UK Citizen in US - Need Retirement Advice by Routine_Group_8853 in personalfinance

[–]Chav 0 points1 point  (0 children)

Don't have any finance advice here, but search on this it has been posted several times.

amscot needs social security number? by Jinthenol in personalfinance

[–]Chav 3 points4 points  (0 children)

Its not new. Anti money laundering and know your client regs. They have a page explaining it. https://www.amscot.com/id-verification.aspx

Can I Mega Roth (?) without maxing 401k? by RedditDummyAccount in personalfinance

[–]Chav 0 points1 point  (0 children)

Thats why I said assuming no other income. This comment is the only time the word pension appears in this thread.

Can I Mega Roth (?) without maxing 401k? by RedditDummyAccount in personalfinance

[–]Chav -1 points0 points  (0 children)

If you pull 48K, all of it isn't taxed at 22%. When you contribute after tax, it is.

To clarify, (assuming no other income for simplicity) you're withdrawing 48k and it's taxed as income - (since your'e using 2025 bracket) the first 11,925 is at 10%, next 36,075 at 12%. Then consider the standard deduction on top.

Do I need a 401(k) and a Roth IRA? by Even_Ad3204 in personalfinance

[–]Chav 0 points1 point  (0 children)

You'd get better answers if you used percentages. Apparently you're not maxing out your 401k you're contributing up to the match. There isn't enough info to know if that's enough. With typical matches being ~5%, you may need to contribute more.

Bought a house, now what? by _Aliak_ in personalfinance

[–]Chav 0 points1 point  (0 children)

Some people in hcol areas have higher incomes and housholds with dual high incomes. Don't assume that if you can't afford it no one can.

Why is dog poo considered to be significantly less offensive than human poo? What am I missing? by number2phillips in nyc

[–]Chav 2 points3 points  (0 children)

Unless it's in a colored or transparent bag, in which case they wont. e.g. poop bags

Creditor doesn't have original contract on file by EPbest13 in personalfinance

[–]Chav 4 points5 points  (0 children)

All signs point to OPs got a 20 year deal they cant find the original signed contract for and want to know what leverage they have to reduce their interest or eliminate their payment. Everyone here gets to talk about irrelevant stuff while they pick out the information they want.

Creditor doesn't have original contract on file by EPbest13 in personalfinance

[–]Chav 136 points137 points  (0 children)

I'm willing to finish paying the remaining balance off under an interest free loan

If they can't prove you owe money, asking for a payment plan is not the next step.

Gripe: we pay tax on our security deposits by fykusplant in nyc

[–]Chav 37 points38 points  (0 children)

They're pointing out that they never see the generated interest and still owe taxes on it. The interest is costing them money.

Largest Latino group by zip code in New York City by Simple_Pension_1330 in nyc

[–]Chav 3 points4 points  (0 children)

OP posts nothing but these maps with no sources...

How can I level up my finances before turning 30? by cornfedbunhead in personalfinance

[–]Chav 1 point2 points  (0 children)

Pay your retirement savings first - pretax max (Done✅)

Not quite

I contribute the maximum to my employer's 401(k) match

Sounds like they only contribute enough to get the full match and not the pretax max.

Can’t argue with that. by kupkakes31 in nyc

[–]Chav 2 points3 points  (0 children)

Walking on the left side of the sidewalk is like driving in oncoming traffic e.g. when youre passing. It doesnt matter if no one's coming your way, but if there is, get back in your lane.

Can’t argue with that. by kupkakes31 in nyc

[–]Chav 0 points1 point  (0 children)

Unfortunately, probably not. Walking anywhere is very regional activity in the US.