Personal Finance I found three physical copies of a Walt Disney share under my name |
- I found three physical copies of a Walt Disney share under my name
- During a second round of job interviews for Company X, I was invited to fly out to their headquarters to “meet the rest of the team”. Can I assume Company X would be paying for my travel expenses (flight, hotel, etc) to HQ?
- Won expensive tickets and then sold on Stubhub, pay taxes twice?
- What things should you not sweat when examining a house for purchase?
- My credit score is 804 and I earn 36,000 a year. Just out of curiosity how much money do you think I could get for a home loan.
- Staying at a job I don’t like just for the money?
- I'm an adult under 26 covered by my mom's insurance. She's canceling coverage at the end of the month because she doesn't want to pay it anymore and the individual mandate was repealed. Do I qualify for a special enrollment period?
- Is there a way to find out if I have stocks in my name?
- I've worked under the table for years, how do I fix my life?
- Question in regards to investing in 401k and early retirement.
- 48 years old. No career, no investments. $50k liquid. Advice?
- With mounting medical debts, should I change my approach to paying my bills?
- What should I expect when buying a used car?
- Stranger is using my wells fargo card.. [rant]
- Can I get a loan without proof of income
- My mother is almost 65 and doesn't have a set plan on how she will live when she retires
- Can my bank account be seized for a old medical bill?
- What are my next steps to maximize income?
- I'm 18, I'd like to start saving money so I can feel secure and happy in the future. How do I do that?
- A couple question about federal credit union
- CIT vs Ally vs Discover
- Inherited small property, around $25k in value. How do I address taxes?
- Are homes that are rented for more than a potential mortgage payment worth the investment?
- Financed new car three years ago and now we owe more than it’s worth. What is the best course of action?
| I found three physical copies of a Walt Disney share under my name Posted: 27 Apr 2019 04:13 AM PDT I recently found a physical copy of three shares of the Walt Disney company which were apparently given to me as a gift when I was born, is there anything I can actually do with them or are they just for show? [link] [comments]  |
| Posted: 27 Apr 2019 06:11 AM PDT Company X is based in NYC but the interview was over Skype since I'm not in town. I was told to keep in contact to share when I would be free to fly over, but I honestly cannot afford that trip on my own— hence, why I'm in the market for a job in the first place. Should I assume they are offering me a paid trip over or am I expected to make it on my own dime? Is it out of pocket to clarify/ask them to pay for it? [link] [comments]  |
| Won expensive tickets and then sold on Stubhub, pay taxes twice? Posted: 27 Apr 2019 02:49 AM PDT My girlfriend won a pair of Hamilton tickets in a local contest. The company submitted contest winnings paperwork for $1000 value. The tickets are printed with $400 face value. I assume we'll have to pay ~200 in fed taxes on the $1k as contest winnings. So we sold them on Stubhub for $1k, minus their fees we'll get about $850. Do we have to pay capital gains taxes on that as well? [link] [comments]  |
| What things should you not sweat when examining a house for purchase? Posted: 27 Apr 2019 06:24 AM PDT It's always a mental struggle when examining a house - what should you emphasize and worry about? What should you not bother with. Just curious what are people's thoughts and experience with this. [link] [comments]  |
| Posted: 27 Apr 2019 02:52 PM PDT I've also got $30,000 saved up I could potentially use for a down payment. Not really planning on buying a house I'm just curious. [link] [comments]  |
| Staying at a job I don’t like just for the money? Posted: 27 Apr 2019 05:57 PM PDT I'm working at an insurance company in claims making 16.50. The benefits are pretty great. I pay $8 for my health, Vision, dental, and life, and get a decent 401k match. Thing is; I really don't like the job. Everyone who calls is already in a bad mood and takes it out on you. The office is drab, no natural light. I've only been there 2 months and I feel so much Dread that I have to go to this place. My old job was retail. I made $11.44. full time with benefits too, although way more expensive, but I liked it. I have around 10k in CC debt. In that 2 months I've paid off 2k (down from 12k) it's because I have this job. And my tax refund. I was getting by at my old job. Paid everything on time and tried