18
10mon
How do you handle hospital bills that are sent six months plus later then to collections? Do you pay the hospital or deal with collections?
Hospital says payment plans don’t work since it’s gone to collections…
Hospital says payment plans don’t work since it’s gone to collections…
Between rent and school payments, I am paying quite a lot over ACH and am wondering if there’s any way to also get some benefits back from these payments. ... read full post
I'm young and a student and I have most of my savings in a VMFXX money market account which I basically use as a low risk place to set and forget my money. Most of this fund is federal cash and securities. I like that it is there when I need it and that it makes more interest than a savings account. ... read full post
Location: USA ... read full post
Pretty much as the title says.
The wife and I are currently using Simplifi and it works well enough, but I’ve been hearing a decent amount about Monarch Money. Just curious if anyone here has tried both and why they prefer one vs the other. Even if you haven’t tried Simplifi, if you’ve used Monarch, I’d be curious your opinions of it!
I'm a complete newbie. The only "investing" I've ever done is use HYSAs. Obviously the yield there, while pretty good, isn't as good as investing in say, the S&P 500. So I want to invest a chunk of my savings into that and just leave it there until I retire. I'm not really looking into daily/active trading or anything. The problem is I don't know how fees work with brokers. ... read full post
There's a pretty popular savings chart in the personal finance community, and I just noticed it seems to be missing the option for when your employer offers an ESPP (Employee Stock Purchase Plan) unless I'm completely missing it.
Where would you guys put it if you could add it to this chart?
Hi all– ... read full post
For the last decade or so, my SO and I have been more or less dividing our expenses, and Venmo/ PayPal-ing the other as needed (rent, etc).
I know a lot of couples use a shared account that they both contribute to via direct deposit. How many of you do this? Any drawbacks or other options I haven’t mentioned?
For someone in their 30s, does the following allocations make sense? The goal is to have a fair amount of diversity and to more or less “set it and forget it” ... read full post
I found the graph at 10:55 to be especially interesting because it shows how someone with around the median income ($65k) can make it to the lower upper class by retirement through some discipline (10% saved per year). ... read full post
My grandmother bought the home we lived in the 90s for 90k at a 8% interest rate. I found out she refinanced the house several times from what seems like predatory practices and malicious advice and now owes 250k at 6%. Basically the house I thought was paid off now has 30 mortgage and she is 90. Her grandkids are in the will to inherent the house but do we inherent this mortgage?
cross-posted from: https://lemmy.world/post/20168637
Is a TDF a good choice for growing my money, in this case? I plan to use it for a house down payment and withdraw it in 5-7 years. I've been thinking of putting it in a 2030 or 2035 TDF. Should I go this route or just VTSAX and chill?
I've been on an HSA+HDHP for a couple of years now and only realized recently the interest earned from investing HSA money is also tax free, so I want to start investing a part of my savings and see how it goes. I have 2 options, Betterment or Mutual Funds. I figured I'd try the latter to avoid fees, but I'm not sure which funds to choose. My HSA currently provides 30 fund options. ... read full post
I have been putting part of my paycheck into a high yield savings account, but haven't bothered with investing it in a responsible manner partially due a fear of losing the money due to bad investments. I'm finally realizing how much potential money I've lost by letting my money stagnate. Please advise me on how to responsibly invest my money, thanks!
I like the idea of a less profit-driven business that is maybe more community-focused but I wonder if they have the same capability as a bank? Have you been able to do your banking needs at a credit union? Was the customer service decent?
tl;dr - They haven't reported updated information since last year. How do I get them to do so, or how can I otherwise correct the information on my credit report? ... read full post
My employer recently switched to Fidelity and for now I've chosen the LIFEPATH IDX 2050 A option. It looks like this one provides quarterly dividends, but the yield is 0.0%(?)
I'm looking for some fairly risk adverse options or blends that provide dividends that will be reinvested. Anyone have any recommendations?
