Personal Finance Amazon says I returned the wrong item and is threatening to charge me for it |
- Amazon says I returned the wrong item and is threatening to charge me for it
- Job offer from competitor. How to ask for raise from my current employer?
- I am 21, I have about $14,500 in credit card debt, $13,000 in savings, and I am homeless. I could use some general guidance.
- Is this a scam? Selling something online. Potential buyer cannot come to me, said they will send me a cashier cheque for the item then we will arrange shipping, opinions?
- I earn what I think is a very comfortable salary, so why does it feel like I'm unable to save for a house/grad school, afford to live on my own, or really spend money to enjoy life?
- Just got a notification for a 0.00 charge
- Burglar stole my identity info and now someone reset my experian account
- My mom was hiding my medical bills. What do I do now?
- My dad is self employed but doesn’t put the time in to really understand how taxes effect him. Possibly bad advice from tax pro?
- 19 and trapped at home and needing some advice
- Do I need to get a job or not - what would you do?
- 33, wish I got this advice a decade ago…
- Retirement Strategy
- Relative sold home and is about 60 years old or so, how to invest, spend?
- Missed past couple years bull run saving for a house in SF Bay area
- How to deal with tax burden of receiving company stock?
- Question about "wealth management"
- What should I consider before requesting a year off?
- Talk to me about construction loans/refinancing
- How can I return a private student loan that I don't need anymore?
- Calculating the opportunity cost of a PhD?
- Opening an IRA, confused about new salary being on threshold of income limits for Traditional IRA tax deduction, help needed
- Still a authorized user on a company credit card I no longer work for.
- Portfolio Setup - Which Assets in which Accounts?
| Amazon says I returned the wrong item and is threatening to charge me for it Posted: 12 Sep 2021 05:26 AM PDT In June I brought a rather expensive drone for myself. It was just a little over $1000. When I received it, I noticed that it was missing one of the cables that was required to use the drone. I immediately requested a replacement on Amazon and returned the one with the missing cable. I returned it to a UPS store as advised on the Amazon return instructions. A few days later I received notice that the return was received and never heard anything of the issue again. Fast forward two and a half months later and I receive an e-mail from Amazon that states that I returned the incorrect item and that I'll be charged if I don't return the right item. I know for a fact that I returned the right item, so I e-mailed back simply stating that I returned the correct item and asked them to provide proof that I returned the incorrect item. I received another canned response back simply stating that I returned an incorrect item. I replied to the canned response with the same response, only this time I also cc'ed jeff@amazon.com which from my understanding forwards to some special inbox that gets more attention. I also called amazon customer support to get more information. Support told me that they could not give me more information and that all they could tell me is that they received the wrong item. They did take a report though where I explained again that I returned the item and the customer service rep stated that I wouldn't receive any more emails on the subject and that I wouldn't be charged. Later that day I receive another email from amazon, this time I reply to my jeff@ email, essentially stating the same thing that Amazon has been stating. I then asked them again to provide proof that I returned the wrong item and furthermore I demanded that they return the incorrect item back to me if they cannot provide proof for whatever reason. Again they responded similarly to their previous e-mails, stating that I returned the wrong item and that they were going to charge me for it. They said they could not provide proof and could not send the incorrect item back to me. I'm really at a loss for what to do here. I don't have the return shipping receipt anymore since it was so long ago and I received confirmation that they received the item. When I returned the item, amazon allows you to return the item in it's regular product box without a cardboard shipping box to a UPS store. I suspect that between the UPS store and the Amazon warehouse that someone stole or replaced the drone. However since Amazon won't give me ANY information, I have no way to confirm that. It seems that every response I get back from Amazon on any of my requests for information is met with a "fuck you, pay me." from amazon. I assume they're going to charge my card for the $1000 soon. It's an Amazon Store credit card by Synchrony bank, so I have no clue how a credit dispute would work out in this case. If they charge me, would it even be worth brining a company like Amazon to small claims court? It feels like a VERY uphill battle in a case of he said, she said. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Job offer from competitor. How to ask for raise from my current employer? Posted: 12 Sep 2021 11:07 AM PDT A competitor has been trying to poach me from my current company. I'm a key player on my team, so I have a little leverage. When asked what it would take to get me to leave, I gave them a number that is much higher than I normally make (about 80% more). Now it sounds like they are going to come back to me with the offer in a week. The thing is, I love my current job and would ideally like to stay. Going to the competitor would be a downgrade in all aspects except for salary. The way I see it, I have 2 options to approach my current boss: 1) Talk to him before I get the offer. Explain that I've been approached by companies offering much higher salaries, but do not want to leave. Ask how we can work together to get me to a competitive salary. 2) Talk to him after I get the offer. Explain that I have an offer in hand, and ask for it to be matched. I lean toward #1, it feels like a more positive approach - especially if I stay. However, I don't know if HR will go for doubling my salary just because I asked nicely. What do you think is the best way to approach this? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Posted: 11 Sep 2021 08:28 PM PDT I've always tried being financially savvy. That ironically is how I amassed good credit early in life, only to wind up using it when my back was against the wall. How did I amass this debt? I have no social/family safety net and have been on my own for quite some time. Let me explain that another way to clarify; the only contacts in my phone are 7 coworkers/managers who need my number for work and nothing else. I was working full time and going to school full time before the pandemic. Was then fired and thought I could just put a semester on a card. That turned to 2, then I came across some legal problems, queue minimum payments, and here I am a year later. I was $20,000 in debt 3 months ago. I decided it might be a good idea to just live in my car, so I did. I got a new job where I literally work 12 hours 7 days a week, only taking time off when forced by my boss (e.g. only three days n the last 3 months because I do so much work and they rely on me). I'll include a screenshot for some proof.pay I've got my spending down to about $300 a week, which includes some unnecessary things that I consider necessary for my sanity. Other than that, I decided liquid cash is a he'll of a lot better than no debt. My alternative perspective to my debt at this point is I'm renting $13,000 cash for a measly ~$200 a month. Anyway This can't continue forever. I live in constant anxiety I'll be fired again, except if/when that happens I'll be homeless for real real and in real bad shape. I do not want to live where I 'live' currently. I won't get into detail but I don't have the best reputation and I would like a fresh start. Primarily in another state, hence my idea that I need so much money in savings; if I get fired who the hell will rent to an unemployed college dropout? Probably someone who can pay 6-12 months in advance. As for my debt it spans 4 cards. One is $10,000, the other are ~$1,500 each, and my 4th is just my daily driver that doesn't carry a balance as I pay in full each month. All have around 17-18% apr. I'm looking for some real guidance. I literally have no one to talk to. No one to offer advice. The last 100 days have been spent alone in my car. I know my thought process is flawed but I know my tunnel vision is keeping me on this path. Honestly I will just keep doing this until I get fired and that might be tomorrow or a year. I don't know. I'm scared and alone and live with the fear that while I might have a lot of money, all this hard work is worthless in the end because the day I have enough to pay off my debts, I'm at $0, nothing. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Posted: 12 Sep 2021 04:34 PM PDT I also offered to drop off said item. How should I approach and how would this scam go down? A post dated cheque that they cancel once I send the item? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Posted: 12 Sep 2021 05:53 PM PDT I'll get right to the point. I'm in a medium cost of living city in the US, and I earn $82,000 annually, so $6,800/month. This is the breakdown of my expenses:
For background the "caring for parents" is mostly just buying or sending my mom stuff because she's in a nursing home in a different state so I don't see her in person much anymore. Just things like snacks or letters or flowers or stuff like that. With covid I can't see her in person. I don't want to end up in a place like the care home she's in so I prioritize saving for retirement. I always hit my healthcare deductible because I have some underlying health conditions. After all of this, it doesn't feel like I have much wiggle room to save for a house or for grad school (which could potentially increase my salary). It would be nice to live on my own in a few years (I'm 31) but apartments in my city run around $1200 so that would burn through most of my surplus. Down payment for a house? Forget about it. I like to think I live somewhat frugally, and $82,000 is a great salary. Am I saving too much for retirement? As the title says, why does it feel like even with this fantastic salary, I'm only able to set aside a couple of thousand a year, I can't afford to live on my own, etc. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Just got a notification for a 0.00 charge Posted: 12 Sep 2021 10:32 AM PDT It's really weird it says from "hustle marketing". 0.00 charge, anyone familiar with this? Edit/UPDATE: I decided to msg hustle marketing on Instagram (thought it was a long shot) but they said I wasn't the only one contacting them about this. Said some scammers were using their name and asked for screenshots of the charges. