fluffy_bunny22
fluffy_bunny22 t1_jaf27s3 wrote
Reply to comment by Pretty_Swordfish in Auto dealership won’t let me use outside financing by bobannabananaa
Refinancing is usually not as good of a rate as buying it brand new.
fluffy_bunny22 t1_jaf23ir wrote
Unless there's a very specific car there that you can't find anywhere else I'd find somewhere else to buy a car. There are 2 of my cars dealers in my area. I don't like who took over my dealership so I don't deal with them anymore.
fluffy_bunny22 t1_jaexiry wrote
Reply to why are all of my 401k accounts empty by [deleted]
I had one employer where you couldn't contribute to a 401k until you had been there for a year. Another employer sent me a check after I quit and I rolled it over into an ira. You can't just forget about low dollar amounts and then try and figure it out years later.
fluffy_bunny22 t1_jaeqe02 wrote
100k is 20% down on 500k. A lot or a little depending on where you are. Rates aren't great right now. You'll need some extra for closing costs so you shouldn't put all of the money down. Be careful with condos because they can have big hoa dues. Ours are over $2500 every quarter.
fluffy_bunny22 t1_jaeh744 wrote
Reply to comment by GholaGolem in How to budget for a house when a significant percentage of compensation comes from bonus. by [deleted]
It's not unusual for executives to make that kind of money in bonuses in any line of work.
fluffy_bunny22 t1_jaaeecx wrote
Reply to comment by rdjnel59 in How do I spend money guilt free? by [deleted]
I'm super good at that. I get in "trouble" all the time.
fluffy_bunny22 t1_ja8seez wrote
Reply to Mom's phone got hacked and they took money from her bank account, what to do next? by Energizer100
Sounds like she got scammed not hacked. Especially if she changed her number. You don't change your number if your phone gets hacked.
fluffy_bunny22 t1_ja8hf6i wrote
They need more money for the length of the terms that they are offering higher rates for. A bank determines what their money needs are in advance and for how long they need that money.
fluffy_bunny22 t1_ja5or6g wrote
Reply to comment by Maece in Closing first house in August: help me hedge! by dkattir
Probably a new build.
fluffy_bunny22 t1_j6oq0ga wrote
Reply to comment by nrj3697 in Why dont people talk about Tbills, Bonds, and CD's anymore? I remember my grandmother who was an accountant had tons of paper bonds for me when i turned 18. by [deleted]
It was the 80's. It's going to be my grandma claim to fame along with when I was younger gas was 69 cents a gallon. It was technically only that cheap for 2 weeks because a new station had opened and they wanted to drive traffic their way.
fluffy_bunny22 t1_j6ono57 wrote
Reply to comment by nrj3697 in Why dont people talk about Tbills, Bonds, and CD's anymore? I remember my grandmother who was an accountant had tons of paper bonds for me when i turned 18. by [deleted]
We use Merrill for our brokerage so I'll have him check. We use Ally for our CDs. I remember back in the day when I worked at a bank you could get 8% for CDs. I worked in the IRA department and had to pull paper files sometimes and there were customers who had at one point had CDs at like 13%.
fluffy_bunny22 t1_j6ohtsd wrote
Reply to comment by nrj3697 in Why dont people talk about Tbills, Bonds, and CD's anymore? I remember my grandmother who was an accountant had tons of paper bonds for me when i turned 18. by [deleted]
I will mention that to him since we have a good bit of cash coming in soon.
fluffy_bunny22 t1_j6ocml4 wrote
Reply to Why dont people talk about Tbills, Bonds, and CD's anymore? I remember my grandmother who was an accountant had tons of paper bonds for me when i turned 18. by [deleted]
Bonds are all virtual now and a little more complicated to buy. We converted all of our son's paper bonds to digital and it was a hassle. The account number is complicated and not easy to remember. If you want family to buy bonds for the grandkids they need the account number and need to be digitally savvy. I suggested we buy some bonds recently and my husband didn't want to go through the hassle because I think you can only buy 10k per person. He didn't think the return was worth the hassle of the website. We do have CDs that we have laddered to mature every 2 months.
fluffy_bunny22 t1_jaf4ilq wrote
Reply to comment by Pretty_Swordfish in Auto dealership won’t let me use outside financing by bobannabananaa
Mine considers if it's been titled it is no longer new.