I also paid BofA $671.51, and Chase $519.07.

: /

(I'mma try not to do that kind of thing again this year.)

http://www.vertex42.com/Calculators/debt-r...calculator.html

I realize the danger of having multiple credit cards but I do need them and enjoy having them as backup when my paycheck doesn't quite keep up with my expenditures. I'm an avid traveler and travel around 3x per year in which I incur most of my spending. I do have a full-time decent paying job but I am single so I only have "my" income to base everything off of.  

OVERVIEW: 

* I have 3 (THREE) $1,000 limits cards and they are currently almost to the max and I need to pay them off. (So not quite $3,000 but close to it).

* I have 2 (TWO) $850 limit cards and they are currently almost to the max and I need to pay them off as well. (So not quite $1,700 but close to it). 

(I have a few smaller limit ($300, $400 cards that I keep zeroed out most of the time).

I just got a $5,000 loan (not sure if I can say from whom but it is local in my town) that I used half of that to pay off a different loan I had for $2,500 that the interest just kept snowballing. This $5,000 loan has a payment of $239/month with a total of $1600'ish interest over 2 years I believe (not the best terms - but it doesn't seem the interest will just keep snowballing and never allow me to get out from under it at least that is what i think...)

I have come into a little money recently and have the opportunity now to PAY that $5,000 loan OFF since I just got it with only incurring around $40 in interest - is that what I should do ?  OR should I use this money to pay those credit cards above? And try to pay down that $5,000 loan each month at $239 ??

I just want to do the right thing ...

Please let me know any thoughts or advice you may have. 

On August 9th I bought 100 shares of Wells Fargross at $52.21 per share.

Yesterday I put in a limit order to sell all 100 at $56.21.  The trade was executed earlier today, yet when I logged into my Schwab account, the proceeds were reported as $5620.82.

Truly, $56.21 per share was the reported sale price; how are the proceeds not an even $5621.00 ?

(EDIT: I mean apparently they're allowed to trade in prices that include fractional cents?  If so, is there a setting in my Schwab account somewhere that I can tweak to prevent it?  Some "Whole cents only" check box...)

('nother EDIT:  check box schmeck box; I'm not sure why I even posted any of this  : /  )

Many things have changed:  Card transactions are wayyyy more common, people are carrying a greater quantity of cards, online banking privies you to whatever info the bank has on your transaction without you having to wait for your statement.

I have a billion credit cards, too many debit cards, and thus a sea of receipts that I'm clueless about how to handle.

Do you have an organizational system for managing yours?

I worked for a major company that, as part of the 401k plan, they gave you stock in the company. I was only with that company for 2 years or so, but in that time, I received around 12 shares of stock in the company. When I left, I called the financial manager and asked about moving this over to my new employer's 401k plan, and I was told there is no value in the account and nothing I can do with it. So I just shrugged and went about my way. Well, every year, I get a shareholder's package in the mail telling me how much stock I have in the company and apparently sometime in 2023, the stock split... so now I have 24 shares of stock. When I got the shareholder's package this year, it told me the value of the stock was around $8k.

When I call the financial company, (I believe it is Fidelity), I'm told the same thing.. there is no value to it. But yet I am showing to have 24 or so shares of stock of the previous company I worked for. I've called the HR department of my previous employer and they don't want to even talk to me. I have not yet reached out to my current employer's HR department, as the stock of the company I "own" is a competitor of the company I currently work for and I don't want any conflict of interest claims being made...

Can anyone help me untangle this mess? I'd like to just take any value and move to my current employer's 401k plan if I can.

See, I have inherited another IRA and evidently it is now the case that the whole thing has to be distributed within ten years.  This was news to me.

Is the IRA I inherited in 2014 grandfathered in, or am I in trouble for not having drained it all, these ten years later?  (With investment appreciation, there's about as much in there now as there was ten years ago, even with me having made regular withdrawals  : /  )

https://www.businessinsider.com/quit-my-career-live-off-savings-financial-crisis-2024-6

The plan I have concocted is to maximize my 401k contribution - I currently contribute 6% of my salary as that is the company match ceiling - to the full 25% that the company allows; and that reimburse myself for that extra 19% out of the trust income.

