Personal Finance US - bank is holding a deposit that cleared the originating bank four days ago - is there *anything* I can do to get my deposit released? |
- US - bank is holding a deposit that cleared the originating bank four days ago - is there *anything* I can do to get my deposit released?
- Given $6k solely for investing towards my future, is Roth IRA the best/safest route?
- Bought a new 2019 Honda Fit Sport and regret it
- Using a 529 to pay off student loans
- As you enter 2020, start and maintain a budget sheet throughout the year (and beyond). It will give you more control and power over your finances.
- Update on employer shorting me vacation time.
- About to be homeless with no car or even a license
- Someone opened an overseas account - Fraud
- Selling company and retiring. What’s the best way to invest?
- 60 Year Old Husband May Go On Disability Soon. Need Advice on 401K Distributions.
- My financial plan
- Need help to restart my life
- Switching contributions from 403(b) to 457(b) - does this make sense?
- I’m still confused about HSAs
- Check your credit card statements from the holiday period. Found 5 fraudulent charges inc $350 at ProFlowers??
- At age 19, can I be ultra aggressive in my roth IRA positions?
- How to segment your mid to long term savings (wedding, children, house, ect.)
- How to get your money back from FSA?
- Temporally reallocating SEP IRA to be more conservative in divorce?
- Having my first child next summer, I'm active duty and will be transferring over my college benefits to him/her. Since I wont have to save for their education, where is a safe bet to set aside about 5-10k for them so it at least doesn't lose value over 18-25 years?
- Helping Making Budget
- Help budgeting for 2020
- What recourse to I have for an insurance company that refuses to respond to claims?
- To take a student load or not
- How do I get a better auto insurance deal? 825$ semiannually at statefarm California
| Posted: 31 Dec 2019 06:02 AM PST Wife lost her job two months ago, we have hit the reserve fund pretty hard and I pulled some money out of investments to keep things flowing. I wrote a check from my investment account and deposited into my regions checking account on 12/24. On 12/27 the money was removed from my investment account, but regions put a hold on the deposit until 1/7 "until the funds clear". The funds have cleared. I need that deposit to cover my mortgage, if I wait until the 7th I will be late...I have never made a late mortgage payment in my life...and this is causing me a bunch of stress. The funds have cleared...regions has my money hostage! Is there anything I can do to move this along more quickly? I posted my issue to twitter, and the bank responded...but they refused to do anything. Help? EDIT: First, thank you /r/personalfinance, your response has been awesome!!! Next, I wanted to add that I spent several hours on the phone yesterday trying to get the bank to release the hold before I posed here or twitter...my original post didn't really make it clear that I had tried the usual channels first...lol Finally, I went to my local branch at lunch...and the Branch manager had the day off. (Sigh). Oh well...thanks to you guys I know I'll get my money in a few days, and my mortgage company doesn't consider a payment late until the 15th, so I don't need to sweat that. I started moving my money to a local credit union today, but it will be a few days before I can close the old accounts completely. ...and I'll DEFINITELY be taking advantage of ACH from here forward...lol. Thanks again everybody...you people are awesome! [link] [comments]  |
| Given $6k solely for investing towards my future, is Roth IRA the best/safest route? Posted: 31 Dec 2019 07:13 AM PST Hello all, long time lurker, first time poster to this sub. Some background: 25yo, graduating with a BS Electrical Engineering degree this spring with zero debt to my name including student loans. Have roughly $7k in savings while working a paid part time internship of which I have been able to dedicate about 20% of each paycheck into savings give or take a couple months. This position also has a full time offer ready for me prior to graduating. This position will provide many benefits including 401k matching, however I'm not positive on how much but will definitely max out the matching as soon as the benefits are provided. These finances are unrelated to the lump given to me, just wanted to start by eliminating the option of investing into current debt since there is none and I believe I'm financially stable at the moment. I have incredible parents and family to thank for no student loans in which I will be forever great full for. I believe this has been what has driven me to be successful and continue down the path of ensuring none of my credit cards acquire any outstanding balances after a statement. Okay now to get to it short and sweet. A close relative has passed away and I have been gifted $6k in the form of a check with the sole purpose to invest in my future. I have never dabbled into the thought of investing as I haven't had the funds available and have just been busy with school and trying to create a small savings. With this check I was also given a