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Methods to protect your elder parents from online hacks? First- I know there’s not ONE solution to solve this and it’s also a matter of practicing safe habits. Elder parents get excited with new technology and might not understand how far it can go. Their paranoia is increasing to the point of not wanting to keep documents showing in their desktop. My parents have been compromised three times now at a…

Father in law looking at taking out home equity line Hello all, Father in law (64?) lives in a house in Vermont that’s currently half a construction project. He said today he is looking at taking a home equity line of credit to get some dental work and fix up the house. He works manual labor around the state and has next to no savings. His house is paid off and livable but unfinished. He doesn’t h…

Selling stock to pay debts and buy a house? My spouse was gifted/bought stock at work which shot up in value SIGNIFICANTLY. We now have about 320K. I know that while his company has done well, having it all in one stock is risky and we should really sell and reinvest into something more stable. But also, we hope to buy a house this year and use some of the money as a down payment. We also…

Any reasons to not switch from debit card to credit card besides not being able to manage money correctly? Something I’ve been trying to convince my girlfriend of lately is for her to switch from using a debit card to credit card for the majority of her spending. I’m not a financial wizard, but I don’t see any downsides to credit cards if you get one with no annual fee, pay on time, and know how to manage your money. I’d like her to have better frau…

Carrying over a balance to increase your credit score? I have a buddy that works for one of the biggest VA Lenders in the nation. He works in their credit counseling department and has been telling me some of the things that he educates veterans on to improve their credit score to qualify for a loan. One of the things that stuck out to me was he has been told to tell veterans to pay off the balance …

I make less than $100 over the maximum income limit to qualify for Masshealth seeking advice. My monthly pay is about $50 above the maximum threshold for a single adult. If I were to contribute $50 to a 401k plan would that allow me to qualify? I know they calculate based on gross income but not sure how a 401k effects that. submitted by /u/PossibleExamination1

What to do with inherited house I’m looking for advice on what to do with a home my husband and his brother just inherited. The home is estimated at 400k. We used my husbands mothers life insurance to pay it off. The home is a 4 bed/3 bath. It is located in a rural area. We think it may have some issues with the roof and possibly foundation, in addition to cosmetic interior is…

How to deal with Charge-Off Hey everyone. So, super unfortunate financial issue for me and just looking for advice. I had a vehicle with $12,000 left on the loan and was in an accident. The car was totaled. Was not my fault and the insurance of the driver claimed fault and the settlement was only for $5,000 because of a limits issue. I did not accept, got a lawyer, and am …

Lost job and Unemployment is about to end. Hello all, I lost my job in April of 2024 and have drained almost all my savings, including retirement. I have not made the best financial decisions and I am worried I will lose my car and home. My wife works but I fear her income will not cover my debts. I have applied to almost 500 jobs in my field but am almost blacklisted since I was termina…

Pay off debt or Roth I’m 19 and have about $1,500 in a Roth IRA sitting with Schwab. I quit my job about three months ago, thinking I’d have another one by now, but with college and EMT school, I have zero time, except for some substitute teaching gigs here and there. Although I’ve never been a huge fan of credit cards and have never had debt before, I’ve built up a…

Roth, a marriage, and next steps In January 2024 I married my partner and also changed jobs, doubling my (previously paltry) income. By March I had managed to clear my few debts and set up a 403b (I’m a teacher) for 10% of my income and started deductions to fully fund a Roth by the end of the year (in addition to the 13% contribution to pension). Unfortunately, it never occurr…

Need advice on how to improve my Finances and help make my money work for me Hey yall, Im 20 years old currently working a restaurant job. I currently have 40k sitting in a roth ira, 26k in a brockerage account holding a core position in fidelity’s fund earning 4-5%. And about 15k sitting in my checking account which isn’t earning anything. I feel like i have a good opportunity to re utilize my strategy and potentially b…

40 years old, just starting to save for retirement, below average income Hello I have always been bad at investing or thinking about money in the long term, I attribute this to growing up very very poor and even as I got older just thinking about anything money related gave me extreme anxiety I’m finally addressing this and ready to work on my finances. I have 30k in savings and 6k in a Roth I started this year. Is …

Help avoiding a wash sale between Roth IRA and taxable brokerage account Hi! I have a portfolio of 10 different ETFs, with many of the same ETFs held in both a taxable brokerage account and a Roth IRA. I’m planning to reallocate the equities portion of my Roth IRA to 100% VT, but I’d like to leave my taxable brokerage account as-is for now to avoid realizing any capital gains (the overall exposure is similar enough t…