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Burglar stole my identity info and now someone reset my experian account Posted: 12 Sep 2021 01:41 PM PDT So I had a break-in a few weeks ago. One of the things they stole was my tote with all my personal documents in it. The police came for it and filed a report, I also followed the wiki and froze everything and thought it was mostly handled. I have new bank accounts/cards, 2-factor turned on everywhere I can, and so on. Today I got a notification that someone had changed my experian email, username, password, and pin. Experian wont tell me but I'm pretty sure this can only be done over the phone with my full social and getting through the 4 questions on previous addresses and so on. Experian doesn't even offer 2-factor authentication on their website only their phone app which makes it useless. So someone out there also has my full credit report now. So yeah, I'm pretty nervous at this point. I don't know what else I should do and would appreciate any advice you all have. Thanks. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| My mom was hiding my medical bills. What do I do now? Posted: 12 Sep 2021 07:01 PM PDT I may be in the wrong place for this, so if I am, I apologize. TLDR: My now-deceased mom always told me not to worry about my medical bills because they were in her name. Just found out that they were all in my name actually. I don't have the money to pay it all right now, and I'm getting calls from "credit solutions" companies about it. What do I do? My whole life, my mom has struggled with getting and keeping health insurance for us. With both of us having medical conditions, it made it a lot harder and a lot more expensive. She would often tell me that I was insured and talk about taking me to appointments that would never happen. If something big did happen, she would try to get me in to see my PCP or a specialist. It would all get expensive, and I was asked about payments several times. She started telling them to only speak about the payments to her, and I did not think much about it until I got older (big mistake on my part, but ignorance was bliss at the time). I went into a specialist one day and was asked to pay $700 from a previous visit before seeing anybody, but I was confused because I had given them what I thought was an active insurance card. I called my mom, and she told me to give them a different policy number from a different provider that she would read out over the phone. I tried that, and they told me that that was an expired policy. She told me to pay part of it using her card, so I did. After that, I started paying more attention, and I realized that she was hiding medical bills from me or grabbing the mail before I could. I found a bill for $8,000 that was threatening to send to collections in a month, and I got upset with her. I pulled up the information myself and paid off some of it and set up monthly payments. COVID hit and suddenly I wasn't able to make the payments. Another bill showed up for $4,000, and she told me that she had already been paying that one, that the balance was not up-to-date, and to leave it alone since she had a payment plan already. I agreed. I started getting phone calls during class from medical offices about the money I owed, and I mentioned them to her every time. She took the information I provided and said she had checked in or would check in with them. I told her multiple times that I was worried about my credit getting ruined before I could even start it. She told me to trust her with this, and that she would do everything in her power to make sure it all worked out. Again, ignorance was bliss, but I had anxiety starting to build up. But as a full-time student making part-time minimum wage, I knew I couldn't argue much. I had a minor procedure done, and she gave them my insurance information. It all seemed to go well until I found that she had been hiding a bill that stated that I owed $700 due to the insurance policy being inactive. I found my mother passed away very unexpectedly a little over two months ago. I have found that all the bills are still outstanding with my name at the top as the payor, and I am 22 years old with pretty much no other family. I also have a school payment that I need to finish off, but I can handle this one easily. The calls from the medical bill people have turned into "medical financial solutions" and "credit solutions" phone calls. I am worried that I will say something wrong and sign myself up for something I am not ready for if I call them back. I have a promotion now, so I can pay a little money each month. Any advice? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Posted: 12 Sep 2021 09:10 AM PDT My dad runs his own masonry business with the only one other employee. He gets very frustrated when dealing with taxes. Some years he gets money back, one year he had to pay in $13k. I'm not sure he is getting the best advice from his tax pro because he regularly tells me that he isn't working more this week because he might fall into a higher bracket and have to pay in tons of money. My understand of self employment tax law is limited. But I know for traditional tax filings, the higher tax brackets only apply to the additional moneys earned above the previous bracket. Is that true for self owned businesses too? Additionally, the tax guy keeps telling my dad to buy a bunch of tools for a tax deduction. So he will go out and buy stuff for the sole purpose of increasing the deduction. However, every single year, he just goes with the standard deduction. Is all this money spent on tools wasted or is there something I'm missing? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| 19 and trapped at home and needing some advice Posted: 12 Sep 2021 09:51 AM PDT I'm 19 and I've been trying to escape my house but I'm having difficulties leaving due to parents. I have no control over my banking or money, and I need to open up a bank account in order to be able to get everything, my parents are denying me any of personal information including forms or anything and they are making everything very difficult for me to accomplish anything. Everything I do I am hit with a brick wall. I was wondering if I could get some outside help In Figuring out somethings, I want to get an international bank account because of my plans of leaving the country(America) to go to the UK and I honestly don't know where to trust or how any of it works..I know I should but anytime I try to ask questions to anyone I am hit with yelling and belittling and I can't ask anything in my household. So any advice is appreciated, I need to get my birth certificate (I'm in Florida) and in order for that I need to get my paychecks from my work to a bank account so my spending isn't monitored and I can get out of the house. Sorry if this is all over the place. Again, any advice is appreciated. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Do I need to get a job or not - what would you do? Posted: 12 Sep 2021 06:38 PM PDT I'm 50 years old, currently not working, but have a lifetime pension of $78K/yr, with annual increases indexed to CPI and access to cheap health insurance. Spouse is employed at $140K/yr. Our combined net worth is ~$2.5M. Brand new empty nesters, youngest just joined the military. No big college or other expenses upcoming, no expensive hobbies. Still maxing both IRAs, still saving and investing without me being employed. Only debt is $140K mortgage remaining on $550K home. All cars paid off, no credit card debt, no student loans, no debt of any kind other than the mortgage. My question is this. I'm only 50, I can get a ~$150K/yr job in my field. Part of me feels like I "should" work. The other part of me feels like I don't need to, and really enjoys having my time as my own. The spouse doesn't care either way. Currently, the "don't need to" part is winning. What would you do? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| 33, wish I got this advice a decade ago… Posted: 12 Sep 2021 07:14 PM PDT MAX OUT YOUR HSA (if you have one). Since I started out of college (debt free luckily) I have been pretty much contributing to my 401k at least a bit, maxing out last few years….all fine and dandy. Now I'm making some good $ and thinking I can keep maxing it then I get more interested in retirement so I do reading instead of putting my head down and maxing my 401k and not thinking twice and just letting this hsa account sit there… Your HSA account (after 65) works EXACTLY like your 401k does, but better…no required distribution minimums so you arent left trying to figure out how much to take out to stay in a low tax bracket, you can use the balances in the account to pay medical expenses ANY TIME YOU WANT, then if you're lucky enough to pay medical expenses out of pocket you can go in and reimburse yourself for decades worth of medical expenses. Amazing and hardly ever talked about! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Posted: 12 Sep 2021 11:21 AM PDT I am 62 and have been an aggressive investor since my first job out of college. Have been retired for the last 6 years but because my spouse continues to work, we have not needed to touch our retirement. We have a very good problem of having significantly more money than we really need. We do not invest in things like Crypto or day trading. We just but and hold and occasionally change positions. I am a big believer in getting rich slow, and I tend to invest in the broader market with ETF and Index Funds. We do have some major tech stocks in our portfolio as well. We are OK with the volatility in the marketplace and can comfortably live through a 40 to 50 percent downturn in the market, without it changing our lifestyle. My thought is to continue with our current investment strategy, and on a quarterly or annual basis, cash out any appreciation so the net balance will remain constant. I do not see the need to increase our nest egg substantially. If the portfolio grows by 10% we will have way more money than we need and can easily create a slush fund for the lean years, if there is a significant downturn that lasts several years. I realize this is not what a typical retirement plan looks like, but I would like to hear what advise you might have. I would like get some suggestions on long term investments that do not require my attention. Sort of like set it and forget it mode, as I would rather enjoy life than watch my investments. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Relative sold home and is about 60 years old or so, how to invest, spend? Posted: 12 Sep 2021 05:36 PM PDT So, fortunately this happened for them and they sold and got about $300K cash. I was wondering, at that age of around 60, how much should they invest in say a Roth IRA / mutual fund, versus keeping in the bank for spending access? they don't have any investments right now that I am aware of. I guess all this depends on how much they might buy a new property/home for. Just want them to have the best control of their finances, and not have all that money sit depreciating in the savings account over the years, even at this stage of their life. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Missed past couple years bull run saving for a house in SF Bay area Posted: 12 Sep 2021 11:27 AM PDT I'm tired of sitting on a ton cash and losing out on gains in order to compete for a home here. Anyone else in a similar position? I'm curious how you handle it. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| How to deal with tax burden of receiving company stock? Posted: 12 Sep 2021 05:54 PM PDT Just FYI. I'm a software developer in New York city. Salaried above 100k. I max out my 401k. In about a year and a half I will have company stock granted to me, and it will vest immediately (after 5 years working) for them. At the current company valuation this will be at least 600k. Is there anything I can do to reduce the tax burden on myself When the stock is granted? My understanding is that the government will treat that as a massive paycheck, which could put me at a higher tax bracket. A huge chunk of that money will be taxed at 30% and up. Is there any way of smearing out the gains so it's not as brutal? I would really appreciate either articles, or terms I can look up to help me figure out what to do. Also Is this something I can handle on my own, or do you guys recommend I talk to a professional of some sort? EDIT: these are RSU. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Question about "wealth management" Posted: 12 Sep 2021 01:05 PM PDT TL;DR: Are wealth management services really worth it? I was shocked this morning to realize that depending on what I want/need I could end up spending anywhere from 0.35% of my principal each year for effectively nothing at all, up to 1.5% each year for someone who would actually help me organize my savings. Seriously? Full story: So, I'm within a decade of retiring and while my spouse and I have been good about saving, discussing finances makes my head hit the table within seconds. Anyway, I was working on updating my "life planner" (a book that tells the kids where to find all the important papers if I die) today, which led to reviewing my finances, which led to the realization I could probably use some kind of help organizing them - my current firm seems to provide almost nothing in the way of advice/assistance - but poking around led to the realization that any kind of help comes with what seems like a very steep price... Is going to a big company like Fidelity or similar really likely to improve my retired life? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| What should I consider before requesting a year off? Posted: 12 Sep 2021 01:30 PM PDT I am a teacher, currently on maternity leave, and had planned to be off from the start of the school year through mid January. That's 50% of my contract year, and I get no pay from my employer while I'm out. I do have disability insurance that will provide 60% income replacement for a couple months (no state disability though). However, I want to extend my leave to last the whole school year (my contract allows for this and I don't think they can deny the"request".) Husband will still get his 3,200/month take home (I typically make the same). We have 60k in checking/savings, and monthly expenses are 3k a month with our current lifestyle (I could cut back probably 500 to 1000). We always max out our Roth IRAs at the beginning of the year, and I usually put $1k from my monthly paycheck to go into a 403b, but I guess I won't this year. Is there anything I should consider financially before telling my admin I won't be coming back this year, after all? Any wisdom for how to do this but stay on track financially? We probably have 100k in retirement between us, but don't have a 401k for my husband; should we set one up so we can keep contributing, or just count this year as a wash? Am I able to put money in my Roth IRA, since I technically worked half of 2021 and will work part of 2022 (next school year)? We also threw money in a dependent care account, which I guess there's no way to not lose that? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Talk to me about construction loans/refinancing Posted: 12 Sep 2021 07:36 PM PDT We bought our home in 2012 at the bottom of the market for $90k and 3.625% with a no-downpayment FHA loan. We currently owe $71k, based on current market trends and our updates and comparing homes that have sold recently in our area it's worth around $160k. It's a 3/2 on a couple acres, in good condition. Our family is larger now, and we thought about moving into a larger home, but talked about it and decided to just add onto our current home - it's theoretically much cheaper in this current market. For reference, we make twice as much now as we did when we originally bought the house. We just don't have much savings outside our retirement accounts because we've only been debt free (outside our mortgage and student loans) for about 2 years now, so cash isn't an option. We're looking at between $60-100k of renovations and additions (there's a lot we could do ourselves if need be, my husband is skilled). My husband is off to get contractor quotes, I'm handling the money stuff, but this is totally new territory for me. I was comfortable with the idea of buying a new home, but not sure about best paths for financing additions to our home. I'm going to talk to my bank, but I like to be informed before I go in. When looking at a cash out refinance, is the home value estimated on the original value or current or value after planned renovations? Are there loan options other than cash out refinance we could consider? What am I missing here? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| How can I return a private student loan that I don't need anymore? Posted: 12 Sep 2021 01:02 PM PDT I recently was granted a scholarship that will cover my tuition plus living expenses. I no longer need a private student loan (College Ave) that I requested a couple of weeks ago. Should I pay the money back as soon I receive it? Or there is any way I can cancel the reimbursement before it happens? I want to avoid unnecessary fees and penalizations to my credit score (and my cosigner credit score too) [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Calculating the opportunity cost of a PhD? Posted: 12 Sep 2021 12:48 PM PDT I'm presently training to enter a potentially high-earning (6 figures) career, and my current career plans require a PhD. I am given to understand that, in commercially-valued fields, pursuing an masters is often financially advantageous—but a PhD generally isn't, even in very high-earning careers. With that said, I'd like to work out some sort of estimate of the financial opportunity cost involved here. I do realize there are a ton of variables to consider—you folks can't give me a number, but I'm almost certain I'm missing a bunch of variables, and I'm wondering if you might be able to point out things I'm missing. So far, I've got: -The difference between my likely stipend and an obtainable salary from a traditional employer -The compound interest I'll sacrifice from what could be larger amounts of my paycheck. What else do I need to think about? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Posted: 12 Sep 2021 12:09 PM PDT Hello, long time lurker/ new poster here. I'm in my late 30s and due to some poor choices when I was younger, have only started getting serious about my finances this year (saving, repairing/ building credit, getting serious about retirement savings, etc.). In January of this year I starting contributing to a Principal Roth 401k through my employer and am contributing 2% over the 4% required to get the employer match. I've recently considered increasing my contributions further, but found this sub and wiki, which led me consider an IRA instead of contributions over the match amount. I'll be able to start with contributing about $400 per month to this account and, because I can't contribute 1- 3k to open the account, I think I'll go with Fidelity due to their no minimum to open vs. Vanguard. The issue is, I'm stuck on the Roth va. Traditional IRA part. (Forgive me if I get any of this wrong, I'm still learning). I understand there are income limits for the Traditional contributions being tax deductible. Here's the kicker, 2 weeks ago I got a salary increase to 125k, which I understand is the income limit/threshold for contributions to a Traditional IRA being tax deductible. So, do I open a Traditional IRA for now as my income for 2021 will be under 125k so I can get the tax advantage for 2021, and then plan on [learning how and] doing backdoor conversions to a Roth IRA for 2022 and after when my yearly income will be 125k? Also, does that mean I need both a Traditional and a Roth account going forward after 2021, and that every year I'll contribute to the Traditional and then covert it to the Roth? TL;DR: From what I understand, the wiki advises that a Traditional IRA is not suggested if you won't get the tax deduction for contributions, and I just got a raise that I'm pretty sure puts me over the income limit, where should I start (Traditional/ Roth IRA) for opening and future years, with a midyear change to 125k income? Sorry for the long post and thank you for reading! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Still a authorized user on a company credit card I no longer work for. Posted: 12 Sep 2021 12:28 PM PDT I used to be a truck driver for a small business awhile ago. While working their, they gave me a company credit card to buy fuel for the truck, or any equipment I may need to purchase for work. When I eventually left that company, I gave the owner the credit card back and went on with my life. I have noticed on my credit report that I am still a authorized user on the credit card, even though I don't have the card anymore. I am 23 and relatively new to credit, being a authorized user on this card has helped my credit significantly. The company usually uses 4k out of their 10k limit per month, and pays it off entirely, and its a 10 year old account. Do I legally have to remove this from my report? Or could I just let this ride to continue to build my credit? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||
| Portfolio Setup - Which Assets in which Accounts? Posted: 12 Sep 2021 11:27 AM PDT Hello. I currently have four investment accounts that I'd like to setup my plan on. I have a Fidelity Roth 401k, where I use BrokerageLink, a Roth IRA, HSA, and E-Trade taxable brokerage account. I'm look at doing the following:
My accounts are kind of all over the place right now, so I'm trying to set it up for something long term. I'm unsure if I should total my assets and make the above allocation in each of the accounts, or put some in specific accounts. The only thing I've really heard is the debate of international stocks in a taxable, but is that better than Roth? Thoughts? Thanks! [link] [comments]  |
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