Personal Finance Things to consider when exchanging funds in a Roth IRA |
- Things to consider when exchanging funds in a Roth IRA
- Best place for 5-10 year investment?
- Fiance dealt a crap hand, wanting to see if anyone has pointers.
- [CA]Parents divorcing with no savings between them
- I've spent 15 years building credit on the wrong SSN due to a clerical error (one digit off). How can I fix this?
- Need help with 75 yr old mom's 20k debt
- Comparing ETFs to Mutual Funds when it comes to taxes and expense ratios
- My car just died completely. I have no idea what to do.
- Help with a confusing offer
- The lady we are buying a house from called us...
- Debit cards for kids
- Think I am overpaying for my employer health insurance?
- Offered $20k to relocate, need help understanding what my best move is!
- Should I get two health insurance plans?
- Lowering my ambulance ride bill?
- Do I really need a financial advisor for backdoor roth IRA?
- 30 Years Old, no idea what to do with my money.
- School debt (school wants their money now)
- I Went From Making $40,000/YEAR to $20,000/MONTH Within 8 Months. How Do I Best Invest This Money To Secure My Future?
- IRS expands Identity Protection PIN Opt-In Program to Taxpayers nationwide
- Selling a Used Car with a few nicks and scratches
- Dont know what to do after high school
- My W-4 still shows single, got married in May, can we file jointly?
- Changed jobs, last employer cashed out my pension and mailed me a check (30's USA)
- How to find a job, to live, anything?!
| Things to consider when exchanging funds in a Roth IRA Posted: 03 Dec 2020 11:52 AM PST I have 100% of my portfolio invested in a target date fund in my Roth IRA through Vanguard. The target date fund comprises ~90% stocks and ~10% bonds. I did like the "set it and forget it" nature of the target date fund (i.e., well defined glide path), but I'm relatively young and am OK with being more aggressive with my investments. I've done some research, and have decided that I would like to exchange my shares of the target date fund for a stock market fund like VTSAX or VFIAX. I'm wondering if there are things I should be considering before doing this. I only see pros right now. For example, I'm in the green and the exchange is being done in a tax exempt account, so I won't be "losing" any money by doing this. I'm also enjoying learning about personal finance, so I am OK with taking a more active role in managing my investments down the line. Are there any possible cons with this decision? [link] [comments]  |
| Best place for 5-10 year investment? Posted: 03 Dec 2020 12:03 PM PST Rather than continuing to stuff my savings with cash at a low-interest rate, what is a good route to try and grow my money (let's say 10k) over about 10 years? I am currently 30 years old and contribute to my 401k with employer match for my retirement savings. I have a cash/savings account that acts as an emergency fund for about a years worth of living expenses. I do have a Roth but have not contributed since starting my 401k. I don't like the idea of not accessing gains until retirement. I understand you can take out contributions whenever? In general, what are some shorter-term alternatives? So far I have been putting a bit of money in ETFs on robin hood, but not sure if that is the best route. [link] [comments]  |
| Fiance dealt a crap hand, wanting to see if anyone has pointers. Posted: 03 Dec 2020 11:07 AM PST Hello everyone, I should start this story with that I do not live with my fiance, but I'm in another state for college and for an internship. So lately my Fiance has been having a hard time. One day she came home from work and was completely unresponsive and was mumbling and drooling. We called the ER and after weeks they said they were non-epileptic seizures. No medicines currently have been working to stop the seizures. After the seizure she found a new job as the last job was shut down due to COVID. She got unemployment for a while then found a new job so she lost her unemployment. She starts her new job, and within the first week has a massive seizure on the job and they laid her off as well and stated "We don't think its a good idea for you to work here now". Unable to find a job we tried to look into unemployment. We tried to get unemployment a couple of times, and were denied every single time because she hasn't worked at her new job for X amount of months to make Y amount of dollars. So the next avenue was to look for disability. We hired a lawyer for disability. Thankfully we wouldn't pay unless we won the case, but bad news, we lost the case. Seizures don't qualify someone to get disability. She just got a notice this morning that they are going to shut the power off. She lives with her family but they can't afford any bills. They all recently just got COVID so her parent has been off of work for almost 2 weeks now. I wanted to reach out to see if anyone else has had issues like this in the past, or has any pointers for what she should do. I've given her so much money where all my savings are gone, and I'm living paycheck to paycheck again. I could use some advice. [link] [comments]  |
| [CA]Parents divorcing with no savings between them Posted: 03 Dec 2020 01:42 PM PST My dad told my mom that he wants a divorce ASAP out of the blue. He's offered her some cash to sign a divorce agreement that waives her right to spousal support and help her with living expenses for a few months. I should also preface this by saying that my 2 older siblings have already cut all contact with them (for good reason), and I can barely handle staying in touch with them myself.
