$192 added fee from debt collectors? Hi i had a consultation for a surgery that after insurance had a fee of $25. They told me they sent three notices none of which i have ever seen or opened. After getting a few calls from a company called “Americollect” I called my orthopedic center and asked them about when they told me of the $25 unpaid fee. I was told that it was sent to colle…

Tax help – How do 529 tax deductions work? Last year my husband and I owed on our taxes. This year we welcomed a son and opened a 529 account through our states program. I read on the website that you can deduct up to $20,000 jointly on your state taxes. Theoretically, if we were to add to the 529 account would that lower our state tax burden to zero–or how would that work? I’d much rat…

Investment advice request My Dad (75) says he has to take 14k out of his retirement plan by the end of the year. He owns his house outright, carries no debt, and is in good health for his age. He has an etrade account, but he’s constantly watching Fox financial news which results in him buying high then freaking out and selling on dips. He constantly asks my opinions on …

$8,200 year end bonus-Very grateful Hi everyone… currently have analysis paralysis.. will have a year end bonus of $8,200 Net. Credit card debit is 0.. only debt is car note @ $25,000 @ 4.99% I pay more than min on track to have it paid off in 1.5 years. Heres my plan: $3,500 to principle on car loan (to pay faster) $2,000 to Roth IRA $2,000 divided up in to Crypto and HYSA …

Track Santa With NORAD & Google For Christmas Eve 2024 via @sejournal, @MattGSouthern Track Santa’s location this Christmas Eve with the Google & NORAD Santa tracker apps, which are now live worldwide. The post Track Santa With NORAD & Google For Christmas Eve 2024 appeared first on Search Engine Journal.

US Online bank options I am an American immigrant living and working in Germany. I used to have investments in the stock market, but had to sell them to have hard cash in the bank for immigration when I left a few years back. I want to start investing again for long term asset growth, but I need stateside bank options. My old bank, Wells Fargo, was a dumpster fire for…

Buying a house vs continuing to save Context: Currently living in an apartment that I’ve come to hate for multiple reasons, but mainly I’m dealing with a lot of noise. While looking at other possible apartments, I had a realization that a house might make more sense at this point. I’m 25 and I’ve been aggressively saving since I graduated college. I could currently afford a 20% dow…

How to save money with income but no 401k or job For the past year (2024), I did not work at all. I still had income because I exercised NSO options from a past employer. I don’t have any debt, and don’t need the money urgently. I’m wondering how to save/maximize money before the 2024 tax year ends. I think the first thing I should do is deposit money in a traditional IRA (max $7000) before I …

1/3 income on rent vs 1/2 In a few months I need to renew or move. I did the math, if I move closer to work my location becomes more walkable/ desirable and I save 1 hour of driving total every day. If I value my time for money thats a minimum of $400 a month. I would so much rather work those hours at my job than be in traffic running up gas and maintenance; I can work …

I have 50k in savings but trying to decide on expenses for house Hello, I have no one to ask, but i penny pinch on a lower middle class income, and I have 50k in savings. I’m 17k from paying house off with 3.4% interest. I also need to redo 40 yr old siding and recarpet or refloor house. Carpet is OK but showing major signs of wear. Siding is horrible. That’ll be 10k to redo. Repainting didn’t do much to make…

Retroactive HSA Withdrawl Assume I was in an HDHP in 2023 and contributed 5,000 to my HSA. In 2024 I was not eligible to contribute, and incurred medical expenses of 3,000. In 2025, can I withdraw 3,000 from my HSA for the 2024 expense? Assume my AGI is high enough that 3,000 isn’t above 7.5% of AGI. My understanding is I can do this. If I cannot, why? Reason to do this …

How do life insurance polices pay out? I have a term life insurance policy that pays out 500k if I die. Let’s say that I die tomorrow. Does the insurer just cut a 500k check to my benefactor? My partner is an only child, only remaining family member. Their father has a whole life policy. When he passes, does the provider cut a check? Or is it all a slow payout type of thing? subm…

Advice for Underfunded Retirement Asking for some advice for my mom. She is 58 and extremely underfunded for retirement. She makes so little right now that she isn’t able to compensate for being underfunded by putting more in. HOWEVER, she is receiving her dispersement from her late grandmother’s estate to the tune of about $70k. We are trying to decide what the best use of tha…

10 Strategic SEO Insights & Tactical Advice For 2025 And Beyond via @sejournal, @gregjarboe Staying ahead has never been more crucial. Explore these actionable strategies and tactics to ensure your success in the new age of search. The post 10 Strategic SEO Insights & Tactical Advice For 2025 And Beyond appeared first on Search Engine Journal.

Rent or Buy? A doctor going for the first job I did some search and homework, and really appreciate all in this sub-reddit and others. Many posts say that doctors switch a jobs after a year and better to rent first year to see if they like the job or not. Although this might be true for most physicians, it’s not in my sub-specialty where people typically spend at least 3 years in their job …

401K suggestion for growth and retirement accounts Hi I’m 33 yr old, have about 48K in my 401K with my previous employer, and 10K with my current employer, what is the best strategy to grow my retirement fund? Should I rollover my 401k to my new employer 401K or should I open a low cost IRA account? Please advice submitted by /u/vinn0103

Payoneer Card Charges? Does Payoneer charge $30 for every card in every currency, or $30 in total, no matter how many cards I’ve. To be clear I’ve 2 cards, 1 GBP Card (Physical), and 1 USD Card (Virtual). Will I be charged separately for both? Or a total of $30 for both? submitted by /u/Far_Tap1111

Should I use Wire Transfer over ACH for ~ $26k Hello all, I want to transfer 26k into my brokerage account but the funds won’t be available for investment until next Tuesday, the last day of the year. I’m not in the biggest rush per se, but the 26k was already on hold with my bank for a week and just cleared today (check). I don’t understand why I have to wait over 2 weeks just to transfer …

Where Should I invest my Money as a 20 year old College student. Hi everyone, I’m a college student and have managed to save up over $5,000. I’m looking for ways to grow my money and am willing to start by investing $2K-$3K, with plans to add more as I learn. I’ve heard about money market accounts and a few other options, but I’m unsure where to start or how they work. Does anyone have recommendations for a b…

Person using my name and address for online order Woke up this morning to a notification about a shoe order from DSW. It’s my name and email address, but not the last 4 digits of my credit card. I checked my credit card, and there is no pending charge or charge. What are reasons someone would do this? I’ll call DSW when I get home, but I’m stumped. Thus came a day after Chase denied a charge f…