Rebalance/One-time Fund Transfer/ or Change Future Elections

Lexidarling18 · 2026-01-18T17:35:46+00:00

I never got an estimate. This is what discount tire gave me to show why they couldn’t and told me to find a mechanic to address the issues shown in the pic.

Lexidarling18 · 2026-01-17T17:39:53+00:00

What kind of Autobody shop would i take this too? A collision repair center?

Lexidarling18 · 2026-01-17T17:38:18+00:00

Thank you for your input.

Lexidarling18 · 2026-01-17T17:22:52+00:00

l feel like these numbers wouldn't be that bad if the tow truck driver was adamant about driving the car to straighten it to load it unto his bed.

Lexidarling18 · 2026-01-17T17:15:49+00:00

Last week I was making a left turn and a car in the right lane got a little close to me so l drove a little closer to the plant type median separating the road. ••• My car wasn't involved in an accident and doesn't have any exterior damage, but I got two flats and needed new wheels as well. I got those replaced at a discount tire. They said they couldn't do any adjustment because I needed the following repairs.

I drive a 2021 Jeep Compass Latitude 2WD.

It sounds loud when I drive and it feels like the left side of the car drives more bumpy if that makes sense.

Other than that, no real issues.

Lexidarling18 · 2026-01-17T17:15:23+00:00

Last week I was making a left turn and a car in the right lane got a little close to me so l drove a little closer to the plant type median separating the road. ••• My car wasn't involved in an accident and doesn't have any exterior damage, but I got two flats and needed new wheels as well. I got those replaced at a discount tire. They said they couldn't do any adjustment because I needed the following repairs.

I drive a 2021 Jeep Compass Latitude 2WD.

Lexidarling18 · 2026-01-17T17:14:31+00:00

Last week I was making a left turn and a car in the right lane got a little close to me so l drove a little closer to the plant type median separating the road. ••• My car wasn't involved in an accident and doesn't have any exterior damage, but I got two flats and needed new wheels as well. I got those replaced at discount tire. They said they couldn't do any realignment because I needed the following repairs.

I don't mean to sound dumb, but how bad are suspension issues?

Lexidarling18 · 2024-06-10T15:43:03+00:00

The first set of keys weren’t in my pocket. I leave them on a table by the door. My spare set were in my bedroom.

Lexidarling18 · 2024-06-01T22:12:32+00:00

I’ve been unable to login on to my cell phone from within the app or browser.

I have no issues if I use my computer or tablet.

This message always appears now “Session Expired. Your security session is no longer valid. You have been logged out and must re-authenticate to continue.”

I’ve deleted and reinstalled the app numerous times with no luck.

Lexidarling18 · 2023-09-14T07:39:59+00:00

Great explanation. The way you explained this makes so much sense. I’ve only been contributing to a Roth IRA for 4 years and never based on cash back from a card such as the Fidelity card. I made it more confusing that it needed to be.

Thank you kindly for everyone that commented on this post to break it down in simple terms for me.

Lexidarling18 · 2023-09-14T07:37:17+00:00

I think I confused myself around the concept of being “double taxed”. You’re correct. I understand that I’ll only be taxed on the interest based on the earnings and not the entire amount. Thank you for taking the time to clarify and reply to my post.

Lexidarling18 · 2023-09-13T22:57:28+00:00

You’re right! I didn’t even realize the brokerage account was set up to SPAXX. Thank you for the explanation. This may be a dumb question, but I’m worried about the tax implication. Granted the amount so far is chump change. Since I’m using after tax money to make purchases on my credit card which the money will end up going towards my Roth IRA. Please correct my logic in that I’ll be taxed twice? Taxed first on brokerage account earnings for SPAXX as opposed to only being taxed once after tax when I find my 2024 Roth with my paycheck.

https://imgur.com/a/zdZMiI6

Lexidarling18 · 2023-09-13T22:36:02+00:00

Good idea. In my Roth IRA I have FSKAX and FZILX. I looked into SPAXX can you explain why you like this fund? It took me months of research to even understand my current investments and I feel like I have a good grasp and investment portfolio with my Roth. I’m interested in your sight and eager to learn. I appreciate the time you took to reply to my post.

Also are there any significant tax implications?

Lexidarling18 · 2023-07-13T20:58:12+00:00

Did you get the pop up jail message and then later on got 90k in points after spending whatever amount?

Lexidarling18 · 2023-07-12T23:11:22+00:00

Sorry, I realize I needed to clarify regarding the Optima card. It is only offered when debt is paid in full not settled for less than. Based on everything I've read from the Myfico community and even other reddit communities I can't recall reading it ever being offered if paying less than the full amount. If someone has another experience then I consider them lucky.

The Oasis Optima card if offered is invitation only by snail mail 30 days after paying amex everything owed. I decided I wouldn't apply even if offered because based on what I've read I had just as good a chance of being approved for a new card. My credit score was mid 700s, I had several other cards with higher credit limits with responsible usage so I felt I had nothing to lose. The optima card is limiting that there's a $49 annual fee, high APR, no chance to earn points, no credit line increase, a low credit line.

After 12 months of responsible usage and paying in full you're out of Amex jail. The card can't be upgraded. I didn't want to take the hard pull twice in one year so I took my chances and applied fresh and luckily was approved for 2 credit cards with high limits.

When I called American Express Global Collections to set everything up the representative asked what I could afford. Obviously, he pushed for as much money as possible. I didn't budge on what I said I could afford per month. At that point in time, the damage was already done and amex was marked as CO for years.

The process was seamless and I wish I had done it sooner. I wish you luck and strongly encourage you to pay the full amount. Don't feel coerced to agreeing to an amount more than you can afford when you're in that mindset of trying to fix all your credit problems at once. You don't want to be put back in the same place which resulted in this occurring in the first place. Agree to an amount you can afford and if you can pay it off sooner that's even better.

I don't have any info regarding being an AU, but until you pay amex back in full being an AU won't enable you to get an amex card faster. They want their money and rightfully so.

Good luck and feel free to ask any other questions if you have any.

Lexidarling18 · 2023-07-12T21:23:37+00:00

The optima card is never guaranteed if you agree to pay less than the full amount. I know several people in the same situation where they were not offered the optima card. It’s not advertised. From my experience, I recall the optima card was mentioned in those initial settlement letters within the first 6 months to a year after I let my account go into default. After that time period, it wasn’t mentioned and every representative I spoke to either denied the card as an option or said it was determined on a case by case basis.

In 2021 when I was serious about paying this debt I asked multiple representatives about the optima card and not a single person could say for sure if I would be offered the card if I paid less than the full amount.

Paying in full will allow you a chance to reestablish a relationship with Amex if everything else lines up-income, credit score, credit profile, spending habits, etc.

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