Thanks!

Thank you, I'll check it out

Thanks for the info, I'll do more research.

I stand corrected. I was unaware of that which means I have been losing out of cash back/points. Thank you.

Can you get enough out of the 350Z to pay off the loan?

At least with a new loan you could get a better interest rate. And also look for something inexpensive. You don't need a truck. You need practical wheels to get from point A to point B. Look for a small 4 door car.

If you're sure you don't live in a flood plain fine, but they will buy it for you if you are. If you're not sure and think it may be possible I'd double check.

My previous HSA allowed claims reimbursement, my current one does not. The card has to be used

Yeah, so there will be a bit of a short-term hit to the FICO for closing the older card. It's how th FICO math works. If neither card have fees, and to answer your first question -- yep, you'll see an effect. If you don't need to close the account (no fees, right?), can you just park the card you thought about closing in a firesafe, and only use it for a tank of gas every four months or so? This keeps the card 'active' so the bank doesn't unilaterally close the acct for non-use. Yes, that's a thing.

Sorry -- I'd usually tell you to kill every account you don't need. But in this case, you'll have a hit that will last a few months to a year or more on the FICO.

Oh, and while we are on the topic, at least once a year pull your credit report and review it:

Use www.annualcreditreport.com to review all credit accounts, freeze all credit reports with Equifax, Experian, Transunion (use their free services)

Search for how FICOs are calculated -- there are 5 components to it, with account longevity being a fraction. On-time payments are the way to really build a great score as the years go by. Never carry a balance on non-mortgage accounts -- debt interest slavery is bad for your wealth.

This, I did this for a few years before they offered a HSA card directly.

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>If he left no will, I'd like to take whatever he had in his estate and donate it to the organization he volunteered at.

condolences on you brother but that's not how it works. even if there is a will, debts get paid before inheritances. without a will, debts are paid first then assets are distributed among relatives as the law dictates. you could donate your share of an inheritance to an organization, but you'd have zero authority to do so with all the remaining assets .

Convenience i guess. One stop shop. Usually is never the best rate or service

Sell 350z and pay off mustang debt, use public transport until you're done with payments. If you absolutely need a car, sell the 350z for a same year Civic or Corolla.

To clarify, does that 401 contribution take into account any employer match?

Some off campus college housing is arranged so that each tenant is responsible for their own rent. Even though the kitchen and living room is shared in one unit, the rent is for each individual bedroom. If one roommate doesn’t pay, they are evicted but not the other roommate(s).

If you are not in that kind of rental, then you are responsible by 100% of the rent every month. If the rent isn’t completely paid then you can be evicted, too. Sometimes (rarely) when a landlord sees that you’re the responsible one, they’ll give you a little leeway … but not much. For instance, they’ll suggest you move before they have to include you on the eviction.

That’s what I suggest you do.

They could care less if a checking customer left

Fair.

To be clear, I dont think my old bank is missingmy money lol. I understand that most banks dont make money off of people whonare just using checking accounts etc....but for many people thats pretty much the only way they interact with a bank.

Im just saying it doesnt make sense to me why anyone would go out of their way to take out a loan or open a checking or savings account with a regular bank.

Its making me think if i should open an account at my local credit union. 🤭

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You've probably spent some time reading the wiki on credit scores and such. And more than a few posts on how others have had the same experience. It'll pass and be fine in a few months.

Use www.annualcreditreport.com to review all credit accounts, and after you get the card, freeze all credit reports with Equifax, Experian, Transunion (use their free services) to prevent identity theft. You and your family members.

One low cost index fund is diversified - and yes there isn’t much financial reason to do anything otherwise.

I have 20-25% also in an international index, but it’s more for psychological reasons than anything. If international outperforms for a period of time, I at least feel like I’m “in the game”.

Don't look a gift horse in the mouth.

Job doesn't factor. A years worth of mortgage payments will be wasted on rent.

you got sneakers, right? get to walkin'

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Ask for a larger loan and you have the freedom to do what works best for you

You ask for $10k loan and oops the tax is $125 more and you're going back to re-do all this paperwork all for a $125 difference.

$15k sale price + 7% tax + $500 dealer fee + $750 tag fee = 17,300 out the door more or less.

minus $5k down payment = $12,300 loan. So in this case just go and ask for minimum $14k so you have the wiggle room.