Personal Finance Restaurant made a mistake and charged me $228 on a $19 bill. It's a reminder to monitor your accounts and keep your receipts. |
- Restaurant made a mistake and charged me $228 on a $19 bill. It's a reminder to monitor your accounts and keep your receipts.
- [UK]Mum died suddenly, need to learn to adult very fast
- It has been 6 days since Wells Fargo stole 2030$ out of my credit union checking account
- Has Anyone Successfully Had Their Loans Forgiven via the Public Service Loan Forgiveness Program Yet?
- ATTENTION Capital One Banking Customers: Capital One may have double posted some debits today. Check your account!
- [Support/Tech] How I went from $12/hour to $37.5/hour in 6 years with few marketable skills.
- Don't use every promotion you receive as an excuse to unreasonably upgrade your lifestyle. Instead, choose to save more!
- Gave my resignation for end of month. Company wants me to move my last day up on paper. Should I be concerned?
- Alliant bumps their savings rate from 1.25% to 1.3%
- Wells Fargo ACH withdrawal 3 years after account closure
- I have a student loan that is 100% in my mothers name, but I pay every cent towards it. Who claims it on their taxes?
- Found out this week that my parents did not pay our medical bills in college
- [Other] Did Capital One double anyone else's transactions?
- Where to save money for down payment?
- Didn't get a raise, title changed from Director to 'Head of.' Did I get shadow demoted?
- $120k in student loan debt. Continue school, take a contract job, or pursue other options?
- Price increases in the service industry (specifically hair stylists)
- advice needed for identity theft....
- [Employment] Yesterday my employer notified me that all work-from-home positions are being eliminated
- I had moved from MA to TX, I had excellent credit score before the move, I incurred 10k expenses on moves, I used my credit card to pay the movers, I paid off credit card company on time. my credit score went down 70 pts due to over utilization of credit, will I recover lost credit score soon?
- Should I cut my credit cards? Trying to protect myself from financially irresponsible and manipulative parent.
- (US) Am I really able to still make a Roth IRA contribution for both 2017 AND 2018 right now?
- Father passed away recently, not sure if he had life insurance or what investments he had. Where may I be able to find that?
| Posted: 03 Jan 2018 11:04 AM PST I went out to dinner on Saturday night. After splitting the check with my girlfriend, the bill came to $19. Used one of my credit cards, left a tip, kept my receipt and walked out. That charge had been pending until today where it posted as a $228 charge. It would have been easy enough to slip buy if I didn't check my accounts often, but I knew something was wrong right away. Called the restaurant, explained the situation, gave them the order number and table number, sent them a photo of my receipt and it's being corrected. So this is a friendly reminder to monitor your accounts and keep your receipts often! [link] [comments]  |
| [UK]Mum died suddenly, need to learn to adult very fast Posted: 03 Jan 2018 03:02 AM PST Mum died New Year's Day, what a way to start the year. Left her to sleep in, it being the holidays and all, she slipped into a diabetic hypo, rolled off the bed, got tangled in the bedding and suffocated. I slept through most the day and didn't find her until I got up just past midnight and noticed nothing had moved in the flat at all. At least that's what I presume happened by how I found her. Autopsy from the coroner's will verify that. But she paid literally the bills, rent, food, utilities, what have you. "Little" sister's (16) caring has been thrown into question, I'm jobless and have less than three digits in the bank. I've no qualifications due to not taking school and college seriously when younger (now 25) and a lack of motivation has led to me working only a couple brief stints since leaving school. I woke up, ate food, played games and such, went to bed and merely existed any time in between. Hardly a life of any sort. So far the only people to know of it are my dad (who had been invited over for New Year's), my nan and my little sister's nan and the landlord. I can't inform anyone else as all the numbers are on my mum's phone which I couldn't access due to not knowing her pin (her brother's birthday but I don't know that date) and the police having taken it along with her blood reader and meds, pending investigation. I have some limited access to her bank account through her card but I have no idea the state of her account. I know it to be at least over 15k simply because mum was having some work done in the back half of the house, floors laid and cupboards installed, and the costs of that were racking up. I guess that's a project to be left unfinished now? I don't know. Landlord gave me a phone number to a funeral directors and said to contact them, that they can offer advice but if that costs money at all, well I've got 30 quid myself and some unknown amount in my mum's account and I'm screwed beyond that. My dismally small world has been totally shattered and I haven't the faintest idea where to even begin to start trying to pick up the pieces. My sister still doesn't even know, being the rebellious independent type, she hasn't stopped by the flat since a day or two before New Year's. I've tried contacting her but haven't had a response and probably won't until she comes home looking to get some money from our now absent mum. also everywhere I look is my mum's little things that she got herself over the holidays and it fucking hurts to look around and see them [link] [comments]  |
