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• US Treasury Savings Bonds
• "How to handle $"

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No sir I already have a speciality shop that works on my car so I didn’t opt in for anything or that they did give me a warranty that lasted 30 days at no cost to me

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As a irl example, on 09.24.22, I mailed 3 checks due to no card processing available at the payees. 2 had postage stamps and one was postage paid and they went into 2 different slots at the Post Office. The 2 with postage were never cashed nor did they reach the payees. On 11.2.22 a web payment appears on my checking account for an apartment in Houston TX and another smaller payment on 11.4.22 for a deposit of some sort. The checks were stolen by a postal employee and are usually “washed” and in this case the routing number and account number were used as web payments. Probably just sold between fellow criminals. The withdrawals were reversed and I was reimbursed the funds. It is quite a large criminal activity but becoming less so due to checks being used less often.

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This is great to know; thank you! I came across something called TillerMoney on the sub, and it looks like combining that program's ability to pull in transactions + its flexibility/integrations with Google Sheets is probably my answer to find something "perfect" for me. I can make/modify a spreadsheet where my CC and bank transactions will hit my budget categories, but my cash flow for checking will take into account the CC bill itself. Just don't want to recreate the wheel if I don't have to, ya know?

This isn't new. This has been going on for decades.

Thieves steal mail and then use special solvents to erase the "pay to" and "amount" fields, then cash them.

Yes, if you target it 100% to principle. It's a damn fine move if you can do it without making other sacrifices.

Taxes and fees probably ate close to $3,000 of that. Did you buy an extended warranty or protection plan? That would eat up the rest of it.

Having a dependent would require her claiming the dependent. If you already claimed the same dependent in question, she cannot claim her again.

We use Merrill for our brokerage so I'll have him check. We use Ally for our CDs. I remember back in the day when I worked at a bank you could get 8% for CDs. I worked in the IRA department and had to pull paper files sometimes and there were customers who had at one point had CDs at like 13%.

Thanks for the info. Looks like I won't be able to claim anything. Makes filling this years taxes easier shrug

I claimed my daughter for this year but my gf will not be claiming. However, turbo tax says that she qualifies for HoH due to her being unmarried with a dependent.

Pay off those cards. And don't use them at all unless you are paying them off every month.

Don't use credit cards for emergency purposes, work to build an emergency savings account.

I think it's fine but give yourself a time limit on buying. If you have plenty of cash then give yourself more time.

Thank you for letting me know I’ll take this information and definitely use it in future financial decisions I appreciate it and thank you for replying

No, only one of you can claim the child, therefore only one of you can be head of household.

I don’t believe the eggs in one basket theory when it comes to this. I have savings and checking at one bank and have for several decades. Sure fraud can happen but not concerned about it. My debit card is not something I ever use for purchase. I’m not one of those dumbasses that gives companies access to my accounts to automatically withdrawal money for bills either

My password online gets changed annually or whenever a data breach could cause an issue and its 30 plus random characters and the password is only used for that account. Nobody has my PIN numbers or passwords or online over the phone bank password. My money is insured by government as well.

It also isn’t a joint account

But do whatever you think you need to do to sleep at night

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Nope. See 26 U.S. Code § 6159 and IRM 5.1.19.3.5(6) https://www.irs.gov/irm/part5/irm_05-001-019#idm139995971385904

"The CSED is not suspended while an installment agreement is in effect."

Also IRM 5.14.2.2

https://www.irs.gov/irm/part5/irm_05-014-002r#idm139895071258224
"All taxpayers are expected to immediately full pay delinquent tax liabilities. When this is not possible, taxpayers may be allowed to pay their liabilities over a prescribed period of time. If full payment cannot be achieved by the Collection Statute Expiration Date (CSED), and taxpayers have some ability to pay, the Service can enter into Partial Payment Installment Agreements (PPIAs). The American Jobs Creation Act of 2004 amended IRC 6159 to provide this authority."

How were the taxes and fees paid?

I’m not gonna lie to you I just turned 21 I don’t know much about finances and just recently took an interest in it cuz I’m welding now and I wanna secure my future and lost my paperwork when I was moving out my mom can’t find it either

Never get rid of the paperwork when buying a car. They don’t have to provide you copies after the fact so you are at their mercy to actually provide it.