book called "Your 20's" by Peter Dunn since my mom knows I have zero existing knowledge about investing. I have skimmed through this book to gain general terminology since finance is not an engineering course so it is all very new to me; also because it's actually a very interesting read and written in a way such that i can understand. From what I've gained so far, Roth IRA seems like a safe investment in which provides a great return over a longer amount of time. Like I've stated, this money is solely for investing in my future so I do not want to risk losing it by dabbling in the stock market personally or really anything that provides similar risk. My only catch is that I'd hope to be able to purchase a home within the near future; say 3-5yrs. Now I don't think that this $6k can get me a 20% down payment covered in such short time, however I'd like to be able to invest it in a way that can be accessed for contributing to my first home. This is where I'd appreciate some insight. Since I'm not super familiar with all of the processes and terminologies, any responses written in a ELI5 format would be highly appreciated however not mandatory. I will try my best to decipher anything not fully understood. Thank you all if you've made it this far. TLDR; Gifted $6k solely for investing in my future. Want to make a safe investment with decent returns while also being able to access the money to help provide a down payment on a home in 3-5yrs. [link] [comments]  |
| Bought a new 2019 Honda Fit Sport and regret it Posted: 31 Dec 2019 07:02 AM PST Please just give me advice, I know I'm stupid already, no need to tell me. I am 20, bought a brand new car for $18K (came out to $21after taxes and whatnot). I am a first time buyer, my parents don't have good credit and I couldn't get a cosigner. So my dumb ass agreed to an 18% interest rate. Payments are about $450/month, but I am paying $1000 to try and pay it off faster. I live with family and have basically no other payments besides my car insurance and phone bills. I have only had this car a couple months And have already paid over $1,000 in interest. FUCK. ME. My old car was 20+ years old, so it's nice to have a reliable car now, but the payments are not worth it. I financed with the dealer. I bought a cheap motorcycle last March and financed it at my CU to build credit, even tho I could've paid with cash. I have all of the money already in a separate account for the motorcycle. I'll have it paid off in March. This means I'll have a year of history with my CU and then they'll let me take out an auto loan for a little lower interest rate. It's probably still pretty high seeing as I don't have a cosigner and am still a first time buyer. Please help me get out of this mess. Is it worth it to just sell this car and buy a used one? Or did I screw myself and just have to play damage control now? [link] [comments]  |
| Using a 529 to pay off student loans Posted: 31 Dec 2019 07:37 AM PST I've heard that the SECURE act has recently passed and now a 529 plan may be used to pay off up to 10k in student loans. I live in New York. Is it worth my time to set up a 529 for myself in order to pay off my existing student loans? [link] [comments]  |
| Posted: 31 Dec 2019 05:43 PM PST Hey all, this is my first time actually contributing to the sub. Usually I come here for advice but now I have some for you. At the end of 2018 I downloaded a budget template and logged all transactions throughout 2019 and I have never felt more in control of my finances. By keeping an indepth budget sheet I was able to pinpoint and realise where my money was going where it shouldn't be and to where it should be going instead. Being able to track every cent I spent or earned was the best thing I did in 2019. You don't need to use the template I am, but I would recommend it: https://www.thefrugalgene.com/budget-spreadsheet-free-google-docs-planner/ The biggest obstacle is to keep yourself motivated to continue filling it in as the year goes on. Keep your receipts to make it easier. If you share your finances with an SO or similar, keep each other motivated. At the end of the year you will find yourself in a much more powerful position when it comes to your finances. Logging all my expenses made me see how much money I wasted on junk food and the sorts. If anyone has anything else to add please do so as I wont claim I have all the answers. I hope this post helps some of you :) And lastly, Happy New Year everyone! [link] [comments]  |
| Update on employer shorting me vacation time. Posted: 31 Dec 2019 06:19 AM PST Thanks to all those who helped. I spoke with HR this morning, it was just an oversight on their part, my file hadn't been noted to reflect what my offer letter stated so after the holiday when they updated vacation time they went off of their normal policy. As soon as I said something to HR they knew about my offer and that I started with 2 weeks and they fixed it. [link] [comments]  |