to put some towards the debt, but very little left over. This job allows me to put around $500 every month towards it. I'm torn, I like making more money, but Is it worth the anxiety? I have an offer from Verizon to be a commission sales rep, but I don't really want to do that either. Plus I'd have to drive 70 miles round trip for that job. Bills are as follows: Rent: $407 Internet: $50 Heat: in the winter it's about $60 my last bill was $30 Electric: In the winter it's about $60, in the summer usually $120 Cell: $130 Food: $150 Gas: $150 Min CC payments: $250 My biggest vice is going out to eat. My wife and I will eat out more often than not. And I know it needs to change. I just don't know what I should do. My current job is mentally and emotionally draining and I am unhappy. I stress eat and am short with my family. My parents and wife have noticed. On the other hand, I feel like this job is our ticket to a slightly better life, paying off debt and saving for a house. [link] [comments]  |
| Posted: 27 Apr 2019 09:41 AM PDT I'm getting mental health treatment so I need insurance for medications and doctor appointments. I'm also an independent contractor for my mom's small business but I'm not sure if that's relevant because she as a business doesn't provide insurance, I'm just on her plan because she's my mom. I tried to sign up through Healthcare.gov but it said I have to wait until October. I tried to apply for insurance with the insurer my mom uses but it asked the same questions about a special enrollment period so I know they wouldn't be able to cover me. There are no questions for special enrollment period that cover, "my parent doesn't want to pay anymore and I have to choice." Is there any way I can get insurance coverage before October so I don't have to pay a fortune for my Healthcare? [link] [comments]  |
| Is there a way to find out if I have stocks in my name? Posted: 27 Apr 2019 05:06 PM PDT In 2015 my uncle passed away and in his will he had left me 100 shares to the Disney stock. After a few weeks of knowing this, the estate lawyer had told me there was no physical evidence he still owned the stocks and he assumed my uncle cashed out. Thing is, his sons are not trust worthy. They had gone through the house before the estate was closed, did not report valuable items to the estate, etc. is there anyway to find out if my uncle actually did cash out? Or if the stocks still exist? I do not feel like the lawyer was very professional and not interested in working to find out more about this, but I'm not really familiar on how stock purchases actually work. [link] [comments]  |
| I've worked under the table for years, how do I fix my life? Posted: 27 Apr 2019 02:45 PM PDT I am 23 years old part-time student, living in an expensive Californian city. When I was 20, I took a job "under the table" not realizing the awful impact this would have on my life. I am 3 years in domestic work, making about $45,000 a year. I am older and more experienced now and I want to get medical coverage, but also do the right thing. I've probably dug myself into a deep hole. During my time, I've saved a lot of money, so I feel like I could probably pay back taxes. What should I do to rectify my situation? I have no clue where to start. [link] [comments]  |
| Question in regards to investing in 401k and early retirement. Posted: 27 Apr 2019 06:42 PM PDT Hey all. I appreciate your guidance on this. I am looking to retire early and am currently maxing my roth IRA and HSA and I have some other investments. I am investing ~18.5% of my income in a company 401k. I have read that after maxing IRA and HSA you should max your 401lk. If I retire at 45, how can I access all of that money? I know at 55 you can get that money penalty free but what about the other 10 years? Should I start investing in CDs and bonds when I am a couple of years out to give me enough to get to 55? Thanks! [link] [comments]  |
| 48 years old. No career, no investments. $50k liquid. Advice? Posted: 27 Apr 2019 11:19 AM PDT Throwaway. Due to poor planning and natural disasters, I find myself in an odd financial situation. I've searched posts and FAQs but didn't find much that is applicable. Here's a summary of my situation:
I'm trying to determine how to generate the most cashflow and/or asset growth to get me through the next 40-60 years. I've been considering a wide variety of options but am second guessing everything, so could use a few fresh opinions. Any thoughts to help this late-starter pick up the pace? Is there a standard approach for this sort of situation? All ideas welcome, traditional or offbeat, conservative or aggressive. ** Edited to clarify: I do not have any concerns about finding a job with benefits, and probably 401k matching. What I do not expect to find is a well paying job where I can catch up on my savings. I'm hoping for are some ideas on the best way to leverage my current liquidity to improve my overall trajectory. -CL1 [link] [comments]  |
