Mortgage payments or 401k, IRA I’ve had an increase in salary from 80k to 155k/year. I’m deciding on how to best divvy up my funds. 30-year mortgage and luckily got a 4.75% rate when we purchased around COVID. Various savings accounts; 529, IRA, and 401Ks with a total of ~40k in savings. 36, married with 2 young children. I’m the only one working. I’m currently putting 15% in…

Escrow payments for Marketplace Hi It’ all in the question, I want to make some SaaS marketplace with sellers and buyers, something like Upwork, but for the payment system I’m not sure know what architecture/solutions would better do the job. I first tried to use checkout.com , Stripe is not available where I am (don’t want to use their Atlas solution for the moment) and for P…

Is it worth keeping Paypal as a Payments Processor? I don’t like that Paypal holds money and having read a few stories over the years, it seems like a singular disputed transaction can result in Paypal suspending your entire account, rather than the aforementioned transactions. This is particularly bad if it’s clearly the customer in the wrong, rather than yourself. It feels like this could be a …

Crypto payments I’m based in the UK. I need a way to accept online payments as my industry is deemed “high risk” but legal. What I need: Customer pays with debit/credit card > lands in my account as fiat or cryto. Currencies: USD, GBP, EUR, CAD, AUD I’m KYC friendly. Thanks. submitted by /u/Creative-Charity-721

HSA payments being skipped by employer My company has been slow to put my HSA money into my HSA account. How long do they have from the date they took the money out of my payroll to pay me? State of Rhode Island for ref. submitted by /u/PrettyHovercraft2021

Question about delayed payments Is there a service that allows you to delay a payment to someone for a sale until the buy rates the seller, this is like mercari. The seller sells their own product on a marketplace and the buyer buys it and the money is held until the buyer gets the item and rates the seller. Or it auto releases after like 4 days. submitted by /u/CyberP…

How do you do payments between USA and Europe? I’m a photographer living in Switzerland and I have more and more clients from the US. And here comes the problem with payments for photoshoots – bank transfer usually doesn’t work for them. In Europe it is the most popular way to send money, in Switzerland we have TWINT to send to other phone numbers – but it’s just within Switzerland. Cash do…

Unauthorized payments from “Google G Suite” and “Google Workspace” In September, I had 3 unauthorised payments stolen from my n26 account to a total of 1.2k. They were under “Google Workspace” even though I do not have this. They also tried to steal various amounts but thankfully I had already moved my money to another savings account. After immediately reporting it to n26, they told me to contact Google to ver…

Philippines Payments Hey y’all. Im heading to Bohol island for a couple of weeks soon, i have an electronic Wise card on my phone. I was wondering if this will likely work or if i’ll have trouble using it based on anyones experiences? submitted by /u/LangLingPhonPhun

Car payments vs. Cash Hello! I was seeking help about my current situation. I currently owe around 18,000 (payoff quote from my bank) with 60 more months left on my 72 month loan. My payments are around 365 monthly. Ive been debating lately whether I should sell my 2019 Crosstrek (200,000ish miles) and buy a cheap 3000ish dollar car to avoid having payments, as my fi…

Help needed in receiving payments. I have started a clothing brand using printify but I currently do not have a budget to set up shopify so I am currently using an instagram page to sell but how do I recieve payments from clients without using stripe. submitted by /u/I_behold_sacred_Info

Receiving recurring payments on my website, any alternative to paypal and stripe? There are several other payment gateway options available in alternative to Paypal and Stripe.Do you have any experience or suggestions for me to save on fees and still be sure I get the money? Thanks in advance for your kind attention, your valuable ideas and words. Here are some of the options to consider: Authorize.net: Authorize.net is a pa…

Should I switch my mortgage to biweekly payments? Hi! Last year I bought a house at a 5.625% interest rate. While I am not happy with it, it is much better than what they are offering nowadays. My current mortgage is $1,945.55 but I send $200 more to the principal. That works out to 652.87 to the principal, $1347 to interest, and $245.67 to Escrow. Would it be better to send payments biweekly o…

Should I add a fee to paypal payments? Hello there, I own an ecommerce in Italy and I have come to the conclusion that paypal is an expense I can no longer bear. Besides giving a worse user experience, it costs almost twice as much as the other payment methods I provide. Despite being the least available option 70% of my clients seem to prefer it ( my audience is mostly over 50yo ) S…

Did I jump start my student loan payments? I decided to pay back one entire loan because the interest of my student loans were stressing me out and I could afford it. Everything I read online said I could pay back while in deferment and it wouldn’t affect it. I just got an email saying I have an amount due in December 2023 and ALL my loans are accruing interest now. The last email I got …

Does a mortgage recast consider previous principal payments? This seems like it should be simple but I can’t find the answer explicitly after reading many articles about mortgage recasting. Suppose I started out with a 500k mortgage (making up numbers here). I’ve been making payments for a year or so, and during that time I’ve paid down the principal between mortgage payments and additional principal pay…

Shopify Payments Hi, so I sell collectible knives and I recently received an email from Shopify saying that I can’t use Shopify Payments whilst selling knives. Now, I thought as they were listed as collectibles I’d be okay but I’m guessing this isn’t the case? I don’t mind using another payment processor, however it is something I have not done before. I am in …

Any banks with automatic Zelle payments? Title basically says it all but I’m wondering if there’s any banks out there where you can see automatic Zelle payments on a certain date like you can with Chase Bank? Curious of my options out there. submitted by /u/JosephPrivate

simple subscription payments software Hi – we have a business that right now is entirely offline. For simplicity, think of it as a meal prep delivery service. Right now we collect cash but would like to have a link where people can pay and setup a subscription. What is the best online service to use for this? We don’t need a full webpage, just functionality for customers to sign-up …

Employer missed spouses short term disability payments and is asking for money back from makeup payments. My spouse was out of work for about 2 months on short term disability over the summer. During that time her employer didn’t pay her for an entire month. This was after the waiting period ended. Later after looking at bank deposits we communicated with the disability insurance company and they made what appeared to be makeup payments. Now her emp…