| It has been 6 days since Wells Fargo stole 2030$ out of my credit union checking account Posted: 03 Jan 2018 10:05 AM PST On December 29th Wells Fargo used the account information at the bottom of my check to ACH transfer 758$ out of my account for my mortgage that I sent to my mortgager (not wells fargo) they used the same info at the bottom of my check to withdraw 2030$ out of my account. I did not consent for this to come out. After talking to my Mortgager, Wells Fargo, and my credit union, they all told me to patiently wait for 2 grand to come back. I have bills to pay. I had 1000$ in the account for a buffer but its all gone plus 1000$ in the negative. I have my direct deposit hitting on Friday (I cant change it at this point) and all it will do is bring my account back to 0$ People have told me not to use Checks but that is beside the point. I used a Check because I was only paying my mortgager once (they sold my loan). When I called Wells Fargo they told me they can't help me at all since I don't bank there. I have filed a claim with CFPB explain my situation. Is there ANYTHING I can do? I can't believe that banks can steal your money and it is just no big deal. They just ask you to patiently wait to get it back. Link for first thread: https://www.reddit.com/r/personalfinance/comments/7mzg5t/wells_fargo_used_my_check_for_my_mortgage_to/?utm_source=reddit-android EDIT: I just got a call from my Mortgager telling me that they have a check for me for the amount missing from my account. I have to sign a contract saying I will pay them back when/if WellsFargo finally Transfers the money back to my account. Thank you for all your replies. Here is the image the banks ran. Apparently this is all they need to take money from your account: just slap another check right under it. https://i.imgur.com/UIpQS8L.jpg [link] [comments]  |
| Posted: 03 Jan 2018 07:59 AM PST There was a post on here about a month ago with no solid answers. A google search only brings up horror stories of people who thought they qualified but didn't, and a few from last Sep/Oct talking about how the first wave of people in the program were about to apply for forgiveness. The news isn't so keen on publishing positive stories, go figure. I'm curious to hear whether or not anyone has actually had success with the forgiveness yet. Edit: Can we try to stay on topic here, rather than talking about qualifying or not qualifying or the details about the program? Edit 2: A quote from a comment on r/studenloans sheds some light on why we haven't heard anything yet. "The notification I received from FedLoan said that it would take at least 60 days for the Department of Education to complete its final review and that notification came on November 22nd. Based on that, I guess I can't really expect it to happen before January 22nd." Edit 3: Anecdotal evidence suggests that some people have been approved for forgiveness. I've found an account on r/studentloans claiming their relative has had their's forgiven and someone else claiming that their counsilor at FedLoan had told them they had approved a couple of loans. Things are looking good. [link] [comments]  |
| Posted: 03 Jan 2018 01:46 PM PST https://twitter.com/AskCapitalOne/status/948624502329618434 Seems Capital One had a problem today and a lot of debit transactions double posted. There are lots of people, myself included, who are currently in the negative because of the duplicate transactions. Horrible timing considering it's near the first of the month and bills are due. [link] [comments]  |
