Meaning of Lien Holder on My Title I just looked at my house Title and it has 2 lien holders: original lender + SBA. I took out an SBA loan and signed my house as a collateral. Im just confused what this means on the website of my local country website. There is a column titled “Document Type” and “Total Value”. For the mortgage, Doc Type, it says “Deed of Trust” and for Total V…

Truist requires the dead account holder to report themselves as dead. Edit: Will try to call the exact branch tomorrow when they open to reach her banker. Hopefully this will sort things out. If anyone happens to have the correct phone or fax number at Truist Corporate that handles account closures, please still let me know. It’s something easy to find at all other major banks, just incredibly difficult to locate …

Found life insurance policy grandmother took out for me as a child, she passed almost 20 years ago, what do I do? Edit: Was able to get in touch with someone and the policy has lapsed – I was making a mountain out of a molehill thank you for the responses! Found somewhat similar threads about still living parents/grandparents trying to transfer ownership but nothing really on this. Just found out my grandmother had taken out a life insurance policy for me …

When is it worth selling company-granted stock for something like a house payment? I have ~$14k in fully vested stock given to me by my company over the last handful of years. It’s 5Y return has been +21.35%, but 1Y is -1.71%. While we might get a boost when we share year-end results, (or a tank, LOL) I honestly don’t know how much I believe in this company’s future. Anyway, I’m working on selling my condo to buy a small home…

My investment plan makes my living situation a bit tight. My current plan I have this: $150 weekly to FXAIX, FSPGX $100 weekly to FMDE, VTI, VIG. Edit: plus another $150 at end of every month to FXAIX and FSPGX. Which is $675 weekly (edited from $900) After a reduction in hours, I would feel more comfortable at this new plan. At least until I can find a second job or gain back hours somehow. I have thi…

After bills each paycheck I’m left with $150 dollars Basically my car is dying it’s 23 yrs old and will quit on my at any moment. So I had to get a new car. I got the best I could for under 10k but with insurance and car loan payment I’m left with nothing. How can I survive two weeks between paychecks with $150. I’m panicking. If scraping by like this is going to be my life I don’t want it. …

Leasing car, write off, depreciation and etc. What are your personal Experiences. I purchased a Range Rover 2021 for 113k. 60k miles on it now did a service that cost 4k plus lower tier services I don’t remember how much. If I started a 24 lease, montlhy payments will be let’s say 2500. How much for business? 40 miles Monday to Friday. 10 personal for grocery. Saturday Sunday let’s say 30 m…

Employer bonus to 529? I am fortunate to receive an annual $30k bonus EOY. I end up netting about about $18k and was wondering if there was a better stately I might be able to apply to this bonus. What if I asked my boss in lieu of a traditional bonus to make a gift contribution of the same amount into my children’s 529’s. On my end we would see the full untaxed amoun…

If I got a sum of money at 18 and invested it, does it become my partners money once we get married? I’m a woman and I live in Canada (Ontario if it matters). I got it and immediately invested it with our family financial advisor and haven’t touched it since (I’m 26 now). I couldn’t tell you what it got invested into, one was a fund I couldn’t touch until 25 and I think a variety of low risk things. If I got married, would my partner need to b…

Invest inherited IRA in brokerage or leave it? I am in my 30s and I’ve had an Inherited IRA from a non-spouse for a few years now. The person I inherited it from passed away in 2018 before the STRETCH act was passed meaning (if I understand correctly) my RMDs are stretched out over my own lifespan according to the IRS Single Life Expectancy Table. I’m wondering which is the better move pure…

30 Yr Old Looking for Advice Currently making >$30k a year, however my expenses are extremely low and I have no debt. Already have a decent amount saved up as well as some sizeable investment accounts set up when I was a child. Now I’m more just looking for advice for what I should do with the “extra” income or what investments I should be doing research into. submitt…

Parent unable to “Submit FAFSA” due to their Tax Documents having to be sent back to the IRS To surmise a rather stick home-life situation as best as I can, my parents (Divorced), both have outright almost belligerent refusal in aiding me in completing a FAFSA form. I live with my mother, who is sustainably poorer than my father. Who in theory would provide me a greater Student aid benefit. The problem is, she claims my father had “Mess…

Accidentally contributed to trad IRA I thought I can claim the tax deduction for $7000 traditional IRA and turns out I don’t get tax deduction because my MAGI is too high. Is doing backdoor ROTH my only option now? Thanks. submitted by /u/PurplePegion

What can be done with a 403b? So my wife has a 403b through her job and it’s not performing well and has very limited options. Currently we pay $60 a quarter in fees. In the last 12 months only made 10%, which is lagging behind the market and our other retirement accounts. And finally, the account that it is with, aspire financial, only offers 3 options to invest in. A cons…

Question about taxes If someone has 2 jobs and they are not sure how long they will keep the 2nd lower paying job is it better to put the extra money they will potentially have to pay in taxes in a savings account or just change the w4 to have the extra taken out of the higher paying job? Employers can take a long time to process a w4 change. Change might last less …

Paying off debt w/ stock earnings Hello, since I turned 18 (now 23) I’ve been putting money into stocks, I’ve earned about $5,000 on those stocks and am sitting around $18,000, I have a car loan I want to pay off early that’s around $24,000, should I sell my stocks to pay down my car loan or keep the stocks and pay off the car loan slower, this has really been bugging me lately,…

Max out 401k or save towards a house? TL;DR do I prioritize buying a house or saving for retirement? I’m almost 42 years old and am behind on retirement savings largely because my early jobs didn’t have a 401k and I didn’t make much money until my late 30s (didn’t hit 100k until I was 35) and was also supporting my father financially. My father passed away a few years ago, but I now…

Leased to a motor carrier, #’s don’t seem right. Are they trying to have me pay their taxes? Hello to all, not sure if this is the correct tab to post this question. If it isn’t please let me know and please guide me to the proper location, I’d greatly appreciate it. So I’m a owner operator in the trucking industry and I am leased out to a motor carrier and I recently received my 1099, they are claiming I earned $111,208 for the year, …

Hypothetically, deciding to cash out 401(k)s, IRAs, 529s and leave the US permanently—how do the logistics of this work? If a family were planning to leave the US and move to the EU (EU residency/citizenship is already taken care of), how would the logistical process of cashing out all US accounts work? We’d have to have new accounts set up in the country we’re landing in, and what types of accounts would depend on the country, presumably? Can you “roll over” any…

Nvidia is in danger of losing its monopoly-like margins But don’t count it out yet