- My American company allows me work remote from anywhere, permanently. I want to move to Canada (dual citizen). I'm meeting a tax expert tomorrow - can you advise me on how to prepare?
- My husband and I have almost paid off a joint student loan debt but we want to buy a house in 2021. Should we drag out payments until after the home purchase for credit purposes?
- I’m currently 15 and I’m mowing lawns making 15$ a week and have made 140$ so far what’s my next move
- 'Need' to buy an SUV or truck because of snow? Think again.
- Is there ever a reason to be loyal to a company you work for?
- [California] "Affected by natural disaster" - Does this remark on my credit report have any impact on my credit or future loads?
- High Yield Savings Account
- Sudden death of a parent. Cannot locate will or life insurance info. Looking for advice on how to proceed.
- "Cash Offer" on home. Complications, Questions and advice?
- Made some very serious mistakes regarding money but I’m trying to turn it around. Where do I start?
- How valuable is Bank of America Preferred Rewards?
- Fraudulent charge
- Is it best to empty my savings to pay off my student loans now?
- If I cosign on a home loan, will that affect my ability to finance a car from a dealership?
- Refinancing with tradition mortgage or HEIL
- Being Kicked Out, Housing in Short Supply
- Child Support and Credit Karma
- 21 Years old no credit
- 35 y/o, nothing in savings/retirement
- At what point should Collision and Comprehensive coverages be removed from Auto Insurance?
- Refunded escrow from refinance
- Likelihood of getting approved for apartment w/ no income?
- Returning a car to a dealership shortly after signing.
- Taxes not paid from escrow/freedom mortgage
| Posted: 20 Oct 2020 11:37 AM PDT Hi Everyone, So I am a dual, American-Canadian who has not lived in Canada, ever. I grew up on the border in Niagara Falls, so I was always next to Canada and would waltz over the Rainbow bridge probably 3-5x a week to visit my family on the other side of the gorge, but had no need to live in Canada. Anyways, my job just informed me that they'd let me move away from the (ridiculously) expensive job market to anywhere within an hour flight of my current city. This puts Toronto squarely in my sights. I have tons of family there, I already know the city, and it's insanely, INSANELY more affordable than my current city. I'd also get paid in Americabux - $$$. However, my company does not have an entity in Canada, so that will raise some questions about the feasibility. Obviously I can't use Reddit for international tax law advice, so I have a consultation with tax specialist, who focuses on Canadian-American tax law, jobs and personal finances tomorrow morning. What questions should I ask? How should I plan for this meeting? I know they can't give me a magic bullet, but I want to make sure I'm equipped with the proper mindset and understanding to get the most accurate information, or scenarios from this tax expert to relay to my company. With the information that the tax specialist gives me, I can then approach my company armed with information to hopefully come to something in my favor. I hope I'm making sense. I just had my 3rd cup of coffee of the day and am a bit jittery! [link] [comments]  |
| Posted: 20 Oct 2020 08:27 AM PDT I'm salivating for the opportunity to pay off the remaining $25K now (we started at $220K total so the salivating is real) but am worried about our credit going down with these accounts closing. We have the funds to pay off our student loans without touching our 20% down payment, closing costs, and emergency savings. Aside from our student loan debts, we each have a financed car. When I closed out one of my student loans about 3 years ago, my credit took a substantial hit. We have credit cards but pay the entire balance monthly. Our student loans have pretty low interest rates - 4%. At this point, we are each paying about $40 per month in interest. Does it make sense to keep payments going until after the house buy? How long will it take for my credit to bounce back? With these numbers, does it make sense to just pay it off and free myself and my husband in about $1K in monthly debt obligations for purposes of obtaining a mortgage? Thank you, Reddit community! Update: both cars are financed at 0% and 0.9% so no need to pay these any earlier. Student loans are at 4% with about 25K jointly remaining. My credit score is on the cusp of excellent (760) and my husband is in the 800s. My understanding is that the lower FICO score is the score that will determine our interest rate. My concern is that paying off my student loan will bring me out of the excellent credit tier and affect the interest rate that we would get. I'm also concerned that if I pay my student loan, the only remaining installment loan is my car loan which also affect one of the variables that determine a FICO score. [link] [comments]  |
