Personal Finance Landlord forgot to pay our water bill so our water was shut off. Is it fair to ask for a month's free water? |
- Landlord forgot to pay our water bill so our water was shut off. Is it fair to ask for a month's free water?
- If you're a Spectrum customer, keep an eye on your bill. I just got automatically upgraded to a faster internet package without my approval/consent
- I logged into my mobile banking app and my auto loan wouldn’t show up...
- I recently moved from working an hourly rate to a salary at the same employer, and now I get paid 12.5% less, what can I do?
- Part rant, part question: Salary negotiation for women?
- Bank of America gave me full access to another person's account. Sounds similar to Chase issue last week. I had access to what looks like their life savings.
- 24 and I want to start investing, but even with Reddit’s help, I’m confused. What do I need to know?
- Rent splitting issues
- Boyfriend has several thousand dollars due in collections. Where does he even start?
- Parents want me out of the house in a month. I make $14/hr, think I can afford $676/mo rent for an apartment?
- How to transfer 401K from daughter to mother
- How do you actually get rid of a timeshare?
- Immigrating to US
- Accidentally put too much in ROTH IRA (separate accounts)
- Shorter commute with savings or long commute with triple the savings?
- Tax refund total is ~$3,000 less this year, with no significant changes.
- this year I f... up.
- Thankful I used a Credit Card as Payment
- Buying first apartment, confused.
- How can I save money?
- $10k Sitting in the Bank
- Apparently, TurboTax prices are rising starting on March 1st.
- My son starts high school this fall. I haven't saved anything for his college yet. Should I start savings using a 529 plan or a different vehicle?
| Posted: 27 Feb 2018 12:22 PM PST I hope this is the right sub! I moved into a new rental house on February 7th. The landlord said that he keeps the water bill in his name and provides up bills to pay him, he then pays the water company. We gave him a $300 water deposit ahead of moving in (in addition to our security deposit). Yesterday, February 26, we come home from work to find a note from the utility and our water shut off. We call the landlord immediately and he is super apologetic and gets us buckets of tap water to use to flush the toilet. My husband, myself, and my infant daughter got ready and off to work/daycare with no running water. Landlord called the utility and they said it will be back on within 24 hours meaning I don't know if there will be running water when I get home or not. My landlord has not offered or brought up a discount AT ALL! Only apologizing over and over again. Is it fair for me to push for a month's free water? I know it was only one day but I had dirty dished, I couldn't cook dinner, couldn't shower or bathe my child for work. Even washing my hands was a pain in the ass. TL;DR: Water got shut off for a day (maybe 2 days) because landlord didn't pay bill. What kind of discount/reimbursement should I request? EDIT/UPDATE: Thank you everyone for the feedback! My take away is that, yes, a month's free water is way too much to ask (darn!). My intention is to ask for the days without water removed from the rent bill. I pay $2300 in rent so accounting for 28 days in the month, that would $82 for each day (or I could calculate 30 days). I want to add- I am on great terms with my landlord and will always strive to be a good tenant. Even though I am upset (because I had a sink full of dishes and a washer full of baby clothes, and I can now smell myself at my desk due to no shower, I'm a pumping mom so my pump stuff smelled like sour milk this morning and I had to wash it in the office sink), I wouldn't express this to him that way - always professional & kind. We plan to live in this home for 3-5 years so I don't want to negatively impact that in any way. 2ND EDIT: I should add that $82 or $164 (will find out when I get home tonight) will be at least equal to or greater than one month water bill, ha! [link] [comments]  |
| Posted: 27 Feb 2018 07:14 AM PST I went to verify that my internet bill was scheduled to be paid tomorrow. My bill has been $54.99/month for 100 mbps for the past 12 months, so I was a bit startled to see that the pending charge was $64.99. After looking at the bill details I realized the base rate was lowered to $44.99 for 100 mbps (which matches the price that is currently advertised) with a line that says "Ultimate 200 Upgrade $20.00." I know over the course of a year that only makes a $240 difference, but it's still pretty maddening that they'd try to slip that through unnoticed. I called and had them adjust me back to the $44.99 rate. If you have Spectrum and have autopay set up it may behoove you to peek at your bill and make sure they haven't done this to you. Edit: peek not peak [link] [comments]  |