I'm still in grad school, so I don't have any money to help either of them out with anything like legal fees, living expenses, or anything else. I just want to make sure they (my mom in particular) are not left with literally nothing. [link] [comments]  |
| Posted: 03 Dec 2020 03:59 PM PST Hello, Ffr reasons I can't explain, my entire credit history of 15 years (which is accurate) has been tied to an incorrect SSN (one digit off at the beginning). I'm looking at buying a house soon and I went over my credit history and realized the credit bureaus all have the wrong number. I want to get this fixed before proceeding with a mortgage. Fortunately, my debit card and IRS/W2s are CORRECT as is my tax history. What on earth do I do to fix this? My first thought was to contact the three bureaus via snail mail with paper records of all of my historical accounts and then my CC company. My fear is that they will immediately cancel my CC though. Does anyone have any idea how I can fix this and keep my credit that I've spent so long building up? Thank you kindly for any responses. [link] [comments]  |
| Need help with 75 yr old mom's 20k debt Posted: 03 Dec 2020 07:55 AM PST My 75 yr old mom needs help with her credit card debt. Her only income is her Social Security ($1300/mth) and up until now has been making large minimum payments on two credit cards she has debt on(10k, 11k). These are two cards that she says she no longer can maintain and needs to do something about it bc they are taking a huge chunk out of her monthly income, which is making it hard to get by. She has one cc that she uses occasionally and pays off regularly. The other two are accumulated debt over 15 yrs on everyday living expenses that she should have been more wise with. If she didn't have these 2 huge minimum payments to make, she would be financially stable with her one card. My first thought was to try and negotiate a settlement with the cards on our own. If she could get the debt to be half of that and pay it off by getting a personal loan from the bank w lower interest rate, that would be manageable for her. I realize this does impact her credit score and history. But her other option, to just stop paying them, would do the same. My question here is if she does stop paying them and she receives settlement offers from the credit card company or collection agency in 8 mths or however long it takes, will her credit be tanked by then for here not to be able to take out a personal loan from her bank to pay the settlement offers? Having said all this, without my knowledge, she went and applied for a home equity loan (shouldnt she be able to get a personal loan not tied to the house?? ) and was approved but hasn't signed it yet due to a delay on banks part. I told her to wait bc she doesn't want to be in debt to the bank vs unsecured credit cards (better). So, I'm at a loss as to what the best route is to help her. I'm anxious about negotiating myself with the credit card but I know I'm supposed to get the agreement in writing before sending any payment and it's probably too early anyway since she has never been delinquent on any of her accounts ever. I recently learned about debt counceling thru NFCC. But I'm clueless as what they can do for her besides lower interest rate and maybe lower payment?? Can they decrease the total debt as well by negotiating with the companies themselves? I think this is the only way to prevent her credit history from impact? Yet I've been doing some reading and see some pretty big cons about going thru this route and am now leaning against it. Lastly, Considering my moms age and income, there isn't future potential for payment. So I don't see why creditors would be adverse to settling, right? Right now my current thinking is for her to pay off one of the cards by using a bank loan which offers her a low interest rate , then stop paying the other credit card entirely , to charge off. Wait for settlement offer she can do. I figure walking away from one card is better than two? Not sure if this is a good idea, but making the minimum payments as they are now on two 10k balances, is no longer feasible. Any advice or feedback would be appreciated. I want to help her and want to make sure she does the right thing. Even where to go for legit advice would be appreciated...thank you. [link] [comments]  |
| Comparing ETFs to Mutual Funds when it comes to taxes and expense ratios Posted: 03 Dec 2020 12:07 PM PST Is there a simple way to figure out say which is better between a mutual fund with 0% expense ratio vs an ETF with say .04% when you factor in the tax efficiency advantage of ETFs? [link] [comments]  |
