Personal Finance A “subscription” box charged me for 4 of their $107 boxes without my consent and won’t refund me my money. What do I do? |
- A “subscription” box charged me for 4 of their $107 boxes without my consent and won’t refund me my money. What do I do?
- I'm 25yo and have just inherited 50 acres in virginia with lumber and not sure what to do with the land
- Graduating this June and my career path requires experience, which is usually obtained through unpaid internships, which I cannot afford.
- Does paying my credit card more than once a month have an impact on my credit score?
- Pre & Post Retirement Calculator
- Should I pursue a college degree at 30?
- Vanguard account creation confusion
- Paying off student loans or building my EF. Which should I do first?
- (CAN) How To Tackle Debts + Boost Score
- 22, Parents in a hole ($135K), trying to attack it anyway possible. Help!
- Should I be concerned with my fiancé’s career plan as an influencer/blogger? How do I help her make it profitable
- Second Credit Card
- About to start making six figures don't know what to do.
- Being paid under the table.
- I'm 23, with 23k in student debt, and enough saved to get rid of it in ~12 weeks. Is it wise to pay it off all at once?
- I think my SO made a mistake buying a first hand car. How long will she need to own it for it to not be an absolute waste of money?
- What is the "Vanguard" of HSAs? Are HSAs even worth it?
- 62 Yrs Old Parents’ SEP IRA managed by Wells Fargo Financial Advisor and I’m not sure his investments are in their best interest. Please help!
- Former employer has me as "employed" and sending out checks to unknown bank account that I don't own. Only found out because of New Company allows us to check pay stubs through ADP.
- I don't know how much I actually owe in insurance - please help me understand
- How do you know when you’re ready to buy your first house?
| Posted: 10 Mar 2018 06:55 AM PST (I don't know if I should say the name of the company, although at this point they completely deserve it) but last year I bought a single box from this company to be mailed to me. You have to request a box to be charged, it's not an automatic subscription. HOWEVER, I woke up one recent morning to my bank alerting me that I'd overdrawn from my account. I look at the statement and the company has charged me for 3 of their boxes. I got an email from the company saying it was a "server error" and that they'd fix it all same day. So I wait a day. They refund me for ONE BOX. I wait two days. On the morning of the second day I wake up to my bank alerting me again, because the company has charged me again for that box they refunded, as well as a fourth one for good measure. I now have large bank fees for my insufficient funds and I'm kind of freaking out. They owe me $428 for the boxes and the bank fees are $68 and climbing. I've called and called and emailed and emailed. What should I do? I feel robbed! EDIT: Thank you so much everyone for your help! I went to my bank and disputed the charges and got my money back as well as a new card coming in the mail. The company (Quarterly Co.) still hasn't replied to my emails but I'm fine with that at this point. I don't want anything to do with them anymore. Thanks again :) [link] [comments]  |
| Posted: 10 Mar 2018 09:57 AM PST The land is filled with pine lumber trees that are ready for harvest that im assuming might give a good monitary return if I did want to reinvest into it, but I'm torn between selling the land totally or investing in it. I recently went to virginia to see the land for myself and to have the deed changed into my name from my deceased family member's, and would guess ~30-50ft trees. I'm from an urban michigan area, never lived in a rual area and also don't know anything about where to go to have the land/lumber assessed and harvested or much about farming at all - but I'm prettty sure harvesting first is where i want to start though. The local area is mostly rual and filled with farms, and my family has traditionally used the land to partially harvest and replant trees for a small return every 15-20 years. I've just graduated college and I'm not particularly tied to any home/job so moving around is an option for me if I did need to do something longer term for a better investment. I've asked my parents about details of the value of the land, and they have told me the value has recently increased, but I'm not sure by how much only that it is higher than a few years ago. My ideal goal would be to see a more frequent return than a 20yr span rather than selling outright, but again I have no idea what i'm doing so i'm not sure if that will be a viable option. Any help at all would be greatly appreciated! [link] [comments]  |