| [Support/Tech] How I went from $12/hour to $37.5/hour in 6 years with few marketable skills. Posted: 02 Jan 2018 08:27 PM PST Sorry, Reddit text formatting eludes me. Six years is a lot of time. I think if you're really motivated you can do it in way less. That said, this was the path I took. Disclaimers: 1) I have a college degree (film). College went sideways for a lot of reasons and I came out of it with few marketable skills. 2) I work in tech and am decently intelligent with computers from messing around as a kid. Step 1) Get attainable job that looks good on resume 2011: First job - entry-level support for giant corporation, semi-large city: $12/hour Education required: absolutely none How I got the job: convinced the employers that was normal, could logically think through problems and solve them, knew how to use computers, etc. This was my first job out of college. Not much else to say here other than it's a support job for a giant, well-respected company considered to have the world's best customer service. I learned soft skills there. The technical side of it was incredibly simple. Step 2) Befriend a recruiter and make connections. This is important. Getting to know a recruiter and convincing them you're intelligent goes a long way. Step 3) Teach yourself some basic computer skills. I had built myself a computer when I was younger. That was about all I knew. For those of you out there thinking that that's difficult, it's absolutely not. You can follow a step-by-step guide and learn the process within a day, easy. Step 4) Get entry-level IT job. A recruiter recommended me (see step 2) to a company for an entry-level IT job. 2013: Second job - entry-level IT support for small company, semi-large city: $14/hour Education required: much more than I had How I got the job: showing I was eager to learn, demonstrating I knew exactly how to talk with customers (learned from 1), and showing that I had basic aptitude for computers (I could build them.) This job kicked my ass. I thought I knew stuff about computers. I knew nothing. It was painful. Every day I felt like an idiot. Every day for a year straight. I broke down crying on two occasions, once in front of my boss. But I toughed it out, because I knew I was learning stuff. It was basically 4 years of college in a 1 year job, and I had to answer to customers and my boss. You can probably avoid this step if you learn marketable skills in college. Step 5) Get mid-level support engineer role. Recruiter friend again clued me to a company that was hiring, suggested I apply. 2014: third job - technical support engineer for large company, semi-large city: $22/hour + benefits Education required: slightly more than I had How I got the job: 1 year of IT work at a company looks great on a resume, and I had the soft skills from megacorp to boot. I had shown that I was adaptable and could learn new things, and was a positive person with a great outlook. That's all it takes. The company was a security software company. In an ideal world, I would've known everything there was to know about network security, how to take a packet capture, how to read packet captures, how to configure a CISCO router, etc. etc. etc. But here's the rub: because their software was so proprietary and in-house, they offered 3 months of training to support it. 3 months. That's amazing. And that's why technical support roles for big companies are so valuable. You get paid 3 months to learn a product, and you can train on universal skills you don't have in the interim. So I made friends with everyone at the job and I got the T2's and T3's to teach me networking and other stuff along the way. Step 6) Move to a bigger city and get a slightly more demanding support engineer role. I decided I wanted to move, and so I just started applying to every job I saw on linkedin. After about a month I got an offer and moved out. 2016: third job - technical support engineer for mid size startup, very large city: $37/hour + benefits Note that I told the company I was making about 20k more than I was when we negotiated the contract. Always important to do that. Education required: slightly more than I had How I got the job: Great recommendations from previous job, unique skillset of soft skills, adaptable technical skills, and ability and willingness to learn their proprietary, arbitrarily confusing in-house software. Basically, thing I did to get the last job. So, I hope this helps people. Just a simple little how-to of how I got there. The thing that's so great about support roles, again, is that they offer on the job training, which is invaluable if you have very few marketable skills. [link] [comments]  |
| Posted: 03 Jan 2018 04:22 PM PST Today I received my first promotion/pay raise in my career -- around $15Kish. Instead of making an unreasonable purchase or a drastic lifestyle change, I'm choosing to stick the extra monthly cash flow into my savings account. Feels good man! I hope this encourages you! [link] [comments]  |
| Posted: 03 Jan 2018 08:37 AM PST I gave my resignation for 1/31. However, I have a vacation planned for the week of the 15th so they said my last day may as well be the 19th with my last working day being the 12th. Fast forward to today, now they're asking me to submit a new letter of resignation showing 1/12 as my last day instead of the 19th. Will I be missing out on any kind of PTO payout or other benefits if I resubmit my resignation? My health insurance is through my spouse so I'm not concerned about that. EDIT: HR confirmed that my state dictates that they pay out all unused PTO. Thank you everyone for your responses! [link] [comments]  |
