Personal Finance Discover will no longer offer Extended Product Warranty, Purchase Protection, Return Guarantee, and Auto Rental and Flight Accident Insurance benefits as of 2/28/2018 |
- Discover will no longer offer Extended Product Warranty, Purchase Protection, Return Guarantee, and Auto Rental and Flight Accident Insurance benefits as of 2/28/2018
- My dad just got a check from his tax from almost a decade ago but can't cash it as it's named to both him and my mom.
- Job Offer from Amazon even though i own a business
- I was refunded $550 to a cancelled credit card. Ticketmaster says that it has left their system, my bank says they cannot access it.
- Leasing a car
- IRS says I owe them money because I never claimed settlement money from Navient as income. I never knew that this was income since I never received a 1099 form from Navient. This doesn't sound right to me. What should I do?
- Should I move my money?
- Could use your expertise and perspective
- So my wife had two accounts opened online in her names.
- How to invest in low risk returns
- Pay-check bounced. Now all funds are frozen.
- Short term investing for a car?
- Should I sell my house to pay of student loan debt?
- I've got a few share of about a dozen stocks from my grandparents, but I can't seem to do anything with them.
- Just got a new job and my boss said they will be giving me a 1099 instead of a w2 next year
- Am I missing some benefit of 529 plans? They seem like a bum deal to me.
- Tax advice in ireland?
- Just finished paying off my student loans (yay!) but, my credit score fell 25 points because if this! Why?
- My mom needs a new job, how to help her look?
- I'm taking on more responsibility at work and they told me there would be compensation
- Pay off personal loan or monthly payments?
- I am set to inherit a Kilo of gold. How and should I sell it?
- Please help -- Received doctor office bill for treatment that was supposed to be covered by insurance
- depositing large quantities of cash into the bank. NOT DRUG FUNDS.
| Posted: 11 Mar 2018 11:15 AM PDT I went to check out my Discover Card benefit and these two notifications came up. This is really disappointing, as these are great benefits. Explanation of these benefits: Extended Product Warranty - Additional year of coverage on top of original product warranty Purchase Protection - Refund damaged or stolen products up to $500 within 90 days of purchase. Return Guarantee - Discover will help you with a product return when the store won't accept it Auto Rental Insurance - up to $25,000 in rental vehicle insurance Flight Accident Insurance - up to $500,000 in coverage [link] [comments]  |
| Posted: 11 Mar 2018 08:18 AM PDT Hey everyone! First of all, I'm not sure if it's okay to ask this hear. So if this has to be taken down I will understand it. My dad recently called me about how he got a check from the government dating way back to the mid 2000's. However, it's named to both my dad and mom. The issue with this is that my mom never became a US citizen or resident. She was there with TPS. I've been living with her for almost a decade in a foreign country and she never tried to get a VISA so she can't just go there for a few days and sign the check. My dad's been told by various people that he can either get a vehicle from a dealership, cash it at a gas station or open a bank account in my country with the check (foreign country in Central America). I've told him to wait on all the option as none of us know if these methods are legal or could work. What's the best thing my parents could do? Does my mom/dad have to travel to get the signature? EDIT: The countries involved are Nicaragua (mom and I) and the United States (dad). EDIT 2: My dad sent me a photo of the check. It says "Pay to the order of "his name" & "mom's name"." The only date I can make out on it is 12/2005 and it shows "01 29 18" on the first line. He just recently got this mail as he came to visit us on February 1st and returned to the U.S on March 8th. He got the check on March 9th. Thanks. [link] [comments]  |
| Job Offer from Amazon even though i own a business Posted: 11 Mar 2018 02:25 PM PDT I currently own a business which i make about 7K$/month which i manage with my wife. We have been growing this business for more than 10 years and it has come this far. But now i have recieved a job offer from Amazon which requires me to move to Luxembourg for 10K€/month . I do not know which path to take and i need your expertise. I am 45 years old. 1 Kid 90K $ car Living on Rent I live in Turkey [link] [comments]  |
| Posted: 10 Mar 2018 10:20 PM PST How do I get my money back? I wait on hold for hours each day, Ticketmaster says I have to talk to my bank to access the money as it's left their system, my bank says that they need Ticketmaster to reissue the money so they can access it. Ticketmaster won't reissue. Help?! [link] [comments]  |
| Posted: 11 Mar 2018 08:04 AM PDT Is leasing a car a dumb financial decision? Seems like a decent way to avoid maintenance nightmares and not buy a quickly depreciating investment. [link] [comments]  |