| Posted: 20 Oct 2020 07:32 PM PDT Hello I'm currently mowing lawns and doing seed eating and I blow off driveways with a leaf blower after the job is done.... I charge 15$ for a front yard and 24.99$ for front and back. I've gotten a repeat customer that requests a weekly front yard mow every week and have gotten some single time requests from other people and I've gotten 140$ all together in total. Financial experts of reddit please tell me what I should do with my money. Savings? Investments? Tell me. [link] [comments]  |
| 'Need' to buy an SUV or truck because of snow? Think again. Posted: 20 Oct 2020 06:18 PM PDT Minnesota got quite a bit of snow today. About 8 inches where I live in the Twin Cities. Every time winter rolls around, I get mad at myself for purchasing a Mazda 3 because of how poorly it handles in the snow. It does have front wheel drive. The positives for winter driving start and end there. I have about 50k miles on it and thus needed some new tires on it before this winter. I decided to go the snow tire route and could not be happier. You can find loads of videos on YouTube that show how much better they are. My experience with the snow tires today - it braked, accelerated and handled as good, if not better than my wife's AWD 2017 CX5 with all-seasons. So how does this relate to finance? I was convinced I was going to get rid of the car soon. I drive 50 miles round trip to work and it was miserable driving in the snow with poor control/traction. A set of snow tires and rims for $740 from tirerack completely changed my mind and most likely saved me from buying something bigger with AWD. So, for all you out there thinking you need to dump your car to buy an SUV or truck due to the winter, you really don't. Do some research, buy a set of snow tires, and enjoy the ride like I did today. [link] [comments]  |
| Is there ever a reason to be loyal to a company you work for? Posted: 20 Oct 2020 03:46 PM PDT I've always been told that there's never a reason to be loyal to a company, and if something better for you ever presents itself, take it. Current employer be damned. But thinking about my job, I really think there is reason to be loyal to my own company, so I kind of wanted to get you all's opinion and input. For background, I work for a small law firm with about 25 employees. Here's what they've done for me so far beyond normal employee benefits: • Last year, I wanted to travel around SE Asia because it's always been a dream of mine. I wanted to go for about 4 months. They let me go on the trip, guaranteed my job when I got back, and gave me 50% pay while I was gone. I remotely worked about 10-15 hours a week. • When COVID hit, instead of laying anyone off, the partners of the firm took pay cuts. • There's no child care, and they have no problem with employees bringing their kids/pets to work whenever they need. • Everyone's birthday is celebrated in the office. • (not for me) When an employee's job was contingent on passing the bar exam but she failed, they held her job for another 5 months so she could take it again and pass. • Normal office hours and 8-4:00, but they had no problem with me coming in at 10-10:30 (and working until 6) instead because I don't like waking up early. • I've stayed in the office late a few times, and one of the partners almost always tells me to go home and not spend my whole day working. • I'm pretty good at meeting deadlines, but they've never given me any shade when I've asked for more time on things. • All of the partners are willing to spend considerable amounts of time answering questions, critiquing writing assignments, giving research advice, and being overall mentors to myself and the other attorneys. • Not to mention that the office just has a really awesome vibe too. I'm sure there have been more that I'm just not remembering off the top of my head. To me, these are all reasons to be loyal to the company instead of just jumping ship as soon as something better comes along. I mean how often do companies like this even come along? Just wanted to hear what you all had to say. ETA: The impetus for this post is another job offer for $6K more than I currently make. [link] [comments]  |
| Posted: 20 Oct 2020 11:40 AM PDT I live in California. Though recent wild fires have not affected my area particularly, it was within 100 miles of my house. My mortgage company has added remark "Affected by natural disaster" on my credit report. Does this remark have any impact on my credit? Will the future lenders will take this into consideration while approving me loans/refinance etc? [link] [comments]  |
| Posted: 20 Oct 2020 08:53 AM PDT Hey guys, I was looking for recommendations on a high yield savings account? I have a small chunk of change (20k) I want to do something with besides sit in my bank and do nothing for me. Any suggestions would be great!! [link] [comments]  |
