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> The pension provider says it a bad idea to do it at 55 even when they offer me the option to do it? I’m not sure if I trust them tbh.

It’s a bad idea if you don’t need the money today because that is $30,000 that will no longer be in the account gaining value. It’s not necessarily a bad idea if you actually need the money for a specific purpose and there are no penalties for withdrawing it.

Considering you want to withdraw 25% and not a specific dollar amount makes it seem like you don’t need it for a specific purpose, so bad idea.

I’m getting 3.30% from Capital One. It ticked up, 30 basis points, since I opened it in November.

If it is still in your account and has not been transferred to yours, I believe you can change the recipient. I think you can also still add a beneficiary.

Why not pay via a regular check from your bank account mailed as bill pay?

Interchange rates are set by the banks and card issuers. Apple takes a 0.15% cut of Apple Pay transactions, they are not any cheaper to run.

>Those who aren’t making the “cost of business” more expensive since they’re paying by cash/check get to also pay a smaller amount.

Except that the entity receiving payment has higher costs in processing and accounting for cash/check payments that they do on funds received electronically.

I'd talk to your 'Hedge fund friend'. Sounds like they have a pretty good idea of what's going on...

People don't do the math and then complain when they are suckered.

It is human nature to assume all other aspects of price comparisons are equal, but this world is full of "gotchas ".

My business baker is good , but the management of Wells Fargo does not seem to get the message that they need to play by the rules. Screwing your customers does not pay

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Appreciate it.

I stop watching youtubers as soon as they start using clickbait titles. Because i know their content is about to take a nose dove.

Thank you. Not much equity in the car, but as I said to someone else, she needs it for work and can’t afford to even purchase a cheaper one once sold and note paid off. She has eliminated all frivolous spending and is working more overtime now so things are looking better in that regard.

As far as child support, I couldn’t agree more. I’ll be pushing that issue a little further when we discuss it next.

And then the property management company doubles my rent to the point that I have to move out because there are zero laws against it here. So now I'm stuck looking for another rental in my kids school district but now every time a rental company does a background check for a history of evictions they see I had a civil suit against my previous landlord so I can't find a new place to live in the 30 days I have to move.

No thanks. Not worth the $600 I'd get back from the bullshit fees.

I do a lot of UI design, and every now and then there’s a need for a very similar approach: the Big Fucking Button. 90% of your users not noticing the little “start here” link after setup? Sounds like you need a big fucking button!

All the top posts are about how good you current situation is. That’s great and all, but let’s say you do decide to go find a new job, how likely are you even to find one? In the current climate companies are doing layoffs and under hiring freezes. That means less jobs available and higher demand for such jobs. This doesn’t mean you should try, but certainly expect some headwinds.

You may have to file a return of execess, give it a google

The really funny thing is that it costs them a LOT more in labor to process a physical check that it would an electronic payment.

They always have done this. A smart business would just build it into the price so you don't notice.

Most states require a fee-free payment option to be available by law, and you absolutely can mail a check to their business address to pay your rent. Send it via registered mail and retain the receipt, the company cannot claim that rent was unpaid or they didn’t receive it because you then have proof of payment that is valid in all 50 states.

That's helpful feedback thank you! I'll give them a call and find out what the lowest cost/smallest mail box runs for.

UPS quoted me $20/mo curious to see how they compare.

Yeah definitely an option. However, some banks still charge a fee for this kind of service so it doesn't necessarily save money. Also, they it usually do not account for due dates and if the mail doesn't run on certain days, then arrives late, you can still be penalized by the recipient with late fees. So if you do auto-pay by mail, definitely schedule it to send 4-5 days early.

I'd walk to the office with cash.

I would stop making all payments other than the mortgage. Free up cash from the cards to resume mortgage payments. Your cards will eventually have to be paid off or settled but it will buy you some time and keep you in your home. After a few months your creditors would be willing to take a lot less than what you owe to discharge the debt. Your credit would be damaged but it's better than bankruptcy and possibly losing your home.