| About to be homeless with no car or even a license Posted: 30 Dec 2019 12:05 PM PST So, I'm going to turn 18 in about a month. I've just been informed that even though they (my legal guardians, who are my grandmother and my father) have refused to let me get even a learners permit, and even though I am still in high school and getting fairly good grades, I will be expected to move out within 2 weeks of my 18th birthday. This came as a surprise because my brother is 19 and still lives with them, but at this point I don't care about that. I don't know what to do. If I had a car, I think it would be easier, since I could get to work and to school and have a safe(ish) place to sleep, but I'll be getting my learners on my birthday (if all goes well). There's no way I can drive. I have no family in this area, and while I could talk to my friends and their families about staying there for a while, that's only a temporary solution. I do plan on talking to my school and to my guardians to see if I could get an extension until I have my license but I've never lived on my own, and i don't even know how I'm going to be able to go to college. Any advice is greatly appreciated. (Also, if this is in the wrong place, please let me know! Thank you!) Edit: some people suggested joining the military, but due to a disability my local recruiter said that would not be an option to me. Some F.A.Q Why are they kicking you out? I've explained this in comments, but I don't know. They only told me that it's because I'm going to college. They also wrote up a contract stating I would never go to college which doesn't sound like it would hold up in court. What is your disability? I respectfully decline to share more details about my disability; the only things I am willing to share are that it affect my ability to walk, and that I am unable to run. Where do you live? I'm in a rural part of West Virginia. Can we donate? No. Asking for money isn't something I want to do, and also I think it may be against subreddit rules. What career do you want to go into? I'm planning on attending a Community college for a degree in computer science. I've already been accepted! Are you drinking or on drugs? No. I don't do either, I'm not interested in an addiction that will ruin my life. Can't you go with your mother? Sadly, my mother passed away 10 years ago. [link] [comments]  |
| Someone opened an overseas account - Fraud Posted: 31 Dec 2019 08:18 AM PST Hi all, 2 days ago I had received an email, granted it's an email that very old but something caught my eye and it's that I had opened a debit account with a IDFC First Bank The login started my name and obviously old email. I tryd calling with there provided customer number but I'm unable to call from the us to there oversea branch, so I emailed them with fraud alert to which a computer generated responds with a ticket number. I changed all the passwords in my old and current email. Today I got an email starting that the account which I'm suspecting fraud on with my name as a login and it stated that 100,000 had been deposited into that account, rather it be usd or rubes I'm not sure. But what do I do? I tryd contacting them with no response, I checked my credit score and no new account have been opened and checked my bank and no transactions have been made, where do I go from here what steps should I be taking to protect myself and my finances. Thanks everyone, I'm freaking out here [link] [comments]  |
| Selling company and retiring. What’s the best way to invest? Posted: 31 Dec 2019 07:48 AM PST My father in law is selling his company and planning on retiring, and needs advice on how to invest his money. He has $75k in cash in the companies name, will get $350k upon sale of the company, $50k paid out over the next 12 months, and will stay on as an advisor for 12 months receiving a salary of $100k. I am assuming he will be getting social security as well (he is over 66). He has never really invested (no 401k, IRA etc) and needs advice on how to invest his money. He will need to consistently withdraw some money from his investments to supplement social security. He also has some serious medical issues that incur charges. What would the best investment strategy for him be? [link] [comments]  |
| 60 Year Old Husband May Go On Disability Soon. Need Advice on 401K Distributions. Posted: 31 Dec 2019 04:42 AM PST Hello Financial Wizards. I'm looking for advice. I'm 52 and husband is 60. We live in Indiana. Husband has been sick for a while and is considering applying for disability. He works at a stone quarry and is no longer able to do the work. We have roughly 500k in 401ks combined, he has around 435k in his. If he starts taking distributions from his 401k will that impact the disability that he can receive? Thanks a bunch for advice! [link] [comments]  |
| Posted: 31 Dec 2019 09:25 AM PST My plan (17M) I'm (17M) a senior in high school and have been saving money my whole life by working a ton. I have accumulated 11,000 in my roth and have about 13,000 in ally bank savings account. Next year i am going to college and staying home, and pretty much have a full ride. I would love to purchase a home and rent it out or get a duplex and house hack. Would this be possible? I am currently working as a server, interning at a real estate office and have side gigs (walking dogs, house-sitting,etc). Next year I plan to get my real estate license (already purchased the course) and start working part time. Any thoughts? Investment tips? Anything is appreciated! [link] [comments]  |
