- November 22, 2023
- Posted by: legaleseblogger
- Category: Related News
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Original Content:
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Rewritten Content:
AI Legalese Decoder: Reshaping the Legal Industry with Advanced Technology
In today’s legal landscape, legal professionals often face the daunting task of deciphering complex legal jargon and terminology found in legal documents and contracts. AI Legalese Decoder is a cutting-edge software solution designed to alleviate this challenge, leveraging the power of artificial intelligence to decode and interpret intricate legal texts with ease and efficiency. This groundbreaking tool serves as a valuable resource for lawyers and legal professionals, revolutionizing the way they work with legal documents and contracts.
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AI Legalese Decoder is poised to redefine the way legal professionals engage with legal documents and contracts, offering an unprecedented level of support and assistance in their work. As the legal industry continues to evolve and embrace technological advancements, AI Legalese Decoder stands at the forefront of this transformation, empowering legal professionals to thrive in an increasingly complex and dynamic legal environment.
AI Legalese Decoder can help by simplifying the process of understanding and working with legal documents, saving time and effort for legal professionals. Additionally, AI Legalese Decoder provides insightful suggestions and strategies for legal professionals, empowering them to optimize their approach to legal cases and contracts for more favorable outcomes. This tool also serves as a valuable resource for legal professionals to stay updated with the latest developments and changes in legal language and regulations, ensuring that they are always working with accurate and current information. Overall, AI Legalese Decoder is a game-changing tool for legal professionals, revolutionizing the way they navigate through complex legal language and documents with confidence and efficiency.
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****** just grabbed a
I have my brokerage account. And to for budgeting purpose and to have more organization for myself I want to open multiple accounts for the kids (earmarked).
Want to know pros or cons besides more paperwork.
I purchased these three CD on Charles Schwabb brokerage website in september
1)$10,000 CD from a bank at 5.55% in September. However, my daily change is -$0.07 and my Gain/loss is only +$5.98 so far.
2) $5000 callable CD from another bankat 5.7% in September. Daily change -$0.06, Gain/loss: -$0.85
3) $5000 of Tbill 5.53% in September, daily change +$0.65, gain/loss+$43.22
Why isn’t my 1st and 2nd CD gaining >5% interest like they suppose to?
Home sale check, large. Need to park while I plan, so, what is best? It’s a large check, and I want to park it somewhere useful for 3-6 months instead of being rash. I met with one financial advisor and am tryin to meet another. I just want to park the funds somewhere good for 3-6 months as I figure things out. Do I bring to my bank and transfer from there?
Just recalibrated the budget and spending, apparently we crossed the 500k NW mark sometime this year. Woopie!
Not sure if this is well known, but CashApp transactions run through credit cards are being classified as cash advances rather than transactions. Two recent CashApp transactions I sent came along with an additional cash advance fee ($10 or 3% depending on what is higher) and an additional percentage.
Calling in to my credit card company confirmed this. This is being done by CashApp, coding these transactions differently.
No Major Expenses, How Much to Put into HYSA?
IÔÇÖm 23 years old and I live at home with my parents. IÔÇÖm very fortunate to not have any major expenses. I have a full time job and make 51k a year. I am regularly putting money into an HYSA as well as with my 457b, a regular brokerage account, and maxing out my Roth IRA. IÔÇÖm just wondering if at any point, for the time being, I should stop contributing to the HYSA (which has about $12k righ now, acting as an emergency fund) and start putting more into the brokerage account or somewhere where it could potentially do better. Thoughts?
(Not sure if this is the right place, apologies just in case.)
IÔÇÖve been financing my friendÔÇÖs business endeavors. IÔÇÖll lend him 100K and heÔÇÖll pay me 2.5K in interest, we usually do this in 30 days. So itÔÇÖs 36% APR five or take.
Now he told me he needs 100K again but could pay me 25K in 30 days, 25K the subsequent month, and 50k at the end of the third month.
Any formula to calculate how to apply the 36 APR in this case? Just so I know how to calculate similar dealings in the future
We borrowed $24,000 from my wife’s 401k to buy our current home. We rented the old home for a while and now are selling it. Profit from the selling is $105,000, of which:
$32,000 will go to a HYSA to pay back what was originally a HELOC but is now on balance transfer credit cards at 0% for the next 19 months. After the 19mo we will decide whether to pay it off or do another BT. We have ~800 credit scores. But that $32,000 covers that entire amount.
$24,000 is earmarked for the 401k payback
$25,000 goes into a HYSA for an Emergency fund
$24,000 is general savings
My question is so we pay back the 401k loan immediately or let that money sit in a HYSA/TBills? The interest rate on the loan is 7.25%, but we pay that back to ourselves. She is still contributing to the 401k like normal too.
We have no other bad debt, just the new mortgage and one car loan that is at 2%.
I have a steady federal govt job and she has worked at the same place for 10 years, but thinking about going elsewhere so at a minimum that $24,000 will stay in an account in case she leaves she we have to pay it back immediately.
What are my options here?
