Werewolfdad
Werewolfdad t1_iukbqbc wrote
Reply to What's the best debit card that has cash back, and good/fast customer service for disputes? by JasonColin
You’re looking for something that doesn’t exist. Debit cards are basically loss leaders
Werewolfdad t1_iuka6dm wrote
Reply to If I’m trying to build my HSA into a retirement/old age medical account, how should I best go about this? by alskaksksk
I don’t understand the question. If you want it as a retirement house, you contribute and don’t withdraw until retirement
Werewolfdad t1_iujx6gu wrote
Reply to [Ga] how little does someone need to make to qualify for some kind of tax relief? by Make-Change-Now
If you don’t have kids there is essentially none
Werewolfdad t1_iujlb4v wrote
Reply to comment by bruceismynickname in Should we buy a car (new or used) or put more into my current car than it's worth? by bruceismynickname
That advice doesn’t really make sense. It’s “what does this repair buy me”
Never been a fan of don’t put more into it than it’s worth. Lacks nuance
Werewolfdad t1_iujjsz7 wrote
Reply to Should we buy a car (new or used) or put more into my current car than it's worth? by bruceismynickname
Depends on how much you drive it and if anything else is wrong with it.
$3k for several more years of driving is a decent deal.
Werewolfdad t1_iujefkz wrote
Reply to comment by Educational_Sir3783 in Two Year T-Note Questions by Educational_Sir3783
Werewolfdad t1_iujdwd8 wrote
Reply to Two Year T-Note Questions by Educational_Sir3783
> Does the interest rate mean a total annual return of 4.375% will apply both years? If so, is this 4.375% of $100 or $99.839071?
No, since the bond sold at a discount the yield to maturity will be slightly higher than the coupon
> Say $10,000 was purchased. This would cost $9,983.39. Excluding the semi-annual payment, at maturity would one receive $10,000 or just the principal ($,9,983.39)
You are paid face value
Werewolfdad t1_iujdlms wrote
Werewolfdad t1_iujcit0 wrote
Reply to comment by Remarkable_Cut3846 in 46% of Income on Housing and Car by Remarkable_Cut3846
Locking yourself into large debt payments backs you into a corner if anything goes wrong in your life or if you need to make some of change due to an unexpected event. I’d advise tying up half your after tax income in debt payments
Werewolfdad t1_iujcacz wrote
Reply to comment by Expired_Water in buying a home and becoming independent by Expired_Water
Unless you can find a house for about $100k, you’ll be quite house poor.
Werewolfdad t1_iujbncd wrote
Reply to comment by Remarkable_Cut3846 in 46% of Income on Housing and Car by Remarkable_Cut3846
That’s a lot of car
Werewolfdad t1_iuj98hx wrote
Reply to 46% of Income on Housing and Car by Remarkable_Cut3846
Depends on how much you're saving. For many people, that would be egregious (especially if it doesn't also include utilities)
Werewolfdad t1_iuisx08 wrote
Reply to comment by Longjumping_Bad9373 in beat checking account by Longjumping_Bad9373
> but i do prefer to have none or very minimal fees.
That’s essentially any of them
What did you adverse action letter say?
Https://www.reddit.com/r/personalfinance/wiki/banks_and_credit_unions
Werewolfdad t1_iuis1ns wrote
Reply to beat checking account by Longjumping_Bad9373
Why can’t you approved for 360?
Essentially any checking account is fine if you have no requirements
Werewolfdad t1_iuipj9f wrote
Reply to no direct deposit??? by [deleted]
If youre asking if banks can reject ach transfers because the names don’t match, the answer is yes (and they’re supposed to)
She can Zelle or Venmo you. Or write you a check. Or go to a branch and deposit cash
Werewolfdad t1_iuif2l3 wrote
Werewolfdad t1_iuievj7 wrote
Werewolfdad t1_iuidbfb wrote
Reply to Will I have to pay capital gains tax? by SprayBubbly2506
If the sale occurs prior to you owning it for 24 months and you don’t qualify for the partial exclusion, yes, it is possible you’ll owe capital gains taxes
Werewolfdad t1_iuiaklz wrote
Depends on which cards. Some issuers have internal restrictions
Werewolfdad t1_iui0qh1 wrote
Reply to comment by inkdivy in Important Question- Checks and Taxes by [deleted]
Ostensibly you should have been reserving money for taxes anyway
Werewolfdad t1_iui0c6t wrote
Reply to Important Question- Checks and Taxes by [deleted]
Doesn’t really matter since you’ll owe them regardless
Werewolfdad t1_iui08cy wrote
> To me it seems wiser to pay less for the premium if I’m gonna hit the max out of pocket either way and open up an HSA. Or am I missing something here??
Nope, that’s a pretty usual analysis. For pregnancy you normally want to compare effective OOPMs so if that’s HDHP, that’s the correct choice.
Werewolfdad t1_iuhxxca wrote
Depends on the lender. You’ll have to ask them.
Some go to 36%. Some go over 50%
Werewolfdad t1_ixx14nl wrote
Reply to I’m tired of the oh don’t do it, I wouldn’t recommend it, the getting declined by credit lenders, especially affirm. by 2LiveNDie4LA
> how do I finance a gaming computer?
You shouldn’t
> I can’t get a gaming computer because they are too expensive.
So it goes.
If you’re getting rejected for basic financing, the universe is sending a message