| Posted: 31 Dec 2019 08:31 AM PST Here's my financial situation: Brief backstory: I have bipolar disorder, not only is it hard for me to keep a job but during manic periods I spend like a fiend. I'm talking about maxing out a credit card and going to Dubai for a week – type of mania. I'm 35, I live at home, have no savings, no 401k, am $64k in debt and my credit score is 600. I started a job 4 months ago in NYC, and for the first time ever, I've been living on a budget. I make $100k a year. With this new job, I have the following monthly budget (roughly):
Since I started this new budget, as of today I have $3300 in savings, $4100 in 401k, and reduced my debt to $57,000. I have paid off 4 credit cards ($1k, $1.1K, $3k & $3.5k) My outstanding credit card balances are $19k, $14.5k, & $5k. I also maxed out a Line of Credit of $18k. I'm now paying off by highest interest rate. With paying off the 4 accounts, I now have an extra $320 per month. I decided to cap my debt payments at $2k and to keep the additional income for myself as it's been really tight (again this is my first budget and it's been super hard, plus I live in NYC). This month I'm anticipating a tax return of at least $3600. I plan on splitting it in 3rds and putting $1.2k in savings, $1.2k in an emergency fund and $1.2k towards credit card debt. By March, I will have paid off the $5k credit card balance, and I then plan to use that saved monthly payment to start an emergency fund of $100 per month. As well as increase my monthly savings to $800 per month. In April, I will most likely be getting a $10k bonus (I already hit my targets). I plan on putting all of it towards my credit card debt. My plan is to get a consolidation loan once I've reduced my debt by half – exactly a year from now. Figuring a $30k loan at 10% over 60 months, comes out to $550 a month. The savings will all go toward an emergency fund (checking account), savings account, and an additional account so I'm not living paycheck to paycheck. By April 2021, I plan on moving to Atlanta (I can relocate for work). I'll have roughly $25k in savings, $15k in my 401k and $3k in an emergency fund. Here are my questions:
[link] [comments]  |
| Switching contributions from 403(b) to 457(b) - does this make sense? Posted: 31 Dec 2019 07:12 AM PST I work for a state government and have been happily contributing to a 403(b) for a few years now. I have about $105K in that account, plus a Roth IRA and a pension. I recently learned about the 457(b) option, and it seems to be a better deal. Whereas the 403(b) requires me to reach 59 1/2 before taking withdrawals, the 457(b) doesn't, as long as I've left my job. This is of particular relevance to me because I should be able to retire with full pension at age 53. I am not so fortunate that I am able to hit both the 403(b) and 457(b) contribution limits. I had been putting 12% of each paycheck into my 403(b). I opened a 457(b) a couple months ago and now put 6% into both accounts each month. My question is: should I be putting my monthly contributions in the 457(b) *instead of* the 403(b)? Should I keep contributing to the 403(b) and just put a greater amount in the 457(b)? Part of my confusion is that I think the math should make it the same either way from a growth standpoint, but it feels weird to stop/reduce contributions to the 403(b). If it matters, both accounts are with Fidelity, and they both have pretty decent investment options and low fees. Thanks for any advice! [link] [comments]  |
| Posted: 31 Dec 2019 08:55 AM PST My husband and I have separate insurance coverage through our respective employers. They are both high deductible plans and we can contribute to our individual HSAs. What is the limit on our contributions? Is it one amount total between us? Thanks! Edit: Thanks for explaining we can each contribute $3500 to our own plan. Are we still allowed to use the HSA card on each other's expenses (eg. I use my husband's HSA card to pay for my prescriptions)? [link] [comments]  |
| Posted: 31 Dec 2019 10:05 AM PST With all of the craziness and extra spending of the holidays, I'm sure fraudsters are more active than ever. Please check your statements! I normally check my transactions once a week on my card's mobile app but with all of the Holiday business I hadn't checked it in 2 weeks. I had 5!! fraudulent charges totaling about $600 that occurred right around Christmas. I called my cc company and luckily so far they have reversed the charges. The thieves had 3 purchases at Aldo shoes, and 2 at ProFlowers — $350 of flower purchases?? Maybe someone can explain this to me. I understand the shoes.. but the flowers? Anyway! Be careful out there! Edit: two suggestions to turn on notifications — just did that. Additionally my card offers a "lock card" feature on the mobile app — I'm thinking about locking it and unlocking it for purchases then locking again. Only issue then would be subscription services hmm [link] [comments]  |