| With mounting medical debts, should I change my approach to paying my bills? Posted: 27 Apr 2019 06:25 PM PDT Hey all, I posted in the weekday thread but did not receive any responses. Should I be doing anything differently? My medical debts are growing and I wonder if there's a better way to handle it
Income: >Salary: $42k gross, paid every other Friday (benefits/taxes listed below in the current payments section) >401K: $3k approximately. I contribute 5% my employer matches with 4% >CD (1.98%, approx 7 months old...matures in September): $1,232.93 >Expecting approximately $1,200 in mileage reimbursements in the next two weeks, with an additional ~$200 the month after >Savings: $4,501.43 (plan is to be used for school so I dont need to take loans out) Debts: >Credit Card #1 (Interest: 11.24%): $6,333.46 >Credit Card #2 (Interest: 18.15%): $5,495.59 >Student Loans: >>1 (3.4%): $2,389.93 >>2 (6.8%): $421.30 >>3 (3.4%): $825.90 >>4 (6.8%): $3,855.16 >>5 (3.86%): $5606.73 >>6 (6.21%): $9,088.07 >>7 (5.84%): $10,945.17 >>8 (6%): $15,946.03 >Car (daily interest $0.22): $1,133.21 >Medical: approximately $20k and increasing by $130-$150 weekly, plus approximately $40 per month in medications Current Regular Payments:
>Student Spotify/Hulu/Showtime Subscription: $5.40 monthly
>Critical Care Insurance: $3.83 biweekly >Dental: $11.69 biweekly >Long Term Disability: $1.29 biweekly >Health Insurance: $145.13 biweekly >Vision: $2.95 biweekly >Short term disability: free >Life Insurance ($42k): free >Taxes: ~$250 biweekly
So...how should I proceed? Any advice or suggestions welcome [link] [comments]  |
| What should I expect when buying a used car? Posted: 27 Apr 2019 07:07 PM PDT So my girlfriends aunt is selling us her 2010 Toyota Corolla for $1700. There's nothing wrong with it except very minor problems that can be fixed easily. So she's giving it to us for really cheap. It sells for about $5000 (used) or so. The car is in her name and we need to switch it to mine so I can do Doordash and Grubhub and all that. Also I'd rather just have the car in my name anyways. I'm just unsure of what everything will cost. This is my first car so what else should I be saving for? I'll need new stickers, insurance, and then Idk what else. I'm 18 and I'm about to get my license in a few weeks. I know how to drive but I haven't officially gotten it yet. Edit: I'm in Illinois. I'm moving to a different town so I'll have to change the stickers anyways (I think) [link] [comments]  |
| Stranger is using my wells fargo card.. [rant] Posted: 27 Apr 2019 07:05 PM PDT Called Wells Fargo yesterday asking them to freeze my account because I can see someone trying to buy gas, google play store apps, and Netflix subscriptions on it. They assure me they'll fix it, give them my info, they tell me everything should get cleared up. I look at my account today, and the same dude is still using my card. I call Wells Fargo again about why these new transactions are actually GETTING APPROVED when the account SHOULD be frozen, and the lady sounds just as confused as me. I ask her if I'll get reimbursed for all the purchases, and she says MAYBE?? Thieves really feel no shame? Using a stolen card to get movies and games? I work hard for my money.. end rant. [link] [comments]  |
| Can I get a loan without proof of income Posted: 27 Apr 2019 05:11 PM PDT Not sure if this is the right sub to ask this, but i'm wondering If I can still get a loan (car, home, or personal)without having a real "job" Most of my income comes from babysitting which I usually get paid in cash for, as well as some other random jobs. I probably make about $1600-2000 a month. [link] [comments]  |