| Posted: 10 Mar 2018 12:56 AM PST I am senior studying Animal Behavior and wish to pursue a career in Zookeeping and/or training. I currently work part-time at a doggy daycare that is fun, but not ideal and doesn't pay a ton, but I can work here full-time post graduation I am told. I am applying to many zoos across the country, but don't meet the experience requirements they are looking for as I have never done held a keeping position/internship. In college I have been an animal technician for a bird lab, done research and worked hands on with primates at a lab, and led a research project on grizzly bears at a well-known zoo nearby. So I have a lot of research experience, but it is overlooked as it lacks animal husbandry/operant conditioning training, both heavily desired. Majority of zoo internships are unpaid for 3-6 month commitments working typically 32-40 hours a week. I have found some that are 24 hours a week, so I could get another part-time job but I doubt that would pay for rent/other bills. For medical reasons, I don't think I can work more than 50 hours a week. There have been internships that offer housing, as well as a small stipend, but the housing is always public and don't allow dogs, which I of course own a skittish one and have no one close enough to take care of her for 3-6 months. I am seeking advise on routes I should take or other jobs/methods of gaining side cash (such as plasma donations) by June (or September). When I graduate I am expecting to have around $1500 saved up, and I can live in my current place for $700 for the whole summer (rent is usually that much per month where I live) and work full-time to save up more. This is my first post here, sorry for excessive detail or not including certain points. Thank you. [link] [comments]  |
| Does paying my credit card more than once a month have an impact on my credit score? Posted: 10 Mar 2018 08:47 AM PST My husband and I charge everything for the points. I pay off the balance on the card every week or two so the checking account balance is more accurate for how much we actually have. We have great credit scores and we'd like to keep it that way. Edit: grammar [link] [comments]  |
| Pre & Post Retirement Calculator Posted: 10 Mar 2018 03:33 PM PST Starting with the calculator on Is that 15% number made up? post from u/dequeued. I ran with it to add variables for starting age, contribution%, market growth, etc. to model accumulated savings by year. I also added a model for retirement withdrawals by age with an option to change the withdrawal percentage before and after starting social security benefits. [link] [comments]  |
| Should I pursue a college degree at 30? Posted: 10 Mar 2018 07:46 AM PST Back story: I'm a 30yo male working as a supervisor of an IT Service Desk. I make $68K per year. My long team career goals are to acquire a director or executive level position, most likely at the company at which I'm currently employed. I've been with my company for about 11 years, working on both the business and IT side of the house. As I said, I'd like to pursue a high level leadership position, most of which "require" a bachelors degree or "equivalent experience." Should I spend tens of thousands of dollars and 6 years of my life attaining a degree or continue focusing on working hard in my job and hope that the experience is enough? [link] [comments]  |
| Vanguard account creation confusion Posted: 10 Mar 2018 04:13 PM PST Hey all, I just visited Vanguard.com as a first time user to invest money in a new Roth IRA. The process to do this as a first time user was quite simple--after 10 minutes, I entered in my personal info and linked my bank account for Vanguard to withdraw the investment amount I chose. Now for the confusing part--after I accepted the agreements relative to my investment, I was brought back to the home page. I then clicked 'log in' to see my new account, and realized that Vanguard never had me make a username or password throughout the process. And to add to the confusion, I clicked "Need log on help?" and entered my personal information, only to have the website tell me that "We're unable to find your account with the information you provided." Am I missing something here? The website is quite vague. I am thinking that perhaps I just need to wait a few days for my investment confirmation, and once that happens I will be able to make a username and password? Thanks for the help. [link] [comments]  |
| Paying off student loans or building my EF. Which should I do first? Posted: 10 Mar 2018 01:04 PM PST My goal for 2018 is to pay off the remainder of my student loans. I have about $11k in student loans that I could have paid off by the end of the year, Lord willing, if I throw all of my extra cash at these loans. The highest interest rate on one of my loans is 5.06% ($2.7k balance as of now). I have been so intense at paying off these student loans, per Dave Ramsey's Baby Steps program, that I haven't even considered the alternative: taking that extra cash and building a 6 month emergency fund instead, which would be about $12k (even though it's against the order of the DRBS program). What should I do? Put all of my extra money at my student loans, or build my EF? I make $30k a year, but live with my parents and want to move out soon. [link] [comments]  |