| Posted: 11 Mar 2018 03:41 PM PDT In 2015 I received a settlement check from Navient because they were overcharging interest rates for military members. I just received a bill from the IRS because they said I made more money than I reported in 2015. After 90 minutes on the phone with the IRS, I found out that Navient sent the IRS a 1099 Misc form that I never saw. When I log in on Navient there is no tax information from 2015. This is $1000+interest. Any help is greatly appreciated. Thank you! [link] [comments]  |
| Posted: 11 Mar 2018 05:48 AM PDT Currently, I have around 185k in a Capital one 360 checking account where I'm getting 1% interest on. I noticed that they offer a MM acct with 1.5% interest over 10k in deposits. They limit transactions to 6 times a year. This money I rarely touch, as it's not my day to day checking. I usually transfer money in this account 1-2 times a month. I also have credit card and checking linked that I share with my husband, so it makes payments seamless. I transfer money out of here once a month ( small amount, usually around 600 bucks) I will be using this money for a down payment on a house within 1-2 years. The checking rates interest is as follows. From 0 to 49k the rate is .20%. From 50k to 99k the rate is .75%. The rate over 100k is 1%. As stated before the MM rate is 1.5% for anything over 10k My question is, is it worth it to move part of this money to the MM, mostly all of it, or none of it. What would be the best scenario to make the most interest? TIA!! EDIT: thank you everyone. I should note, I have over 500k in Fidelity between retirement and various investment vehicles. More than half of which is professionally managed. I need access to the 185k probably in the next year for a down payment on a house., so stocks, etf index funds aren't really an option. This does not include my husband's investments or cash. We keep things separate. And yes, we live in a very high COL area. Welcome to NY. Lol [link] [comments]  |
| Could use your expertise and perspective Posted: 11 Mar 2018 09:33 AM PDT Background: 32 years old, 0 debt, 820 Credit Background, ~$10,000.00 cash saved, credit limit of $10,000 (0 balance owed), BS in Communications and AA degree, own my vehicle it's reliable yet an older model, 0 kids. I have relatively low monthly expenses each month as I moved in with my parents to finish school. I live in a town of around 100,000 and it's difficult to find full-time work relevant to my degree (or something I'd enjoy) I'm currently working as a contractor and I make $38 dollars an hour at 26 hours per week and the contract is set to end in 7 weeks. I've sought out grants to continue the work but it's highly possible my employment is ending. I have my own LLC, and debating whether I should go back to school to get my degree in Data Science (my girlfriend with a salary of $98k/year supports me in any decision I make, parents are supportive as well) If she relocates we're looking at a 50% reduction in salary. The cost of living in our current city is relatively low but job opportunities are also low. I can work on fleshing out my business, go back to school and get a data science degree or commute to a city 45 minutes away (each trip) and find better job prospects. Seeking advice on next steps. [link] [comments]  |
| So my wife had two accounts opened online in her names. Posted: 11 Mar 2018 08:54 AM PDT So we're assuming her identity was stolen however the person opened both accounts last May, spent two grand on each of them, and then immediately closed them and didn't pay them and never opened another. We didn't find out till now because the invoices we're being sent to our home address and we currently live full time on a fifth wheel and use a post mail box. The only reason I found out was because I was getting ready to make an offer on another apartment building. My mortgage broker then told me that my wife's credit score, that's usually nearly 800, is like 600 and that she can't even be on the loan. Luckily I was able to qualify for it on my own, which is better anyways, more conventional loans! Unfortunately, I got outbid. She called both companies, Kohl's and Synchrony Bank. Kohls said they'd send a letter saying was fraud and then within 90 days it would only show up if we looked at our own. We received that letter. Synchrony Bank however sent out some investigation form, to the wrong address, our home address and not the post mail box as we specifically told them, however we were home visiting so I managed to get it and have my wife fill it out. They claim they are going to do the same thing as Kohl's but I've read they can be much more difficult. So what should we do going forward? She's particularly worried about our tax return although nothing has happened for almost a year, and that could be a decent amount of money, especially since we just had a kid.. Any help with Synchrony Bank would be appreciated and I'd like to be notified if someone is opening a credit account in either of our names. Should I get Life Lock? Something like it. Anything else I can do? Tldr, someone opened accounts in my wife name almost a year ago, we just found out about it, called both companies, both claim they're going to remove them. What else should we do? [link] [comments]  |
