- My job neglected to pay me for 2 pay cycles. Help is sorely needed to hit the company in the wallet and to get my checks sent to me. They ruined my Christmas and birthday (which is today). I’m at wits end.
- If you already have financing lined up for a car, DON'T give the car dealership your social security number.
- My Former Employer Just Sent Me a Bill for $116 for Vacation Hours I was Paid but Had Not Yet "Accrued"
- Read "Rich Dad, Poor Dad" and "Set for Life". Any other good reading?
- My credit card number was hijacked and used at Smoothie King for $200. What's the logic in using a stolen card number at a Smoothie King?
- Advice for starting college fund for my girlfriends niece without any of her family having access to the money.
- Logging Off & Finding Balance
- Overhauled our finances and created a budget. I'm happy with it, but want feedback.
- Company will now be forced to give overtime pay starting 2018. Is there any way I can get retro-pay for years of working up to 90hours a week?
- Bank involuntarily closed my account because of a fraudulent check and negatively reported me to ChexSystems.
- Ethical banks to put my money in?
- I feel as though my parents are not telling me the whole truth of my college financial situation.
- Turning 18 in one month
- Recovering from debt: Credit score from 410 (Jan 2017) to 558 (Dec2017)
- Mother had a stroke, live alone with brother.
- Please critique
- Cloud-based Quicken Alternative for my needs?
- Requesting Credit line increase
- Need some help getting out of the home. No car, Very little income.
- (31/M) It's been 3 years since I first put money in a 401k
- Need advice on my retirement check
- How should I invest $3000 dollars as a 18 year old?
- Do I cash out or keep my property in Argentina?
- Picking a credit card to build credit
| Posted: 30 Dec 2017 04:24 PM PST Sorry for the confusion, I work for Advantage Solutions, it's a company that sams club allows in the club to sample their products out to customers. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 01:34 AM PST Car dealerships are often very sleazy. One of the tricks that's been attempted on me and relatives is the dealership stating that they need your social security number to complete a sale if you have your own financing. This is not true. The IRS rules on transactions over 10k are for cash transactions not bank checks. They are trying to get your social security number to run a credit report on you so that they can come back and try to talk you out of your own financing. This credit pull has the potential to lower your credit score depending on your circumstances. I buy used, my CU has better rates than dealerships plus I'd rather deal with my CU over whatever financing the dealership has. Just wanted to give everyone a heads up because it's something to be added to the long list of things to look out for when buying a car. Edit: Where are people possibly getting that I'm saying a CU will always beat a dealership? I said my CU can beat the dealership. Additionally for the 100th time in the thread you do NOT need a SSN for OFAC. Edit3: thanks to /u/helper543 for pointing out this OFAC scam last month. The fact that so many self described car salesman say you do shows just how pervasive the training they get to garner your SSN. There are apparently some states that require a SSN for titling but those are the minority of states, most only require a drivers license. Edit2: For the people saying "The dealership would never run your credit without your explicit permission" please read the dozens of replies where other people have said this happened to them. Advocating being cavalier with your SSN is terrible advice. Beyond negative effects on credit (which I admit may only happen in certain circumstances) giving your SSN out to people that do not legally need it is terrible advice. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 12:54 PM PST My last day with my former Employer was December 2nd, 2017. I gave them my 2 weeks before that, but already scheduled off for Thanksgiving week, so I was off for a week during my 2 weeks. Today, I received a bill from my Employer saying I owe the company $116.07 in vacation earnings for vacation hours you were paid but that you had not yet accrued. Due to NYS law, we were not able to take it from your final paycheck. Basically, they are saying that since I didn't work the month of December, I lost out on a vacation day, and since I used all my vacation days before leaving, that I have to give them the money. Does anyone know the laws around this? Do I have to pay them? What happens if I don't? Letter is attached - https://i.imgur.com/gpOJdzQ.jpg [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Read "Rich Dad, Poor Dad" and "Set for Life". Any other good reading? Posted: 30 Dec 2017 03:53 PM PST Really enjoyed them and they made me question of a lot of things. People with big houses/nice cars they can't afford aren't cool anymore, haha. Noticed the books both kind of said the same thing though. Any others worth reading? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 07:05 PM PST My credit card company notified me immediately and asked if it was an authorized transaction. They promptly canceled the card. I still have the card in my possession so I'm not even sure how they got it to process. Maybe they picked up the number from an online transaction or restaurant and then fabricated a fake with a strip instead of the chip? Also, why a Smoothie King and what did they buy for $200?!? Maybe they were trying for gift cards or one of those tubs of protein and then possibly a cash return?? I'm only guessing....I'm confused by their actions.... [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 02:25 PM PST First off, I have no idea how college funds work so excuse my ignorance. I never had one and neither did anyone else I know. My girlfriend and I would like to start a college fund for her niece. She's 7 years old. Her parents are complete losers. Didn't graduate high school, have zero ambition to improve themselves, and they even take money out of their daughters piggy bank without saying anything. They also impulsively got a cat recently and make their 7 year old daughter pay for food and litter. So as you can imagine, she's not going to receive much assistance in life. My girlfriend and I both guide her and we believe she has the chance to be succcessful since she enjoys school and receives good grades, but we'd like to help her out as much as possible financially since she won't be getting it anywhere else. My girlfriend and I make decent money now and I have a high earnings potential. We want to start saving for it now but I know my girlfriends sister and other family members would feel entitled to the money. Hell, they already feel entitled to the money my girlfriend earns. This would create a problem. If we gave her the money in the future I'm sure her mother (my girlfriends sister) would try demanding some or guilting her into giving her some. Advice would be appreciated. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 06:46 PM PST Logging Off and Finding BalanceThe world is evolving in a way that it is now incredibly easy to share your story with others. On any social media platform, we typically view other's successes. Whether it is a new job, a new car, or a new watch, we witness it all. Comparing these observations to my current situation has created a desire within me to change my life. This Is My StoryEver since I was in Elementary School, computers have always been apart of my life. I would wake up early on Saturdays and Sundays, start up my family's Gateway computer, and put either my Age of Mythology or Roller Coaster Tycoon CD-ROM inside. I would go into spreadsheets and create lists to track the different type of train cars or Pokémon cards I collected. I enjoyed the experiences that computers provided me. Throughout Middle School, High School, and College, the trend continued and I always used computers. While obtaining my education, I primarily used computers to play video games. My friends and I would play Call of Duty, Grand Theft Auto, or World of Warcraft in the evenings. It was something we enjoyed to do, together. As the years went by, we slowly went our separate ways. Eventually, I became the only one that still plays video games to this day. I enjoy the time I spend playing video games. It allows to hide from the mindless consumer spending I observe on a daily basis. It allows me to escape and decompress after work. I have built new relationships with other people. This has all brought some level of happiness into my life. However, my desire to achieve more has made me realize that I may need to log off soon. I am now twenty-five years old and beginning my third-year as a financial analyst for a small, private company in my hometown. I think things have gone relatively well for me. However, there is one statistic in my life that I need to improve. Since 2007, I have spent over 365 days playing one single video game. Yes, that is over one year. Another way to put it is, I have spent 1/10th of a decade playing one single video game. I enjoyed immersing myself in the lore, the challenges, and the relationships I created while on this journey. While others in my real-life friend groups went out on Friday or Saturday nights to bars or clubs, I enjoyed saving some money and staying in for the night. I am frugal with the money I earn. I always have been. Video games provided me an outlet to maintain a level of happiness in my life that cost significantly less than other options my friends chose. But, sometime within the past three years, this small dissatisfaction inside of me has grown. I have recognized that this dissatisfaction stems from my video gaming habits. The Times Are Changin'When I am at work, I am analyzing my employer's profitability. In my free time, I am