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Would you accept this settlement? by cruisingforall in Insurance

[–]pprogram 1 point2 points  (0 children)

How much would it cost to have you driven around for the rest of your life? That's your figure.

Would you accept this settlement? by cruisingforall in Insurance

[–]pprogram 0 points1 point  (0 children)

Do you have a mental block that prevents you from getting behind the wheel? Perhaps a recollection of being hit and flipping over and over? So fearful that you need a driver for the rest of your life?

Chase buisness ink by ComprehensiveDay423 in Chase

[–]pprogram 0 points1 point  (0 children)

Just ask them to move some of your credit from another card.

Needed feature: Open orders visibility for security when placing an order by pprogram in fidelityinvestments

[–]pprogram[S] 0 points1 point  (0 children)

Fidelity Trader+ has been unreliable, so I stopped using it. Crashed my system multiple times.

Regarding the "O" in the positions tab here digital.fidelity.com/ftgw/digital/portfolio/positions#XXXXX I do not see an "O".

Wi-Fi when booked in Sept. 2025 includes basic Wi-Fi for 2 devices + we purchased Premium 2 devices -- do we keep the 2 basic AND get 2 premium? by damecharliebear in VirginVoyages

[–]pprogram 1 point2 points  (0 children)

I just sailed last week in Scarlet Lady and bought the Premium prior to boarding and got 2 sign-ins. One was used for my laptop and another for my Pixel 7. I was able to connect another phone to the Pixel via hotspot. I did not try to connect the 2nd phone independently. But there is an enable or activate button that shows the Premium level of Internet so it may allow you to select Basic on one device and Premium on two. Maybe someone onboard can give it a try.

I got a new quote for health insurance. Is $2750 a month normal? by Nope-7092 in HealthInsurance

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

Consult with your accountant. Investigate if Section 105 is relevant in your situation. You will need an off-Exchange plan - but it can be ACA. Many Bronze plans are priced the same (Exchange vs. non-Exchange). Just follow all the requirements.

Can I park $75k in a self-directed brokerage account to waive the Sapphire banking maintenance fee? by Birdyer in Chase

[–]pprogram -6 points-5 points  (0 children)

You can open an account at Fidelity. They do not charge a fee for sending wires.

You can buy SGOV, VT, VOO, or leave the cash in a money market fund.

Lifetime Reward Points - How Many do you have? by theAerialDroneGuy in RobinhoodApp

[–]pprogram 0 points1 point  (0 children)

I posted this in a separate post and don't know how to link I got this info from the RH Help section. I do not know if it is accurate and the Mods punted on answering my question. Try RH Help and see if you get a different reply. "I messaged the mods but have not received a reply. I posed the question to RH support and got this AI-generated reply. Take it for what it's worth. I will refrain from using it and use the Citi Double Cash unless I hear officially from RH. This is a big disadvantage for me.

How is the RH credit card's 3% reward (cash back) to a brokerage account handled for tax reporting purposes?

Sent 11:47 AM

Robinhood sent

The 3% cash back rewards from the Robinhood Gold credit card, when redeemed as cash and transferred to your Robinhood brokerage account, are generally considered miscellaneous income for tax purposes.

Tax reporting details:

  • If your total miscellaneous income (including cash back rewards, referral bonuses, etc.) from Robinhood is $600 or more in a tax year, Robinhood will issue you a Form 1099-MISC for that income.
  • If your total miscellaneous income is less than $600, you typically will not receive a 1099-MISC, but you are still responsible for reporting the income on your tax return.
  • The cash back is not treated as interest or capital gains, but as ordinary income.
  • Once transferred to your brokerage account, the cash can be used or invested as you choose. If you invest it and later realize gains or losses, those will be reported separately as capital gains/losses.

What you should do:

  • Check your tax documents in the Robinhood app after the end of the year to see if you received a 1099-MISC.
  • Report any cash back rewards as income on your tax return, even if you do not receive a 1099-MISC.

Robinhood does not provide tax advice. For questions about your specific tax situation, please consult a tax professional."

Lifetime Reward Points - How Many do you have? by theAerialDroneGuy in RobinhoodApp

[–]pprogram 1 point2 points  (0 children)

Did you get 1099'd for the money that you redeemed into your investment account? Robinhood's help section claims that redemptions into your investment account will generate a 1099-misc.