| (CAN) How To Tackle Debts + Boost Score Posted: 10 Mar 2018 05:43 PM PST Hey all, I got great feedback and tips from my last thread in regards to the blemishes I have on my credit report. I am wondering in what order I should tackle the debts? Highest to lowest first, or lowest to highest first? I have 2 credit cards that are in collections but not sent to collections specifically under "collections" tab. 3 other bills in the "collections" tab, one of them being a credit card that was written off to $0 a few years ago. And after paying these debts in the specific order, what should I do to begin to re-establish credit? I have a secured card with on time payments in full for 13 months and counting, am working on keeping utilization now under 30%. Thanks in advance! [link] [comments]  |
| 22, Parents in a hole ($135K), trying to attack it anyway possible. Help! Posted: 10 Mar 2018 04:38 PM PST Hello, I went home for a weekend away from school to help my parents out with taxes. After a hair tearing experience I finally got my parents to share they have about $80k in their mortgage and $55k in credit card debit refinanced into a home equity loan. Unfortunately, I think they bought too big of a house in their time as I am an only child but its a 3 BR 2 Bath and unfortunately I can't seem to understand how they've accrued all of the credit card debt but from what I've understood their income just doesn't keep up with the cost of life. My Mom makes about $40k a year doing security work and working a lot of OT. She unfortunately has to commute a lot and is in a manager type of role but is stressed from managing people that are no shows or just apathetic towards everything. I think she's tried to look else where for work but the pay just doesn't match when she's getting $15 a hour. My Dad is in his late 60s and is collecting SS. Doesn't really do much besides house keeping and watching TV. I don't believe my parents spend too much at all. They could probably be cheaper with food but they make everything at home and occasionally eat out at fast food. My Mom's only entertainment is digital puzzles on some smaller, cheap tablet my Dad got her for Christmas. I'm going to graduate this Spring. I've racked up some debt but I've been keeping afloat by being self employed with an online business. My parents kind of help because they can't put any money towards my tuition. I'll probably have about $30k of debt coming out of school but it is also money I've been investing over and over into my business as the returns far out weigh the interest I've been gaining. The loans came in for roughly my first two years but I've been able to pay off expenses and I've curbed my spending after a foolish year. My parents are getting older and I just can't seem to figure out a way for them to hit this - and with as a large amount as they have I think they've all but lost hope of ever paying it all off. My Dad somewhat keeps a budget and while they can stay afloat maybe $1000 a month, that ends up being their emergency fund to cover any surprises which always seem to come up. I have been looking for work anywhere and have considered that many high paying jobs could be out of state but I've also considered working and living at home with home and also taking care of my side business to cut my expenses and generate as much income as possible. My biggest fear is if my Dad decides to reverse mortgage the home. It has never gotten to that point and I've insisted many times if they need a payment to get by to immediately turn to me as I could cover it or use my own credit to cover it but I fear that one day he might do it because he hates seeing my Mom work so much when it doesn't feel like it's getting anywhere. My parents have said they'd like to leave their home for me as I'm the only child but I get anxious with such an uncertain future ahead. My Mom is absolutely furious because we've had to pay the penalty for not all being fully insured on our taxes and I feel she's going to make decisions that will ultimately jeopardize them further. My only idea is to get them to help with my business further, but it has been difficult at times when I'm away at school dealing with everything else that is on my plate. I can also bust my ass more if I can live at home while working at a job and on the business. I'm hopeful, but I feel that being their only child coupled with their recent disdain towards money makes them less likely to be on board on attacking this harder. They also haven't wanted me to ever think about their situation, but I want to be a part of the solution. I grew up being raised in a gas station because in their prime they managed a local chain before competition killed off the franchise owner's willingness to continue. I feel they've had to deal with people that were probably worse than shitty to put it kindly and my Mom's side of the family isn't really the best towards my parents. Sorry, if you've read this far it's probably been a hell of disorganized mess of thoughts and unnecessary emotions but hell even typing it out takes some of the stress away. I've never really had my attitude towards life influenced by these circumstances, as I've always felt that others could have it worse than me. But I know no one in my circle knows what's going on as I keep a float at school. Thanks for reading, any thoughts or ideas as I try to figure out my next steps forward as these two months come to a close is appreciated. [link] [comments]  |