| At age 19, can I be ultra aggressive in my roth IRA positions? Posted: 31 Dec 2019 02:01 PM PST Hey Personal Finance, I work a couple part time jobs and currently go to college studying cybersecurity. I opened an Roth IRA earlier this year and will max out my cash contribution by the end 2019 season, so far I've been using Fidelity ETFs. After opening I called and I was advised by the Fidelity worker to put my money in aggressive positions like an SP500 index or an 85-90% stock fund (FAMRX) positions as they really don't even make a retirement fund for my age. About half my IRA funds are in FAMRX, and the other half I just started placing in other places like FTEC (Fidelity Tech Sector ETF) and FVAL (Aggressive Value ETF). I'm so far away from retirement (nor could I honestly ever really see myself retiring, but working part time doing something, I can't stand doing nothing somewhat meaningful) I don't see the harm in being this aggressive but I'd like to hear other's opinions (not aggressive enough, or too aggressive) and what would your suggestions be? I'd like to be aggressive, but also not stupid aggressive if you get what I'm trying to say (or maybe I should be stupid aggressive if the long term effects are minimal) [link] [comments]  |
| How to segment your mid to long term savings (wedding, children, house, ect.) Posted: 31 Dec 2019 12:49 PM PST Hello, I recently interviewed for, and was offered, a new position that will take my annual net salary from $60,000 / year to $110,000 / year. I'm 25 years old living in The Bay Area. I am planning how to allocate my new income strategically, specifically with an eye towards medium / long term goals. I have my plans made for retirement and investing, but I'm curious about how to make sure I consistently save for upcoming planned expenses, such as a wedding (I need to save for a ring too), home purchase (currently renting), and vacation(s). My priority is to make my money less accessible to myself to avoid lifestyle creep, while keeping funds earmarked for their intended purchase(s) (ie: a ring, Christmas / holiday gifts, a house, ect.) Is there a way to cleanly segment my money like this aside from opening 3-4 bank accounts? [link] [comments]  |
| How to get your money back from FSA? Posted: 31 Dec 2019 06:03 PM PST So, FSA is a pre-payroll tax deductible account that can be spent on health-related expense to lower your tax. Sounds wonderful right? NO. It's an effing nightmare. And I need help trying to recoup my money back. I put nearly 2k in it this year (2019) intended for some dental work. So here's why it's a nightmare. I paid out of pocket on certain procedures to save on time waiting on dental insurance pre-authorization. The billing statement from the dentist office shows many line of codes, some of which include my payments made some include the payments made by the dental insurance. I submitted that, together with the transaction receipt to my FSA company. The FSA company DENIED everything because they were not sure which payment the insurance had made on which procedure and which procedures are still awaiting the insurance payment. How did that even matter?? I paid for the dental work out of my own pocket. That should be the end of discussion. FSA is my own money. Yet the FSA administrator repeatedly denied reimbursement from my FSA for my out-of-pocket expenses. They cited they had to obey by IRS rules but could not specify what rules they were trying to comply. I just don't understand how the dentist office awaiting insurance payment has anything to do with me paying out of pocket (on different procedures) and asking reimbursement back from FSA (which is my own money from payroll basically.) The FSA administrator is P&A Group out of Buffalo NY. What can I do now? I got 2k locked up in it. Had I been reimbursed fully, the amount would be down to ~$200 to be carried over to next year. EDIT: Hey yall, thanks for the replies. Let me clarify that I only submit to FSA the out-of-pocket expense for procedures which I paid 100% and I deal with insurance myself, no dentist office involved. EDIT 2: Okay I think got you guys. I should wait for insurance to fully reimbursement then submit what the actual cost of the procedure is to the FSA people. I think it is freaking stupid because FSA or checking account it is my money why can't I just use it?! This is my first year fully employed after graduation so I'm still abit novice on this. I naively signed up for FSA next year but I probably won't get this FSA no more. The tax saving wasn't worth the headache. [link] [comments]  |
| Temporally reallocating SEP IRA to be more conservative in divorce? Posted: 31 Dec 2019 06:49 AM PST I'm getting divorced and have around $190k in my SEP IRA. As part of our divorce agreement, I'll be transferring $75k to my wife's IRA once the divorce is finalized. We sign the paperwork soon but it is my understanding that I can't make the transfer until the divorce is officially granted — which might take up to six months to move through the courts. However, I'm worried about a large market downturn in the meantime as I'd still be required to transfer the $75k regardless of market movement (i.e if the market drops 50% I'd still be required to transfer 75k.) Is there a smart way to reallocate my account to be temporally ultra conservative until all this is settled? Is this possible? Is this a dumb idea? [link] [comments]  |