| Alliant bumps their savings rate from 1.25% to 1.3% Posted: 03 Jan 2018 10:49 AM PST Not a large raise, but a pretty quick turn around considering they just raised the rate to 1.25% in early December. edit In addition CIT Bank appears to be up to 1.55% now as well. [link] [comments]  |
| Wells Fargo ACH withdrawal 3 years after account closure Posted: 03 Jan 2018 06:33 PM PST So I noticed a Wells Fargo CC ACH withdrawal the other day from my [non-WF] bank account. Thing is, I don't have any active Wells Fargo accounts. The only one I've ever had was a dept. store credit card several years ago. It's been closed for about 3 years after being paid in full. Worried it may have been fraud, I went down to my bank and filled out the paperwork for ACH reversal as well as an ACH block for Wells Fargo. This morning, I received an email from Wells Fargo stating my ACH profile had been suspended (had to have been on the old dept. store account, as that's the only WF account I've ever had) - obviously because I initiated a reversal and block at my bank. I contacted Wells Fargo, and they confirmed the ACH request went through in their system, but they blamed my bank. Yeah, I'm sure my bank just decided to randomly send the monthly payment amount from a 3 year old account to Wells Fargo for no reason at all. Anyway, this is just a reminder to check your accounts often for any oddities. I almost breezed past this line item, but luckily I caught it... "Wait a second... I don't have a Wells Fargo CC!" I'll be avoiding Wells Fargo in the future. If you've ever had a Wells Fargo account - whether it's active or not - you may want to keep an eye out for this. I'm guessing it was some sort of software glitch, and I'd doubt my account was the only one affected. [link] [comments]  |
| Posted: 03 Jan 2018 07:08 PM PST The loan doesn't have my name on it at all. I just log in using her account to make the payments. She has not paid anything(to be clear, I have no issue with this. It was my schooling and I make enough to pay for it), so I am just wondering who has the claim on the 1098-E. The interest value paid in 2017 was around $5,000, if that is relevant. Yes, it is a big loan. [link] [comments]  |
| Found out this week that my parents did not pay our medical bills in college Posted: 03 Jan 2018 04:07 AM PST Hi Personal Finance, my siblings and I are in a predicament around debt collection, and i am wondering if there is any advice. Every time I went back to visit my hometown while in college, my mom scheduled me for several appointments in our local hospital, stuff such as general checkups and a flu shot. I didn't know how much these things would have cost and was under the impression my dad was paying them. That's how it had always worked growing up. I was on his plan with a 5k deductible at the time and looking back, everything would have been full price and there's no way I could have covered those costs. I got shocked a month ago when I got a lot of bills from collectors totalling about 2k, representing every college appointment I had. None of them were paid. If this were the only problem I could take care of these bills myself. However I found out recently that at one, probably both, of my younger siblings are in the same situation, and are much less able to handle it. They graduated college as well under my parents' care and insurance, and they had many counseling sessions in addition to regular checkups. Now all 3 of us have debt collectors. Neither of my siblings can afford these bills right now. One of them has psychological issues and does not have stable employment, the other does not make much money and is planning on taking the credit hit. None of us 3 ever saw the bills due to what looks like a communication breakdown. My parents divorced right before I entered college and it was a bad divorce. My dad then moved 8 hours away from my mom. My mom got all the bills delivered to her as the hospital used our permanent address. She claims she gave all the bills to my dad, and it was his responsibility to pay. My dad says my mom never gave him any bills. Caught in the middle of all this, my siblings and I are really wishing we had been given our own bills. So my question is: i am wondering if my decision to pay and that of my siblings to ignore the collectors seems wise, and if there is anything else we can consider doing. Thanks! Edit: wow, thank you so much for all the responses! Really appreciate it. [link] [comments]  |
| [Other] Did Capital One double anyone else's transactions? Posted: 03 Jan 2018 06:24 AM PST PSA: If you bank with Capital One, check your account! Several of my coworkers and people in my city who are Capital One checking customers had every transaction made this weekend doubled. And many accounts are overdrawn because of this error. edit: Capital One phone rep confirmed the issue is company wide & they are working to resolve as soon as they can. No overdraft fees will be charged to any accounts once the issues are fixed. [link] [comments]  |