| How to invest in low risk returns Posted: 11 Mar 2018 02:21 PM PDT My parents recently inherited 300,000$ and don't know what to invest in for low risk returns. They already have alot in real estate and don't intend on investing in housing. Any links to trusted articles or posts are greatly appreciated. [link] [comments]  |
| Pay-check bounced. Now all funds are frozen. Posted: 11 Mar 2018 04:06 AM PDT I deposited it on the 2nd, it was returned on the 5th. US BANK froze my account. I have no access to any of my funds. I know payments and such are being returned as I have gotten a return check fee from my cc. Am I responsible for the fees? Boss says there is no reason it should have been returned. Bank says otherwise. What are my options? Has this happened to anyone else? What are the chances it was teller error? I'm not sure if that's even possible. [link] [comments]  |
| Short term investing for a car? Posted: 11 Mar 2018 08:43 AM PDT Hello, I am interested in short term investing with the goal of purchasing a car for roughly 20k within the next three years. I have no debt. My monthly expenses equate to $2k. I have a 6 month emergency fund. I invest 8% (employer matches) in my 401k and enough each month to max out my Roth IRA by the end of the year. I'm 25 and make roughly 74k per year (gross). Also, should I be investing long term or should I first focus on maxing out my 401k and building my savings up to 12 months? I bank with a local credit union and manage my savings with Alliant. My retirement investments are through Vanguard (time index funds). Please let me know if I can provide additional information if necessary. Thank you. [link] [comments]  |
| Should I sell my house to pay of student loan debt? Posted: 11 Mar 2018 02:30 PM PDT Hello! We have roughly $100,000 in student loan debt which will take us about 8-10 years to pay off. We think that we can make $80,000-$100,000 net cash if we sold our home this spring/summer. We thought that we could sell our home, pay off our debt, then rent until we have 20% down for another home. Rent would be ~$1,800-$2,000/mo. We currently pay $1,450/mo for our home and $2,000/mo for our loans :(. What do you think? Should we do it? [link] [comments]  |
| Posted: 11 Mar 2018 02:19 PM PDT I guess I'm just looking for some help on where to start. Growing up, my grandparents would gift me a few share of a fun stock so I could say "I own a part of Disney!", things like that. But now I have a couple shares of about a dozen stocks and it's just been such a headache trying to access them, and it's just a lot of extra stuff to keep track of at tax-time My grandparents have since passed away, and we haven't been able to find any of the original certificates. We tried to contact the firm my grandparents used to purchase the stocks but no longer seem to exist. The stocks are all in both my and my mother's name (As a custodian I believe since I was a minor when they were purchased), so my bank won't even take the 25 cent dividend checks with both our names on them. We live in different states so I don't even know how to go about getting it all in my name. I've been able to use account information from some checks to access a portfolio on one batch of them through Computershare, but they only hold a few of my stocks. And I can't do anything with them because I don't have the certificates, and they need a notarized document signed by both my mother and myself to replace them. All-in-all I think I have about $1500 in stocks that I can't access. I just want to sell it all and get it over with. Is there like a single place I can go with my name or social security number and find out what stocks I have and who brokers them? Or a less complicated way to get it all in my name and transfer it to one place? Or do I need to track down all these stocks manually and get tons of documents together before my next visit home? Would a financial planner or investment firm be able to deal with all of this for me? I'd be willing to pay someone to deal with the headache but I just don't even know where to begin. Edit to add: I've got an account through Fidelity with my 401k and a stock purchase program from my employer so I'd really like to merge everything to there if possible and I don't know if already having an account there is easier or harder [link] [comments]  |
| Just got a new job and my boss said they will be giving me a 1099 instead of a w2 next year Posted: 11 Mar 2018 02:11 PM PDT I know that this means I'm a contractor for tax purposes but i dont know if i have to keep records of how much i made each shift or something? Im not sure what a 1099 even looks like. The job is bartending, tip based, if that is important. Any advice would be appreciated. Sorry if this is an inappropriate sub idk what to put it under [link] [comments]  |
