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dalstrs posted:Are medical bills considered the same as other debt on your credit report? Bills that aren't a credit product have no history so they can only count as a derog.
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Jul 24, 2012 03:24
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| # ¿ May 12, 2024 00:11 |
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dalstrs posted:So that means if this million dollar ICU bill that my insurance refuses to pay for is sent to collections it will basically gently caress me. Depends. You might want to keep it from going on your report by poisoning the well by opening disputes with your insurance and the billing company...it comes close to a violation if they know about the dispute and still report it so most won't...
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Jul 24, 2012 03:50
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Xguard86 posted:I recently left a job and I am considering rolling my 401k over to my roth IRA. I have tried google but it is kind of confusing and I don't want to go to jail for screwing up my taxes. You'll take a tax hit unless you roll it into an IRA. This is not really a good or bad thing, it just is, and is something to think about. Personally, I would make another IRA account with who ever holds your Roth and roll it into that. Make that your dedicated "401K dumping ground". That's what I did years ago.
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Aug 6, 2012 20:44
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Xguard86 posted:Do I take the tax hit when I withdraw in however many decades, or is there something I need to do next time I file? I'm just terrified of somehow owing enormous amounts of money to the IRS because I didn't know about some form or procedure. If you go from an IRA (pre-tax) to a Roth(post-tax) the entire IRA will be counted as income for that year.
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Aug 8, 2012 22:45
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Xguard86 posted:that is a thing I do not want. So if I take my 401k and open a non-roth IRA my tax bill this year will be $0 and I will owe normal IRA taxes only when I eventually withdraw? Yes. In fact I recommend anyone who has to roll one over to make a long term IRA somewhere because odds are you will have to do this again in 3-5 years when you leave your next job.
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Aug 9, 2012 22:55
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Open a CD with the money and then have her use it as colleteral for a cash secured loan. You make interest and you have a mechanism inbetween you and the transaction. This abstraction is really the best of both worlds because someone else will be collecting the money and someone else will be doing the dirty work if and when she defaults.
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Aug 10, 2012 19:11
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Xenoborg posted:Are they? I have one checking account, one savings account, and one credit card account and it says I have only one account. Not if you are opening and closing a lot of cards...I used to signup for the store cards to get the discount, and then I end up closing them around a year later when I remember. I've had Best Buy, NTB, Beldons, Macys, Nordstrom's etc. I still have a target card because it ends up being 5% off everytime which is really unheard of for a store card. Then what if you have a mortgage, car loan, student loans (through how many servicers), overdraft protection, etc..... it can add up.
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Aug 30, 2012 17:21
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mfaley posted:I was actually wondering about this. Actually, what I was wondering about is their Gold and Green cards -- I realize they are not credit cards and thus don't contribute to your revolving credit, but do they offer anything else? Perhaps a "foot in the door" kind of thing with Amex for future cards with them? I have a gold card and they list the max amount I had charged as my credit limit, so it does count as a revolver.
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Sep 10, 2012 20:55
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Oliax posted:The pre-qualify is really just a marketinig gimmick. You are probably on some mailing list that contains a high percentage of people that do typically qualify for the charge cards, and so got the mailing also. Unfortunately, your actual Blue Card application represents Amex' true assessment of your credit worthiness. Pre-approved is actually a legal term. It means they cannot deny you for a credit decision. They can deny you for other decisions though (income, etc.) If they deny you for a credit reason (and your credit remains the same as when they pulled it) after being pre-approved, they done hosed up.
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Sep 11, 2012 16:23
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Oliax posted:"Pre-qualified" <> "pre-approved". Also, since they will never tell you why they rejected you (the person on the phone won't know, the computer doesn't tell them) it doesn't really matter whether it was realted to income, credit or something else... No, you'll get a letter telling you why you were rejected. This is actually a pretty strict legal requirement. Pre-selected means they used no personally identifible data to provide the offer. If it's pre-approved, it means they pulled a soft pull on your credit. They can do this without your permission because they then have to offer you credit if you accept and can't deny you for a credit reason. The fines are huge for messing this up. LorneReams fucked around with this message at 17:09 on Sep 11, 2012 |
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Sep 11, 2012 17:07
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Love the new thread title. As someone in credit risk, the gaming drives me crazy.
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Sep 28, 2012 16:56
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| # ¿ May 12, 2024 00:11 |
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Best part of an HSA is avoiding the retarded AGI floor. People using it as an exotic investment are going to ruin it for people who are using it for its intended purpose, like just about everything else. It's why we can't have nice things.
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Oct 20, 2012 16:07
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