| Where to save money for down payment? Posted: 03 Jan 2018 07:57 PM PST Where do people stash their money for a down payment of a house? In the stock market? In bonds? Or 1% savings account? Does the answer change if you're looking to buy a house in 1 year? 2 years? 5 years? 10 years? [link] [comments]  |
| Didn't get a raise, title changed from Director to 'Head of.' Did I get shadow demoted? Posted: 03 Jan 2018 05:31 PM PST I didn't really know where to post this. Per the title, I didn't get a raise this year but many people did. The finance guy got a big raise and was changed from 'Head of Finance' to 'Director of Finance' and I became 'Head of Operations' where I was 'Director of Operations' before. I thought we were both on the same level... does this read like a demotion to anyone here? Is it worth quibbling with the CEO? Mostly concerned about how this will look on a resume. I've been the de facto COO since I started here but the CEO refuses to promote anyone to C-level. Any insight is welcome. [link] [comments]  |
| $120k in student loan debt. Continue school, take a contract job, or pursue other options? Posted: 03 Jan 2018 06:10 PM PST I'm in a Master's program for electrical engineering. My BS is in Physics. I have $120k in student loans because of very poor decisions when I was younger. I am 28. My current job requires me to be a student and get the masters. If I graduate in 2.5 years, I will have a job as an electrical engineer making $65k. This will cost about $30k in loans, but I am not confident that I will be able to keep up the grades to finish the program, or keep the job I have. I was offered a contract job as a CAD Tech for 12 months for $52k, with no guarantee for employment after that. I would have to quit school without the option to return to take this position. What I really want is to be a teacher, which pays about $42k, but gives the option of loan forgiveness after 10 years, and a pension. My spouse does not like this idea and says it is "beneath me", but I think I would be happiest in this position. Can you all offer any advice on what to do/not to do. I am lost, and very stressed about my situation financially and emotionally. [link] [comments]  |
| Price increases in the service industry (specifically hair stylists) Posted: 03 Jan 2018 10:04 AM PST My wife is a stylist and has been for several years. She is self employed (rents a chair at her salon) and rarely increases her prices. She is generally booked 100% every day she works (4 days a week), and typically works 10-12 hour shifts. This year we talked about her raising her prices. My question is two fold: a) For those in the service industry that can control their rates, how do you decide what your increases are? b) If you go to someone for a service like this, what would you expect to see as an increase? Thanks [link] [comments]  |
| advice needed for identity theft.... Posted: 03 Jan 2018 05:51 PM PST Hello, I need advice... Some how, some where, everything about me have been stolen. Some thieves tried to make a purchase on my discover card about 1500 miles away from me. Thank goodness Discover stopped it. They told me that they tried to change my email and physical address. They did the same thing to my other 2 credit cards. Thankfully, both of my credit cards stopped it. My last credit card(capital one), they were able to change the email address, the physical address, and the phone number. And they were able to make an $800 purchase. Not only were they able to make an $800 purchase, they were able to call my bank and used my money to pay for the credit card!!! WTF!!! I called my bank, and thankfully everything is resolved, they are able to reissue me a credit card, and give me back my refund. I logged into my AnnualCreditReport.com and tried to get my credit report. Guess what? They said I couldn't get my free credit report, because I've already claimed it, a few days prior. Again, WTF? I called one of the credit bureas, and was able to put a fraud alert on all three of them. My question is, what do I need to do next? I've already cancelled my bank account and opened up a new one, I put a fraud alert, got new credit cards. I didn't lose any money, but just time to redo everything. What do I need to do next?? It sounds like the thieves got my SSN. What do I need to do next? What is my next step that I need to do? THanks for hte advice. [link] [comments]  |
