Different states handle it differently. If I remember correctly it's called "Sovereign Immunity". My car was parked when hit by a city owned vehicle and all they had to pay was my deductible. My insurance paid for the repairs, but it wasn't counted as an at-fault accident and my premiums did not go up.

Sounds like a lot of stuff going on there. Sounds like some of your options involve spending more money. I'm not sure it would be a good fit but trade unions are a great option, with elevator and electrical being among the best pay. You can go in dumb as a box of rocks (not that you are), and start earning a decent wage from day 1. It will give you all benefits including some kind of retirement and your training will cost you nothing. At some point it could even, at some point, open doors for you to use your education. While you will start at the bottom, pay increases are decent and steady, required by contract. It was the best decision I ever made.

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Most people use the 4% rule. If you aren’t familiar with it then read up on it. Essentially it’s withdrawing 4% per year should last at least 30 years.

?

Your W-2 is blank because your employer got something wrong.

I don't know how to undeclare exempt. Did you try a google search?

I do suggest walking into an IRS Taxpayers Assistance Center...if there's one convenient. 25 years ago there was one a quarter mile from where I worked. I don't work there anymore, and the IRS vacated that building.

Depending when you started buying shares, it's just a function of the market and where things are over the last 15 months.

"I value my health, therefore refuse to do cardio." -you, basically.

You can certainly find a more fulfilling job for the next year—that’d likely be best for your resume. But also consider that if your bosses don’t care to write people up… you simply don’t have to work that hard. This truly was not a concept I understood when I started working. But the bosses are proving that people work there while doing little actual work. It’s not the end of the world if you dial back your own work and stay there

Keep saving until you have enough to live out the rest of your life in the manner to which you are accustomed.

What do you mean “by encouraging them to break their contractual relationship with their insurance company?” The presumed at-fault party’s insurance company is encouraging OP to utilize that contractual relationship with OP’s insurer…..albeit as a way for at-fault insurer to gain some advantage themselves and save money or hassle.

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Fair point

I agree, definitely not.

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Think about this for a minute.

Investing vs. Gambling.

I only invest. And I even call some of my investing "gambling".

Options are buying a bet on where a stock will be trading on a certain day. That's gambling.

crypto is just another form of currency trading. And you're trading currency that's not backed by any government. That's also gambling.

In general, real estate always goes up. There are exceptions. Slums in particular.

In general, the stock market always goes up. Again, there are exceptions. Look at GE. It's been beaten up and is being broken apart.

So I invest in mutual funds. Inside a mutual fund, GE stinks just as bad as outside, but its effect is tempered by the 99 other stocks the mutual fund has bought.

I have a brokerage account where I hold maybe 50 stocks. Some of them I bought. Some I was given. Some are decendents of what I bought. I bought GE, and out spun GE Healthcare and Wabtec. I was given AT&T, and out spun Warner Brothers Discover and Lucent and a few others. Stock are fun and interesting, but certainly NOT for serious wealth building.

I also bought BP 3 months before the Deepwater Horizon Disaster. It's never recovered.

The at fault driver’s insurance company should pay for the repairs.

If you make a claim against your policy it will raise your premium.

apparently I did, she said a notice was sent to my correct address but for some reason can't send it again. It also would have been sent about a year ago.

I do save my paperwork for that stuff, I'll dig through but I don't see it anywhere. I don't know why they can't just give me the same information over the phone. I also suspect that it will just have the same general error information that I got when I checked on the website.

If it had unsafe tires it might have been on the dealership to put on safe ones before selling. But you'll need help from a lawyer (injury or automotive maybe?). I doubt Florida has any such consumer protections.

The problem isn’t the risk (100% loss) but the average. On average, day traders lose money. 80-90% of them do. Of those who come out ahead, for all the effort the majority still don’t keep even with boring S&P 500 investing. You would be spending time and effort and taking on risk in order to, in most cases, lose, and in better cases still lose compared to just not.

Ugh.

TIL. I've never heard parking lot style parking called "stall parking" before (or anything for that matter), but that makes perfect sense!

He’s not a financial planner. He’s a life insurance salesman.

This is ridiculous. Why are you in so much debt? Get your spending down!!!

No kids means no one to fall back on for living or care if you get health issues as you get older, which means you may need more money.

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