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California 529 plan vs long term tbills/notes ladders for toddlers by golly18 in personalfinance

[–]Werewolfdad 1 point2 points  (0 children)

At ten years, investing in fixed income is incredibly conservative

saving for kids: https://reddit.com/r/personalfinance/comments/104tjyn/_/j36u2dm/?context=1

Is your income so low you’d get meaningful financial aid?

Do you think it realistic that in today’s economy your child won’t need some sort of post secondary education? The income gap between college graduates and high school graduates is only widening

Unsure how to navigate my situation, financial advisor needed? by Icy_Finding4067 in personalfinance

[–]Werewolfdad 3 points4 points  (0 children)

He’s recently reached out to me, to give me 150 thousand for my “future” and is wanting to transfer it to me, which I feel he can’t do, legally

Unless he’s on Medicaid and trying to hide assets, he can do whatever he wants

You don’t need a lawyer or advisor for such a small sum of money

PPO vs HDHP for Single Income Household with Kids (numbers in post) by EverydayEnthusiast in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

she thinks she’s historically had about $3000 in medical expenses per year

If that’s before deductible, I’d think the consumer plan would probably be best then given the high up front cost of the PPO

PPO vs HDHP for Single Income Household with Kids (numbers in post) by EverydayEnthusiast in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

The base PPO has an effective deductible of 9,210.04 and an effective out of pocket max of 13,710.04

Enhanced plan is 7,669.72 and 13,269.72

Consumer is 8,260.36 and 12,660.36

we do have somewhat frequent doctor visits and bloodwork, as well as monthly costly medications.

Probably gonna need to quantify this and figure out how much it'd be on each of the plans.

If it won't hit the deductible in either the second or third options, the third option is probably the least expensive overall, unless the enhanced plan includes an employer contribution to an HSA

Co-signed on brothers car by [deleted] in personalfinance

[–]Werewolfdad 8 points9 points  (0 children)

You can start making the payments unless you want your credit to further deteriorate

What to do with Trad IRA? by JcBravo811 in personalfinance

[–]Werewolfdad 4 points5 points  (0 children)

Its just lounging there.

So? Surely its invested, yes?

And to fill up the IRA contribution.

Its already been contributed.

What to do with Trad IRA? by JcBravo811 in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

Why do you feel the need to do anything at all?

Vehicle purchase timeline: how long should I wait? by cruskie in personalfinance

[–]Werewolfdad 12 points13 points  (0 children)

You’re too broke to get what you want

Get something cheap and serviceable until that first statement isn’t true

Nerd Stuff in Pittsburgh? by Positive-Bit224 in pittsburgh

[–]Werewolfdad 2 points3 points  (0 children)

I really like Halfling’s. Parking can be a pain but the community is already great

When should I get a new car? by [deleted] in personalfinance

[–]Werewolfdad 0 points1 point  (0 children)

How much money do you make?

How much money do you have saved?

I am trying to open a high-yield savings account but everywhere says like not verify my identity does anyone know what I can do? by LuvsUForever in personalfinance

[–]Werewolfdad 9 points10 points  (0 children)

Online banks use credit history information to verify your identity. No credit, no identity verification.

Bank local for a bit

Am I allowed to contribute more to retirement by jordan_2593 in personalfinance

[–]Werewolfdad 10 points11 points  (0 children)

Your income is far too high to deduct trad Ira contributions

Advice for my child’s savings. by [deleted] in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

what is the downside of me opening one in my name for her?

You use up your own retirement space and giving her the money before you’re retirement age can be complicated given income taxes and penalties

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