researching different methods to increase my profitability in video games. I enjoy both. However, the one thing I have failed to address is my own personal profitability. My extra effort at work has earned me a five percent raise the past two years, along with several thousand dollars in bonus pay. Even my efforts in farming video game currencies have been somewhat rewarding. Within the past three years, I have acquired nearly $3,000 in one video game currency that I was able to easily sell. But, this took a lot of time. On weeknights, I played around three hours, on average. Over the weekends, I played around twelve hours, on average. Per week, that is twenty-seven hours, on average. Another way to look at it is that I spent over one day per week playing a video game, on average. That is a significant amount of time for a "side hustle" that only earned me $1,000/year. There have been times when I recognized that it would be better to allocate my time differently. I knew I needed to spend less time on video games and focus on something in my real-life. I would focus on studying or projects at work, but once those were complete, I would immediately shift my focus back to video games. It has been my natural escape. Recently, I have viewed my video gaming habits in a negative manner. I now look at it as a lost cause. But, for some reason, it is so hard to simply cut my losses. It is so easy to say, yet so hard to act upon. I like to think that someday all this time I have spent playing video games will provide me a magnificent reward. But that is just a dream and not reality. I know it is cliché to make this my New Year's resolution, but it was not intended. I want to write this story. I want to read it. I want to understand it. I want others to read it. But most importantly, I want to use this story as a new beginning. I just so happened to do it on December 31st. By writing my story and putting it all on a screen in front of me, it became easier to analyze my video gaming habits and what actions I need to take. The Road AheadOnce I post this article, I will official log off from the video games I play. Since graduating college, I have been fortunate enough to live at home with my parents to save more income. I have roughly $60,000 in my savings account. I have put $12,000 into my 401(k). The only debt I have is my student loans. I still have $20,000 to pay on my school loans, but that is easily manageable. One of my highest priorities is now to purchase a duplex near my work. Rather than spend twelve hours per weekend playing video games, I will go house hunting and attempt to learn more about the process of not only buying a home, but also renting a portion of it out. My commute to work takes one hour. This move should allow me to reduce my car maintenance and gas costs significantly. I spend $200/month on gas to get to and from work. It will be nice to see that number be reduced. Some of my other priorities include creating a new side hustle and paying off the remainder of my student loans. It was so easy for me to spend hours researching new methods to earn money in video games. I hope I can use that dedication to create new revenue streams in my own life. It will be a challenge to stay disciplined once I remove video games from my life. Change is not easy. I might be more inclined now to go out after work with friends to happy hour or eat dinner at a restaurant on Friday evening because I do not have to go home and farm a video game currency. But, I need to remember; I made this change to make my life better. It took me years to reach this point. Obviously, it would have been more beneficial to me if I made this decision earlier, but at least I reached a point where I am now able to identify the problem and resolve it. While my video game quests may be over, my quest for financial independence is now at the forefront and I hope to one day complete it. All the best and Happy New Year. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overhauled our finances and created a budget. I'm happy with it, but want feedback. Posted: 30 Dec 2017 06:17 PM PST So my wife and I have struggled with credit cards over the years and always knew that we should do something about it, but never really actually did. However, we finally took charge of it and got a consolidation loan and got rid of our credit cards, as well as made a lot of other improvements to our finances and budget. We got an extra checking account to store money specifically for expenses, which has made a huge difference. Before, we just had one account where all of our money went into, and it made it difficult to know what was discretionary and what wasn't. Here's our current situation: We bring in ~$6,200 in take-home income per month (and this is after 401K contributions). Here's what our expenses look like:
We've also budgeted for regular purchases (which includes some luxuries that we want to keep):