My reasoning goes that since the income you contribute to your 401k is untaxed, I significantly ease my tax burden with no impact to my net income.

I suspect I'm probably missing something here though.  My personal history tells me this probably isn't as good of an idea as I think it is.

(What is it that I am missing?  : / )

52 Main Street, Concord, Mass.  It was a BayBank - Harvard Trust at the time; is now a Bank of America.  It's where Dad took me & sis to open our first bank accounts when we was kids.

460 Montgomery Street, San Francisco.  Opened a checking account at Coast Federal Bank.  The building now holds the officess of a law firm.

715 Bridgeway, Sausalito, California.  At the time it was a branch of Wells Fargo.  Gross.

213 Chestnut Street East, Stillwater, Minnesota.  US Bank.  USed to be some other bank.  Meh.

One Powell Street, San Francisco.  Opened my second (2nd) BofA checking account.  The free checks, picturing an eagle in flight, were actually ugly.

The Granite Trust Company Building,1400 Hancock St, Quincy, Massachusetts.  Is now Bank of America. Walking distance from the Red Line station.

The Field Building, Chicago.  Also is Bank of America.

When I visited Seattle in 1995, I encountered an ATM belonging to First Interstate Bank of Washington.  Not sure if the building was an historic one or not.  As a Californian I was excited to see a bank called "First Interstate Bank of [something other than California]."

Have also been to a Chevron station in Seward, Alaska.

You heard me.

Still, when I ran the numbers on my recent Geico 6-mo renewal, my eyes just about popped out of my head ...

We insure 3 vehicles with original cost of about $50k ea, model tears 2020, 2011, 2006.  We carry hefty limits on liability, etc.  (No coll. on the '06).

Our 6 mo pay-in-full premium is $2071.  (That's up from about $1300 a year ago.)

Now, I may have inadvertently switched my payment plan at some point, because I was billed on a 4 pay plan at $2321.  (I had to call for a pay in full quote and wait a day to schedule payment.)

So a little envelope arithmetic suggests that if you were instead to run the premium through a credit card and pay in a similar manner, the card must have an APR of 80%+ for $250 in interest to accrue in just 3 mo. (Remember, the first 25% installment is due on Day 1 of the policy term.)

If you should go with the installment pay option on your policy, consider the numbers and possibly pay with a credit card you don't otherwise use for PIF charges each month.  (You get cb/pts to boot).

Of course, better yet, pop 1/12 of your annual premium aside each month in a savings account and avoid the finance charges altogether.

(Not suggesting I'm offering up sage advice here; but I really had no idea of the magnitude of the eff. Int rate charged on Geico's monthly installment plan!)

Sidewinder opens a checking account at a branch of Associated Bank in Bloomington, Minn., with an initial deposit of $100 in the form of a check Sidewinder has made out to himself, drawn on the U.S. subsidiary of Bank of Montreal.  Bank of Montreal, despite its name, is in actuality headquartered in Toronto.

The banker compliments Sidewinder's handwriting.

Evening of December 18, 2023.  (Ten days, three hours till impact)

Sidewinder deposits a $1,000 check, made out to himself, drawn on the BMO account, at an Associated Bank ATM in North Branch, Minnesota.  Sidewinder is in North Branch en route to the Duluth area with the main purpose of visiting the Sinclair station in Two Harbors.

The ATM is an envelope-free ATM that has successfully read the amount written on the check.  Sidewinder interprets this as a compliment on his handwriting.

Evening of December 27, 2023.  (Twenty-eight hours till impact)

Sidewinder deposits a $3,250 check, made out to himself and drawn on Bank of America, at an Associated Bank drive-up ATM in St. Louis Park, Minnesota.  Sidewinder drives away not having paid attention to the updated "available balance" on the ATM receipt, as he is already aware of the likeliness of an EFA hold due to the size of the deposit combined with the minuscule age of the account.

Afternoon of December 28 (six hours till impact)

Sidewinder logs into his American Express account and transfers several thousand dollars from his Rewards Checking account via ACH into the account at Associated.