| I logged into my mobile banking app and my auto loan wouldn’t show up... Posted: 27 Feb 2018 02:34 PM PST That's because after 4 and a half years (paid the loan off early) and 17,000 dollars later, I am the owner of my Jeep. When me and my dad went to get it all them years ago, the initial work started when we talked it from 21,000 to 17,000. I never missed a payment and in the past year and a half I put extra towards it so I was able to pay it off early. Now I'm able to put an extra 400 a month into my savings and that is such an amazing feeling. [link] [comments]  |
| Posted: 27 Feb 2018 09:50 AM PST I'll keep this as brief as possible, but I'm looking for some advice on my situation. 8 Months ago I negotiated my hourly rate from ~17.5 to ~23.5. I was an hourly employee working 40 hours a week, while salaried employees compensation is based on 35 hours a week. Here's where it gets sticky. New Year roles around, I receive a promotion, and my hourly rate goes up to $26 However, they also move me from hourly to salary, therefor my effective hours on the clock, and subsequent earnings drop 12.5% from what they were when I was working 40 hours a week. This is kind of a hazy area given that they're not technically reducing my pay. I have a consistent track record of advancement in my company, (4 promotions in 3 years), but now I feel like they're fucking me sideways out of money I'm rightfully owed. I never "agreed" to the promotion. I was never formally presented with any information regarding the promotion. It was mentioned that if I got a promotion I may be moved to a salary. I wasn't informed that this was concrete, nor was I informed when I actually got the promotion. Edit; I edited the above passage heavily because some other users mentioned it was very convoluted, so I cut it down to only need to know information. tl'dr Pay before promotion; 49k/yr, based on hourly rate x 40 hours x 52 weeks Pay after promotion; 43k/yr, based on hourly rate x 140 hours a month x 12 months As /u/hessper pointed out, because I get paid monthly assuming 140 hours a month, which is actually incorrect, I'm actually making less than losing 5 hours a week, which is a different issue entirely. I believe my ~2 raise was to account for this discrepancy, however, that then implies I received a promotion with no raise. [link] [comments]  |
| Part rant, part question: Salary negotiation for women? Posted: 27 Feb 2018 01:23 PM PST Dear /r/personalfinance, can we get some salary negotiation tips specifically for women going on? Google's tips are mortifyingly awful (Come prepared to negotiate! Negotiate like a woman not like a man! No, I'm not making this up...). We know that women are paid less because we don't negotiate, but my anecdotal experience is that we are not rewarded when we do. Women need to negotiate, but I am sure I'm not the only one who doesn't know how to do it successfully. Help! The rant: At my previous job, after unsuccessfully trying to negotiate my own salary (I got a lecture about being greedy and was never trusted again), the man hired to replace me when I left just 7 months later started at about $6k higher than I did and with a full benefits package I never had (I watched him negotiate this with my jaw completely unhinged). When I challenged my supervisors about this, I was told he was older than me and had an MA (he's about 4 years older than me and I also have an MA, which they apparently forgot). What's setting me over the edge now is that about an hour ago, I was called "cumbersome" (Cumbersome! Who talks like that????) for negotiating the terms of a consulting contract. Thanks for listening and sharing my frustrations. [link] [comments]  |
| Posted: 27 Feb 2018 04:23 PM PST The story: I logged into my account today to update my bill pay and I saw that another persons savings and checkings accounts were now on my account. I could see their full transaction history, their address in two countries (down to the apartment number), last digits of phone numbers and emails. I could have wired money anywhere. It appeared to be her entire life savings. This access was both on desktop and mobile app. I have reported this to Bank of America and they are looking into it. It seems to be too much of a coincidence that this happened right after Chase's similar issue last week. Perhaps they tried to roll out an update and botched it. Pretty huge screw up because all my transaction history over a decade was on there for my credit cards. Plus my own address. And I knew so much about her financial and personal life too. (Chase issue here: https://www.bloomberg.com/news/articles/2018-02-22/jpmorgan-glitch-gave-customers-access-to-others-online-accounts ) I suspect this happened because I have a common name, as the person that got mixed up with me has basically the same first and last name. However, my credit score still showed up on my account, so it still seemed tied to my social security number. I also never lived in the two states that she lived in. We live thousands of miles from each other. Just a heads up, if you have an account with Bank of America, log in and check your accounts. Also, keep an eye out on your credit report next month to see if there are any strange marks. I'm going to assume I am not the only one this happened to so watch out. EDIT: It turns out that there was a rumor that logging in might have compromised your account in the Chase issue. Don't know what else you'd do, however. [link] [comments]  |
| 24 and I want to start investing, but even with Reddit’s help, I’m confused. What do I need to know? Posted: 27 Feb 2018 10:02 AM PST I'm about to graduate from university. I've got a healthy amount in savings ($3,000+) and I have relatively minimal student loans (~$3,000). I just filed my taxes, and I want to start investing with my part of my return. What is the best option for a beginner? I don't have the time to learn, study, and manage stocks. Would a Roth IRA be a better choice? I would like to park my money somewhere and watch it grow. Not sure if something like that exists. [link] [comments]  |
| Posted: 27 Feb 2018 10:52 AM PST Hey everyone - I'm hoping for some advice on a rent splitting situation with my roommate (planning to move in together in September). We decided about 6 months ago to live together when we graduate university, and after that, her dad decided that he'd be interested in buying an apartment to rent to us. He ended up buying an apartment in the last month, and the plan was that we would start renting from him in September. I was not involved in the decision to choose the apartment since I wasn't located in the city we're moving to - my roommate and her dad chose it. Everything seemed great until she told me that 1) she is getting the significantly larger master bedroom with a private bathroom and 2) we will have separate contracts and pay the same amount of rent. I'm really frustrated because the master bedroom is 150 square feet + a large private ensuite, balcony, and large windows, while the second bedroom is 90 square feet with a small hallway in front, but has no windows actually in the room and no ensuite. While I'm not opposed to taking the smaller room, I feel really uncomfortable paying the same amount of rent giving the substantial difference in living space and amenities. My roommate and her dad seem to think this is fair because he bought the apartment, but I feel like I'm in a really hard situation since I don't think it's fair to pay half the rent for a much worse room. What would you recommend that I do to negotiate? Is it even legal for a landlord to force us to pay equal rent rather than setting a single contract which we choose how we split? EDIT: I'm in Canada not in the US in a city where it's not legally required for bedrooms to have 2 exits / have a window (I think this is crazy but for some reason they changed the law about a year ago). I've also lived with this roommate along with 3 others for the past 4 years at university so I know we are compatible living together, but it does seem like a bad situation to rent from her dad. I really appreciate all the responses though and completely agree that I should be evaluating based on whether the room is a fair price and not based on what my roommate pays, since her dad could theoretically pay her whole rent if he wants to. [link] [comments]  |
| Boyfriend has several thousand dollars due in collections. Where does he even start? Posted: 27 Feb 2018 11:24 AM PST So my boyfriend had mentioned having some unpaid medical bills and cell phone bills, and wasn't sure how to check on their status. I got his credit report and I'm about ready to have a heart attack. I have NO IDEA how he could let his financial state get like this. It looks like he has about $8000 currently in collections with various companies, and another $16,795 that was "charged off". It's not just cell phone bills and medical bills but unpaid loans. I don't know what he's supposed to do to even start tackling this problem. He's 27, lives at home, was in the army for a few years and now works a minimum wage job. He wants to attend college in the near future but needs to get his discharge (hopefully) changed to honorable to get some assistance from the army to pay for the schooling. I don't know how to process this. It's nearly $25,000 he owes. [link] [comments]  |
| Posted: 27 Feb 2018 04:01 PM PST 40hrs a week. I have a $260/mo car payment, and pay my parents $100/mo for insurance and phone. They said they are covering my security deposit. I found a few nice apartments for $670-700/mo. I live in Florida as well, if that matters. What do you think? [link] [comments]  |