| Posted: 10 Mar 2018 09:54 AM PST I'm not sure if this is where to ask about this but I'm just looking for some guidance if anyone is familiar with this realm of work. Some quick stats up front: I have my bachelor's degree and she will be finishing hers in the next couple months, I am currently in the army as a commissioned officer. Our initial plan was for her to go to grad school to become a voice teacher (she's getting her bachelor's degree in vocal performance) but with our location it's difficult to find somewhere with a decent music program. So far she has take steps to start her personal blog, she's created the site and posted a few articles. She's also tied her instagram and Facebook to the site and has a "business" profile for each of those now. She's had a few companies reach out, but usually when they want to work with her they just offer to pay her with a discount in their online store or with free products that they supply. My concern is that she's being taken advantage of, that this type of career won't turn profitable and that the only "payment" she receives will be in the form of free swimsuits and discount codes. Does anyone know how this business works? Or how to make it work for us? I want to try to be as supportive as possible but this is uncharted territory for me and I fail to understand a lot of it. [link] [comments]  |
| Posted: 10 Mar 2018 01:51 PM PST I have Discover for past six months with credit score of 702 Equifax and 717 Transunion. I was reject for Chase Freedom lost month with 705 Equifax and the reason being " Not enough accounts opened long enough to establish a credit history' And now I am in the marker for second card Citi Double Cash and I have credit history since 09/17 so I am unsure whether this card also would be rejected as well. Credit Karma says for DC approval odds being poor and Citi Diamond Preferred being Fair. I called recon line of Chase and they advised to have year worth of credit history and 1-3 cards in the file. So should I go ahead and apply to Citi Diamond instead of DC and convert into DC? All I card about in CC is a cashback and auto rental insurance. I would apply to Chase six months from now but I don't want to waste not building my credit history either so I am looking to open a new line. Any suggestions would be greatly appreciated. EDIT I blasted bunch of apps today and got busted. ]Citi DoubleCash/Diamond Preferred Not Qualified. Guess too new account would be the reason. WellsFargo Case Wise Wait for 7 to 10 days to know the status. CaptialOne QuickSilver (Not one) Wait for 7 to 10 days to process the app. I was pre qualified for QuickSilver One but I didn't apply to it. Incase these two rejects i would call recon and ask for one else I would wait for six months before I hit next streak of applications. [link] [comments]  |
| About to start making six figures don't know what to do. Posted: 10 Mar 2018 04:50 AM PST The backstory I hope you guys don't mind. I'm about to graduate professional school in two months and will begin making 125,000 a year. I am 27 and will have 245,000 dollars in debt, however, I have been accepted into a loan forgiveness program sponsored by the government which will pay off 120,000 over three years tax-free (It isn't counted as income for me). I own my own car and don't plan on buying another. I've only ever lived off very little I grew up well under the poverty line and spent about five years homeless as a teenager. I want to start doing the right thing with this and investing but I don't even know where to start. There's this guy from North Western who is trying to get me to do personal financing with him. Should I just go along? I'll be moving to a smallish city when I graduate and have estimated my rent for a decent place to be 1000-1400 a month. I'll be going from living on less than 15,000 a year to six figures and I want to avoid any pitfalls if I can. I'm not interested in toys or new cars or things like that. [link] [comments]  |
| Posted: 10 Mar 2018 01:36 PM PST I just have one pretty basic question. If you're being paid under the table and your employer doesn't pay you is there anything that can be done legally? [link] [comments]  |
| Posted: 10 Mar 2018 03:59 PM PST I have the same question as everyone else. What do I do with my money? Long story short, I've been living better financially than I ever have been after years of scraping by:
However, with all this savings I've been doing, I'll have enough to completely wipe out my debt of 23k in 12 weeks all at once instead of waiting another two years. All of the interest on it is 4% or less. I really want to get this monkey off my back, are there any unforeseen consequences to just paying off all of it at once as a single payment? Will this hurt my credit, or anything else like that? Or, should I just wait, keep making payments every month, and get into other debts that will be more monthly payments- house and car- and just juggle all three at once? Thanks! [link] [comments]  |