Morning of January 2 (four days, thirteen hours past impact)

Sidewinder visits the Associated branch in Bloomington and deposits one thousand dollars in the form of ten crisp Benjamins.  The account balance is now sufficient to qualify for the $600 new-account bonus that was the whole blamed reason for this clown show in the first place.

Afternoon of January 2 (you get the impact thing already)

Sidewinder initiates a $100 ACH transfer to an online HYSA at another bank from the account at Associated.  The account at Associated is newly linked to the HYSA and the purpose of the transfer is to verify that the linkitude is functional.

Evening of January 4 (we're like, way impacted at this point.  (Gross.))

Checking the overall status of his bank accounts, Sidewinder observes that the HYSA transaction history lists an ACH transfer credit of $100 on January 2 as well as an "ACH debit return" on January 4.  He phones the bank where the HYSA is and asks if they have any details on why the ACH debit was returned.  The banker investigates and reports that Associated returned the ACH transfer with a note that the account is frozen.

Sidewinder calls Associated to find out what in tarnation is going on there.  The best explanation the banker can offer is that the $3.250 ATM deposit is what caused the account to be frozen.  This was not an EFA hold on funds deposited and not yet verified; indeed the account already had several thousand dollars in funds that could not possibly not have been validated by that point.  Sidewinder, intending to take this matter higher up than to the person who answers the customer service 800 number on Saturday night, simply gets the banker to confirm that Associated had made the exasperating move to A) respond to a non-mammoth $3,250 deposit not by placing an EFA hold on the funds, but rather by FREEZING THE ENTIRE ACCOUNT, INCLUDING ALL THOUSANDS OF DOLLARS DEPOSITED IN PERFECTLY GOOD FAITH AND INEVITABLY VERIFIED and 2) not bother to NOTIFY THE ACCOUNT-HOLDER VIA TEXT, PHONE, OR EMAIL THAT THEY WERE FREEZING HIS ENTIRE FREAKING ACCOUNT.

The account was unfrozen on January 4th which does not undo the unacceptability of never notifying the account-holder in the first place.  Did they break the law by not notifying?

Any feedback on these?

Thank you.

(This is money management, is what this is.)

In my TreasuryDirect account I have well into five figures worth of bonds, divided between EE and I bonds. I buy a bit more once in a while. Since I have no pressing need for the money, the bonds sit there and earn interest. I can redeem them any time I want to as long as the bond I'm redeeming I've held for at least a year.

Recently, compulsive me opened an Israel Bonds account (Computershare manages it in the U.S.). I buy one $36 eMazel Tov bond online. It pays about 5.7% interest. The downside is the bond has to be held for five years, with no way to sell it beforehand, or transfer it, except if I drop-dead. I have no plans on buying more. It's more of a novelty. If someone asks me if I own savings bonds, I can say "Yes! eMazel Tov bonds!" They either won't know what I'm talking about, or will think I'm out of my mind. The latter is OK, as they'll then leave me alone. 😉 

Buyers of Bored Ape NFTs sue after digital apes turn out to be bad investment

https://www.fool.com/the-ascent/buying-stocks/articles/here-is-the-average-401k-contribution-rate-the-amount-may-surprise-you

We have $2 million for retirement and want to spend every single dollar before we die

https://www.cnn.com/2023/06/15/business/tiktok-summer-intern-commute/index.html

I have a bunch of bonds that I already deposited into my TreasuryDirect account. They're there for when I want to redeem them. I can immediately see their current value.  Some people say the TreasuryDirect website is horrible. It's not that bad. I've been to a lot of banks' websites that are far worse.

Link:

https://finance.yahoo.com/news/fake-savings-bond-scheme-leads-091450592.html 

I have a few questions

1. how much will I be taxed by the IRS afterwards

2. I want to buy another home (HTX) should I wait? I want to go FHA…my scores according to myfico my mortgage scores are 

TU 532

Experian 590

Equifax 631

Can I buy? For context, I went to Lennar who pulled my credit but no response…

I have four small payments (mostly medical debt) on my CR…which will get paid before my discharge…

3. My payoff on my car as of today is $15,510.18 on a 2019 Hyundai Tucson

I was thinking of either paying it off or trading it in for a new vehicle with a large down payment. Which should I do? @MarvBear

bought: AAPL, AMZN, SBUX, HP (HELMERICH & PAYNE), and AGI (Alamos Gold).

sold: FICDX

I transferred some dough (the exact amount I've earned from BankAmerideals lately) from checking to savings.

