Best way to pay for upcoming expense? (20k) Hi All, Just found out the other day that our boiler is cracked and needs to be replaced. We are based in the New England are so we have very cold winters. We currently have an oil tank but are using this to switch from Oil to Gas to prevent any future liability with oil tank. The estimated cost of this is around 20k. I currently have a chase sa…

LPT: If you’re facing an unexpected expense, consider negotiating payment terms with the provider. If you find yourself facing an unexpected expense, don’t be afraid to ask for a payment plan or extended terms. Whether it’s a medical bill, a repair, or even an invoice, many providers are willing to work with you if you simply ask. This can help reduce the immediate financial burden without accumulating interest or penalties. submitted by …

529 for tax expense for course reimbursed by employer My daughter’s work place paid for a course and are now taxing the employees for the entire $5,000 course. Would this be something I could reimburse her from her 529 plan for–the tax expense only, which is going to be about $1200 over three paychecks. submitted by /u/OkDingo7056

Expense Tracker for IOS I used axio for tracking all my expenses and income. Detects the transaction from message and gives a notification, I choose the category of transaction, quick note and when required attach picture of the bill. I’ve switched from Android to IOS now, I don’t see the tracking option in the axio app. What is a good alternative for this? submit…

High expense ratio 401k question Hi. I’m 29 trying to start saving for retirement. I make around 116k/year before taxes. My company is a smaller company that recently offered 401k. They match up to 4%. Right now I’m putting in 4% just to get the match. I’m in a target fund date of 2060 but the expense ratio is at 1.04% which I feel like is pretty high. I have a Roth IRA throug…

I automatically paid my corporate Amex after forgetting to expense a hotel stay. Now my employer has approved my expense and paid the $500 charge on a zero balance card. What now? As the title reads, I stayed in a hotel on a work trip in early March. Then I completely blanked on expensing it because that’s not something I do often and just don’t think about it. In April the card was automatically paid from my checking account. I should have caught that, but also didn’t. Fast forward to a few days ago, I went into my expen…

Should I move from Fidelity’s managed FFFFX to unmanaged FBIFX? performance is very similar, but expense ratio is much less. I park my retirement savings in a 403b and a Roth at Fidelity, both investing in a target date index fund: Fidelity Freedom 2040 (FFFFX). I just found out that FFFFX is a managed fund that has a net expense ratio of 0.74%. I see Fidelity has another target date index fund FBIFX, also tied to the S&P500 but is unmanaged. It has very similar perfo…

Six Ways to Handle Any Unexpected Expense Staying calm and having a plan can make these stressful situations much more manageable.

Looking into an all-expense-paid vacation for my family – recommendations? Hey everyone – We’re looking for an all-expense vacation to, I think, the Caribbean in February. We have a 3 and 1.5 year old so will need something family friendly and nice/safe. Not trying to do it cheap, we haven’t been on a vacation like this with the kids yet. We currently live in Brooklyn and would fly out of New York. Any recommendations …

Employer wants to pay me via “Expense reimbursements” Florida W-2 For a bit now, my employer has been paying several salaried employees within the company a portion of their salary as an expense reimbursement. In addition, I receive a profit sharing bonus every 4 weeks that is paid to me via zelle. Obviously, this is payment under the table to avoid payroll taxes What is my liability in this situat…

Is New Orleans worth it? My husband and I have never been and wonder if it’s safe and worth the trip/expense? We want to go somewhere next month for our anniversary and neither of us have been to NOLA so we’re hoping to get some insight here about whether or not it’s worth the trip? submitted by /u/pescabrarian

LPT – Don’t overcommit to social responsibilities at the expense of your own well-being. It’s okay to say no when necessary. submitted by /u/EngineMain199

I work as a freelance actor. Can I write off a gym membership or personal trainer as a business expense? I started working as a freelance actor two years ago. I get a 1099 from every company I’ve done work for. One of the biggest reasons I keep getting work is due to my muscular physique. I’ve been paying for my gym membership and personal trainer as a personal expense this whole time. However it just occurred to me that, since I use those to keep …

Employment expense refunds never received, employer says otherwise My employer (large corporate company in USA) owes me around 2.5k EUR in refunds for expenses incurred during work-related travel. The employer tried to transfer these funds through Bank of America, passing through some intermediate banks, with the final target bank in Europe. My bank never received the funds, and when I contacted my employer, th…

Z/Our Schools: Right-Wing Indoctrination in Charter Schools at Taxpayer Expense Z/Our Schools: Right-Wing Indoctrination in Charter Schools at Taxpayer Expense Charges that public schools are subjecting children to leftwing indoctrination are proving to be mostly over-hyped or not at all based in fact. Yet, there’s evidence, according to a new report, that a fast-growing sector of the charter school industry i…

About to reach my max out of pocket medical expense, should I make sure to do certain medical stuff this year? My current employer’s insurance isn’t that great (previous employer I barely had any out of pocket expenses. pretty much everything was covered 100% except specialist copays at like $10/visit and prescription drug copays). I’m about to hit my max out of pocket expense for this calendar year. I want to take advantage of this, and see if there’s …

Should I invest in the SP500 or an index fund with 0 expense ratio If I were to invest in FXAIX (Fidelity 500 Index Fund) the expense ratio is 0.015, but i can also do FZROX (Fidelity ZERO Total Market Index Fund) and that has an expense ratio of 0. Should I just invest in FZROX since it has no expense ratio, or should I do both? submitted by /u/Hot_Eye3523

Executive coaching is useful therapy that you can expense The practice does not have to be an exercise in platitudes