After all is said and done, that leaves us with ~$1,700 per month on complete discretionary spending, like going out to eat, the movies, other random luxuries, etc. Anything leftover gets put into our loans and/or savings, depending on whether or not our emergency fund is low at that point. Would love to hear your thoughts and whether or not we're on the right track. Maybe we're completely missing something? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 05:52 PM PST I have been working for a theme park as a "Seasonal Employee" since 2012. I started in high school and got moved from one department to another as I gained experience and started going to college. I'm now a welder/technician and our small group of about six technicians do an incredible amount of work around the park. Often times when transitioning from one season to the next we work up to 90 and sometimes 100 hours a week. Never receiving any type of overtime pay or compensation. We have asked for years why there is no option to get overtime and we always receive the same answer: "You are a Seasonal Employee" and therefore cannot get overtime. Even though my fellow technicians and I work year-round and and are only "terminated" for 4hours in January in order to (I guess) keep the statement that we are Seasonal true. Just this week we heard news that our corporation got into some trouble with everyone from the IRS to OSHA and starting in January everyone, including Seasonal Employees, will now have to receive time-and-a-half pay for anything more than 40 hours. My friends and I have suspicions about what caused the big corporate decision, and think that maybe someone reported them to the IRS. Everyone in upper management is staying very hush-hush about all of this and not giving a reason for the change. Do you think I have any way to make a report to the Department of Labor about my years of getting overworked? I live in Texas if that helps at all. Thank you for any advice and help! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 05:12 AM PST Location: Seattle, WA Back in July, I opened a new account with KeyBank. In August I deposited a cashier's check I had received from craigslist sale. Unfortunately, at the time of deposit, I was not aware that the check was fraudulent. I deposited the check inside the branch with a teller. The teller did not inform me there was anything suspicious with the check and continued with the transaction. He did have to step away to speak with his manager (and took the check with him) but he did not mention anything being wrong with the check. When the deposit was finished he informed me that $100 was made available and the rest would deposit the following day. It wasn't until the following week that I noticed something was wrong. I tried to make a deposit at the ATM but it kept rejecting my deposit, so I went into the branch where I found out that a) a block was placed on my account b) the rest of the funds never deposited and c) the initial $100 deposit was reversed. I spoke with a branch manager who spoke with the bank's fraud department and confirmed a hold was placed on my account due to suspicious activity. According to him, the cashier's check came back NFA. I explained I wasn't aware that cashier's checks could bounce (supposedly, according to him, cashier's check aren't guaranteed funds?) and discovered I was the victim of a craigslist check fraud scam. He said there was a hold while the bank investigated. He said that I should receive a letter in the mail with a copy of the returned check but that he was going to personally look into it to get it cleared up that he would call me back with the results. I never heard back from the branch manager but I did receive a letter informing me that KeyBank had decided to longer continue doing business with me, was closing my account due to fraudulent activity and that I would be receiving a check in the mail for the remaining balance of my account. Since I wasn't sure if I would be keeping the account (I ended up going with Wells Fargo) I just let it go. It wasn't until October when I was being added to a business account with a credit union, that I discovered that KeyBank has submitted a negative report to ChexSystems, resulting in me getting denied. Fast forward to mid-October where I'm joining a credit union so I can be added to a business account as an authorized agent, and I was denied due to a black mark on my ChexSystems Report. The Credit Union explains to me that a negative report had been submitted from KeyBank. What are my options for fighting this? I had called and spoken with a branch specialist who informed me that this apparently standard procedure to report all returned/fraudulent checks and there was nothing they could do to remove it. However, I don't understand why I have to be penalized when I wasn't the one who wrote the check. Is there any recourse available for those who are a victim of check fraud? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Ethical banks to put my money in? Posted: 30 Dec 2017 11:28 AM PST What banks have a good reputation? I have been with Wells Fargo for my entire adult life, with their unethical practices and plain stealing from customers, I want to bank with a company that respects people's money. How do I find out how credible my local credit unions are? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| I feel as though my parents are not telling me the whole truth of my college financial situation. Posted: 30 Dec 2017 05:51 PM PST Okay, so I am currently 18 finishing my final year at community college, then transferring out to a 4 year school. I have made some mistakes with the dual enrollment program I am in and I am currently paying that off with my own personal money from work and gifts. But, when I had my Open House this past June, I was only able to tally my money up, and since then, I have not been allowed to see a single dime of it. This was about $1,200, they said it went into savings. The thing that has me scared, is that my sister and I were put on a 529 Plan together, by my grandmother and grandfather, given to us roughly 16 years ago, with a starting amount of 5k$ each. She was able to get a bachelors degree 2 years ago without paying any out of pocket with no scholarships. I am now being told that I have to find a way to pay for my tuition coming up. Is there anyway that they could be required to show me my account to see how much I have to cover school expenses? I'm not sure if it was me being paranoid, but I feel that when I was younger (sophomore year)about to join dual enrollment, that they had mentioned that this would make it so I COULD go to college. All of this has me scared because they try to control my finances and threatened to kick me out when I tried to invest in stocks for later on, stating that I do not have the money for that. So, is there a way I can view my 529 plan, and worst comes to worst, what do I do if they used it all on my sister? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 05:48 PM PST I turn 18 in one month, I want to have the best credit possible so are there any tips or recommendations for starting out? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Recovering from debt: Credit score from 410 (Jan 2017) to 558 (Dec2017) Posted: 30 Dec 2017 05:01 AM PST 23, female, single, no rent to pay— making ~$2000/mo Hey everyone. I recently discovered reddit (I'm late to the game, I know!) And I'm beyond happy I found this page. I need your advice on my situation. I'll give you a summary of my current place & finances/debts. Please give me any advice on how to properly manage my debt. Specifically, the student loans & how to handle my court order from Capital One! I know the collections I can have paid in about 4 months. Thank you in advance! So here's the quick summary: 2012-2014 I had near perfect credit. 775 to be exact. I had a $300 credit card I used for groceries in college and would pay it right away. Come 2015. I bought a car and the dealership took my SSN and ran about 30 hard inquiries on my report. I also now had two more CC, one for $500 (REI/US bank) & $1000 (capital one). I was working 4 PT jobs to pay rent, my car payment & basic necessities. Had a bad rough patch. Lost main source of income. Never paid cards. Accumulated more Student loan debt as well after taking the TERRIBLE advice from an upperclassman to "take out a larger loan for living expenses. So here's what happened. From 2015-17 my score dropped to 410. ——————— Here's what is included in my debts: Currently in collections from T-Mobile, USbank, as well as smaller debts: $3000 Capitol One is taking me to court in March for my debt of $1200. (PLEASE PLEASE tell me how to avoid this, I want to just settle and pay it in full!) Private and federal student loans: $60k & $27k (went to a private school, another terrible choice) I was about 10 credits short of graduating & my college wouldn't let me complete my bachelors because I refuse to take out ANOTHER student loan. So add to the tab, $26k I owe in back tuition for last year. Finally, my car loan. I owe $10k. It's a lot. I'm drowning in it. I couldn't find employment for over six months and worked any thankless job to pay my monthly bills so I wouldn't add collections. Doing this, and Selling things on OfferUp allowed me to pay my bills and helped raise it the 100+ points. (Phew) USAA: $700 breakdown: I was given a bad check for $1000. I put it into savings, but had to spend it for bills. Once it came back a bad check, USAA took the amount of check out and put my accounts on hold. I paid it down to 700 but should also note I need to pay within 40 days and it's been 12). —- in meantime opened a credit union account and all paychecks will be deposited here. So here's my current bills: Car payment: $180 (I've been paying more when I can) Phone : $100 Car insurance: $140 Gym: $20 I've stopped eating out. I don't buy anything