| Posted: 20 Oct 2020 05:32 PM PDT My boyfriend's father passed away suddenly and unexpectedly after an accident over the weekend. I was hoping for some advice on our current situation, as I have never dealt with this before, and am unsure of what to do. I'm trying to help his family out as much as possible. General information about the situation: My boyfriend's father, who was in his early 70s, passed away suddenly after an accident over the weekend. Jack and his family live in New Mexico. His wife, also in her 70s, is still alive. He had two adult children, both in their 30s. His estate includes his house (which he owns outright), ~4 cars, and at least two bank accounts. We are not sure how much money is in the accounts. He is a retiree. We are not sure if he had a life insurance policy. I called the probate court in our county, and found that he did not have a will on file. We have been searching through his paperwork and computer, but have not found a will or anything similar. What I need help with: To be completely honest, I have no idea how to proceed from this point. I am trying to help his family as much as I can, but I'm not sure what to do. What would be the best way to go about this whole process? I am not 100% certain what all needs to be done, or how we would go about doing them. Some questions I have: To be honest, any kind of advice on what we should be doing would be appreciated more than you could know. We are all still reeling from how suddenly he passed away, and having some kind of guideline for the bureaucratic aspects of this situation would help so much. I apologize if this is all over the place, I'm kind of operating on fumes in terms of sleep and energy and stuff. Please let me know if there's any additional information I can provide, and thank you for any help you are able to offer. [link] [comments]  |
| "Cash Offer" on home. Complications, Questions and advice? Posted: 20 Oct 2020 11:04 AM PDT I mentioned I was thinking about selling my house and moving to extended family member and they immediately made a "cash offer" on my house . I thought they meant the normal Check / Cashiers check or similar but they actually mean physical cash. Turns out they don't trust banks and have a mattress savings account. Extra details. I'm 95% sure the source of this money is legal and has taken 15+ years to amass. (it was originally intended as their recently deceased daughters 18th birthday gift less than 100k total ) I own the home completely in my name, the mortgage is completely paid off years ago, and their are no liens against the property. The offer is very slightly more than we would expect to sell the house normally, but skipping the real estate commission on top, and immediate sell makes it very attractive. The home is currently worth less than I paid for it, because someone put up chicken houses on our street less than a mile away. (every house on our street that actually sold, listed for 2 or more years before selling way below previous purchase price.) Questions.
Option 1. I think the best option is they deposit the cash, they answer all the questions the bank has and then they make a check out to me and I transfer house to them when the check clears. However, this is going to be a hard sell because they don't trust the banks at all. They technically do have a bank account they just opened it with minimum balance and use the bank to cash their physical pay checks. (Not deposit just cash them) edit to add..
Option 2. My first thought is that I could just meet them in my banks parking lot (so the buyer takes all the "civil forfeiture" risks) , they hand over the money I deposit the cash and sign over the house. I'm guessing the bank will need me to fill out some extra paperwork to declare where this money came from. Is this going to be a big deal? Will the bank even accept the cash? Is this going to cause a problem for the buyer? Option 3. Accept the cash, and use it to pay any living expense, which offsets expenses into savings to effectively transfer the money into the banking system. Big drawback here, would be fire, robbery, and transporting money to new state opens up Civil Forfeiture risks if I act nervous and get pulled over. On top of all that, It would take us 3 to 5 years to consume that much cash, so we are losing out on interest it we could have earned, but more importantly means that our plans to buy a new home in a new state goes from something to do next year, to something that is delayed at least 2 extra years. Option 4. Deposit the cash over time. I'm thinking this is the worst possible option because it takes legal money and then makes it illegal because of "structuring". I'm thinking if I wanted to go this route, we would need to actually have him make physical payments to us over time, and provide receipts and charge interest. [link] [comments]  |