| Am I missing some benefit of 529 plans? They seem like a bum deal to me. Posted: 11 Mar 2018 07:48 AM PDT Ever since I found that IRA contributions can be used penalty-free for education expenses, I've been eyeing that for my son's college savings. If I use my Roth contribution for that college savings I have tax free distributions to pay for it, and if he doesn't go to college I have it as extra retirement savings. The 529 plan would be exempt from federal taxes (same as Roth) but it seems like only a select few states have any state tax benefit. My residency is a bit fluid but as near as I can tell any state of interest to me either has no tax benefit (such as CA) or the state has no income tax anyway (such as TX or FL). On top of that, if my son ended up not going to college or college isn't as expensive as anticipated, there's a 10% penalty + no tax benefit on whatever is left! A 10% penalty I don't have to deal with on the Roth. This is all on top of additional fees I wouldn't be paying in a Roth, and more limited investment options. So without a state tax benefit, and the additional 10% penalty, is there ANY positive to using a 529 plan over a Roth IRA? It seems like a pretty clear cut advantage to me, yet nearly every article I read regarding using an IRA for college savings suggests a 529 instead, but I'm not seeing the benefit. The only values I can see in favor of a 529 are if I wanted to contribute more than $5500 annually to his college fund or that I wanted to prioritize my retirement savings more (but I'm still under max 401k contribution so it feels like something I don't need to worry about yet). [link] [comments]  |
| Posted: 11 Mar 2018 06:53 AM PDT Hey guys, So I've just got a new job, the pay will be €18,500 a year and obviously I will get taxed on that. I've heard it can be as much as 20%.. I'm wondering if its possible that I can claim some of it back? It might seem like a really ridiculous question but this is my first job that's ever been on the books so I'm not really sure about tax and stuff! Basically looking to minimise the amount I lose! Thanks :) [link] [comments]  |
| Posted: 11 Mar 2018 02:15 PM PDT It feels like I'm being punished for decreasing my debt. I don't understand why my score would fall so much [link] [comments]  |
| My mom needs a new job, how to help her look? Posted: 11 Mar 2018 10:41 AM PDT My mom's job just got her hours significantly and are several paychecks behind. She really needs a new job but, in her 50s, is afraid that she won't be able to find one. She's worked the phones for several mail order companies for the past 20+ years and would like something similar. I'll be going over next weekend to help her work on a resume, but what type of jobs should we be looking at? And where do i find them? [link] [comments]  |
| I'm taking on more responsibility at work and they told me there would be compensation Posted: 11 Mar 2018 03:08 PM PDT I work for a non-profit as an Administrative Assistant / Receptionist and when I was in the hiring process they asked me my expected salary range for this position. I did some research and said to them that I was expecting a salary between 35k - 42k. This was my first job offer after graduating from college so I didn't really know what I was doing when it came into salary expectations, but what I remember from the interview then is that because I would be working for a non-profit organization that staff usually earns less pay than a for-profit agency. Sure, yeah I totally get that. I went to an engineering college and knew that I would be earning less than my peers because of my passion to being a service to people. 20 mins after my final interview I got a phone call saying that I got the position but that my salary was going to be 32k because the Executive Director of the agency said that "it's just a Receptionist position" and that he wasn't going to go any higher. They didn't help with relocation expenses either (moved from Houston to Dallas) so I relied on my dad since I didn't have any money. So I made my peace with that and went back to my budget that I'm still following and saw what I would cut back on. Mainly paying minimum on loans and my grocery budget was chopped. I also use whatever is left my grocercy budget to buy stuff for my personal budget. I started after New Year's and now been working full-time for two full months, working on three now. Last month I was approached by our executive director and my supervisor if I'd taken on the responsibilities Volunteer Coordinator and that there would be compensation for taking on these new responsibilities. The duties entail about 3-5 hours a week going over volunteer applications, sending orientation date and time that I schedule to applicants, and when they're all done with orientation I just send their information to the appropriate program directors "that so and so are orientated and ready to help their programs." Seems easy enough and I said that I would be interested but I'd like to have the responsibilities outlined and who I'd be reporting to, etc. So the last Friday I was asked from my supervisors if I'm still interested after three weeks of being told not to worry about it again and that they're not considering me to take over the position. So I'm thinking about it again on the spot because they told me to seriously think about it because if I say yes then I'll start being trained for this position within the next two weeks. They also asked that I think up a number for compensation for adding 3-5 hours a week into these new responsibilities. I said sure but I also said that I would want my currently job responsibilities to be updated to include more of the actual tasks I do for the