| Posted: 10 Mar 2018 03:58 PM PST I'm not 100% on how car depreciation works. Assuming she'll eventually flick it off on her own (not going through a dealership) how long will she need to own it to minimise the loss in value? The car is worth around $42000. It's on 60 month term at 3% interest p.a. She paid zero deposit. She's paying $760 per month. I have no idea what the cars value is used. It's a 2017 Nissan Qashqai, if that helps. She intends to hold onto it for 15 years. [link] [comments]  |
| What is the "Vanguard" of HSAs? Are HSAs even worth it? Posted: 10 Mar 2018 07:07 AM PST HSAs seem nice, but the investment strategy doesn't seem to be a good one with these accounts unless you have good funds or no fees. My HSA charges $2/month to maintain the investment account and on top of that, you need to have a minimum of $1000 before you can invest. I am switching jobs and the new one doesn't look much better, the fees are higher to maintain the account. I currently have $6000 in my previous job's HSA. What's a good HSA to roll all my contributions into? One that has good, low cost funds and has very little/no fees. [link] [comments]  |
| Posted: 10 Mar 2018 05:54 PM PST My parents are 62 yrs old and looking to retire in the next 5 years and they have a SEP IRA with a Wells Fargo Financial advisor. I've been doing some reading on personal finance and am weary whether this person is a fiduciary or not. I really think it's in their best interest to move the money out. So here are my questions: Do you agree? Should they move it out of having the money be managed by a Wells Fargo financial Advisor? What should they consider at their age? Vanguard funds I know have low fees and a good reputation.. any advice on this? Even if somewhat general? How would they go about moving the money once they identify where to transfer? You can't just withdraw and reinvest... it needs to be sent electronically? Or you get a check in hand and they mail it to wherever they invest? [link] [comments]  |
| Posted: 10 Mar 2018 05:54 PM PST I hope I am not wasting anyone's time but this week I discovered two pay stubs that were made out to my name and also has the last 4 digits of my social security number. The bank account being direct deposited to is not any of mine. The only reason I found out was because I am enrolled at my new company with ADP Mobile and it tracks all companies that use ADP. I have not worked with this old company for over a year. What I find weird is that if they "re-hired" me then I would have received a physical check in the mail before any direct deposits. I really do not know what to do besides either calling a Lawyer or calling the old company's HR department. The HR department for the old company is not a good one, the older HR department was all replaced for some reason. The new HR reps were also shady before I left (Not deducting correct vacation times as well as not documenting events when complaining about upper management). [link] [comments]  |
| I don't know how much I actually owe in insurance - please help me understand Posted: 10 Mar 2018 05:47 PM PST Hi r/pf. This past January my wife and I had our first child. She is beautiful and makes our lives full of joy. When she was born, although full-term, she was sent to NICU for 5 days because they found blood in her lungs and had to monitor her. She is perfectly healthy now! Of course with this came some concerns on how much we will owe...we have insurance through my employer. We quickly added her to our insurance after she was born, and we have Out-of-Pocket Limits of $11,000 with $5,000 deductibles for the family. When looking at the insurance company screen, it shows below: Total Charge : $73,127.09 Network Savings : $46,946.26 Paid Provider/Subscriber : $16,965.77 "You Paid" : $9,215.06 First question is, I don't know what this "Paid Provider/Subscriber" is about. Not sure where this money is coming from or who exactly is paying for this amount. The next and the biggest question, is the "You Paid" section - we have not actually made any payments yet. When I check the total balances, it shows that out of $11,000 Out-of-Pocket Max, $10,0029.73 has been met and we have $970.27 left to meet the max for the year. Just yesterday we received a bill from the hospital for $3,334.23 which matches one of the "you paid" balances. I honestly don't know a lot about insurance and I am starting to freak out a bit. If I truly owe this $3,334 and it's just a beginning of the bills I am about to receive, there is no way I will be able to pay it all. Can someone give me an advice on what this all means? thanks. [link] [comments]  |
| How do you know when you’re ready to buy your first house? Posted: 10 Mar 2018 12:15 PM PST Need advice. 25y/o, make around ~40k a year. Currently about $10,000 in debt, not including around $9,000 left on car loan. Down payment wouldn't be a problem, but considering my debt to income ratio, would I even qualify to buy a house? The way I'm looking at it, it SEEMS it would be cheaper paying a mortgage vs renting another apartment. Pretty much don't know what to do at this point. Any and all advice/insight would be greatly appreciated. [link] [comments]  |
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