| My car just died completely. I have no idea what to do. Posted: 03 Dec 2020 05:34 PM PST Hi reddit, I work two jobs currently and am trying to keep my head cool. I just found out my car, which I've only had for a year and a half, is functionally dead. Motor's shot, and the cost to repair would end up being triple what I paid for the stupid thing. I am not sure if I qualify for an auto loan. I missed one payment on my student loans right when I got laid off when Covid-19 started getting bad, just before the government stopped collecting loan payments. Tanked my credit score almost 150 points. I'm still in the fair, but because one of my jobs is technically temporary, the other is only part time, and my credit score kind of sucks, I can't find a personal loan with a monthly payment less than 2.5x my car payment. I've had to downsize immensely over the last few months. Lost my stable job, took another one that didn't pay the bills enough, and now I'm working at a temporary position (granted, one that will exist for a while, since I manage the division). I'm right now surviving the monthly grind with two jobs, but I'm not convinced I would qualify for a reasonable car payment. Especially since my health insurance cost tripled with my new job. I have no willpower and suck at planning ahead, so I don't really have any savings. My fixed costs per month run between 1400-1500 depending on the month. I'm stuck in my lease until at least next October, so downsizing further isn't really an option. I'll still owe payments on my dead car for the next couple of years at least, $118/month (that deal was a miracle at the time). I honestly have no idea what to do, where to turn to, or where to go from here. Normally I talk these issues out with my dad, but he just got word his aunt is not going to make it (covid-19). I really don't want to unload on him since he's taking that really hard. So I guess I'm unloading on you. If anyone has any ideas or resources I haven't thought of, I'm all ears. Thank you in advance. [link] [comments]  |
| Posted: 03 Dec 2020 11:49 AM PST Hi there! I recently received an offer for a position in the state of Washington that was a bit confusing. I would like to negotiate since the offer is lower than what I was expecting based on Glassdoor. I was offered a 50k salary for an Account Executive position at a PR firm, but due to COVID and the inability to move right away was told to work out of their New York office for the time being, and then my salary would shift once I relocated. In the body of my offer email, it said that my salary would be 50k but would shift down to 48.2k once I relocated. But the offer letter says 50k. That seems a bit odd? I would have expected it to shift up once I relocated. On glassdoor, the salary for this position is between 52k-58k. Right now, I'm making 40k in New York so either way they are both a big salary upgrade. This sub has helped me save and increase my net worth over the past few years and I will always be grateful for that. If anyone has any advice on how to navigate this that would be very helpful! Thank you! [link] [comments]  |
| The lady we are buying a house from called us... Posted: 03 Dec 2020 05:48 PM PST I just got a call from the lady my husband and I are buying a house from. She said her financing fell through and she's looking at other options. She said if we close on the 15th as planned, and kick her out, she'll be homeless for the holidays. We are considering letting her rent her home from us and my husband and I can stay at our place for a bit longer. Does this happen a lot? We called our realtor immediately and got him in on the loop. It feels really bad. We had a 50 Day closing and now we won't be in our home for Christmas. [link] [comments]  |
| Posted: 03 Dec 2020 11:58 AM PST Has anyone used the debit cards designed for kids like Greenlight and Busykid? Curious what your experience was/is and if it's worth trying. [link] [comments]  |
| Think I am overpaying for my employer health insurance? Posted: 03 Dec 2020 06:20 PM PST I recently started a new job, and the health insurance here is a good plan, recognized/accepted at a lot of medical practices in my area and has a decent deductible/coverage. I had the same plan at a previous employer and I contributed roughly $11 a week towards it. My current employer offers the same plan but I have to contribute nearly $120 a week for it. I am paid weekly, this deduction comes out of my paycheck each week, 4 times a month. I researched on the private market place and found almost identical plans for much less (or so i thought?) im young, (under 25) but i cant go on my parents plan because they essentially dont have health insurance. It feels like this employer is essentially contributing nothing to this plan and I am overpaying. I believe if I where to purchase the plan on the private market, I would be eligible for a tax credit due to my income being relatively low and being young, and thus would be paying less than what I am now. This just sucks because this money is consuming a portion of my budget that I wanted to be saving/using for other things. I also feel shitty because I neglected getting on a plan on my own during the enrollment period because I was assuming this employer would have a fair contribution but obviously that was stupid of me to assume... Am I now stuck? On the form they claim there is no way to change coverage unless you have a life changing event (i.e pregnancy), and open enrollment is closed. I don't have any health issues but that could change, I am an active person and my hobbies do carry some risk. If anyone has any insight i'd appreciate it. I dont know anyone else in my area paying this much for their employee health insurance contribution and I feel like im getting screwed. This is not a high paying job, and now this contribution is nabbing nearly 30% of my (after) tax income.... [link] [comments]  |