| My mother is almost 65 and doesn't have a set plan on how she will live when she retires Posted: 27 Apr 2019 09:28 AM PDT So my mother has been a cashier for over 10 years. She has an ESOP through the company and currently has about 130k. Next year, she will be able to collect a $1700/month social security check. She told me she wants to work another 5 years while collecting the check (maybe part time at some point). She does not own any property and we live in California and rent isn't cheap. I've asked her how she plans to rent when she retires and it seems like she thinks she'll be living with me? I've told her my plans of wanting to buy a home with my fiancé and have land, and she's essentially said she would pay for us to build a small cottage on the land for her and would pay our property taxes as rent. I'm only 28 and don't know if this would even be feasible for my fiance and I anytime soon. Now, I'm not totally put off by the idea when she is older and needs more help, but she's definitely got another good 10 years. What would be the best plan of action for someone when they retire if they don't have a big enough "nest egg"? I'm wondering if she should buy a condo? Keep renting? I'd appreciate any advice on how to direct her. Thank you! Edit: I appreciate everyone's advice but I do not need anyone asking me about my relationship. My fiancé is 100% included in all discussions about this and we've already established what we are and aren't comfortable with regarding the topic. I'm not just making decisions without him in mind, but thanks for the concern. [link] [comments]  |
| Can my bank account be seized for a old medical bill? Posted: 27 Apr 2019 04:58 PM PDT I'm In North Carolina (see statute of limitations info below) back in 2010 I was broke and not working and my gallbladder went bad. The hospitable removed it, I told them I could not afford it so they tried to do it under a hard ship case. They did it anyway me being unactionable and not having the amount I think it was 40-60k. It was charged off (I don't think it showed up on my credit report (but the anesthesiologist did.)I have had steady income for the last 9 years. I never have had my wages garnished or anything. It fell off my credit report, Bought a house and have had about 3-6k for the last 1-2 years in my bank account at all times. My father passed away and life insurance paid out 50k. My normal doctor is at the Hospital I had the debt with, so they know all my current info (and have all along). So am I safe? In Nc the sheriff has to go to the bank and get the money. What if I move my Money to Ally and put it into a CD? I heard Ira's are safe from judgments (Don't know if I have one) However, I'm not being harassed by bill collectors anyone. As far as I know I was not sued ever. So what now? Nc Debt info.......... (How long can a creditor collect on a debt in NC? In fact, the original creditor can continue to try and collect on debt indefinitely. But after three years from the last payment, they have no legal teeth and after seven years, it falls off your credit. In North Carolina, debt buyers are prohibited from collecting on debts aged beyond the statute of limitations.Jan 24, 2019) [link] [comments]  |
| What are my next steps to maximize income? Posted: 27 Apr 2019 04:46 PM PDT Hoping for some guidance on what to do next. Would like to consolidate and keep things simple. Went through the prime directive flowchart, but still nervous that I'm not maximizing my money. Me: 32 years old. Working in the medical field in SF/Bay Area. Single. No kids. Currently renting. Started later in life with contributions to my 401k so still behind where I should be. Started my most recent job a few months ago. Went from 70k to 134k annual salary. Pay bump coming in the next review cycle in Jul/Aug (150-160k) Current holdings:
Any suggestion on where I should start putting my money after I meet the 2019 401k contribution limit? Did I screw up on the 2018 Roth IRA to Rollover IRA? Do I sale the stock, pay the long-term capital gains tax then use the funds to buy the ETF's or mutual funds? Or is there a way to transfer stock direct to ETF/MF without being taxed now? [link] [comments]  |
| Posted: 27 Apr 2019 08:31 PM PDT My family has always been way down on the spectrum of financial stability, as in they can never afford to do anything nice, go on vacations, or do anything that isn't the bare minimum of having a house, food, and a car. More than half of my family is like this, and I don't want to be like them. My aunt is in her 40's, working three jobs. My uncle just turned 50 and hasn't done very much with his life besides stay inside all the time drinking, smoking, and browsing the web. I live with my grandparents, but my own mom is about to turn 40 and has never even owned a house. Might I add, she's in jail currently. My dad is barely living off scraps in a trailer trying to provide for two other people, and is never able to pay all of his bills on time. I don't want to end up like them, but the direction I'm going in, it doesn't seem like that's going to happen. My grandparents aren't going to be able to help me either, because this isn't the same world they grew up in and they're the kind of older people who are stuck in 1955. That's