What is the car worth? How much do you owe on it?

[removed]

>Appraisal: 389,000

The car was 20k. I got it down to 16k. But I had to drop insurance so they put their own insurance which brought it back up to $19k. I understand I will still owe a few thousand.

What’s the old house worth?

You mentioned in one comment that you've lived with your parents for 7 years. I hear all the things you're saying....but it's still alarming that you're carrying a credit card balance after that many years living at home. It's also alarming that you're choosing to carry that high interest debt for no other reason than to have cash on hand. And I strongly disagree with the notion that you made a mistake by trying to pay that debt down before and you "missed out" on favorable buying conditions by paying it down. Sure...you could have spent less on the monthly mortgage payment....and that's immediately offset by having tons of high interest revolving debt on the books.

Beyond that, you really didn't break down any real budget. You mentioned $90 car insurance. You mentioned some other items, but assigned no numbers to any of it. You didn't give any number for gas. I realize you work from home and expect gas to be lower, but surely you drive a bit? You didn't mention how much your cell bill was. You didn't estimate anything for food or utilities if you buy this house. You mention "a few" streaming services. How many? How much? Do your numbers include retirement savings already? You mentioned in another comment that you have $15k saved now, and might be able to save another $5k by the time you'd close on the house. How much of this are you planning on putting down on the home? Surely not all of it, right? It wouldn't be wise to totally burn your entire savings/emergency fund in the purchase up front. And the flip side is....if you're only putting down $10k, your monthly payment is very unlikely be under $2300-2400/month. And just how much will you need to buy to furnish the place?

Saying all that....that doesn't mean you can't afford the house. There just isn't enough info given to say for sure. It feels like you're just very desperate to get out of your parents' place, that you're jumping on the first deal you see. It doesn't sound like you've really drilled down and listed out all the specifics to check your potential budget if you make this purchase. If I pull up a spreadsheet and plug in estimates for the things I believe you'd have to pay for, it feels like the budget is pretty compressed. I can balance it, but there isn't a ton left over after plugging things in. So it'd appear you can make it from a monthly cashflow standpoint, but you'd be equally screwed the minute you have to pay for anything unexpected. Because there isn't a lot there to build/rebuild savings aside from paying the monthly expenses. But that's just guessing, and without seeing your actual numbers and expenses.

It's been years. No one is tracking anything with the exception of your husband's family

[removed]

What did the pods contract say about delivery date change, fees, etc.?

Alright, this was an urgent buy as my car was totaled in another state and I had to go to work after getting back. So even with my 750+ credit score, the interest rate is still not what I wanted. So, I figured I’d just pay it off now and it’ll save me $10k in interest.

[deleted]

we went to estate attorney (Colorado) and it was a flat $1500 I believe. We have "a lot of assets" for our age so that may have made it more expensive as it wasn't completely boiler plate.

This was for living will, trust, power of attorneys (financial and medical), guardianship (should we both kick the bucket) etc.

[removed]

No there are not. Getting a 'payday loan', because that's what that is, is making a whole new problem.

Does anyone here have direct experience using a 0% APR card for balance transfers? I am looking at the Discover It Balance credit card.

Here is my situation and thought process: I have a higher than normal credit card balance. I have plenty of cash on hand, more than ten times this balance. But I am thinking of just transferring the balance over at zero % for 18 months and then paying it off in full. I’d continue then paying off the cards I normally do in full each month, and planning to wipe out the transferred balance with a lump payment from A savings account before the interest begins to start (appx 15-17 months from transfer).

Does this make sense to do? Am I missing anything or failing to consider anything?

But I am unsure on the following:

1. How will my existing credit card issuers going to view this, or do they care at all?
2. How does the transfer work? Is it as simple as giving the info where the balances reside to the new creditor?
3. How would this impact my credit score? I am assuming a ding for a hard pull, but potentially increasing my overall credit limit and having a Marginal impact?
4. Am I missing any considerations that would possibly dissuade me from pursuing this course?

Thank you.

>I would recommend buying Vanguard US small cap growth ETF (VBK)

Small cap growth is often called a "black hole of investing" (https://www.etf.com/sections/index-investor-corner/20092-the-black-hole-of-investing.html as the first link I found)

Small value is the "golden one" for cap weight + growth vs value.

Whoever you name as executor of your will (lots of people use attorneys or banks for this) will collect and liquidate your assets.

Already have an EIN fortunately. Unfortunately don’t have anyone else I can ask. No one I know does any small business stuff and the other folks I know who hired a nanny did so through an agency. Hopefully will be easier next year once this is theoretically set up.

Our FA suggested Pacific Life, and it came out to like $50/mo 20yr term for $1mil payout (not taxable) for me, my wife was slightly higher. Your rate is also based on your health, so if you'd sign up earlier, you could be preferred rate, obese or worse and it affects your rate.

You could probably shop around for that. As far as specific clauses i'm not too sure, have only just started looking more into it to protect each other, and also be secure for our child's future.

Basically we're been very fortunate (and lucky) in that we have been able to save very aggressively before talking with an FA and he said we're pretty set, BUT people who are pretty secure he "throws grenades" at our plan to see how protected we are. IE one of us dies, permanent disability can't work as the extremes, and that opened our eyes about if everything's gravy we have nothing to worry about, but still some things could completely derail our plans.

Also don't go to just any FA, make sure they're a fiduciary financial advisor so they have a legal obligation to act in best interest of their clients

[removed]

Sounds about right. Not sure if your impression was that US taxes were extremely low, but that's mostly a myth.

In your experience, how expensive/involved is the process to establish a trust? Can I continually contribute to the trust?

I have done some research on trusts, but nobody in my family has any experience with such things. Thank you for your post!

Should that say deceased?

Short term your credit score will fluctuate a bit (opened a loan and paid it off in 1-2 months, hard inquiry) but after a couple months it will relax after a couple months. Other than that it doesnt really make a difference one way or another

It honestly sounds like you mistakenly opened a dispute instead of an actual fraud investigation. Which is a common mistake