| Offered $20k to relocate, need help understanding what my best move is! Posted: 03 Dec 2020 05:05 PM PST I recently got a job in the bay area and the company offered $20k to relocate me. This includes $5k misc (don't need receipts) and $15k for anything else including household good shipping, car shipping, housing trip, settling in expenses, etc. The relocation assistance is taxed at ~37%. Here is what I don't really understand. The specialist keeps telling me that I'm better off using less of this money. But from my point of view, there isn't really a downside to using this money because they said they will withhold the tax themselves if I use their contracted service. So the taxes already come out of the $20k versus if I use my own money now then they reimburse me 63% of what I spent and I automatically lose the 37%. I also want to do a house scoping trip early next year where they will pay for hotel and per diem. I guess my question is, why not just let them book things for me and have them take out the tax from the 20k instead of booking things myself and losing 37% when I'm reimbursed. Any advice on what to do will be appreciated! [link] [comments]  |
| Should I get two health insurance plans? Posted: 03 Dec 2020 01:17 PM PST Hi all, It's open season again and I'm having a hard time making a decision. My wife and I are both eligible for decent health insurance through our jobs. I work for the federal government and she works for a hospital company. We have had separate health insurances until now and both like our providers. We would both like to keep our own insurance for 2021. Here is where I need help. The annual premium increase for her to add me to her health plan is $730 but would inscrease her company's HSA contribution by $750 meaning the net cost is -$20 for the year. Her plan also has a $3k OOP max for in network. My health is more expensive but covers the providers I want to see. It is also a HDHP. Is there a downside to being on her self plus one coverage and my own policy? Am I able to have an HSA when I am on two HDHPs? Thanks for the help! [link] [comments]  |
| Lowering my ambulance ride bill? Posted: 03 Dec 2020 12:12 PM PST Hi there! Last year, I crashed my motorcycle in NYC :( An ambulance was called and I was persuaded to take the ride to the hospital, even though it was THREE BLOCKS AWAY and I wanted to take a cab to avoid the cost. Nothing happened during the three minute ride except a police report and taking of my information. I was originally billed about $1800, my insurance paid for $900. The bill I am left with is still too high and my account went to collections. Is there any way to negotiate this down? How should I proceed? I also was able to find the billing code for the ride which was: Hc Bls - Emergency - A0429 (HCPCS). [link] [comments]  |
| Do I really need a financial advisor for backdoor roth IRA? Posted: 03 Dec 2020 05:37 PM PST I'll try to keep this brief. Got married this year, we are both maxing contributions to 401k and our income is too high for Roth IRA (and therefore for trad IRA to be tax deductible). I've been researching the backdoor IRA and most of the resources ultimately recommend a financial advisor to ensure you do it right (timing and all that). My situation seems pretty simple because I've never had a traditional IRA so I would only have nondeductible contributions. Can I just open a traditional IRA, contribute the maximum from post-tax dollars, wait a bit, and then convert the money into my roth IRA? If I don't actually put the money into a fund, I wouldn't have to worry about calculating taxes on any gains between deposit and conversion correct? If all that is true, my only other question is this - I believe there are no limits on conversion, but I would still be limited to the max (6k) for my nondeductible contribution per year - is this correct? [link] [comments]  |
| 30 Years Old, no idea what to do with my money. Posted: 03 Dec 2020 09:19 PM PST Turning 31 this month, and I literally do not know how to make smart money decisions. Any advice is appreciated. - $92.5K/year (hate my job, trying to quit) - $72,000 invested in individual stocks. (This has me the most worried. This year I turned $19K into over $70k, but I didn't even know about short term capital gains taxes until last week, so I feel like I'm gonna get owned on taxes) - $7K in Savings - $9,500 invested in Acorns - $6,000 in Bitcoin - Started an Etsy shop that makes about $1,350/month in revenue (~$700 in profit). Do I register as a sole proprietorship? Is it worth it? I'm in CA - Student loan free as of a few years ago, $1,800/month in rent - $65K in retirement Can someone help me take what I have and make some smarter decisions? I feel like having so little in savings is asking for trouble, so working on that. I just don't know the smartest way of moving things around. I really want to take advantage of the money I've been saving by cooking at home, not going out, not taking trips, etc, and come out of quarantine with all guns blazing. Maybe buy a house in LA in a few years as a pipe dream [link] [comments]  |