| Made some very serious mistakes regarding money but I’m trying to turn it around. Where do I start? Posted: 20 Oct 2020 11:41 AM PDT I am expecting my first child in February and am trying to turn my life around financially because I now realize it is not only me that I have to take care of and I want to give my child the best life possible. If the post is too long I'm sorry I just want to explain my situation because I feel very overwhelmed and have no clue what to start with. I'll start out by saying that I have recently had a bit of a gambling problem. I have self excluded myself from sports books as to not dig my whole deeper. As of yesterday I have a BOA account which is -300 in my checking and -500 in my savings. I get paid bi weekly, so twice a month. I had to open a new bank account with no overdraft at all and it's simply just a checking account with a debit card because I have bills to pay and if I get my check in that account it will be all gone. They keep charging me for things even though my account has been negative for about 2 weeks. I am thinking of calling and just telling them to freeze my accounts until I can try and pay them back. I get paid $13 an hour. My checks are usually around 825. My fiancé makes the same and gets paid on the weeks I do not. My credit score is 479 with multiple credit cards in collections, hospital bills, and a previous bank I had that was $300 overdraft that has gone to collections. I am overdue on my internet by $189, overdue on payments for a mattress we bought by about $200, my fiancé's account is -$700 right now. I also am behind on my gas bill by -$160. My fiancé pays for car insurance which is about $160 every month and her car payment which is $95 twice a month. We pay $500 in rent. Also, just two weeks ago my fiancé got sued by a debt collector and we settle for a payment of $600 so now on the 16th of every month we have to make an $130 payment. Obviously my first step should be making sure my bills are all caught up right? I just feel terrible that my BOA is so overdrawn and just keeps getting worse. I don't want that to go to collections because that would just be disastrous for my credit and I wanted to try and get a car with our income tax this coming year. I don't see how that can happen now with our current situation. Where in the hell do I go from here? Typing this out is even more overwhelming than when I was just thinking about these things in my head. I have no clue how to get on top of this and I feel like I'm drowning. I feel like we will never get my fiancé's account from in the negatives and I need to make sure my child is taken care of. We have plenty of family that is helping with baby essentials which is great but come time for us to bring her home idk how we will be okay financially by then. I fully understand that this situation is only a creation of my own mistakes, I just want to get on top of it. Any help is appreciated. Thank you. [link] [comments]  |
| How valuable is Bank of America Preferred Rewards? Posted: 20 Oct 2020 07:45 PM PDT Hi friends, Edit: context of post veers a bit from the title, but I don't think I can edit now, apologies in advance! I've changed jobs a few times in my career, and as a result I have 2 old 401ks from previous jobs that are no longer eligible for contributions. The funds involved are pretty good, and cheap so I haven't really worried too much about rollovers, but constantly checking multiple institutions is kind of annoying, but doable. I currently have investments at Merrill (current 401k and Roth 401k), Fidelity, Vanguard (current personal Roth IRA, and TRowePrice. I realized I'm eligible for some relationship/account opening benefits if I rollover to a new IRA at another institution, namely JPMorganChase, BofAMerrill, Fidelity etc. In all it would be around $150k in rollover money (mainly Vanguard/Fidelity/iShares index funds). I'm somewhat of a churner, having a bunch of cash back/rewards credit cards, and also have a bunch of checking/savings accounts optimized for high interest, my primary checking/savings (hub accounts if you will) are at PNC Bank, through their Virtual Wallet Checking Pro with no fees, branch access, free checks, and high rates on the savings account. I guess my question is, of my 3 options, do you think it would be worth it to consolidate my retirement at Merrill for the account opening bonus, Platinum Honors benefits on banking and credit cards; or perhaps better off with just a similar opening bonus at like a Fidelity/Schwab, while keeping my banking as is, or just eschew all of it and park my retirement at Vanguard? Or perhaps another option I'm not considering? Also most of my retirement accounts are mix of traditional and Roth deposits - would that complicate a rollover? I know it's ultimately my decision, but would love your thoughts. [link] [comments]  |
| Posted: 20 Oct 2020 06:24 PM PDT Hello, So I lost my Discover C and a fraudulent charge appeared on my account. Reported it to the bank immediately. The charge was through PayPal. The bank said they should remove the charge in week or so. Till now and after 8 days the charge is still there. My questions are: 1.Usually I pay my whole standing balance on timely basis. I don't pay partial balance.The problem my balance is almost 600$=the fraudulent charge+ my expenses. So if I pay only my expenses, will that cause any interest on my account? I mean if the Fraud charge takes longer to resolve?
