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…

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

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 …

Laid off and overwhelmed by $30k+ of debt I can’t pay. Trying to figure out my options. My financial situation is worst it’s ever been, and as a 35 y/o with a good amount of financial knowledge, I feel like a total failure. My debt is paralyzing me, my income is barely enough to make ends meet, unemployment is all dried up, but I do have options. I’m just so overwhelmed that I’m having trouble figuring out what the right next moves…

Got mail notifying me that the short term life insurance plan my grandpa gave me became whole life. Should I just cash out? For context: I’m not really on speaking terms with my family but they recently forwarded me some mail from a life insurance company I had never heard of. It stated that my Early Steps plan has transitioned into a Whole Life plan, and I would need to pay 55 dollars a month to continue using it. I called the company and apparently my grandfather s…

How to stay at 0% for Long Term Cap Gain bracket by end of 2025 I am selling $8000 worth of stocks in my taxable account that are all held for more than a year to fund my Roth IRA this year. I will also receive dividends in my taxable account and interests from a HYSA account and several T-Bills. For federal income tax, I will be near the top of the 12% bracket but can move further down the bracket if need b…

Received notice from debt collector on medical debt for about $1200 Long story short, I got injured last year and eventually had other medical issues as well as personal ones which included moving. I forgot to update my address. I picked up mail back in Sept and there was nothing noteworthy and then again last night I received a letter from a debt collector for 2 bills for about $1200. I called the medical pract…

Would love to share my Personal Budget Template. I’ve been a freelancer for a few years, and what started as a simple tool to track client payments has grown into a system where I manage all my financial data (and a fun way to learn Excel!). I’ve now taken it to a point where it’s worth sharing with others who might find it just as useful – and in the process, it might help me improve it furth…

Annuitizing a 403(b) at TIAA I will retire in a few years and have a 403(b) from a previous university employer sitting at TIAA. Upon my retirement I want the 403(b) to generate a steady monthly payout for life that’s not subject to market volatility. It will be a major source of retirement income for me. A TIAA advisor told me that since “mutual funds cannot be annuitized”…

Should I Get a Mortgage or Not? I’m 27, not from the USA, and I have no debt. I make around 4000 a month, and my living expenses (excluding rent) are around 2000. I work at a financial institution, which gives me access to preferential mortgage rates—right now, I can get a fixed rate of 2.7%, while the normal market rate is 13%. House prices here are increasing by about 3-6% p…