#capital

New Capital One Bill Pay

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New Capital One Bill Pay What’s coming in the new Capital One Bill Pay? The email didn’t seem to promise a better experience or new features. It almost seemed like they were trying to lower expectations in the FAQs saying some payees might not be able to be paid electronically. submitted by /u/Typical-Trainer4533

Reddit Personal Finance 1.1k 2025-01-21

Capital One is doing soft credit checks on me every 3 months… I don’t like it.

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Capital One is doing soft credit checks on me every 3 months… I don’t like it. I ran my credit on AnnualCreditReport.com (the actual free one, that they are legally obligated to supply in my understanding) and on Equifax I am seeing CAPITAL ONE BANK USA NA doing a soft credit check every 3 months or so for the last year. I know that this does not negatively affect my credit score, but it still bugs me. I know this is how t…

Reddit Personal Finance 726 2025-01-16

Estimated taxes after capital gain and safe harbor rule

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Estimated taxes after capital gain and safe harbor rule Hey all, I work a regular W-2 job, and had a $100k realized capital gain in November 2024. Based on my rough math, I will ultimately owe about $25k in federal taxes on this. It’s my first time dealing with estimated taxes/safe harbor rule, so just trying to confirm whether my understanding is correct. I realize I will need to figure this out for…

Reddit Personal Finance 537 2025-01-13

Capital One 360 – class action law suit ???

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Capital One 360 – class action law suit ??? I’ll keep this short, since others share my loss. I am devastated to find out that my Capital One 360 high yield savings account was a bait and switch and I have unknowingly been receiving absurdly low interests rates for almost a decade. I see there is a class action lawsuit underway. https://www.wolfpopper.com/cases-investigations/capital-one-…

Reddit Personal Finance 753 2025-01-10

Long-term vs short-term capital gains

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Long-term vs short-term capital gains I’m looking to sell a stock that I’ve regularly purchased since 2021. I now hold about $37,000 of this stock, which includes 102% in gains. The overwhelming majority of my purchases of this stock occurred more than one year ago. However, I purchased around $500 of this stock this past summer. If I sell now, how will this recent purchase affect w…

Reddit Personal Finance 1.2k 2025-01-07

Long term capital gains

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Long term capital gains I’ve been a Boglehead shoving money into the S&P500 retirement accounts for the last 10 years and just started to make enough where I’ll have some left over for a brokerage account. To, again, shove in the S&P500 and hold for decades. I had some questions about the long term capital gains rate because it seems too good to be true. (1) I seriousl…

Reddit Personal Finance 499 2025-01-07

Help with minimizing capital gains loss

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Help with minimizing capital gains loss Howdy friends, I have about $48k invested in a variety of individual stocks that I am trying to sell and move into broad stock market ETFs (VTI and/or VUG) – In retrospect I made a mistake in purchasing them, would have made more on the ETFs, but it has still been a good year for them and they are up about $13k. My question is this: If they wer…

Reddit Personal Finance 917 2025-01-05

Does Capital Gains Affect your AGI?

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Does Capital Gains Affect your AGI? I am recently retired and want to minimize my taxes for 2025, but am confused over how Long Term Capital Gains will affect my AGI? I know I need to keep my AGI under a certain number to pay 0% on my Long term Capital Gains. Question I have is how does the capital gains affect my AGI? If I have IRA and Social Security (and part time job) that com…

Reddit Personal Finance 629 2025-01-03

Auto Refinance with Capital One

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Auto Refinance with Capital One Hi everyone, It’s my first car loan and I am not too sure about my calculation, so I would like to seek out help from the experts here about potential refinance with Capital One: Current loan from Honda Financial: APR: 6.99% per contract, but pre-qualify tool says 7.12% Monthly payment: $704 minimum, I personally pay $200 extra into principal…

Reddit Personal Finance 743 2025-01-02