| How to transfer 401K from daughter to mother Posted: 27 Feb 2018 09:32 AM PST My dad passed away a few months ago and had a 401K account with about $320K in it. My mom was under the assumption that she was the beneficiary of the account but, unbeknown to everyone, my dad changed the beneficiary at some point to be my sister. Dad had a will but the named beneficiary of the 401K apparently trumps the will's content so my sister is now the owner of the account. The 401K was supposed to be money that would supplement my mom's pension and my sister wants to transfer it back to her. Unfortunately, it appears that transferring a 401K to another person is not possible. If my sister were to cash it out and gift it to my mom, she'd have to first pay taxes plus a 10% penalty (sister is in her 20s). Is all this correct? At that point, would my mom be limited to sticking the money in a regular brokerage account? Are there any ways to make the transfer without losing so much to taxes/fees? My mom has set up an appointment with a lawyer to discuss this but I wanted to get your feedback and ideas as well. Thanks! [link] [comments]  |
| How do you actually get rid of a timeshare? Posted: 27 Feb 2018 03:15 PM PST Hi all! Way back when, when my sister and I were young children, my parents were sold a timeshare in Orlando thinking it would be a lovely thing for the family to have. NOT. My family has been stuck paying for this wretched thing for over a decade, we can't actually use it to go anywhere good as the good places book up two years in advance, we are harassed constantly by telemarketers from the timeshare org, and it is a general soul destroying money pit. Basically we want to free our hands from this curse, but we don't know how. The timeshare org won't give us a straight answer (I wonder why) and all the other options seem like greedy sharks that are trying to prey on our desperation and charge huge fees to go through the legal paper work. Is this something I can do on my own, or will I have to end up inheriting this godforsaken Ponzi scheme and weeping over annual fees checks. THIS IS ALSO A WARNING TO ALL THAT TIMESHARES ARE THE BIGGEST SCAM OUT THERE. Edit: sorry, for the confusion, the timeshare was in Orlando, Disney area, not actually through Disney [link] [comments]  |
| Posted: 27 Feb 2018 06:42 AM PST So my wife and I are planning to move from China to the US later this year. I am a US citizen but my wife isn't. However we have had several questions on how to set up our finances by moving from a foreign country. I've heard things about how there might be taxes or limits to the amount of money that we can receive from foreign people,her family in our case. So just wondering what our the first steps that should be taken in order for it to be an easy move. [link] [comments]  |
| Accidentally put too much in ROTH IRA (separate accounts) Posted: 27 Feb 2018 07:34 AM PST So I just set up a ROTH IRA for myself in around 2016 and maxed 2016 and put in about $4k for 2017. My brother helped me start a ROTH IRA with another company, he put some funds in for FY2015 and I just found out he put in some last year that put me over the limits for FY2017. How do I go about rectifying this? I read somewhere that I can pay a 3% to 6% penalty to recharacterize it to FY2018? but could use a lot of details. Most all of the funds have been put in the market.
Thanks. [link] [comments]  |
| Shorter commute with savings or long commute with triple the savings? Posted: 27 Feb 2018 07:21 AM PST So I just want to ask this subreddit and see what you'd do in my situation. I'm a 25 year old male and I currently live at home with my parents. I'm about to start a job in NYC and I think I have two options going forward. I am currently paying $900 a month towards student loans and car payments. I am able to meal-prep, never buy clothes nor really go out. 1)I could move closer to the city and live with a mutual friend in a 2 bed 2 bath, saving around $500 a month with a 2 hour roundtrip commute. I'd be in Jersey City and closer to my friends who I'd hangout with more often. 2)Or I could stay with my parents, saving $1500 a month with a 4 hour roundtrip commute. I'd be in a small town with not a lot going on, but in general I like to stay at home so that's not too big of a deal. At this point I'm mainly weighing commute time vs. money saved and would love to know what you'd do in the situation and why. edit: Thanks everyone for their input! Reading everyone's opinion and take on the situation is really helpful! Considering the overwhelming majority of people suggesting I try and minimize my commute as much as possible, I guess I have another option. More specifics, the job starts off with a month or so of training, which would be in the main office way uptown. After training, I believe I'll be assigned to an area within any of the 5 boroughs and mainly work from there, going into the main office twice a month. This assigned area would probably change after a certain period of time. To live with my friend, I would have to decide fairly soon, in like a week I think. So the two options now are: 1)option 2 from before 2)Do the commute while I'm going through training and then eventually move somewhere in the city with strangers and further away from my friends. Could be close at first, but then could also eventually be a decent commute once I change locations. Don't know how I feel about living with a stranger, I don't even think I could live with some of my closer friends. I think savings would be similar(give or take $100?) depending on rent and commute. [link] [comments]  |
| Tax refund total is ~$3,000 less this year, with no significant changes. Posted: 27 Feb 2018 11:56 AM PST Admittedly, I don't know much about taxes.. My wife and I file jointly, and have our taxes done by a family friend who's filed them for the past 8 years. We take our W2, mortgage interest statement, bank (savings) interest statement, and the slip that shows what you took as a return from last years taxes. (I believe it counts towards taxable income) Then she does all the paperwork and lets us know what both the State and Federal refunds will be. However, this year our refund is down ~45-50% and there haven't been any changes to our withholding. Both my wife and I (no children) file "Married, 1" which hasn't changed. There was a gross increase in income of $8,415 over last year for a total of $118,127, but that's still far from hitting the next tax bracket. I'm just not sure where to start looking into this, as it doesn't make sense to me. There was an increase in income, but since we made zero changes to witholdings/healthcare/401k over last year I figured it would all balance and we'd see roughly the same as last year's numbers. I recall last year our compounded property tax account came up short, and we had to pay something like $3,000 out of pocket.. but I've been wracking my brain and that's the ONLY difference I can think of in the past year. I'm hoping for a direction to start looking in so this will make more sense to me. I don't really think they were filed incorrectly this year, I'd just like to know why.. I was told "It's because we made more this year." but that' doesn't explain it for me. [link] [comments]  |
| Posted: 27 Feb 2018 06:12 PM PST Ok, looking for help, advice and even a way to go idiot. Basic facts 35 owned home since 05 at 175k as of know its down to 140k (orginal bank was bought by a big bank, was forced to remorgage 3 years ago to fix errors (property was "tied to other properties blah blah blah screw me} So last year hit a giant life changing event, needless to say kinda hit the bottom for a bit, then lets say some free fall of figuring out what i atually wanted to do. I work for myself, do my own taxes and all that. Was not in a place to do my taxes also was missing a ton of paperwork due to that being on someones computer. So i filled for an extension and mailed of some money to the state and federal government. did more soul searching mountain climbing and anything but actually take care of the real problem. in total i probably owe about 8k. I did not how ever just blow the money, i actually invested way more into myself over the year, a new truck, trailer, tools, and organization to increase my output vs time on jobs, to increase my profits. So rent or sell and how do i go about fixing my taxes, becuase honestly that scares me to death. [link] [comments]  |
| Thankful I used a Credit Card as Payment Posted: 27 Feb 2018 12:48 PM PST Some people are very wary about using a credit card and others don't even want to get one. My spouse was one of those people that I had to convince to get a card and actually USE it for its additional protection and rewards. We were looking to get a used washer and dryer after moving. I browse Craigslist/Facebook Market daily and in our new area, I see an used appliance store's posting. They offer many units and have a 90 day warranty, which made us feel safer. We get there and they have some good looking newer units but all above our budget of $300-$400 (another dealer on CLs had many for that price, so it was our budget). The guy, who I assumed was the owner, said to come back next week as they had more units coming and he could meet us near our budget. The following week, we go back and find a good pair. Right before paying though, I convinced my husband to use the Amex instead of debit. We pay, schedule the delivery and leave. Long story short, the washer had a few issues. At the first issue, I call and the "owner" sets an appointment in which the repairman never comes. He is surprised when I call back the next day. When the repair guy eventually comes, it's just the same guy as the delivery person. He's pissed because he's not getting paid for this kind of work- only deliveries; he's ranting this as he's looking at my washer. But problem is solved. Next week, we discover another issue with the washer. I call again, and the "owner" says his repair guy is very busy but he'll look at the schedule and