I need a car asap and found the perfect one and am ready to purchase tomorrow from a private owner. I’ve been pre approved for a loan from my local credit union. The thing is all my money is currently in my Ally HYSA.
Is it possible to get the funds needed to purchase the vehicle by tomorrow?
Hello yall. I have 22k CC debt due to bills and unemployment and would like advice on the loan IÔÇÖd gotten from family:
**Breakdown**
-BBY(10.8k)
– AMEX(4k)
-APPLE(4k)
-WFARGO(4k)
BBY card is over by $800. I have a family member offering me a personal loan of 6-10k to help me out(forever grateful and lesson learned about just asking for help). Just landed a job making 60k a year and current rent is 600$ a month(a room). IÔÇÖm wondering which card I should tackle since I have a card that is maxed out but I could knock out a card or two completely depending on the amount I get from family. My WFGO credit limit was 10k but it was reduced to 3.9k. I tried to call and ask if they could reinstate the previous amount if I paid it off. So IÔÇÖm wondering if it would make sense to put the dent in BBY instead. Would love any and all advice. Thank you ƒÖŃť
Single and no kids, starting my first job soon and tried to use the Tax Withholding Estimator as per other Reddit posts, but I can’t seem to understand how to fill out the Extra Withholding for federal and Number of Allowances for state elections.
I filled everything out (maybe I did it wrong), but there isn’t anything for either section on the results page. Should I just leave it at 0?
Hi there, longtime lurker. I’ve just created a Vanguard account and will be contributing to a Roth IRA, probably purchasing VTI or VOO. I’d also like to put my emergency fund into a high-yield account or a Vanguard money market fund since I already have the account set up, so here is my big question:
I believe I see that VMFXX is the default fund for the settlement account, but is it possible to park my $5k emergency fund there and still max out the IRA? It appears that simply having the money there before purchasing products contributes to the yearly limit, and I’d like to grow the emergency fund to over the yearly contribution limit over time in which case I imagine I’ll shoot for VUSXX for the fund.
Am I missing anything? Thanks so much for your time and help.
[deleted]
HYSA and direct deposit
First time setting up a HYSA, and I guess one of the common catches is that you need to direct deposit into the savings/checking account to activate the high APR.
Since this is an online-only bank, I reluctantly set up direct deposit for my entire paycheck per pay period, not having known that you can actually split direct deposit amounts with my employer.
What do most people do? Are they comfortable dealing with an online-only bank and depositing their full amount of their paycheck? Or do they split it up so that only a portion of the direct deposit is to the HYSA and the other to a brick-and-mortar institution for more ease-of-mind of in-person customer support?
I’m 21, a college student, and just hit 15K in net worth as a result of a few successful trades. I don’t know what to do with it. I have an internship coming up in January, where I will hopefully be able to save around 10K. And then I’ll start full-time in summer, or early fall, making 75k. I feel like I could leverage this to become really rich in the future. I live with my parents, we’re poor immigrants, and I support them with 600-700 USD per month. I plan to do 1000 when I start full-time. I spend without holding back, so I’m not really frugal, but I just managed to be smart with my money I guess.
​
My relatives are telling me to buy a car new, and pay in cash, but it feels like such a waste. What do you guys think? I am thinking why not save up enough for a down payment for a condo in a larger city, like NYC or Chicago, where I can then make much more money?
I feel weird bragging about this in real life, so I will share here instead. At 31 years old, I hit $100k saved for retirement this morning. I started my first 401k around 20 years old, but I was working in retail and didn’t save very much. At 26, I opened a Roth IRA and started contributing what I could to that. At 29, I left retail and got a better paying job in financial services, so I was able to increase my retirement savings. I still don’t earn a ton of money, but I’m able to save nearly 30% of my pre-tax income. Everyone always says the first $100k is the hardest, so I feel very pleased to finally be there and I look forward to the next $100k coming sooner rather than later.
Hi!
I’m from Latin America and can’t connect the popular budgeting apps to my Latam bank accounts.
Do you know of any apps that support automatic transaction logging through a different method?
For example by automatic forwarding of the transaction emails to the app?
Thank you for your help!
I wish this subreddit had it so you could click on a flair, say housing. Then you could click Top and check the top posts from the past month/year etc with that flair!
Hi All, First time doing my own post in this community. I’m working on getting myself out of debt and want to try to implement a waiting period before I make purchases. I was wondering if anyone knew of any apps or tools that could help with this. I’m basically looking for a store-neutral system where I can add an item I’m interested in, track the date I added it and if I could back at the end of a 30-day waiting period I can easily get back to the item and make the purchase or archive it (maybe I’ll circle back to it later etc). Does anyone know of anything like this? I know I could track via an Excel spreadsheet but just wondered if there was a tech-savvy way to do it.
I’ve started looking for houses. Currently, I have enough for the down payment in two no-penalty CDs with Ally. I have additional funds for closing costs in regular online savings account. If I find a place at my max price, my parents are going to give me about $5,000 to help with additional closing costs or an appraisal gap. However, my intention is that if I accept money from them, what I’ll actually do is use other personal savings I have for the payments, then just refill those with the money they give me (they’re aware of this plan).
My personal savings are split between two banks. Should I move one pot (about $4500) to the other so it’s all in one account, now, or will that attract more scrutiny if, say, I found a house next week? I was thinking it would be easier to wire in one go for whatever expense I need it for.
Not sure if this is more of a money question or a relationship question but figured I’d be less likely to get flamed here. Girlfriend (of 6 mos) and I have very different views on money and I’m trying to figure out how to navigate this. I have always seen myself as a cheapskate but she sees me as a spendthrift. For example, I only had 4 forks in the silverware I inherited from my grandma. This works fine when you’re single but not so fine when you have company (like a girlfriend) over especially if you want desert and one or more forks are already dirty. So I went on ebay and bought some silverware that matched what I had. I paid like $30 for 6 forks. Thought I got a good deal. She was shocked that I paid this much and said I should’ve gone to Walmart and bought for forks for $1 a piece and who cares if they match. We haven’t had any fights about this but her standards for spending are very different from mine. Just looking for tips/tricks on navigating this. I am thinking she’s the one though I’m not planning on proposing this quickly of course.
HYSA while having ATM access?
Does anyone know of any banks that offer anything resembling an HYSA while having significant ATM access across the country?
I just took most of my money out of my Chase bank and put into a credit union. (CU offers 3% interest on my checking balance). Looking to park some money in an interest bearing account that has easy atm access outside of my local CU area. I like the Chase ATM network across the country but they have NO accounts that accrue interest. I like having access to my money regardless of where IÔÇÖm at. Plus my CU only had a daily withdrawal limit of $600.
Any ideas? Or am I just stuck with the tradeoff of having a regular account that has accrued no interest in exchange for having basically unlimited access to my funds?
Bad Credit/High Income (delayed Commission payouts) – What are my options?
IÔÇÖve been at the same sales job for over four years, due to the commission payout structure I see the largest payouts in December, January and February. Unfortunately, I canÔÇÖt wait that long to make payments to contractors and friends/family who helped me. I have a 50k base salary with an additional 50k in commissions to be paid out from 12/31 through 2/29 (end of each month).
I own my own home (with mortgage) and am roughly +267k in value from purchase to now. My credit score is poor due to some mistakes with Credit Cards when I was younger.
Some things IÔÇÖve applied for and was denied:
HELOC
Online Personal Loan (SoFi, Upstart)
Second Mortgage
Looking for secured or unsecured options that could help me out of a tight spot in the short term and I am willing to take an interest rate hit to clear this stuff off my plate – more worried about peace of mind than the actual money since I know itÔÇÖs coming, just slowly. Thoughts?
I know you can contribute to an IRA for the previous year up until tax day, so 4/15/24 for 2023 contributions. But IÔÇÖm finding differing answers about if I can contribute and still do a backdoor Roth conversion after the end of the calendar year. Even the fidelity article on backdoor roths states that conversions must be done in the same calendar year. But others are saying itÔÇÖs possible to do in 2024 before tax day for 2023. So whatÔÇÖs the answer?
I grew up poor and I now can save basically an entire paycheck per month. But I have a constant feeling of “How am I going to feed myself?”, “how am I going to pay rent?”. It runs though my mind all day. I have had this job for the last four years and I just can’t shake the feelings/thoughts. I recognize it now which is a start. I have every bill covered and then some left over to save. It seems like a complete non issue compared to some other situations I see here, but it is just starting to take on my mental health.
I’m about $35k in debt after a divorce. It’s across 3 Chase cards and an Amex. Interest rates are high…averaging about 22%. I have about $4k-5k of expendable income to throw at the cards every month, and i’m doing my best to keep spending habits down, but I fear I can’t dig myself out. What’s the next best step to either consolidation or reducing my interest? I’ve never looked into either unfortunately. Thanks in advance!
So, IÔÇÖm one of the soon-to-be Mint orphans. IÔÇÖve gone down the rabbit hole of replacement apps (Simplifi, Monarch, Empower, etc) and have decided to just pick one and figure out how to make the best of it.
That being said, Monarch users, what are your suggestions for making the most of the app? What are some things you wish you knew when you started with it? What do you love about it? Hate about it? Help me shorten the learning curve.
Thanks in advance.
Buying CDs bank question
I am in the US and buy CDs on fidelity by just searching for best return. So far I have them from JP Morgan. When I look today the highest is 5.5 for 5 years with KBC Bank. I don’t know much about KBC Bank, I believe CDs are safe up to 100K. Do I need to worry about what bank the CD is from?
I know that time in the market beats timing the market, but I also have read that large lump sums do better than sustained deposits over a period of time. So which takes priority? I have not contributed to my Roth IRA for 2023 yet. I am planning to fully fund it when I sell my I-bonds in January, however, after I pay my bills at the end of this month I could comfortably drop 2k into the IRA and then fill in the rest after I sell the I-bonds. I know the timing isn’t major between the two, but is there a significantly better option over the other?