will be staying in Arizona, working full time for my Alma Mater as an IT specialist but am debating on whether or not I should live in a [OPTION 1] 1x1 apt floorplan on my own and try to upgrade to a 2x2 when my fiance gets back in January, [OPTION 2] do a 2x2 apt floorplan with my younger brother (22yo) and upgrade to a 3x2 or 3x3 when my fiance gets back (and we both agreed that living with my brother would be okay), [OPTION 3] do a 2x2 with my brother for 6 months and have him sign over his lease to my fiance when she returns, OR [OPTION 4] rent a 2x2 or 3x2 house and dig out some of my brother's and mom's old furniture from my mom's storage (bro would probably be asked to move out after 6 months like in option 3 depending on how many rooms the house has). However, this [OPTION 4] would be most expensive since bills would add extra vs apt w/utilities included IMO. Also, I assuming for options 1-3 that I can find apts that have utilities included. The reason why my brother would get the hook, and may get it right now from me (getting the hook translating to not living with me for a full year/at all) is because I have been trying to invite him over to my current place, and he has just been blowing me off for his friends or making up excuses not to come over. He is also in the middle of a nasty breakup and has been on/off with his ex, only complicating my decision to ask him to possibly room with me. I am thinking of doing [OPTION 1] if he doesn't get back to me soon but am fearful that my mother will give me shit for not including him, as she has done so in past situations. I make around $1800 a month and the most I'd be willing to pay for rent with roommates would be $500, without would probably be between $600 and $700. Anyways, family drama aside, and trying to get to my point, my bread and butter here sooner, I am wondering: Would it be possible to follow through with [OPTION 1] or any of the options I list in a feasible manner (i.e. asking to upgrade floorplans in an apt complex, or asking my brother to sign over his lease to my fiance)? Lately, I have contacted few offices and so far they have either told me that [in regards to my options 1-3] it depends on availability of 2x2 or 3x2/3x3 floorplans come January 2020 (which of course), OR that they cannot do anything like that (due to lease lengths and whatnot, or without someone to sign their lease off to her). My fiance and I are worried that she will not have a place to live when she comes back to Arizona. I am also not trying to blow off my brother, but for me, it's not only a snooze-you-lose type of deal, but also a my-fiance-and-I-are-trying-to-live-together-just-the-two-of-us type of deal. He understands this, yet - given other times where I have been accused of putting my future wife before my own family - it's almost becoming a choose between family and fiance scenario and it makes me uncomfortable. If any more details are needed, feel free to ask me in the comments or private messages, this post was a quick write up before I clocked off at work! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In over my head and need some suggestions Posted: 09 Apr 2019 05:51 PM PDT Warning: long post. TL;DR: $45,000 in debt, looking for suggestions. I'll start by prefacing this is a throwaway since I'm embarrassed I let myself get in to this situation. Also, I apologize for any mobile-related issues (apparently that's a thing?). I'm in debt to the tune of $45,000 and it's None of my bills are late as I am able to make my payments every month, however, I put gas, groceries, personal care, and pet food on credit cards. I also have a budget and have had one for as long as I can remember. I know what my bills are, but neglected to track my credit card spending. It hasn't caught up to me until now. My cards are almost all maxed out, and I'm trying to figure out an attack plan. My budget is below...any advice would be greatly appreciated! I'm considering chapter 13, but if I can cut back my expenses and sell things I don't need, I'm not sure if it would be worth it. Another option I'm considering is to continue paying minimums, and barely scrape by until I can lower the monthly payments enough to slowly pay them off.
Help! Please! 😳 Edit: my first attempt at tables (will delete if horrendous!) [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 07:24 PM PDT Forgive my ignorance on the topic of finance. I am trying to learn more. I have a commission based job. Sometimes I make enough money to put myself in a higher tax bracket. My company also has a 401k match. From what little I understand about a 401k it seems that it is taken from your gross income. If I were to increase my contribution would that potentially lower my taxable income to a point of setting me in a lower tax bracket? This is also my first post so if it is in the wrong place please let me know. Thanks in advance. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| I forgot about an old HSA that went into remittance. What are my options? Posted: 09 Apr 2019 11:00 AM PDT Due to a host of circumstances in the last 3-4 years, I put my old HSA account from a previous employer on the backburner. After not logging in for a while, I realized that it is now in remittance and I have located in with the state of Oregon's property search. It is a significant amount of money and I want to be careful about how I proceed. I am mostly concerned about how the taxes and penalties will be involved in handling the money from here out. I have never gone through the process of reacquiring money that's gone into remittance, so I have no idea how it works. If I go through the lost property process with the state, will I be penalized and taxed the same as withdrawing from an HSA for non-medical expenses? Can I claim this money and have it put straight into another HSA and avoid taxes/penalties and continue using this money for HSA reasons? OR will I just claim the money and then be expected to pay the penalties and taxes come tax time next year? I am not quite sure how to proceed from here and I want to make the smartest decision. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 09 Apr 2019 06:39 PM PDT My mom did a transfer of $40K from Discover online banking to Chase bank. Discover said that the federal reserve was holding the $40K and requested "additional information" from Discover, which they called my mom to ask the following questions (with answers): "Are you North Korean?" - no "How did you get this money?" - husband passed, received lump sum life insurance payout "Are you a US citizen?" - yes My question is: Is this normal that the federal reserve holds this money? They said that the information/answers were passed to the federal reserve and it'll take them 3-5 business days to review the information received from discover. Additionally, we were also given a tracking number as well for the transfer but Chase is unable to track at the moment as the money is not in transit (still being held by the federal reserve) Thank you! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gifted $40k to pay off house: taxes? Posted: 09 Apr 2019 03:41 PM PDT I'm disabled, unemployed and receiving SSA disability. My dad transferred $40,000 to my checking account so I could pay off my house. I typically don't file. Do I need to report this money to the IRS? Thanks in advance! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| You are subscribed to email updates from Personal Finance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment