Personal Finance [Update] Hit another milestone today. After 1,000 days of not smoking here are my stats! |
- [Update] Hit another milestone today. After 1,000 days of not smoking here are my stats!
- Heads up if you have a Bank of America eBanking checking account: your account is about to be converted to one with fees
- Father JUST retired, had an accident, now in a 10-day coma in ICU. How can my parents protect themselves from being cleaned out of retirement savings?
- What % of income do you save? - Am I going overboard?
- Job offer advice
- Mortgage company is harassing me about making payments while in hurricane recovery. They also broke their word.
- I accepted an offer to advance within the company I work for and after 1.5 weeks I still don’t know what my new salary will be.
- Tax bill slapped me upside the head. Looking for realistic options.
- What to do with my car while traveling for ~6 months
- So what’s the deal with bitcoins
- Brother Got A Random Check
- [UPDATE] We have 2 years to dig ourselves out of this hole.
- BF with student loans wants to move into new apartment, not sure if fiscally responsible
- I am 23 with $36.5k in Student Loans and just started my first job. I need some help figuring how much I can afford to put down on those loans in addition to high interest credit card debt.
- Best way to provide for kids if I die suddenly? (Odds are I’m going to)
- How do we get the most back in taxes?
- Question about HDHP w/HSA and PPO Double Coverage
- 26 years old. Student loans vs retirement strategizing/planning help!
- High debt-to-income ratio due to student loans
- Help with Health Insurance evaluation
- Equifax Credit Freeze Help
- My mate keeps buying cars even though he is £9000 in debt, I need help
- Great episode of the Freakonomics podcast on passive vs. active investing, with John Bogle as guest
- Received a 25K stipend from the Navy, was not cleared medically to go active after college. Has been a year since I heard from them and wondering what to do.
| [Update] Hit another milestone today. After 1,000 days of not smoking here are my stats! Posted: 28 Nov 2017 08:57 AM PST Original post https://www.reddit.com/r/personalfinance/comments/3fay73/i_hit_a_milestone_today_ive_officially_saved_800/ Assumptions
Results
Last time I posted regarding this I had talked about being excited that we could use the money saved to buy a bed. Well unfortunately the apartment complex got bedbugs so that is long gone. However we have since been able to save up enough to purchase a house, where my fiance and I now live. I'm also glad to report that she has also been smoke free for almost 2 years. Quitting smoking has drastically increased my productivity at work. It turns out that your social circle actually expands pretty significantly when you no longer smell like an ashtray constantly. I also qualify for much cheaper supplemental life insurance through my employer now that I don't have to list myself as having smoked in the past 12 months. I cannot stress the intangible benefits of quitting enough. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 02:09 PM PST Multiple people have received a notice at the bottom of their October statement. These accounts are scheduled to be converted to Core Checking in January 2018. If you don't want to pay fees for a checking account or want a savings account that actually pays interest instead of charging fees, you can check the wiki for a list of the most frequently recommended banking institutions on /r/personalfinance: https://www.reddit.com/r/personalfinance/wiki/banks_and_credit_unions [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 09:14 AM PST Thanks for taking the time to read this. I'm posting for my mom to help make sure she is taking the right steps to protect her and my dad's life savings during this emotional time. The situation:
My Questions:
Thanks again for reading this through. Any help is appreciated greatly. Please let me know if there is another sub I should post to. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| What % of income do you save? - Am I going overboard? Posted: 28 Nov 2017 10:25 AM PST Hey PF, I'm saving roughly 50% of my post tax income and another 8% pre-tax through my employer-matched 401k. I have a percentage of my income going towards 'fun money' but I often find myself being frugal with food, gifts, etc. My girlfriend has pointed this out as a negative, claiming I'm not allowing myself to reward my own hard-work. I have never felt unhappy and my fun fund has never hit $0 yet. At this point I feel like I could be saving even more, (I am lucky enough to have minimal monthly expenses). But I may already be over-doing it with my savings contributions. My goal is to be financially independent by age 40-45. (I am 23 right now) How much are you all saving? and where do you find that balance of being frugal (ex. I think I could save $100 a month by not treating myself for a coffee every once in a while - but I'm already putting 50% of my money away!!) [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 05:01 PM PST Im currently at Job A and happy. I cant stress that enough, the freedom and flexibility that I have is second to none. However, someone approached me about Job B. I interviewed and was told by HR that I was by far the best candidate. I received an offer sheet from Job B that has roughly 4% base pay increase a year and also includes 7% annual bonus. I looked up the position on glassdoor and their offer is still 10% below the average. However if you include the annual bonus it is only around 4-5% lower. I told HR that I thought their offer was a lot lower than I expected and that id offer a counter. Is countering the max on glassdoor reasonable? Do I need to factor in the annual bonus or should that just be considered what it is, bonus. Worth noting that the benefits are a wash. Again the risk of leaving my happy place gives me anxiety but may be worth it for my family. Any advice on making a decision is appreciated. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 12:59 PM PST My house was damaged in Hurricane Irma and I'm going to need a new roof and other things. With my deductible, I will still have to shell out about $25,000 to get my house back in shape. A week after the storm went through my mortgage company Wells Fargo sent me a message letting me know there was a hurricane plan and to call for more details. I called them and they told me that since I lived in the area and had extensive damage, I did not have to make a mortgage payment for the next 90 days and that what ever I did not pay would be tacked on to the end of my loan. In other words, if I missed two months, they would just add two months to the end of the loan. I thanked them and that was that. Or so I thought. Last week I got a call from the bank asking when I was going to start repaying the $5,000 from the two months that I did not pay. I told them that we had already discussed that and it was going on the back end of the mortgage. They said no, that it was ALL DUE at the end of the 90 days! I told them that my wife's business which is derived from tourism was still wiped out because there are no tourist, and that I was using the money I would have used on the mortgage to make home repairs. Finally, after two hours on the phone they transferred me to someone who said, yes there was a plan to make the payments on the end of the loan, but only if I qualified for it. He asked me about 20 questions and said he would get back to me. So today in the mail, I get the kit that I have to fill out. It is dozens and dozens of pages requesting all my taxes for the past several years including W2's and current pay stubs along with all the insurance info (House still hasn't been completely fixed because the insurance still hasn't gotten back with us) descriptions of the damage, bank statements, financial work sheets, all credit card and auto loan statements, utility statements, and they are requiring that we fill out IRS for 4506-T for them to use. This was accompanied with a cover letter basically threatening foreclosure on the house. Keep in mind the hurricane was only 75 days ago. And there is no guarantee after filling this all out that they are not still going to demand the full amount next month. Here are a few news stories from when the storm hit with Wells Fargo looking like heros with their plans - http://www.bankrate.com/banking/banks-offer-breaks-to-customers-caught-in-hurricane-irmas-path/ What can I do to force them to honor their original deal? Who can I report them to for harassment? TLDR: Mortgage company is backing out of their deal and harassing me to pay. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 07:10 PM PST I started working as a contractor at a Helpdesk nearly a year ago and recently put in for a position outside of the current task I'm on. After interviewing, I was offered the position and graciously accepted. At this point, I've spoken with the Manager of the team, Task Lead for that portion of the contract & my companies HR guy and still don't know what I'm going to be making. Salary Inquiry #1: After my interview with the manager, when he opened up the floor for any questions I had, I inquired about the salary. Rather than giving me a straight answer, he told me the story of how he became manager. tl;dr -Approached by the PMO of the contract. -Proposed his desired salary and heard crickets. -Promised X and told that he would see the rest come merit/performance evaluations. -Received a negligible merit increase. -PMO apologizes and he still doesn't get what he was "entitled" to. Salary Inquiry #2: Prior to my offer, the Task Lead brought me in for an impromptu interview and at the end I Inquired about the salary. Again, instead of a straightforward answer he responds with, "There's a cap when transferring but I'll take care of you on the way in and again come performance evaluations." I asked what the cap was and was told the HR guy would talk to me about everything. Salary Inquiry #3: 1.5weeks after accepting the position, I finally received a call from the HR guy. After some menial banter he began to address the money: HR: Has X or Y spoken to you about salary yet? ME: No, everyone seems hesitant to discuss my salary. HR: Thats strange, they shouldn't be. Tell me, what do you want to make? ME: X, I've looked around online at comparable salaries in the area for this position and spoken to a few people on the team and feel that while it's on the low-end it's a great starting point. HR: Hmmmm, okkaaayy. Let me talk to X & Y and I'll call you back. That phone call was Monday afternoon and I still haven't heard anything. The Task Lead came down to the office I work in but I was on a call when he walked up to me. I quickly muted the call and asked if he spoke to HR and he replies with, "I'm very upset with HR guy, he was supposed to call you back." Before I could ask about anything else, I had to respond to the caller and the Task Lead walked away. The entire sequence of events seems odd. This is the same HR guy I spoke with when I initially started at the Helpdesk. During that call, he threw out the salary and I accepted. Why is everyone throwing up smoke and mirrors every step of the way? Is this some new form of negotiations where nobody tells you what you're going to make? What should I do at this point? Thanks in advance r/personalfinance [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax bill slapped me upside the head. Looking for realistic options. Posted: 28 Nov 2017 06:09 PM PST Hi everyone, Freaking out a little bit, but I will try to be brief. In short, I ran a business that was basically my life for the last 9 years. I sold it in Dec of 2016 (tried to push it to Jan but no luck). Between the last years income, and the sale of the business, I was hit with my personal tax bill today. 469,000 Fed. 181,000-CA. I already paid 24,000 in corp tax. Now of course you are thinking....well.....that means you must have quite a bit of money right? Well no. I did zero tax planning, and relied on my controller and tax professionals, who really let me down (didn't even make quarterly payments this year for the first time in a decade). I take responsibility for this, and need to take control. But this is a massive number. I am not currently employed, and have maybe 50K in cash. We do own an investment property outright, and some other private investments that are fairly high risk, but should pan out in a few years or more (including a 7 year RE mutual fund). So I suppose what I am asking is for any advise on how to try to mitigate some of this tax burden after the fact. We have always played 100% by the rules, paid more than our fair share, and this number is just daunting. I don't know if i should be starting to think about moving things out of my name and declaring bankruptcy, or moving assets out of my name, living on a shoestring and trying to make a settlement offer in a couple years......or what. Any advise, help, or reading and research suggestions are welcome. thanks for reading. Edit: Clarified numbers and corrected spelling. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| What to do with my car while traveling for ~6 months Posted: 28 Nov 2017 03:22 PM PST Helloooo! I will be traveling internationally for approximately 6 months in the near future and don't know what the best option is for my car during that time. A few years ago, I bought a 2012 Honda, and have stuck with it despite a lot of second thoughts due to the price (about 250 per month plus 100 for insurance). I know it is a good car, a good investment in the long run, but also I've had many "driving" jobs so it is getting up around 170,000 miles. **edit: it is actually at 140,000 right now. Now the plan is to backpack around various places for about 6 months, and I don't like the idea of paying 350 a month for a car that is sitting somewhere. This money could be used for so many other things. I'm not finished paying it off yet, but by the time I leave it will have just under $5,000 left on it. I'm not sure if I should sell it to pay it off, or use one of those websites where they rent out your car while you're gone so you can earn money (Turo?). That makes me nervous... strangers using my car for a half year. I will need a car when I get back pretty quickly. Not sure if selling it would waste the last few years of investment or if it's worth it to cut that cost for a while. Halp. Any tips or ideas would be greatly appreciated. I've got some time to figure it out but it stresses me out to think about it. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| So what’s the deal with bitcoins Posted: 28 Nov 2017 06:58 PM PST I see everywhere that bitcoin are the future. However, I usually go by the rule that if an investment has to be advertised, it's generally not a good investment. What are your guys' two cents on bitcoins? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 01:26 PM PST Hey this is my first post on a throw away. Story goes like this. I checked my mail for the first time in like two months. My brother ( he lives with me ) had two pieces or so. One of the pieces of mail was a first class priority mail envelope. Inside the envelope was a check for $2550. The check was from some real estate company in another state, run through UMB Bank. It was also dated for about the end of August. He went to the bank today. The bank took the check. They supposedly called the other bank as it's the largest deposit to his account by a fair amount. He pulled out some of the cash and the rest is currently " pending " in his account. I can't recall any sort of settlement that he would be getting a check from. He has rented one apartment in his name, but the deposit was no where near that. I'm concerned this maybe a scam or come back and bite him in the butt. Any advice or experiences people can shine on this would be appreciated [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| [UPDATE] We have 2 years to dig ourselves out of this hole. Posted: 28 Nov 2017 10:27 AM PST My original post from yesterday can be found here. So it was very hard to keep up with all the comments and replies, but I read through every word you all contributed. It was hard at times as some were telling me to attack credit cards first while others told me to attack the car situation first, but I came up with a plan with my Wife last night. We beat our brains thinking of every single possible expense that comes out throughout the year; haircuts, property taxes, car maintenance, etc. etc. and divided it by 12 to turn it all into one monthly expense. So we have all of that auto-drafting into another account each month, as well as a small ($75) amount for savings each month being auto-drafted into our currently empty savings account. I put all my bills on auto-draft and changed one of my credit card monthly payments to double what the minimum monthly payment is. All extra income will go to credit cards. As we pay off credit cards we will continue to compound the payments onto other cards until they're paid off (can't remember if this is snowball or avalanche). As far as the cars go, we will be headed to CarMax this weekend or next to look into selling the lease ($569 a month) for something far more affordable. We still owe 33k on it and trade-in value is right around 31k. As far as my car goes ($450 a month), I still owe 13k and trade-in is right around 10k, so I'll see if we can get something more affordable there, but with being only 2 years until payoff, it might be worth it to throw some extra money at it every month and just grit my teeth until it's paid off. So I just wanted to thank everyone who had something constructive to add. You guys really helped and I'm very excited to get on track with everything. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BF with student loans wants to move into new apartment, not sure if fiscally responsible Posted: 28 Nov 2017 02:10 PM PST So my boyfriend graduated from college this past May and is in a relatively HCOL* area. Previously, he found a room in a house, all-inclusive of utilities, etc. for $750/month. However, after his 6 month lease is up, he wants to move into his own 1 bedroom apartment for $1037/month His roommates/landlord in his current location are admittedly pretty awful- playing loud music/having guests over at all hours and maintaining stringent rules. Its obvious that they are not a good fit, so moving out is non-negotiable at this point. He planned on moving in with a friend, but the friend ducked out at the last minute. He has his heart set on finally living alone, after spending the past 5 years living with roomies. The only stickler is that he has a ton of student loans (around $70,000), so he is not sure if he can afford to. He is fiscally responsible, and is paying the minimums on all except towards highest interest rate. Here are his cost breakdowns: Income post-tax and post-401k: $1700 (bi-weekly) [~3400 (month)] Student Loan Payments: $1500 (per month) New Rent: $1037/month Electricity: $50/month (estimated) Internet: $50/month (estimated) Water: $14/month (locked-in rate) Car Insurance: $110/month Savings: $120/paycheck (~240 month) Gas (Car): $50/month Luckily, he does not have a car payment and his family supports his phone payment on a family-plan. He has a savings account with about $4k in it and is contributing 8% of his income (up to match) for retirement in a 401k. This leaves him $349/month leftover for everything else: like his food, entertainment, traveling to see me (I live a few hours away, darn-it!), etc. Is moving into this apartment a financially responsible decision? *boyfriend made me edit this after politely informing me that he is actually in a high cost of living area, not low. Guess everything just seems like LCOL compared to where I currently am! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 05:08 PM PST Hey guys, what's up! Let's get right down to it. I just started my first job out of college in October making $60,000 a year. Today, I took a look at the loans I would have to pay off and found that student loans really are insane. I need some help figuring out how to budget with this new payment every month and how to knock them out as quick as possible given my current monthly payments (utilities, car payment, groceries, etc.). I am going to provide a table detailing my student loans and a look at my current budget to figure out how I could fit in these student loans and pay as much as possible, as well as targeting certain loans. I'm not sure if some are better to target first over others. The data below is taken from the MyFedLoan Servicing website and a "How Long Will It Take" Student Loan calculator that I found with a quick google search. Time Estimated and Total Interest Accrued are estimates based on the data from MyFedLoan.
Below is a table regarding my budget. I'm currently living with my boyfriend and splitting utilities, rent, groceries, etc. In my budget, I have taken this into account.
I currently have $1,100 in savings, built up from the four or five paychecks that I've gotten so far. I'm putting 20% of every paycheck into a savings account currently. In addition to these student loans, I currently have a credit card balance of $1,497.11 at an interest rate of about 21% with a credit line of $1,500. I'm making the minimum payments towards that right now, at $47.00. I'm currently contributing to both a ROTH and traditional 401(k) because my employer matches both. How much can I add to my student loan payment? How much should I add? Thank you guys for the help in advance, I'm sort of freaking out right now because I am seeing how much I could possibly pay in interest and it is completely bogus. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Best way to provide for kids if I die suddenly? (Odds are I’m going to) Posted: 28 Nov 2017 05:32 AM PST Looking for suggestions please. I am 49. US resident. I somehow managed to make it this far without knowing that I have a genetic disorder that means I must realistically plan for the possibility of not making it past 53, or even getting to 53. Obviously I'm hoping to roll lucky dice on that, but in the meantime here's my question: As a lifetime single parent I took a lot of 1099 work. I don't own real estate. No 401k or IRA. Zero savings now because I haven't worked since June 30th as one symptom is narcolepsy & it's kicking my ass. I have two children, one under 18. I'm betting life insurance won't touch me now. If we imagine that I resolve my income situation favorably soon, what financial vehicle can I use to RAPIDLY create some sort of tiny nest egg for the kids? I also owe back taxes so I need it to be protected in that regard. Impossible request I know, but any input would be welcomed. If I am wrong about the life insurance, please let me know. I don't need to plan for hospice etc., as my exit will be sudden if it does happen. TIA. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| How do we get the most back in taxes? Posted: 28 Nov 2017 06:57 PM PST Guys, need some help, My SO and I are trying to figure out how we can maximize out tax return this year. Our situation, We are engaged and decided that a formal ceremony doesn't matter to us, so it gives us the freedom to get married tomorrow if we decide to. we have 1 child together(7 mo old) and my SO has a 7 year old. I make ~75k a year(65k after my pretax pension contributions) and she took half the year off and has made ~6k this year. I am a homeowner that has ~9k in deductions from my mortgage and another ~2k in other deductions. Would we receive a better income tax return if we: 1- Got married before Jan 1,2018 and filed a married return 2- I filed Head of household and claimed our child we have together, and she filed single plus her child? 3- I filed single and no child and she filed head of household(if she is able to i am not sure) and claimed both of the children. 4- any other option I have not thought of. I am sorry if me asking this sounds like a scumbag move, being a young family any money we can get back is major. Thanks in advance! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Question about HDHP w/HSA and PPO Double Coverage Posted: 28 Nov 2017 04:10 PM PST Got married in June of this year. I have a PPO Health plan with my employer, my wife has an HDHP w/HSA. We thought it would be a good idea to double coverage each other because mine works better in the state we live in and she has better nationwide coverage. We travel a lot so the plan seemed good at the time. We conferred with her HR department and they told her everything was good so we went forward and added each other to our respective plans. fast forward to today and we come to find out that in order to qualify for an HSA you cannot be covered by multiple plans. My question to you guys is this: What happens to her HSA now? Is it totally forfeited? She doesn't contribute to it at all, her company throws about $100/month to it. She has a balance of around $3,500 in it. Does she have to give back her company's contributions? Is there a tax penalty? Her HR department is completely useless, they told her it would be okay and now it seems like she's going to get a huge tax penalty come April. Any insights would be helpful. I talked with my aunt who is a CPA and she's not sure what to do, she's never seen this situation before. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 26 years old. Student loans vs retirement strategizing/planning help! Posted: 28 Nov 2017 05:03 PM PST Hello everyone! I'm looking for advice on how to use my expendable income after all my bills are paid (student loans vs 401k vs short-term savings). My major short-term savings goals (< 3 years) are saving for a wedding and a house. I am 26 years old making $105,000 USD (salary). I also have a per diem job. My take home after taxes approximately $7,000 a month. My company does NOT do a 401k match until I've been with them for 6 years. MONTHLY EXPENSES 0 rent (live with fiance's family) 2000 student loans ($1850 minimum on 160k in loans for a 10-year payment plan. Average interest rate 6.5%) 1600 wedding payment plan 100 cell phone 100 groceries 380 car (lease+insurance) 75 gas This equals 4,255 per month Any of my extra money has been sitting in my checkings/savings or contributing towards my loans. I have no credit card debt. I have already saved an emergency fund of approx. 10k. My fiance (90k salary) also has approximately $140,000 of student loans with a similar interest rate as I do. I hope to have saved 20% to avoid paying PMI down the road whenever it is I buy a house (maybe 3 years?) I live in a high COL area and will likely need approximately $100k to put down 20% on a somewhat decent home. I'm looking for advice on what to do with me and my fiance's income. While I feel fortunate to have the income I do, my student loans take up approximately 30% of my monthly income depending on the month. The above expenses do not include any "fun" money, such as vacations or gifts or dinners, etc. Would it be wiser to attempt to max out my 401k now or tackle my student loans and try to get them paid as quickly as possible? Or do a bit of both and do some sort of hybrid game plan? I'm having trouble figuring out the best strategy in being able to save for the short-term all while paying my bills and planning for my future. I do not want to fall behind on retirement so I wanted to reach out to you experts. Thanks all! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| High debt-to-income ratio due to student loans Posted: 28 Nov 2017 11:21 AM PST Hi! I'm looking to open my first credit card. I currently have a lot of student loans under my social security and it's hurting my chances of getting approved for a credit card. It's been stated that my debt-to-income ratio is too high. I pay my loans on time so my credit score is pretty good. How can I open a credit card under this and which credit cards should I opt for? Thank you! Update: Applied for the Capital One Quicksilver card and was approved! Thank you to everyone that commented!! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Help with Health Insurance evaluation Posted: 28 Nov 2017 06:07 PM PST I changed jobs recently and went from a company where I had two healthcare plan options (identical plans in terms of costs and coverage, just different providers) to a company with one provider but 4 plans of varying coverage/costs. The deductible options and bi-weekly premiums available are $2850/$9, $1850/$17.75, $800/$41.75, and $350/$81.25. The two high deductible options are also eligible for a HSA which I'm guaranteed $1000/$500, respectively, worth of contribution from the company. A more extensive breakdown, analysis, and comparison of various scenarios can be found at the image linked below: https://i.imgur.com/917v4qh.png The 5 scenarios are a combination of actual scenarios I've experienced and some theoretical scenarios to demonstrate differences in the plans. As far as I can tell the $2850 plan is my best bet unless I undergo surgery or have some other major procedure done in which case the $1850 plan is the best in most situations. Does anyone have any thoughts/questions/comments? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 01:49 PM PST Like many of you, I placed a freeze on my equifax credit file back in September and received a PIN to unfreeze it at a later date. Well, I called equifax yesterday to do just that and lo and behold they were unable to lift the freeze with the info I provided, and asked me to mail or fax them a copy of my driver's license and social security card. Given their history with security, I'm not entirely comfortable sending them even more sensitive personal information. Frankly, I was under the impression that sending copies of your social security card was bad practice in general. Has anyone successfully dealt with equifax's system and can share advice? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| My mate keeps buying cars even though he is £9000 in debt, I need help Posted: 28 Nov 2017 04:00 PM PST You may have seen my plea for help in the Cars subreddit, but please help me to help my friend My friend Dave is in £9000 debt from gambling and buying cars. He is convinced he can buy cars and sell them for more money. He has bought a 2006 Honda Jazz, and wants to put a Porsche engine into it. I said to him 'Dave, why not use that money to pay off your debts instead?' But he doesn't listen and buys more cars I have told his wife and she is in despair. She cannot cope much longer. He is not paying the £9000 off and is convinced he can sell the Honda for more money with the Porsche engine, but I said to him 'Dave, that isnt how it works' but he ignores me. How do I get him to realise he needs to get his finances under control before he ruins his life further? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Great episode of the Freakonomics podcast on passive vs. active investing, with John Bogle as guest Posted: 28 Nov 2017 07:37 PM PST Thought you guys might be interested in this! If you've never checked out Freakonomics radio, it's one of my favorite podcasts, definitely worth a listen. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 28 Nov 2017 07:39 AM PST I was in nursing school and applied for the Navy's Nursing Candiate Program. I was accepted my Junior year and was give a 10K bonus that was split up between 2 5K checks six months apart and a monthly stipend of 1K until graduation. I graduated but was not cleared medically because of a torn labrum and they required that I get surgery so that I could be cleared. I received the surgery days after my graduation in May of 2016. I had kept contact with my supervisor during the rehab period and while studying for the NCLEX to get my license. I was told however in roughly october of last year, that I would not be cleared to join and would be discharged. I asked them about the stipend that I would obviously have to repay and my supervisor stated that someone would reach out to me. No one reached out to me for about two months and so I called again and got the same answer so I've been waiting. In the mean time, I've passed my NCLEX and have been working at my job for almost 8 months now and love it. However, the Navy stays in the back of my mind. Every time I talk to my mother about it she says to hold off and they will call me. She said they will probably call in february when it is tax season. I however want to be a little more proactive. Should I call or am I ok just waiting for them to reach out to me? [link] [comments]  |
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