u/AndroFeth

I'm a first time car buyer (22 soon 23 y.o) and a friend has a 2020 land rover that has very low miles and I've been testing it for a month, I like it and it's awesome for winter.

My friend currently has a 14.9% APR on it and I think owes 29k or so on it.

I want to talk to her and see if she sells it to me for 25k because she wants to sell it and because it's not even in the 50k miles range, it's like 42k or so.

Anyways, with that context on why I want to buy it, what should I know for a loan?

I'll check with either DCU or my local credit union.

I don't know much about car buying but I'm aiming at any rate under 7% cause I'm going for maybe 5-7k downpayment.

Stuff I'd like to know are things like GAP, should I get it? What else? Cause it's not through a dealer so they ain't selling me any add-ons.

My score is currently 692 but I do have recent inquiries. From maybe 3 months old or so.

3 years with credit and 100% on time payments. Income of around 45k

Thanks for the info!

I listen to different genres on Spotify. I do listen to ID, AJR, TOP, VOILA, PANIC! ATD, The Score, All Time Low, Aurora, Evanescence, MCRomance, etc.

In spanish I listen to Mecano and Rata Blanca, and I like Ultimo's songs too (Italian artist)

So I'll probably like your recommendations. Thanks in advance!

I got an automatic increase in Amazon Prime Visa a month ago for $2.1k increase

So now while I had a 647 Experian Fico Score I applied for a CLI for $4,000 on my Amex BCP with a $1.5k limit

Amex approved it for $3,000

I tried asking Chase for a CLI on a $700 Chase OG Freedom but was denied due to the recent Prime Visa increase

I did try the pre-approval tool on PNC's Cash Rewards but was denied even with $2k in the account due to recent inquiries. PNC's denial letter is from where I got the 647 EX score.

So yeah, Amex's CLI every 3 months works if asked for 3x the current limit

I don't need the money so I want to know if you guys are taking $1+ studies or how much

Cause I think less than $10 for uploading my google activity is too little

I have an OG Freedom. No 0% APR

Yet, $100+ purchases qualify for Chase Pay Over Time with $0.00 fee (since it's first time using it on that card)

So I'd like to know if there's any purchase type, amount, or vendor that Chase's POT won't be available on

The title, basically.

I saw the current $400 bonus and applied right away. Just a week ago I was looking into $250 bonus but wanted the $300 instead and surprise! There's that offer that began yesterday

I do have an US address and already have credit so the approval process was quick. Entered info as Resident, not NRA.

They do need funds within 60 days so if you guys open one keep that in mind.

I also used their tool to check if any of their partner banks approved me for a car loan and I think it was WestLake and this other one but the interest rates are very high.

That's all!

Fees and penalty for not doing the 2024 tax return

I have irs .gov account but there's no option for late fees, at least not what I saw

So how can I pay these online?

Fraud or unusual activity would trigger but what about normal usage

I'm going to open a chase business, already have a chase college checking

They should have my W-9 already. Will be depositing $2k for the sign up bonus and leave it there cause I'll actually be using the account.

But I want to avoid getting told "hey we restricted your account" if that happens, what reasons would those be so I avoid doing that?

Opening in branch too so they properly identify myself with proper LLC docs.

Thanks!

I believe I'm doing everything right. So I just want to double check.

I chase sign up bonuses from banks and credit cards and get 1099INT and DIV from Fidelity

I am selfemployed so I pay 30% in estimated tax payments from what I make per quarter.

I saw a post of this guy owing a lot to the IRS but that doesn't apply to me

So, as long as I'm doing estimated tax payments, tracking expenses from the business while separating personal and business expenses. Same with business and personal sign up bonuses I receive (though it's sole propietorship) then I should be good or is there anything I should be aware?

I might get a 1099-B for like $300 profit but that's it and a ROTH IRA that I haven't funded in a while

Thanks for the insight!

The site keeps on loop taking me back to the start and not letting me verify ID

Anyone with the issue was able to get it fixed?

4-5 months after getting my ITIN I tried to apply to an EIN and the IRS didn't let me as it wasn't recognized

I was able to apply today to an EIN but my ITIN has 3 years credit history and 3 years of tax returns filed

Perhaps 1 year is enough

So just wanted to put this out there that ITINs allow for EIN creation on the online website

I'm looking to open a Chase Business checking account and have my phone number as the zelle on the personal account

The Chase Business zelle can be an email correct?

Also, how does the login info work? Is it a separate from personal account? That sort of thing

Also, what do they ask for? I have EIN sheet and getting the articles of organization sheet during this week.