However, the transaction posted to the checking account as a "Transfer;" and on the same date, an equivalent amount was debited from the same checking account, posting as a "Debit."

I called to ask about this, the rep declared his own cluelessness about fourteen times (I came to suspect that this was like, light S&M for him) and then opened a case with their technical folks.

I have a case number and everything.

I am excited to see how this all plays out; and you should be too.  Get the popcorn.

(The amount is like, eleven dollars.)

https://www.reuters.com/markets/deals/binanceus-calls-off-13-bln-deal-voyagers-assets-2023-04-25

Quote

The $9 million settlement between Betterment and the U.S. Securities and Exchange Commission will be shared among roughly 25,000 of the robo-advisor’s clients, with a median payout of about $100.

the tide went out...

FOR 20% OFF PICKUP ORDERS: Offer available online for store pickup orders only. Expires April 22, 2023 at 11:59 PM ET. To receive the 20% off discount, enter coupon code PICKUP20 at checkout. The 20% discount cannot be combined with an additional “% off your total purchase” offer. The discount also excludes prescriptions and gift cards and is not valid on orders placed on CVS.com/Photo or CVS Optical®. The discount also excludes Voltaren brand products and all at-home COVID-19 tests. Savings are not transferable. No cash back. Tax charged on pre-coupon price where required. Tax and shipping charges are not applicable towards your order total. CVS Pharmacy® reserves the right to make changes to or terminate this offer at any time.

From my laptop I logged on to the CVS website and found the same fine print; but also when I looked at a particular product and saw another plug for  "20% off your pickup order - click for details" the Details read:

Offer available online only. Expires April 22, 2023 at 11:59 PM ET. To receive the 20% discount enter Coupon Code PICKUP20 at checkout. Purchase threshold must be met before taxes and shipping charges and after all other discounts. Offer valid for one use per order. The 20% discount cannot be combined with another product sale running at the same time. The 20% discount also excludes prescriptions and gift cards and is not valid on orders placed on CVS.com/Photo or CVS Pharmacy Optical. The 20% discount also excludes Voltaren brand products and all At Home COVID-19 tests. Savings are not transferable. No cash back. Tax charged on pre-coupon price where required. Tax and shipping charges are not applicable towards your order total. CVS Pharmacy reserves the right to make changes to or terminate this offer at any time.

In one case the fleshed-out "Details" says it can't be combined only with a %-off-total-purchase deal but makes no mention of also excluding any items that are on sale generally.

In the other case it says doesn't apply to sale items, but makes no mention of not being combinable with another %-off-your-total-purchase (which I don't care about since I don't have another %-off-your-total deal, but still). 

I have a handful of other complaints about how sloppy CVS conducts its sales and promos (compared to, say Target) but these omissions here at least stoke my curiosity about legalities.  "Not valid on sale items" should've been mentioned in the Facebook promo fine print in order for them to claim enforceability, yes? 

Lysol 2-pack is buy 1 get 1 50% off which would be worth it together with the 20% deal, but according to one (and only one) chunk of fine print, it's not valid.

Sometimes the headache of these CVS calculations aren't worth the dollars saved.  #target4eva

Why (and How) We’re Disinheriting Our Kids

Quote

(I now have Gold status on Delta), and we sat in the very first row. He had never been the first one off the plane before. Now, he thinks that's normal and complains when he doesn't get to sit in first class, much less the first row of first class

WTH? who isn't gold on Delta and nobody wants the first row of first "bulkhead no floor storage" seat.

clearly a 4/1 joke?

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Can brokerages just do this with no excuses, no penalties from the IRS, and the like? It can screw taxpayers.  

The IRS has issued nearly 54 million tax refunds. Here’s the average payment