unless it's car maintenance. And I don't have to pay rent since I moved back in with my parents. I got a retail job that pays $2000 a month give or take until I can find something more serious. So please tell me: how do I get a grip on this debt. Everyone jokes about it like "oh we're all gonna be in car/house/student loan debt forever" and I REFUSE. Goal is to at least pay off my car and all small debts this year. Is it possible? Last two questions: Can I get the student loans deferred more if I plan to finish up school at a public college if I can qualify for aid? Also, I don't have a credit card. At all. I wanted to save and get a $5k limit one from USAA (the kind where you make the initial deposit) is this a good idea? I know this was long, but hopefully not too confusing. Thank you in advance!!!!' [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Mother had a stroke, live alone with brother. Posted: 30 Dec 2017 03:14 PM PST I'm trying to be brief, my mother just had a massive stroke. The outcome is not going to be okay. Dr's estimate she has a few days. I'm very nervous and scared. She has a 401k, she worked full time. I need to be briefed on steps I should take first, calling her company, calling 401k me and brother are beneficiaries. We lost our dad as well I'm 28 brother is 23. I believe my mom received pension from my dad. Her bank account has our names, the 401k has it as well. But the house does not.the mortgage is 2k per month, I'm scared we will lose the house or not get any funds from selling it. She has about 100-150k in the401k. Should I use it to start a down payment on a smaller house, should I get an apartment with my brother. We both work. I was gona start school and already got fasfa to cover is there anyway the money cam be refunded. . What type of lawyer should i get and do any do probono for situstions like this I'll try to answer anyone's questions best I can, i want this process to be smooth. It's really tough, I'll try to answer through edits on here. Sorry for the mess of a post. Any and all help is needed. We live in NJ. Edit she dosent have a written will. But I know she wants things divided between me and brother. I just don't know if I should sell the house the monthly payments is rough. Im scared to lose the house to government me and brother name is not in the mortgage. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 30 Dec 2017 06:36 PM PST 35m. Married w/6kids. Wife is stay at home mom/homeschools kids. See budget below... Gross wages. 4570 Gross rents. 1600 Va 10% pension. 133 Occasional overtime Credit card cash back(have never paid cc interest) Mortgage 2272.95 (owner occupied two family) P&i 1537.48 taxes 735.47 Electric 120 Electric (common areas) 12 Gas heat 75 Water (home)45 Water (tenant)45 Sewer 45 Trash 45 Comcast 50 Netflix 10 Amazon prime 9 Mobile phone 35 Groceries 365 Toiletries/cleaning products Auto gas 300 Auto insurance 33 Aaa 7 Registry fees 15 Auto inspection 6 Excise tax 14 Maintenance/repair (vehicles) 50 Life insurance 38 Savings 50 Savings/investments: Federal employee with potential for small pension at 57 Tsp(aka401k) 10% w/5% match,allocation 100% c fund (comparable to s&p index) Roth IRA (vanguard vtsax) maxed/yr 2nd Roth IRA (vanguard vtsax) 4100/yr Emergency fund (ibonds) 20k Rental property cash reserve (ibonds) 25k Home equity. 85,678 Only debt is mortgage. Want to retire early. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cloud-based Quicken Alternative for my needs? Posted: 30 Dec 2017 06:30 PM PST As the title suggests, I'm looking for something to replace Quicken, preferably cloud-based so I can access it anywhere. I know mint.com is a thing but here's the thing: We use our PayPal card exclusively for the cash-back. The way I use Quicken is I come home daily and enter my transactions for the day. Because PayPal can take up to 3 days to withdrawl from my bank account, this keeps me conscious of exactly how much money I have day-to-day. I then sync from my bank account to match downloaded transactions to make sure I didn't miss anything (e.g. a withdrawl the wife made). Mint.com seems to want to do everything automatically. I can enter transactions but when I sync the account, it doesn't match them but instead just puts a second transaction. It seems to treat the manual transactions as something the bank didn't have listed. Is there anything cloud-based that will do this? Quicken's cloud sync and Android app are garbage. Thank you in advance! I'm sorry if it's confusing. Let me know if I need to clarify anything. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Requesting Credit line increase Posted: 30 Dec 2017 06:29 PM PST I am trying to better my credit score. I have a score of 680. I have 5 credit cards open. 3 with $0 balances. One that I use only has a $5,500 limit and I am using $5,200 of it. They emailed me saying I'm eligible for a credit line increase. Should I do that? I'm planning on buying a house within the next year so I'd only want to do it if it would increase my score. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Need some help getting out of the home. No car, Very little income. Posted: 30 Dec 2017 06:08 PM PST I am having some trouble deciding what my next steps should be. I have been apart of my parents family run business for the past many years, every since I have been a small child, (around 9). Here is the problem, My parents do not pay me to work here. I am 20 years old now and want a car and to move out and start my life. They say if I leave, I will be kicked out of the house. I have about $500 saved from tip money (I work in a restaurant). I have No car, and make around $100 a week from tips and I work full time. If i get another job I will be kicked out, however I don't have the funds for a car and don't have a drivers licence since I cannot afford a car to practice on. I have no education, since I was "home schooled" my whole life, so college is not really an option. Even if i got a car, i could not afford the insurance costs to get to work. I am confident I could get a minimum wage job working, since I have so much experience, but I need to know what my steps should be. Any help would be great. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| (31/M) It's been 3 years since I first put money in a 401k Posted: 30 Dec 2017 07:54 PM PST I am a 31 year old living in a Florida with no spouse or dependents. I work for a healthcare company in a corporate office. I graduated in 2012 with about $100k in student loans with no knowledge of personal finance beyond "Don't be in debt" and "Live below your means". For the first 2.5 years after graduation, I worked for employers that did not provide such benefits. I was hired by my current employer on October 1st, 2014. Per my company rules, I had to wait 3 months before I could participate in the 401(k). Therefore, I began participating in a 401(k) on January 1st, 2015. I figured this would be a good time to time a retrospective look with the financial markets being closed through New Year's. Below is a table of the running total in my 401(k) by quarter.
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| Need advice on my retirement check Posted: 30 Dec 2017 08:56 AM PST So just gave my two weeks at my job. I'm a college student. In two weeks I should receive my 401k check (around 2500). Obviously I'd love to cash it but seeing advice here I won't. I'm fully vested so that's good. I was wondering where you guys think I Should move my money and what to buy. The reason why I'm quitting is I'm heading into my last two years so I need to work less and focus on school. On my new job I'll barely make meet's end so I won't contribute until I graduate. I'm gonna be working minimum hours to survive, so can't open account at a place that requires me to keep contributing. Also something that might be relevant: like 100 of it is on traditional and the rest is Roth. This is because when I opened account on the side I noticed I was automatically enrolled in traditional. Should I just take the 100 to avoid complications? I don't wanna open two brokerage accounts. Can I just pay taxes on that and make it all Roth? Thx guys Any advice is appreciated Edit: Thank you everyone! I will do a rollover, possibly going with Schwab to avoid the annual fees Vanguard has for IRAs. Won't get a check [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| How should I invest $3000 dollars as a 18 year old? Posted: 30 Dec 2017 01:37 PM PST Hello everyone, I'm new to investing and I'm curious to what I can do with 2000 euro I received for importing stuff and selling. Any advice on what to do with 2000 would be very helpful. Thank you in advance. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Do I cash out or keep my property in Argentina? Posted: 30 Dec 2017 11:05 AM PST Through my family, I inherited a commercial property in Argentina (50% me, 50% my sister). I can potentially make $1500-2000 per month (my half) just through owning the property since my sister is using it and is willing to pay half rent to me. If not, my sister is considering buying me out and keeping the property at around $500,000 (the property is valued at around $1M). The question is: do I cash out or keep taking in the monthly income? Could I invest that $500K here in the US and end up better off? Please help, r/personalfinance. Thanks! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Picking a credit card to build credit Posted: 30 Dec 2017 07:14 PM PST Hey guys! I'm going to be tackling my debt - I figure I will put the small payments I can afford on a credit card and then immediately pay it back. Just one question- how do I pick a good one? I want good perks, no fee but I really don't know what I'm looking for beyond that and I'm getting overwhelmed. Point me the right way? [link] [comments]  |
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