TIA [link] [comments]  |
| Is it best to empty my savings to pay off my student loans now? Posted: 20 Oct 2020 08:49 AM PDT I am a senior college student with 4 loans accumulating to about $63,000. They are: $21,510.07, $17,825.07 (both at 8.875% int), $13,019.74 (at 7.775% int), and 10,942.48 (at 8.000% int). I've lost my job due to quarantine, but I've been able to save a lot thanks to unemployment and being back on school. I've managed to save almost $18,000 dollars-- I was wondering if it was best to pay off my smaller loans completely at once, or wait until I save up enough to pay off my largest loan in one payment? I know it's not recommended to drain my savings, but I'll never be in a position to save so much again. [link] [comments]  |
| If I cosign on a home loan, will that affect my ability to finance a car from a dealership? Posted: 20 Oct 2020 06:48 PM PDT A little rundown, I'm 20 years old right now, I have always paid my debts, nothing ever late, a good amount of accounts open, etc. My credit score is currently at 730ish, and my mother is attempting to get a home loan, she was approved for about $150,xxx but she want to be able to get more. She is asking me to cosign on it as well because she says it'll "help me when I go to the dealership" and that in a year she'll be able to take my name off. Will something like that tank my score? I've taken cards out and paid the debts, things like that but nothing ever that big. Just need a little guidance, thanks again! [link] [comments]  |
| Refinancing with tradition mortgage or HEIL Posted: 20 Oct 2020 10:37 AM PDT My partner and I want to take advantage of the lower interest rates a refinance our home, ideally through our current lender but not necessarily. I've spoken with a mortgage specialist and he suggested a Home Equity Loan to replace the mortgage. This isn't really something I'd considered and can't tell if he's trying to railroad me into something that is better for them (PNC) or me. The rate on the traditional refinance is 3.125% and will likely cost about $4000 in closing costs. The month savings to us will be about $150. We'll break even in just over two years and save a ton from then on out. The HEIL has a rate of 3.99% but there would be no closing costs at all. It would save us about $90 per month, starting right away. We love our house but do see it as a starter home. There's a chance we'll want to move in 3-5 years. Thoughts? Does anyone have experience with an HEIL repacking their mortgage? TIA [link] [comments]  |
| Being Kicked Out, Housing in Short Supply Posted: 20 Oct 2020 08:18 PM PDT Hey guys, I'm at a little bit of a loss. I'm 20, I live in subsidized housing, and I now exceed the current income limit and have been served with a 45 days notice. This will be my first actual move on my own. I live with my girlfriend who is in between jobs, so I currently have to fill out rental applications with my income alone. I make about 2.6k net and 3.4k gross a month. The problem with that is rentals in my town within my price range are in extremely short supply due to I assume Covid and the eviction moratorium for some folks. I have found a single realtor with rentals available, all of which float around the 1-1.2k a month mark. The neighboring town is the same story. All of these places have a rule where you need to make 3x the rent to be eligible for a rental. Considering 2.6k is my net income I am not eligible for any of these rentals unless they use gross pay, which I plan to clarify tomorrow. That's all I'm worried about, I have plenty saved up for moving expenses, I've done the math and I could easily get by in these rentals even if I don't quite meet the 3x requirement, the only problem is that I may not quality for these rentals. I'll apply anyway but what should my next steps be in the case that I don't qualify for these rentals? Should I bring up that my girlfriend is in between jobs? Should I pick up a few extra days at work to artificially inflate my income (The realtor in my town bases income off of paystubs)? I'm at a loss because if these rentals fall through it seems like I'm pretty much screwed. [link] [comments]  |
| Child Support and Credit Karma Posted: 20 Oct 2020 07:54 PM PDT I have an account "child support' that is on my credit. My problem is that over the last 24 months it's showing I've missed 14 payments, which is holding back my score. I'm not sure why these were reported as late payments to the credit bureaus. I have proof of these payments being made in full and on-time during that period. It's documented by the state. I'm wondering how I can contact someone about fixing this? Any advice helps. [link] [comments]  |
| Posted: 20 Oct 2020 07:24 PM PDT Need assistance I'm not too knowledgeable on credit cards or anything of that nature I've managed to save up around $22,000. Employed/Student very fortunate enough that I don't have to pay rent or any bills except for my phone bill. My problem is I'm trying to get a car but have no credit history I can buy it but would like to build credit too what is best for me I need more advice on what credit card to get and what to take into consideration I don't have bills at the moment so what would be best for my my bank is Bank of America should I just go for their cash rewards card no annual fee the first year will they even accept me since I have no history at all. I've heard about secure cards but which one any finance advice I can use I'm trying to turn my life around after high school I dropped out and didn't work. But managed to save a lot thanks to my parents [link] [comments]  |