| School debt (school wants their money now) Posted: 03 Dec 2020 01:09 PM PST I'm writing this as a throwaway because I'm scared... I'm scared of this situation and I honestly don't know what to do.. I honestly never should've gone to college, If I had the foresight to see this. I'm 19 years old and racked up $17,000 USD. Originally I been told that my first year was going to be paid for and all was good. Then a few weeks back I get a call from the schools collection department saying I owe them the amount of $16,456.22 and that they are looking to collect in full or send it to the states collection department.. I called the states collection and set up a payment plan and was paying for a few months then 2 months back my car broke down and I had no way of getting to work which is in another town and I lost my job and I lost my place to live now I live in my broken car and writing this from a phone that's service will be shut down by mid this month... I honestly feel pathetic.. my parents left me as a boy and I grew up in foster homes till I was 16. I told the collections guy this and he told me to figure something out and call him back if not I could get into deeper trouble with the law, also he said they started garnishing my wages and that the new job I get I will begin my garnishment due to the months of not paying. Idk what to do.. none of this debt is student loans it's just school debt I never qualified for fafsa or government aid... Sorry for the long dramatic post I'm just in a very emotional state. And I need advice on what to do. [link] [comments]  |
| Posted: 03 Dec 2020 09:11 PM PST I was a part time Bartender for the last 7 years and made about $40,000/year gross including tips pretty consistently while working 2.5 days/week (friday, saturday, sundays). I was going to a junior college full time, had no savings, and was in about $5000 of debt. After COVID hit the service industry at the beginning of the year I got on unemployment and was making about $4k/month with the extra government help on unemployment checks (I live in Southern California). I was able to pay off all my debt including my car, got out of a 3 year relationship and moved back in with my parents who have jobs that aren't impacted by COVID at all. I'm paying them $500/month in rent. At the end of June I got a job in Finance as a Customer Sales Rep and made $15/hr plus ~$1,300/month in commission while working full time for the first time in my life. I worked really hard, passed a test, and got recommended by my manager for a promotion to a much better position. I'm now making anywhere from $20,000 - $60,000 gross per MONTH including my commission. The numbers fluctuate depending on the markets but seasoned employees at my job who've been in the industry for 15+ years are saying the lowest they've made were $120-150k/year even in 2008 when the markets crashed. Obviously this is lifechanging amounts of money and I've been pretty poor my entire life and want to be smart about what I do with all this excess cash coming in. Any advice is appreciated. This is a little bit about myself and my situation: -I'm a single 27 male with no girlfriend, kids, siblings or debts So Reddit, what would you do? [link] [comments]  |
| IRS expands Identity Protection PIN Opt-In Program to Taxpayers nationwide Posted: 03 Dec 2020 03:10 PM PST Internal Revenue Service announced today that starting in January the Identity Protection PIN Opt-In Program will be expanded to all taxpayers who can properly verify their identities in 2021. The IP PIN is a six-digit number assigned to eligible taxpayers to help prevent the misuse of their Social Security number on fraudulent federal income tax returns. An IP PIN helps the IRS verify a taxpayer's identity and accept their electronic or paper tax return. The online Get An IP PIN tool at IRS.gov/ippin immediately displays the taxpayer's IP PIN. The online tool uses Secure Access authentication which uses several different ways to verify a person's identity. Before using the "Get an IP PIN" tool, the IRS encourages taxpayers to review the requirements at IRS.gov/secureaccess. For those who cannot pass Secure Access authentication, there are alternatives. Taxpayers with incomes of $72,000 or less and with access to a telephone should complete Form 15227 and mail or fax it to the IRS. An IRS assistor will call the taxpayer to verify their identity with a series of questions. For additional security reasons, taxpayers who pass authentication will receive an IP PIN the following tax year. Taxpayers who cannot verify their identities remotely or who are ineligible to file a Form 15227 may make an appointment to visit a Taxpayer Assistance Center and bring two forms of picture identification. Because this is an in-person identity verification, an IP PIN will be mailed to the taxpayer within three weeks. Taxpayers who obtain an IP PIN should never share their code with anyone but their trusted tax provider. The IRS will never call to request the taxpayer's IP PIN, and taxpayers must be alert to potential IP PIN scams. Here's what taxpayers need to know about the IP PIN before applying:
There is no change in the IP PIN program for confirmed victims of tax-related identity theft. Those taxpayers should still file a Form 14039 if their e-filed tax return rejects because of a duplicate SSN filing. The IRS will investigate their case and once the fraudulent tax return is removed from their account, confirmed victims automatically will receive an IP PIN via postal mail at the start of the next calendar year. IP PINs will be mailed annually to confirmed victims only and participants enrolled prior to 2019. Because of security risks, confirmed identity theft victims cannot opt out of the IP PIN program. Confirmed victims also can use the Get an IP PIN tool to retrieve lost IP PINs assigned to them. FAQs about the Identity Protection Personal Identification Number (IP PIN) at IRS.gov [link] [comments]  |
| Selling a Used Car with a few nicks and scratches Posted: 03 Dec 2020 06:49 AM PST I'm planning on selling my 2015 Subaru Forester probably through Carvana. I park in the street so the front left fender has some nicks and scratches and tiny dents that can't be buffed out. The body shop quoted me around $1200 to replace the whole thing. They're quite small. Honestly, if I was buying it and the owner knocked off $500 to compensate I'd be more than happy. I guess I'm not sure if it's worth it to spend $1200 on a ~$12K sale or if better to just sell "as is". Any best practices for this situation? Car only has 12,000 miles so it's in great shape still. [link] [comments]  |
| Dont know what to do after high school Posted: 03 Dec 2020 08:44 PM PST Hey guys I am a high school student and i really don't know what to do after high school. I have considered the military but i don't think i would like it considering i could literally be stationed anywhere and not be able to see family for extensive periods of time. I've considered going to be a plumber or electrician but i really do not see myself doing that 20 or 30 years down the road. i want to go to college but i have a 2.1 gpa mostly because i did the bare minimum in high school and never found any interest in any subject other than math. i just think that it wouldn't be very smart to go into debt not knowing if im going to do good in college or not. Ive been working around 40 hours a week a a fast food place for around a year now and ive been played football my whole life . i guess im really just asking if there is any chance that i will succeed in college cause i would imagine college is way harder than high school and i am not doing so hot in high school [link] [comments]  |
| My W-4 still shows single, got married in May, can we file jointly? Posted: 03 Dec 2020 01:48 PM PST Apologies if this is a pretty basic question. My wife and I got married in May and I never updated my W-4 to reflect married for withholding. I'm the main income earner as she has been unable to work since the pandemic started. Will we still be able to file jointly or will I need to update my W-4? [link] [comments]  |
| Changed jobs, last employer cashed out my pension and mailed me a check (30's USA) Posted: 03 Dec 2020 04:47 PM PST My last employer offered a pension that was labeled a "pension plan - cash balance participant". When I left, they calculated my balance as of my departure date and determined it was below the threshold to keep in the plan (I was there about three years). They sent me a check for the disbursement. What are my options for handling this cash? I'm thinking:
Thanks for any insight you can offer! [link] [comments]  |
| How to find a job, to live, anything?! Posted: 03 Dec 2020 08:23 PM PST Since I moved out two years ago I've been constantly hopping jobs, been through 5 in that time. Not one of these jobs have been good, several shitty retail jobs, one almost okay office job but it was run by an absurdly unfair jerk. Circumstances are now forcing me to find another new job and I don't know what I'm doing wrong. Everyone complains about that office 9-5 but to me that seems like it would be heaven. I've been fighting tooth and nail for what people deem the bottom of the barrel. How come a 15 dollar an hour data entry position requires a fucking bachelors degree. If education is this important than how the hell am I supposed to afford it alongside 1600 dollars a month in necessary expenses There has to be something I'm missing right?! Why is a bottom of the barrel job so hard to find, what am I supposed to do?! [link] [comments]  |
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