| Posted: 03 Jan 2018 07:39 AM PST I'm mainly wondering if I can file for unemployment. More details are below. Other questions/insights related to my situation are greatly appreciated! I started working as a marketing coordinator in-office in the Atlanta area (GA is a right to work state). After 3 years of work, and various promotions, (now a product/marketing manager) I asked if I could work remotely and move home (Michigan - also a right to work state) to raise my daughter near family. Others were already working remotely all over the country so it wasn't totally unheard of and they were keen on the idea. I've been working remotely now for 3 years and my work has been well above expectations. Out of all the people in my position (5 of us), I was the top performer last year. So I was taken aback yesterday when one of our directors called me to inform me that they were eliminating all the work-from-home positions. I knew things weren't good for the the company....we've had 4 or 5 rounds of lay offs in my time there, but was frequently told that I was essential and that we were lean so that we could last through the tough times. My job would be secure if I wanted to move back, or I could have that day be my last day and collect 6 weeks of pay, or I could keep working for 3 months. I'm married and have one child. I'm the breadwinner, but my wife's job supplies the health benefits. I was wanting a new job in the new year, but I was wanting to do it on my timeline. My wife has been with her employer for 3 years, but is training for a new position....she will be working from home! With both of us working, it has been a boon to have someone home all the time in the instance that our daughter is ill. So the plan was, she would switch to work from home (training should hopefully conclude in February) and then I would begin my job search. I opted for the 3 months as it buys me more time to find a job. I don't think my work will hinder my search THAT much. I had an inkling that this might be coming as they reassigned me to a less important product family a month ago. I am as busy as I make myself be. We have a 6 month emergency fund. I'd like to NOT have to touch that if possible. My vacation days were just replenish on the first of the year, so I have 11 days of paid vacation that I think I can still use? I asked the exec to spell it out a bit for me what he meant when he said 3 months...did that mean March 31 would be my last day and he said that they would be understanding that if I needed a little longer and was on a 2nd or 3rd round interview and if I thought it would be it, that they would keep me on to help out if need be. But don't expect that to be the case if it's mid-year. Sorry if this sounds stupid as I have no experience with this, but is this situation considered being laid off? Am I able to apply for unemployment? If so, when can I apply since I was told my position would be eliminated on March 31....but not really if I need to hang on a bit longer. I know the wiki says to apply ASAP so there's no gap in income, but I can't collect if I'm still collecting pay..... I plan on tightening the belt and cutting everything we don't need. We already live pretty lean as I try to be frugal...I tend to spend a bit too much at the grocery store, but I do that so I don't feel like I'm missing out on dining out. I can cut that back and probably pocket an extra $100-$200 a month. Is there anything else I am overlooking about my situation? I know I've seen posts about this type of situation very often, but just want to be sure there's nothing unique I'm missing about mine. Thanks in advance. [link] [comments]  |
| Posted: 03 Jan 2018 08:59 AM PST |
| Posted: 03 Jan 2018 07:50 PM PST 22 F living with parents. I'm a full-time college student and work 24 hours weekly. I have accumulated $6,500 in debt because my financially irresponsible mother borrowed $12,000 cash (all my tuition savings) and asked to put all Christmas expenses on my credit card. She refuses to use her own for some reason. My parents make a combined income of $245,000. My father is unaware of the loans she taking and she guilt trips me/threatens to kick me out if I refuse to give her loans or I threaten to tell my father. It's been nearly a year since she took my tuition savings & hasn't paid much back. I'd move out but I don't think I could support myself while in school. I already took three years to work full & part-time jobs to save up. I don't want dropping out to be an option. I'm contemplating cutting my credit cards so she can no longer have access to them. Is cutting them a good idea? Any suggestions as to what I should do? [link] [comments]  |
| (US) Am I really able to still make a Roth IRA contribution for both 2017 AND 2018 right now? Posted: 03 Jan 2018 07:43 AM PST From what I know you can start making contributions on 1/1 for the year until 4/15 of the next year. So right now, from 1/3/2018 until 4/15/2018, am I able to legally make the full $5500 contribution for 2017 and 2018? (i.e. I can deposit $11000 today into 2 separate tax years)? [link] [comments]  |
| Posted: 03 Jan 2018 05:46 PM PST My father passed away recently, and my mother and I are unsure if he had life insurance and also are unable to find out what investments he had as he was quite interested in the stock market and followed it quite closely. Is there anyway or any place that I can go to find this information? [link] [comments]  |
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