an exaggeration, and I love them, but you get my point. I'm sorry for rambling, but I feel so hopelessly lost. None of the people around me are happy with their lives, and I really don't want that. At the moment, I work a part-time job at McDonalds and have a GED. I will never make it in life like this. What are some steps I can take to start saving money now? Can investing money actually help me make money in the long-run? If so, where do I start? I'm debating going to college, or at least community college in the future, but right now that would be a terrible mistake because I'm still trying to figure out what I want to do. But any suggestions, thoughts, advice, ideas are welcome. Anything, really. [link] [comments]  |
| A couple question about federal credit union Posted: 27 Apr 2019 08:21 PM PDT I am going to be opening up my first bank account and I hear good things about credit unions. I don't really know how any of this works but are there any negatives to it? I am looking into a bank called Logix and was also wondering if these take cash deposits since I get paid in cash at my job. Thank you [link] [comments]  |
| Posted: 27 Apr 2019 08:19 PM PDT If I wanted to have business checks ( i get 7 or so per month) deposited electronically to my local brick and mortar. I want to ACH to a HYSA to let sit and grow and just keep a few thousand locally in case of emergency. Does anyone have any experience with these ecosystems and which are easy to transfer to / utilize / get money from if I needed it or pay bills through etc. From myundersatndng CIT is just savings correct? no checking ecosystem with it? Oh and any other options i should highly consider Thanks [link] [comments]  |
| Inherited small property, around $25k in value. How do I address taxes? Posted: 27 Apr 2019 10:57 AM PDT My sister died in 2016. Before she passed, she put me as TOD on the title of her double wide and on a beneficiary deed for her land. Our agreement was that my brother would be able to live on the property until he passed, and then I was free to do whatever with the place. My brother and his gf ived on the property from the month after my sister's death in 2016 until he passed last October. He and his gf made monthly payments to the mortgage which was both in my stepdad's and my sister's name. This mortgage will be paid off in October or when it sells. I did not benefit at all financially from this situation, it was a break even scenario. My sister had a small cash account that I was also on and I used it to pay taxes, insurance and well repairs, and it will be gone in a couple months. My brother's gf is moving out at the end of this month and I plan to sell the property. I read the IRS info on inheritance, and I think I understand that I'm only responsible for the difference in value of the property from my sister's death in 2016 to when I sell it. Is this correct? How do I assess its value then vs now? Tax assessments or do I need to hire an appraiser? Also, given that most county assessors consider a double wide to be personal property (it is titled) rather than real estate, would this be subject to different rules under IRS guidelines and what would those be? Lastly, if I need to get professional advice, would I need an attorney or an accountant/CPA? Thank you! [link] [comments]  |
| Are homes that are rented for more than a potential mortgage payment worth the investment? Posted: 27 Apr 2019 03:14 PM PDT I live in an expensive region (as is given away by my username) and I've notced a bizarre pattern: When looking into investment properties, almost all of the units Ive seen for sale that are currently leased, are rented for $200 to $400 less than my theoretical monthly payment with 20-25% down. And this is factoring in a competitive financing interest rate. Does that mean rents are too low or sale prices are too high? Are any of these worth considering as an investment? This ratio was not as extreme even a few years ago, but I don't know what to make of it. [link] [comments]  |
| Posted: 27 Apr 2019 07:58 PM PDT It's my girlfriends car. She financed it when she was 21 with bad credit and a co-signer. The car is now worth less than her loan and we are trying to figure out what the best step to take is. The car has a had a few problems along the way (mostly electrical and intermittent). She wouldn't mind a new car but I want to figure out what the best move is financially. Should we try to pay it off or get rid of it before the value goes down even more? It's a 2016 Ford Escape if that helps. Thank you all for your support! [link] [comments]  |
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