call me back. Never does. At this point, I make a note of jotting down everything that has happened since we bought the washer/dryer and notate all communication. Basically it became a game of the "owner" not knowing when his repair guy would be available or that the guy was available immediately, in which case I was not. The last call to him, we set a time for the following day, but then asks me to call him at 1pm to remind him. In my mind, I was pissed....am I your secretary now? But sure, I'll call you and let's get this over with. That was the last time we talked. All calls after that were never answer and there was no voicemail. I later come to find a post on Craigslist from a disgruntled, unpaid employee warning others to stay away. I stopped at the store today to find a handwritten "closed" sign. I filed a dispute with our credit card company. It's been one month and the 90 warranty obviously can't be fulfilled and we got a bad washer. I'm hoping that Amex pulls through. Regardless, I'm extremely glad we didn't pay cash/debit or go through their financing offer (3rd party). I feel bad because the store is also in a rougher part of town, so I'm sure some people are screwed. I was told they were always getting weekly shipments, so they must've moved units consistently. TL;DR Bought a washer/dryer using credit card. While waiting for their repairman, the store up and closed. Now working with Amex to dispute the purchase. Edit: words. Also, I say "owner" because he seemed like the boss and negotiated on pricing with me, but according to the disgruntled employee, "owner" got fired, too. [link] [comments]  |
| Buying first apartment, confused. Posted: 27 Feb 2018 05:55 PM PST So I'm currently 24 and trying to purchase my first apartment. Long story short it was listed at 130k and I offered 120k. They counter at 125k i say 122.5 just to be a cheeky little bastard. They agree but want to put 130 on he closing bill and then give me back the difference of 122.5-130. Can anyone explain this to me? Is it worth it financially or is this all one big sham? I feel as if they are trying to bamboozle me. All help is appreciated massively! [link] [comments]  |
| Posted: 27 Feb 2018 07:27 AM PST So I recently just quit my second job since it was making me miserable and emotionally stressed out every time I went there for personal reasons. Im 22 about to be 23 and i currently make about 16k a year. I make roughly $260 a week after imsirances and state taxes (about $100 every week out of my check). My bills are as followed in order that they are due: Rent: $395 Loan: $25 Gym: $47 Phone: $118 Utilities: ~$100-150 Car loan: $120 Loan: $45 Car insurance: $98 I roughly have around $94 dollars for everything else that I need for the month. I lived by myself and I have no family to move in with or ask for help (I only had my sister and my mom. My sister passed away unexpectedly a couple of years ago and my mom has been in a nursing home with bad health since I was 14). I have no one to fall back on and I'm just alone with no significant other. I have been miserably depressed for the past few months and I can't afford to get help or medicine, especially while only working one job. I never went to college when I was younger because I lived with my sister and to make things short she was an alcoholic which lead to many tough times for us. Edit: to clarify I put in a 2 weeks notice in so I'll have a couple of checks to help me out for a bit. I will be looking for a second job or a job to take both places. I will look into seeing if I can lower my phone bill but I will need my phone for personal and work purposes. My internet isn't much at all plus with spring coming up I can save money using less heat/air which is the biggest factor in my bill [link] [comments]  |
| Posted: 27 Feb 2018 04:55 PM PST I'll keep this short and sweet - I'm 25 years old and getting married this year I currently have a 401k (15% each check) with a balance of 27k I make $50k a year roughly My debt is $16,400 car loan at 3.5% interest rate & home mortgage is $112,500 at 4.5% interest rate ($30,500 equity) I've started budgeting and have built up a surplus of $10,000 What should I do with this? Throw straight into the car loan, mortgage, hold onto it as a large emergency fund, or open up an IRA account? No idea how to proceed but want to be sure I get this one right [link] [comments]  |
| Apparently, TurboTax prices are rising starting on March 1st. Posted: 27 Feb 2018 03:51 PM PST Got an email from them saying prices are going to rise. Has this been the case every year? I found one source that the price increase is ~$30. [link] [comments]  |
| Posted: 27 Feb 2018 08:06 AM PST I have 4 years to save for his college. It won't be much, relatively speaking, but if I save $8,000 to $16,000, does a 529 plan make sense in this timeframe? [link] [comments]  |
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