Employer gave me a small chunk of stock 3 years ago. It’s tripled in value since then, and fully vests this year. Should I cash out? If so, how? They gave me $5000 in stock around 3 years ago. I have access to half of it right now. One quarter becomes available next month, with the final quarter of shares becoming available in August. Stock price has nearly tripled since then. To be honest I kind of forgot about the fact they gave it to me and it’s just been hanging out. There’s not anyt…

Does signing a separation agreement w/ former employer affect unemployment pay? So today was not great. I was laid off from my company due to “restructuring”. My mind is still swimming a bit when it comes to next steps but one of the things I know I want to do by tomorrow is file for unemployment. My only question is does the separation agreement I was sent by my now ex-employer have any bearing on this? It describes the “s…

Advice on Fidelity Brokerage EFTs Hi everyone, so last year I started to invest in my fidelity brokerage account to purchase some ETFs by following the boglehead method. I totally missed the part where, if it’s a brokerage account, you have to pay taxes if you do decide to sell or (since I cannot transfer?) those ETFs.Since my Rotha IRA is with Vanguard, I do not have one with F…

Traditional IRA Deduction Income Limits I am….wildly confused about whether or not we can get a deduction for contributing to a traditional IRA. Husband has a retirement plan through work. I do not have a retirement plan through work. The wording on the IRS website is incredibly confusing. The IRS uses the word “you” when explaining the deduction phaseout. Which you? On the one hand…

Wix Shares How To Optimize Enterprise Marketing via @sejournal, @martinibuster Wix shares how to develop a marketing team that works at peak performance and how to avoid pitfalls like AI silos The post Wix Shares How To Optimize Enterprise Marketing appeared first on Search Engine Journal.

Student Loans are $57K and have 30K in savings Should I put all of those savings and pay off that chunk of my loans? I’m going back and forth on if I should just pull the trigger. I acquired 30K in savings during Covid and it feels like free money. Would it make sense to just throw it all at my loans? submitted by /u/fake_cowboy88

Got slapped with a $1500 medical bill. Need help with my next steps. So I obviously didn’t do my full due diligence. I went in for a head MRI which I assumed would be covered by my insurance. According to the plan document preventative care was supposed to have the deductible waived but I guess it didn’t count even with the referral from the doctor. Could use some advice on what my next steps should be since I de…

21yo starting to track expenses Im a 21 year old, just started to track expenses on a google sheet. My mom suggested I did because I have no control and spend every single dollar that I get my hands on. I really do wonder where my money goes because it goes fasttt, but I am here to ask what will I get out of this, this seems like a hassle I like the google sheet that I made, b…

Best way to supplement pension? I’m way too late to the game, and just looking for ideas of where to start. I’ll be 39 next month, my wife (37) stays home and we have 3 kids 5 and under. I’ve got a decent job at $150k + benefits and a great pension, but I’ve come to realize that we’re going to want more in retirement. On top of the pension, I just opened a Roth that has $500 i…

What would your plan be if thieves gain access to a smartphone with all your cards and bank accounts on it? This post arises out of some thoughts I had after my friend got robbed recently. We don’t talk much on this sub about the risks that having your finances electronically integrated into your smartphone poses, but my friends situation demonstrates what can go wrong. After a late night at the bars, my friend was jumped and the attackers took his wa…

Confusion- Am I a victim of Identity Theft? So I’m a little lost on if what I am experiencing is actually identity theft, or if something else is going on. A couple weeks ago I got an email from my HYSA saying that an external account was added. When I logged in, I saw that $9,000 had been transferred to a bank account that I don’t know or own. I immediately informed my HYSA bank and the …

My FIL got a loan out for my husband and now I’m confused My husband had to total his car in 2019 (may) due to a hail storm. At the time he was 19 and clueless and his dad got out a loan and paid off his car. I was told the loan was $6,000 and has an interest rate of 10%. This would mean he pays $7640 over the span of 60 months (5years) at the minimum payments of $128. We have a baby on the way and I…

Savings vs Student Loans For some context, I recently graduated from college with a physics degree and have about $28k in student debt. About a month ago I got an entry level lab technician job at an Optics Lab that pays about $19/hr with the promise of easy raises because of my education, and I take home just over $600 a week. I’ve got about $14k in the bank right now …

Would like to retire asap – thoughts? Ages 65/64 (spouse) Both in good health. $150k mortgage at 2.75% Annual expenses (including mortgage pmt) $70,000 Retirement savings: $1m, 50% index funds, 50% mm and short term bond funds $50k in cash in HYSA Targeting retiring at 67 Thoughts? submitted by /u/MrRazor5555

Had to rack up cc debt to pay bills and buy food. How to best fix it? If you don’t want to read the backstory, just skip to the bolded section. Disclosure: I’m a 1099 contractor. If i don’t work, i don’t get paid. I was in a car accident and had a severe concussion, leaving me unable to work for about 4 months. My savings dwindled too less than 5k. A month after returning to work, I slipped and fell in the kitch…

I’m 22 and am in $18k debt Hi everyone! I’m 22 and am in $18k worth of credit card debt. I was 18 and reckless, and now I am paying the consequences. I have two credit cards, one with a $5xxx.xx balance with 27% APR and one with a 12xxx.xx balance with 26% APR. What is the best way for me to tackle this? I am so tired of being in debt and having these payments take over …

Question on taxes, specifically FSA Dependent Care Hi all, Starting to put my tax return together and had a question on the FSA dependent care. My wife and I both took the $2500 amount to add up to the maximum $5000 allowed for approved dependent care expenses. Our daycare is way more than $5k a year so that’s not the problem. What I’m getting confused at is when I put the $2500 from box 10 in…

Send an EOB to debt collector? I just received a debt collection notice for over 1k for a surgery I had in 2022. I’ve never received any bill for that amount. Per my insurance, I only owed $150 which I paid. I called the hospital and they confirmed they had sold a debt to that agency and said they’d send an itemized bill in 2 weeks. I called the debt collector and disputed t…

My past landlord is asking for my SSN to fill 1099 tax form for 2024 rental income I rented from a landlord for about 3 months over the last summer. They just texted me asking for my last name and SSN to fill their 1099 tax form for 2024 rental income, and that they were late. Is this protocol for renters, because I do not feel comfortable providing my SSN. Edit: Thanks for the quick and insightful responses! General consensus…

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