#capital

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 741 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 551 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 765 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 509 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 931 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 641 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 758 2025-01-02

Which capital city gets a lot of hate that you loved visiting?

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Which capital city gets a lot of hate that you loved visiting? It’s common for people to shit on visiting capital cities. They often get labeled as too touristy, too crowded, unsafe, inauthentic, boring, etc. I don’t understand how people can get bored in a city with millions of people and ton’s of attractions, but everyone’s entitled to their opinion so I respect that. So what’s a city you visited that ge…

Reddit Travel 394 2024-12-28