Personally, I'd hang onto it in something safe enough for a timeline of a year or two (so HYSA or maybe I-bonds). The student loan forgiveness has gotten a few setbacks, and things are dragging out. There's even a chance that it might get killed altogether. My crystal ball is on the fritz, so I couldn't say how high that chance is, but that possibility is worth keeping in mind. Keeping this earmarked to get put back towards your loan could be your safest bet.

>So, How do I get a bank account without a utility bill?

Change your address on your drivers license to where you're living. AFAIK, most states have an online form that will send you a temporary ID card

To add, I recently left a job for slightly LESS money. I hated my boss, the work was a struggle and my coworkers were very conservative in their work (I like to use modern strategies). I love my new job — leadership, team and work. And they like me.

Money is important, but just one of the factors. Be where you’re happy. For OP, either pay is fine…they’re close. So don’t decide on money.

No thanks

>if a company is making a counter offer, it's because they value the employee & don't want to see them go.

Or it's because they can't afford to lose someone in the short term. The cost of replacement in my industry for an associate is $25k and the market is bad for employers right now.

Please look at some of the suggestions people have on here! Don’t give up! They are, they are complete nightmare to work with. I understand everything you said, as it’s been pretty much my experience as well. I’m so sorry you’re going through it. Sounds like they do this to a lot of people!

And its even better if the stock goes up significantly. The 15% is the floor, not the ceiling, and thats about the best deal you'll ever find anywhere.

Okay, you should go ahead and write the authors and let them know to correct their article.

https://www.nerdwallet.com/article/mortgages/how-to-cancel-private-mortgage-insurance

Thank you.

When I look at my online portal for these accounts, there are three categories in the details for each account: Accumulation Value, Surrender Value, and Surrender Charge. I don't see anything for "taxes and penalties."

I appreciate you including all of this detail!

Thank you! I didn’t know you could do this.

I told them that they will take my money quickly, but trying to get it back when the insurance claim is completed is like pulling teeth. Don't back down, they will probably give up.

somebody always pipes in with this & it makes me wonder what toxic ass places some of you work

if a company is making a counter offer, it's because they value the employee & don't want to see them go.

who has the time, energy & pettiness to make a counter & pay someone more just to torment them? it makes absolutely no sense.

I've been a manager for several years. when a software engineer I value puts in notice, I go in to hyperdrive trying to get a raise, bonus, promotion, whatever approved by my CEO to retain them.

I promise it has nothing to do w/ tormenting them, it's about keeping a good team together.

I live in a low cost insurance area and my company dropped some discounts and there was a general inflation increase. They stated none of this was directly related to my vehicles or history.

Thank you for reminding me that I also requested to get my payments refunded. Hit my bank account yesterday!

Not unaffordable, people just budget completely differently here.

You aren;t getting 16k out if you cash out. I think you are only considering the penalty and NOT the taxes you would owe. If you pull out 6.5k from a trad IRA you owe income tax on ALL of that. I dont know how much that is going to be as I dont know your tax bracket but it is going to be more than you are thinking. If you pull out of the Roth you dont get the tax shelter so you would owe capital gains on any gains in there as well.

Well… yeah because that 401k balance essentially becomes a bank that you own. So any interest that you owe, is paid back to yourself. It’s pretty good

Visiting for more than a month & may be staying indefinitely, if he has a lease or permanent address elsewhere established they may have a leg to stand on but otherwise, owner of vehicle on the hook for damages.

We are a a progressive tax system. It is always worth it to make more. People need to stop making this statement because it’s essentially an old wives tales. And it’s not so much about you but just I see this comment far to often.

As to the money yes ESPP programs are always free money and you should always max it out if you can afford no access to that income for the 6 month period. I just autosell it. Only time in your life besides, 401k match, that people will hand you free money.

I also have a billing nightmare with Quest.

I have used them in the past for labs with no problems. I received a statement for $261.45 for routine tests ordered by my doctor and performed on May 18 of this year. Typically my insurance covers 100% of these tests.

My insurance company provide me with an Explanation of Benefits that showed the 3 tests (and billing codes) and the amounts they paid; no out of pocket due according to them. When I sent this to Quest, they said the billing codes don’t match. After months of back and forth, promises to investigate and get back to me (which only resulted in repeated additional statements being mailed to me), and repeated requests for the same information I already provided (yes, every email exchange was a different representative that seemed to be starting at square one each time), I finally contacted the insurance company who said that Quest must have submitted the wrong billing codes (which, again had been paid) and that they should revise them and resubmit them.

I informed Quest about this but they kept insisting I have the insurance company contact them. I passed this on to the insurance company but as far as they were concerned the claim had been filed and paid. I also doubt this will work as contacting either part (to initiate a three-way call) takes up to and sometime over an hour to get out of the queue.

Whenever I asked Quest to explain where the funds that the insurance company HAD paid them went (and why not credited to my account) they could not explain other than to say the codes don’t match (the codes THEY filed with the insurance company) and I still owed the amount.

This has been a never ending horror cycle with no end in sight. I plan on switching insurance companies next year due to costs, and I’m sure once that happens a whole new complexity will be introduced.

I considered contacting a lawyer but I assume they will charge more than the $261.45 that Quest is trying to get from me.

I am just continuing to push back and insist they contact the insurance company, reverse the old codes (and I guess send that money back) and then resubmit with the codes they claim are correct; or credit me with the funds they already received (where did those funds go?) and quit harassing me.

I will never use Quest again and have informed my doctor about this. They have an in-house Quest presence and those reps are great. Their billing and customer service are the worst.

In this particular case I would still go for the salaried position. Not having to clock in and clock out alone is worth it.

I’m confused what’s hard to buy about there being legitimate supply chain and price increases on parts and labor?

with these rules applied you should have 42% of your take home for discretionary spending correct? that should be enough if you want to be saving 25% and putting 25% in housing. you either need to earn more or spend less not sure which one you gotta figure that out.

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Situations like this makes following something like Dave Ramsey's Baby Steps nice because you wouldn't even have to think about it: you obviously pay off the loans before you take on a mortgage (although they also have kind of a weird hang-up with moving back in with family sometimes).

The PRIME DIRECTIVE is not always so clear on the best path forward when it comes to student loans that are somewhere in between low and high interest.

One piece of advice I'd feel confident in giving is, if those student loans are federal loans on pause, then it makes sense to just stack up that cash and push the decision down the road. That way you have options later on if you have trouble with your living situation or work situation. You can't undo payments if it turns out you need that money for something else.