What The ‘S’ On Your Gear Shift Means (And When You Should Be Using It) The “S” need not stand for Secret: Here’s what the extra letter on some automatic transmissions actually means.

Are Total Control Accounts worth it Just received life insurance benefit and MetLife suggests their Total Control Account at 2% APY. Just want to make sure I’m doing the right thing. Would it be better to get a check? There are plenty of things I need to pay off now. submitted by /u/Specific_East3947

Minimum threshold for filing 1099 INT, DIV and B I filed for my taxes last week and was accepted by the state and IRS . Today I received a 1099 INT and 1099 DIV from E*TRADE for stocks which I had purchased last year. 1099 INT- $0.20 1099 DIV-$2.45 1099 B – $2.03 I checked online and it says that institutions will not send 1099’s if the amount is less than $10. Am I required to do a amended ta…

Dumb Question about 401ks Putting in my two weeks soon at my current job. What do i do about my 401k? Can I roll it somewhere else? How do i do that? Sorry if this is a dumb question but in fairly young and this is my first time changing jobs. submitted by /u/Flaky-Intention-6416

(Can) Is it worth getting a loan to pay off my CC debt? I have $16K in credit card debt in 2 cards despite having a stable job. I feel like I’m stuck in a cycle of high interest payments ($350~ interest payments) that barely make a dent in the balance. Every time I make a payment, most of it seems to go towards interest rather than reducing what I actually owe. A friend suggested looking into a loan …

Have money in Columbia Threadneedle for last 20years from grandpa. Should I move it out? My grandpa put money into a Columbia International Dividend Income -I account. It hasn’t grown much in the last 20 years and I’m thinking I should move it out. Any advice as to what this account is? My dad told me to leave it in there, but I feel like in the last 10-15 years it has only growing $4,000 without me reinvesting. It’s been active sin…

529 – PHD Student living with spouse, is board rent or half of rent? Hi All, I’m a PHD student living with my spouse. We contribute to a 529 plan regularly and and then withdraw some of the money to pay for qualified expenses like rent and internet. I’ve been looking around trying to figure out if the qualified amount for rent/utilities would be the full bill, or only half? It’s under the university room+board e…

Best way to file tax on multiple streams of income My brain melts when dealing with taxes, please excuse me if this seems moronic Last year I was brought in as a paid consultant for a startup during buildout. Ultimately I agreed to sign on and eventually got put on payroll. I also provided a few contract services for the company that I got paid separately for. Aside from the payroll income all p…

Are these payroll allotments a scam? USPS Hello r/personalfinance. A little bit of backstory. I am a relatively new employee to the USPS, started in 2022. When I was in orientation, they went on and on about the benefits, how great they were, and so forth. Now, I know that most of those benefits are withheld for Career employees. 2 years, some months later, and I’ve paid off the car tha…

Tales From Astrology Seminars I started studying astrology with my sister, when I was eight years old. I was nearly thirty years old before I met another astrologer. This was because I’ve lived in the sticks most my life. But then I quit Frito Lay and moved to the city that had an astrology club. My sister thought I Source

LPT: Making homemade pizza? Use your grocery store’s salad bar to get the exact toppings and proper amount of toppings you need. I’ve been doing this for years at my local Whole Foods – I can find pretty much all good toppings (except for pepperoni) at the salad bar. Instead of buying a whole pack of XXX ingredient, head to the salad bar to get just enough of each ingredient/topping. Chicken, crumbled bacon, blue cheese, Gorgonzola, corn, green onions, red peppers, olive…

LPT pack the laptop cord first When you’re packing up your laptop, when you unplug the power cord, grab the cord and put it away first. Sometimes it falls out of sight, and it becomes easier to forget and harder to reach. submitted by /u/Away-Flight3161

LPT: Used coffee grounds aren’t trash-they’re free deodorizer, scrub, and garden gold. Stop wasting money! • Neutralize fridge smells (dry them first!) Mix with coconut oil for a DIY exfoliant. Sprinkle in gardens to deter slugs enrich soil. Your coffee’s second act is better than most Netflix sequels. submitted by /u/trending_zone

LPT: Read your vision insurance even if you don’t need it. You might be missing out on “free” stuff. TLDR: Your vision insurance might pay for non-prescription sunglasses. Edit: Real tip is in the comments. Look at your regular health insurance because it may make paying for separate vision insurance redundant. So I’ve had the same vision insurance for 14 years and I’ve never even looked at it as I’ve never needed it. Lately things in the dista…

LPT: A trick to making good decisions: pick the option that will make life easier in the long term even if it makes life difficult in the short term Often one struggles to decide between competing paths or options, not knowing how to assign appropriate weightage. Having a little longer term perspective can be very helpful when it comes to this. Decision making is inherently an emotional process. As we know from neuroscience these days. The default instant gratification circuit in the brain c…

LPT: Secure your iPhone even if it is stolen from you Set this from settings before it gets stolen. There’s no secured app but here’s what you can do: Set a sim pin. Turnoff all the items in “Allow Access When Locked” and leave Siri alone. You can do this by going to the following: Settings > Face ID & Passcode > Go to Allow Access When Locked and turnoff all the items there except for Siri. Set F…

LPT: in college it is much better to be friends with the people who have the party house than it is to live at the party house. submitted by /u/TheOfficialProxy101

2-Pack Amazon Basics 3′ 3-Outlet Indoor Extension Cord Power Strips (White) $3 + Free Shipping w/ Amazon Prime Woot has *2-Pack Amazon Basics 3-Foot 3-Prong Outlets Indoor Extension Cord Power Strips* (White) for *$2.99*. *Shipping is free* for Amazon Prime Members (must login with your Amazon account and…

Rheem ProTerra 50 Gal. Hybrid Heat Pump Smart Electric Water Heater $1488 & More + Free Ship to Store Home Depot has ProTerra 50 Gal. Smart High Efficiency Hybrid Heat Pump Water Heater w/ Leak Detection & Auto Shutoff – 10-Year Warranty for $1488. Shipping to store is free. Note, prices valid…

16” Way to Celebrate: Valentine’s Day Gummy Bear Plush (Pink, Red, Purple) $2.50 Walmart has *16” Way to Celebrate: Valentine’s Day Gummy Bear Plush* (Pink, Red, Purple) for *$2.49*. *Shipping is free* w/ Walmart+ (free 30-day trial) or on orders of $35+.