Ah, in that case I don't think it's a bad idea to take out a small student loan. I would pay off your CC, keep $500 or $1k in the bank for emergencies, and pay back the money after you get a job. I just wouldn't prioritize buying an iPad while you're unemployed.

It depends on your state. Some states allow you to break a lease without a penalty if you have to be a caregiver to someone requiring you to move, or if you join the military active duty, your job relocates you a certain distance away, ect. look up the laws in your state. Search Tenant's Right to Break a Rental Lease in such and such state.

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I used to work for a major insurance carrier. If we accepted liability and coverage was in order we would advance the deductible to the claimant if they wanted to use their own coverage.

who runs the NJbest plan?

Vanguard, Fidelity, Schwab are considered excellent around here.

Looked it up: Franklin Templeton. I don't know much about them.

Don’t call an attorney. This is between insurance companies.

I am sorry to hear about the passing of your stepfather. Regarding the lease, you should first read the lease carefully to see if there is a provision for early termination of the lease in the event of an unforeseen circumstance. If there is no such provision, you will need to speak with your landlord to explain your situation and request an early termination of the lease. Often, the landlord may require you to pay a fee for early termination, such as liquidated damages or a portion of the unexpired rent. If your landlord agrees to terminate the lease early, make sure you have a written agreement with him/her to avoid any disputes in the future. If your landlord does not agree to end the lease early, you may need to consult a local legal professional for additional help.

The information you need will be in your lease agreement. Time to dig it out and start reading.

Generally, there is a fee for leaving a lease early. Years ago, it used to be equivalent to half or a full months rent. These days, I see more people complaining that you're on the hook for rent until they can find another tenant which could, theoretically, be until next December. Your lease agreement will have the details as well as how to move forward with doing it if you truly want to.

While looking, if you find it would be financially impossible to break the lease, look for information in the agreement about subletting the apartment. If it's possible (it's not guaranteed to be an option), you might be able to rent out the apartment to someone else for the duration of your lease.

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so your solution to pay your debt is to take another loan for more debt. what you need to do right now is pay the minimum on your credit card, get a job, and use all of the money towards paying the credit card off. no ipad until you pay off everything.

True with that but my credit card bill is really the big issue. I have a $500 max and my card is almost maxed out because I am using it as buffer. If I don’t pay it off I won’t be able to get to a job. So, I need to pay it off. I have had jobs fall through or weird things happen so I wasn’t anticipating on maxing my card out. But, I need a way to pay off the bill.

Lol i still find it amusing to see people thinking they’re the first ones to think of this

Are you sure that's the case? I found this on investopedia

>If you meet the five-year rule:

>Under age 59½: Earnings are subject to taxes and penalties. You may be able to avoid taxes and penalties if you use the money for a first-time home purchase (a $10,000 lifetime limit applies), if you have a permanent disability. If you pass away and your beneficiary takes the distribution, taxes and penalties may also be avoided. 

>If you don’t meet the five-year rule:

>Under age 59½: Earnings are subject to taxes and penalties. You may be able to avoid the penalty (but not the taxes) if you use the money for a first-time home purchase (a $10,000 lifetime limit applies), qualified education expenses, unreimbursed medical expenses, if you have a permanent disability, or if you pass away and your beneficiary takes the distribution. 

How long has it been since you’ve stopped adding to balance owed on the cards?

Unless you have a strong emotional need to pay off debt, I would pay as you go, especially since these are relatively low rates. You're doing great with your savings vs. debt.

Having flexibility now as you start your lives will help you make better longer-term-focussed decisions. I say this having been in the opposite position when starting out. If you do feel the itch to pay off, pay highest interest first - but wait at least until the 0% period expires.

Just max it out from now on. Live off your savings if you have to

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I think "pre-tax" means earnings (because they haven't been taxed yet and could, potentially, be subject to taxation if you withdraw them instead of rolling over).

As for the roller/conversion, I think they'll sell what you have and purchase it again in the new account. The difference in value should be minimal if they sell and buy within the same day or two. But of course it's possible if the market crashes or something, that the value will change.

I understand, thank you for the response. Are you bading on direct knowledge? I am wondering about what kind of processing happens at the time of the swipe and what could happen other than denial. What could a punishment be.

That’s great!

A bank account will definitely be a big help. Not just practically but long term you’ll be able to have a base line to start your credit history with. Eg you can start paying for your phone via direct debit which will start adding to your credit score.

Well, I can tell you it doesn't get any easier as you age. So spends some of that money to experience new things and meet new people. You will be MUCH more interesting that way. You won't earn 78k your whole life; it will go up.

a CP523 notice is: https://www.irs.gov/individuals/understanding-your-cp523-notice

This website tells you to:

>Contact us immediately at the toll-free number listed at the top right corner of the notice. We will discuss what you need to do to resolve this issue.

Basically your day-job now is to call them.

Maybe you can show up in person. https://apps.irs.gov/app/office-locator/

I would just wait until you have the cash. You don't need an iPad right now, and if you can save up the cash in a few months, waiting shouldn't be a problem.

Does your lease have an early termination fee or allow for subletting?

Even when you swipe the card, the plan provider can request additional documentation to validate the charge is qualified.