How do we feel about HELOC’s? I purchased a house 7 years ago and spent $150k remodeling it. We ran out of savings but have everything done except the basement. I am considering borrowing $40k of our home equity to finish remodeling the basement. It will add a play room, home office, and guest suite. I would like to use the space rather than wait 5-7 years to save up. 33 yea…

Is unclaimed property legitimate? Why does it feel so sketchy? I was told to check for unclaimed property on this website nvup.gov* by a family member. I found out that for some reason I have no recollection of that a bank owes me almost $1,500. I know it’s definitely me because I have a very unique name. They want a copy of my driver’s license, social security card, all all kinds of other personal informa…

Secured a huge uplift in salary, how to capitalise? Hey all, as the title suggests I have been fortunate enough to increase my salary through some recent hard work and employment moves. I now find myself with approx £3.5k a month leftover this could be pushed up to £4k per month with some additional care in outgoings. I live in the Channel Islands, so do also benefit from a reduced income tax rat…

Guidance for savings and retirement as a 23y/o Hey all, Context: I’m 23y/o and currently work remotely full-time (40hrs a week). I currently make $59,900 USD per year (gross). I get paid bi-weekly (around $2,300.00 gross per pay-check). Breakdown of current funds: Fidelity 401(k) A: Total balance: $10,578.96 Entirety of 401(k) is in VLXVX – VANG TARGET RET 2065 I contribute 5% of every p…

Opened a ROTH IRA need some guidance Hello everyone I open a roth ira like last week. I am planning to put 100 monthly for now. My question is when it comes to buying stuff to make it grow (EFTS is the most common I have heard) Is it possible to make this with just 100 a month if yes can someone explain me how and which to use but if not possible if there is any other recommendatio…

Reinvested Dividends question, when the reinvestment hits the share amount, why does it look like the gain/loss column look the same? submitted by /u/PaveTacker

Dad died and I’m lost. Advice please….. I found him. He passed in his sleep, sometime between bedtime Sat. night, early Sunday morning. He was 82 and in good health overall. He was even on the golf course twice a week. For a full round. Everytime. He wasn’t sick and things couldn’t have been more normal when he went to bed Saturday night. I’m still in shock. And I AM LOST. NEED ADVICE…

YouTube SEO Study: Factors That Correlate With Top Rankings via @sejournal, @MattGSouthern YouTube SEO study finds common factors shared by top-ranked videos. Here’s what you need to know. The post YouTube SEO Study: Factors That Correlate With Top Rankings appeared first on Search Engine Journal.

Accountant charging me for his own mistake My accountant did a mistake by forgetting to file the s corp election for my small business and as a result the IRS declined the taxes, after getting notified and then reaching out to the IRS explaining it’s his fault not mine he sent an $700 invoice for his “s corp resolution with IRS” service which was shockingly surprising to me as it was not…

Fidelity 401k investing I was recently laid off and had to rollover my 401k to Fidelity. It’s asking me to invest and I’ll be honest I’m completely clueless on this topic. I clicked “fidelity funds” and “no transaction fee” and here are my options: fidelity freedom 2055 fund fidelity freedom index 2055 fund investor fidelity freedom blend 2055 fund Any that you guys…

Hospital misquoted a procedure twice and now wants 3 times the original cost, can I push back? I had to have a stress test done, and I called TWICE to make sure i would be ready for the bill. Both times they assured me it would be roughly between 450 and 500, and they offered me a discount if I prepaid. So I prepaid 405. Weeks after the procedure, I get a bill in the mail asking for an additional 897.99 My family pet was just diagnosed wi…

Parents couldn’t make rent Hi Reddit, I am an eldest child of 22. I have a younger sibling and two loving parents. Long story short, my dad has been unemployed for many years (mostly I think due to COVID and his growing age) and started to not have money for rent. I’ve been trying to help him get a job since but its been very very hard. He has been selling his things and …

Elderly father received a 1099 INT from a bank he doesn’t have The 1099 is from Bank United which I’ve never heard of. His SS only goes to his Capital One checking account. submitted by /u/fireball251

YouTube Details Changes Coming To Mid-Roll Ads On May 12 via @sejournal, @MattGSouthern YouTube revamps mid-roll ads to target natural breaks, offering hybrid placement options that reduce viewer disruptions. The post YouTube Details Changes Coming To Mid-Roll Ads On May 12 appeared first on Search Engine Journal.

1099 vs W2 with less pay? I’m assessing different options for my compensation. The work I’m doing is eligible to be classified as a 1099 contractor (no set hours, etc). Relevant context: WFH, I have a room in my house that could be classified as only for business (approx 10 ft by 12ft), as a W2 I get 3% safe harbor, cellphone and laptop provided. I don’t derive any other…

Easiest way to shop around for an auto loan? I think I’m overthinking this. Do I just go into a bank branch to apply and see what they can offer? I want to shop around for the best rate— would they be doing hard credit pulls that affect my credit? Can any of this just be done online instead? submitted by /u/SailingBarista

Brokerage no longer exists but never returned investment, are there any options? My girlfriend’s grandmother put a decent amount into a brokerage mutual fund back in 2000 for my girlfriend and forgot about it. Her grandmother has since passed away and the investment firm no longer exists, however we have paperwork of it existing (transaction confirmation + broker). Is there any government assistance or way to track where thi…

Mom took lump sum of inherited qualified Equitable annuity. Too late to put in inherited IRA? My mother recently inherited two qualified Equitable annuities totaling about $60k. She opted to take the lump sum instead of roll it into an inherited IRA. I don’t know if she realized what she did or if she just wanted the money. She’s in the 22% tax bracket but this income puts her into the 24% bracket. Is it too late to take the funds back a…

Considering a personal loan for credit card debt but open to input I’m 27 and I have about $7200 in credit card debt. I’m sitting with roughly 75% credit card utilization spread across 6 credit cards. Currently I have roughly a 680 credit score and I’m frantically trying to raise it in the next 3 months before I need to either lease or finance a car. Right now if I continue to make minimum payments on all of my…

Accidentally contributed too much to Roth IRA. What do I do? I have a Roth IRA because my parents started it for me when I was 18. I honestly don’t know what I’m doing with it and didn’t realize how complex it was. Well this past year I pulled money from a 403B after I quit with that company and then had to put it in a rollover to get it over to my Roth. I honestly don’t know what I’m doing. I don’t have …