| 35 y/o, nothing in savings/retirement Posted: 20 Oct 2020 10:54 AM PDT I've been poking around my options on how to save the most money and put myself in the best financial footing moving forward; it is overwhelming. I read the 35+ advice thread and so far, the one thing I am decided on is putting in enough into my 401k to get the max employer match (I am putting in 6% (5400), they are putting in another 4%). The 401k is all I've ever done in my life for retirement, and I've cashed it out twice (most recently in March). Last month, I nailed a promotion that jumped me from 47k to 90k/year. So I can technically, in gross figures, save 40k a year and still live off 50k. Should I put in enough to hit the 401k cap of 19,500 a year? Should I also put in 6000 into an IRA? Another 3550 into an HSA? Should find an investment manager and put the excess I want into stocks? I tried researching this stuff but I got real frustrated when it was all based on "when do you plan to retire" and "what will your tax burden be at that time?" Like... Right now. And I have no idea. So I guess if my real answer is "ASAP" and I just start throwing 40k into savings of some sort, what's the best way forward? [link] [comments]  |
| At what point should Collision and Comprehensive coverages be removed from Auto Insurance? Posted: 20 Oct 2020 06:40 PM PDT Essentially as title. Kelly BB has my car valued at about $3,000 private party value, but how is this truly calculated? I have a 2010 Hyundai Elantra with about 150k miles on it, I can't believe for one minute that I could get $3k for it, so I assume I'm missing something in terms of understanding this. I guess the crux of it is, who determines the value of the car when deciding if a repair is worth more than that value? Car is and has been paid off for years, but annual policy renewal came in, and I can't believe they want $232 for Collision and $75 for Comp. for the car. [link] [comments]  |
| Refunded escrow from refinance Posted: 20 Oct 2020 08:21 PM PDT We refinanced to get a lower interest rate and everything went smoothly. Still waiting on first months payment details, but today I get a sizable check that was the balance of our escrow account (property tax/insurance) from the previous mortgage owner. I assume that amount will now be paid by the new mortgage company, but should I proactively provide those funds to the new lender or just cash it and be ready to pay when they ask for it? I wasn't expecting to be an intermediary here and would have thought they would have just paid the whatever amount they had collected to date when the loan was bought out. [link] [comments]  |
| Likelihood of getting approved for apartment w/ no income? Posted: 20 Oct 2020 08:13 PM PDT I'm applying for an apartment that is $690 a month. I currently have no job because my husband passed and I had been taking care of him for the past 7-8 months. I have been job hunting for the past month but have got nothing. Now i'm worried about not getting approved for the apartment. I currently have 12k in savings and am having my father (makes 8x the rent) sign as a guarantor to help my chances. Is the likelihood that I will get approved very low? If so, is there anything anyone would suggest to strengthen my attempt? [link] [comments]  |
| Returning a car to a dealership shortly after signing. Posted: 20 Oct 2020 07:54 PM PDT Hey all, A close relative of mine is in a dire situation. She was recently in a wreck, the incident was because of another driver slamming into her car from the back and the insurance swooped in and totaled out her car and is sending a settlement. While waiting for a settlement, she purchased a car from a reputable dealer, who didn't bill her a down payment immediately on signing because the settlement money hadn't arrived yet. It takes some time, and a couple weeks pass and the settlement money isn't here yet. So still no down payment. So, some compensation comes in for the delays and she finds a for car to outright buy for much lower and escape paying monthly payments and full coverage for insurance. But she went with that decision, an ultimatum was issued from the dealership, either produce a down payment or return the car at 9:30am yesterday. So, she returned the car, got her car tag, and purchased the much lower car in full and has mentioned that she no longer has interest in the car from the dealership. I realize that her credit will take a hit, but whats the full legal ramifications that will take place? Tldr: What will happen if someone returns a car with no down payment a couple weeks later and defaults on the loan? [link] [comments]  |
| Taxes not paid from escrow/freedom mortgage Posted: 20 Oct 2020 05:42 PM PDT I was just notified by the city that my property tax hasn't been paid and I have a $200 penalty. I pay almost $600 a month in escrow that pays pmi, insurance, and taxes. WTH?! I don't have and extra $4k sitting around. I did a streamlined refi with them recently but I didn't receive a big check refunding my escrow. Has this happened to anyone else? How was it resolved? I sent them an email but haven't heard anything back yet. [link] [comments]  |
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