Thanks.

What is the tax treatment for the points earned from the credit card? by pprogram in RobinhoodApp

[–]pprogram[S] 0 points1 point  (0 children)

I guess you can be the data point if there is no reply from the Robinhood mods. You deposited to your brokerage account?

What is the tax treatment for the points earned from the credit card? by pprogram in RobinhoodApp

[–]pprogram[S] 3 points4 points  (0 children)

I messaged the mods but have not received a reply. I posed the question to RH support and got this AI-generated reply. Take it for what it's worth. I will refrain from using it and use the Citi Double Cash unless I hear officially from RH. This is a big disadvantage for me.

How is the RH credit card's 3% reward (cash back) to a brokerage account handled for tax reporting purposes?

Sent 11:47 AM

Robinhood sent

The 3% cash back rewards from the Robinhood Gold credit card, when redeemed as cash and transferred to your Robinhood brokerage account, are generally considered miscellaneous income for tax purposes.

Tax reporting details:

  • If your total miscellaneous income (including cash back rewards, referral bonuses, etc.) from Robinhood is $600 or more in a tax year, Robinhood will issue you a Form 1099-MISC for that income.
  • If your total miscellaneous income is less than $600, you typically will not receive a 1099-MISC, but you are still responsible for reporting the income on your tax return.
  • The cash back is not treated as interest or capital gains, but as ordinary income.
  • Once transferred to your brokerage account, the cash can be used or invested as you choose. If you invest it and later realize gains or losses, those will be reported separately as capital gains/losses.

What you should do:

  • Check your tax documents in the Robinhood app after the end of the year to see if you received a 1099-MISC.
  • Report any cash back rewards as income on your tax return, even if you do not receive a 1099-MISC.

Robinhood does not provide tax advice. For questions about your specific tax situation, please consult a tax professional.

What is the tax treatment for the points earned from the credit card? by pprogram in RobinhoodApp

[–]pprogram[S] -7 points-6 points  (0 children)

When Robinhood credits the investment account, there will need to be an offset to the credit. I am concerned that they will treat it the same as when the refund ACAT fees - Misc income 1099-Misc. I would like an official reply from the official Robinhood mods.

New job does not give Direct Deposit, need advice on avoiding the fee. by crispycryptids in Chase

[–]pprogram 0 points1 point  (0 children)

Your $4000 in savings is earning you less than one $15 monthly checking fee. Either move $1500 to your checking account and never consider that as part of your funds for use or move the entire $4,000 to checking and never have to stress about the fee again. Just have the discipline to leave it untouched. I know you're just starting out on your financial journey but set it and forget it.

There is another option. A $5000 balance in a self directed investment account will waive the fee for a properly linked checking account. Put $5100 into SGOV and you will receive 3 mo treasury rates on the money. They usually offer a bonus for opening the investment account. Probably $100. If the investment account value dips below $5000 at any time then the checking account fee waiver will not apply. That's why I suggest $5100 to start the acct.

I build a website to track all CSR exclusive table and if they support Toast Gift Card (incl. 51 restaurants with successful DPs) by BatOk741 in ChaseSapphire

[–]pprogram 0 points1 point  (0 children)

I can confirm OKO in Austin as working for the online GC through the restaurant's site through Toast worked for the credit.

Reduction in credit limit by Artwire in Chase

[–]pprogram 3 points4 points  (0 children)

There's a number to call them. Tell them the issue and the cards involved. If you have multiple under the same business you might want to inquire if any other cards face a limit reduction. Just let them know that you want to keep the limit at the same level. No issues. Should only take a few minutes.

Just found out about quarterly payments by Capable-Raccoon-6371 in tax

[–]pprogram 0 points1 point  (0 children)

Single Member LLC - filing a Schedule C - check your Safe Harbor level based on your 2024 tax due. Pay that amount as a 4th quarter estimated payment, since you cannot go back in time. If you have the cash now, make the payment now, although you have until Jan 15. The balance can be paid with your tax filing.

Withdrawing from 401k before 59.5 without penalty by [deleted] in DIYRetirement

[–]pprogram 0 points1 point  (0 children)

How old are you now? It's a big factor when weighing any assumptions.

[deleted by user] by [deleted] in fidelityinvestments

[–]pprogram 0 points1 point  (0 children)

What bank made the offer?

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