| Posted: 31 Dec 2019 02:52 PM PST |
| Posted: 31 Dec 2019 12:58 PM PST Hi all. Long time lurker, first time poster. I have recently gotten myself into financial turmoil due to being very irresponsible. Long story short, I covered my parents a** too many times with the promise to be payed back, however I now sit $20k in credit card debt. I have not made a payment in two months simply because I cannot afford it. I'm 23 years old, attend college, and I work part time. I'm looking to get a second job, but I take 18 credit hours per semester along with working 20 hours a week. I approached my parents about resolving this issue over holiday break, but it ended up turning into a huge feud. They currently pay my rent which is $705 per month (pretty cheap where I attend college) and I pay for everything else (car is paid off, utilities, basic living, etc). I have about a year and a half left until I graduate and I have virtually no savings because I threw it all of this debt. I want to work my way to be financial independent by the time I graduate. I won't have a problem having a job lined up after graduation as my school also has a 99% placement rate. I don't make much money right now but I wanted to get some suggestions on how I should be budgeting. I work 20 hours a week standard (Monday-Friday) with at least one weekend, which is an extra ~10 hours. I make $9 an hour and get paid biweekly (receive next paycheck on the 10th). The only expenses I have are groceries, light bill (usually around $50), gasoline, Apple Music ($5/month),iCloud storage ($.99/month), dog food once month (~$45), and then some miscellaneous such as pet grooming (varies between month and bimonthly), vet (every 3-6 months) and that's basically it. I owe on the credit cards as well, but the minimum payments are way to expensive at this point. My parents are supposedly saving up to finally pay me back but I'm not holding my breath. Any help is so much appreciated. I know this is probable simple to do, however I just wanted some thoughts and opinions so I can hopefully figure out the best solution/budget. Thank you so much and ask away if you need more information. [link] [comments]  |
| Posted: 31 Dec 2019 08:47 AM PST Yes I realize this is a constant topic but I was hoping someone could share an example or a template of an excel sheet I may use to track my expenses/budget for the upcoming year. I've looked into Mint and YNAB but would like something to track my spending, know where I can make changes and overall see where I can save to later invest. I don't do very well with automated apps but I do great writing things down and checking up on them on a daily basis This year I expect positive growth but I do not feel ready if I don't have my finances in check Background; This will be my second year doing taxes and first year doing taxes as an employee (non self employed). Work full time and flip video games as a hobby for some extra cash My previous mentality was that as long as I have something left in my checking account I am good (need to seriously change that). I try not to spend unless I have to but sometimes I see my bank account and have no idea where most of it goes Any help or input is greatly appreciated [link] [comments]  |
| What recourse to I have for an insurance company that refuses to respond to claims? Posted: 31 Dec 2019 12:48 PM PST I've been trying to get a claim through my travel insurance and they keep stalling. it's been several months now since I first submitted my claim. The first 3 times, they claimed they did not receive my claim. After they were finally able to confirm that they received it, they keep saying things like "oh we will respond in 10 days", "we'll respond in 48 hours, etc". It's been months of the same thing: me calling and them saying the same over and over again. They never reach out. I've requested managers, etc. They're all useless. At this point I just want my money back for the annual premium I sent them at the beginning of the year because it's clear they're not serious. Is there anything I can do? [link] [comments]  |
| Posted: 31 Dec 2019 06:41 PM PST *in the title I meant loan, instead of load. No way to edit the title. Hey folks - After all the expenses, 401K etc, my savings for the month are ~2500, location - CA. After saving for a 6 month emergency savings fund, I've ~50,000 USD left in my savings account currently. My spouse is starting college this year, and the in-state tuition fees are ~20000 each year for 3 years. With these numbers, I'm not sure if we should be taking a student loan each year for three years (or) use a combination of monthly savings + savings account money to pay of the yearly tuition. Any suggestions? [link] [comments]  |
| How do I get a better auto insurance deal? 825$ semiannually at statefarm California Posted: 31 Dec 2019 01:42 PM PST it was 625 last year, then 785, now 825 for this year. i did have a minor accident 2-3 years ago when premiums went up to 800s but ive been spotless since and have low mileage driven. any ideas on best practice for getting the best prices? is there some way to haggle like buyinga car [link] [comments]  |
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