agency as an Administrative Assistant than just being viewed as a Receptionist. Because I just want have something actually reflects everything that I am currently doing that wasn't outlined when I first signed on in early January. So when I'm discussing salary with our director I have information to show him that I'm currently doing more than when I first signed on and now that I would be adding another title to me and that's why I am justifying an X% pay increase. My problem is just that idk how to word any of this and what's a good percentage range to reflect what I'm doing as an Administrative Assistant / Receptionist and now additionally as Administrative Assistant / Receptionist / Volunteer Coordinator. I just don't want to be undercuted and my supervisor agrees. Any thoughts are welcomed. [link] [comments]  |
| Pay off personal loan or monthly payments? Posted: 11 Mar 2018 09:07 AM PDT A few years ago I took out a personal loan to consolidate debt. I've been paying about $250/month on it. I'm at the point now where I'm able to pay off the rest of the loan (~$3000), but have heard it's best to simply make the payments through the length of the loan, as far as my credit score is concerned. Is this true or is it of no consequence? The APR on the loan is ~6.75%, so if I were to wait, I'd pay 100-200 dollars of interest, which is worth it to me if it helps my credit score (it's not bad, but I'm mindful of helping it grow when I can). Any advice welcomed! Thanks in advance. EDIT: I'm not investing this money elsewhere. I'm either allocating the funds to a savings account from which the money is withdrawn every month, or I'm paying it off in full in one sum. I'm moving soon and am attempting to reduce my monthly bills. [link] [comments]  |
| I am set to inherit a Kilo of gold. How and should I sell it? Posted: 11 Mar 2018 02:54 PM PDT I will soon be inheriting a Kilo of gold from my grandparents. This should be worth around 43K. I want to know if I should sell it (I have no idea if its a good investment) and if yes, how should I sell it. I heard online places give the best value but I am skeptical of sending gold in the mail. [link] [comments]  |
| Posted: 11 Mar 2018 09:48 AM PDT Hello I hope this is okay to post here and I hope someone can help us. My gf own a small business and is enrolled in a low income health insurance plan (United Healthcare Essential Plan) through the NYS health exchange. She has had chronic ear pain for over a year and sought a diagnosis from her PCP. The PCP referred her to a ENT (ear-nose-throat) specialist that was in-network and took her insurance, etc. That ENT referred her to a physical therapy clinic for an evaluation to determine if it was a jaw/muscle issue affecting her ear. Again, she made sure that PT clinic was in-network and took her insurance. The PT clinic did an evaluation and the doctor/nurse/therapist that did her eval told her they were unsure if it would alleviate the pain, but they could try PT, and they might as well because she had a low copay. By now I'm sure you can guess where this is going. So although she was skeptical of the treatments working (partially thanks to eval) she began going to PT in the same building through the same office once a week for six weeks. When they did a patient intake she reminded them of her insurance plan and they said she "wouldn't have been referred to them if they did not take her insurance" and that her "copay would be $15." She paid her copay each visit and never once did the staff let her know of any additional costs. Fast forward to Friday when she received a bill in the mail for the full cost of the treatments minus her copays. Her insurance didn't cover any of the treatments. She was devastated. Now we are trying to figure out the best course of action to resolve this. Does anyone have any experience or suggestions as to where to start? The insurance company? The PT office? Her PCP? What are the chances of getting this covered? Reduced? Tossed out? [link] [comments]  |
| depositing large quantities of cash into the bank. NOT DRUG FUNDS. Posted: 11 Mar 2018 08:00 PM PDT I'm in the US. I am selling a lakefront cabin that I purchased 14 years ago with excess proceeds from a HELOC. It's not a traditional purchase, as the cabin is part of an antiquated association (1950s). The new buyer gets a percentage of the association, so there is no deed and nothing goes through mortgage insurance/etc. . What is my best method to receive payment for the cabin? I went to law school, but I am not a lawyer, i think i was sleeping when they covered large bank deposits. the transfer is very straight forward, and have no concerns with the liabilities of the transfer. essentially this is akin to a campground membership transfer, but at a larger scale. I am not making a significant amount of money (<10K) on the cabin(with interest on the HELOC, it's a loser). I am uncertain what my tax liabilities might be, and what might be my best strategy to accept payment. I am not in a hurry to deposit the funds. obviously cash is the best option, but what are the implications of depositing a large cashier's check or wire transfer? [link] [comments]  |
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