Personal Finance If you’re ripped off by Comcast (or any internet company), Wells Fargo (or any bank/student lender), or Aetna (or any health insurance company), here’s how to get your money back. |
- If you’re ripped off by Comcast (or any internet company), Wells Fargo (or any bank/student lender), or Aetna (or any health insurance company), here’s how to get your money back.
- My family is very poor and my dad just died. What steps do I need to take?
- Mother died suddenly leaving us orphaned and without funds
- What jobs are known to provide pensions anymore?
- Girlfriend owes 10k to a "college" that went bankrupt
- Monitoring / freezing your child’s credit report [Dallas Morning News]
- Selling our first home. Seeking advice on tips/tricks to know, or anything you wish you knew when you sold your first house.
- Why is 6-7% an acceptable return assumption for retirement planning, when funds are more conservatively invested in retirement?
- Planning to save $12,000 by end of this year...
- My father just passed away. As the oldest son (23) how do i make sure my mom (44) and sister (15) are well taken care of?
- [California, USA] Need advice on how to manage 300k student loan debt.
- "live a little" vs save everything
- I have an extra $100 to put towards debt each month. Which form of debt should I put it towards?
- Married and we claim 0 with children and still owe?
- How to make sure I don’t come out with nothing.
- Question about paying off past due tax debt
- Found out my company severely underpaid my federal taxes despite my W4 claiming 0 AND opting to pay extra. Doing my taxes now and I owe big, who's fault?
- PayPal hacked even with 2FA on
- Australian. Just married. Received generous cash present from friends & family. What do?
- Benefits of a credit card?
- Tax Fee for Health Insurance for the Year of Marriage
- Side Gig Question
| Posted: 01 Apr 2018 03:37 PM PDT WOW! Thanks for your votes and gold and sweet notes. Adding more resources below and an ask to share this post with people who might need it. — All of these companies are regulated — a government agency is paid by your taxes to make sure you're not ripped off. These companies also rip you off in small amounts in part because they assume you won't do anything about it. When you complain about it to the government agency that regulates them, they not only fix your problem but if enough people complain, they'll fix the whole system, which helps other people. The types of problems could be billing (they overcharge you), service (you're not getting what you're paying for), unfair and deceptive practices (you were tricked) or more. All of these complaint systems work in 2 weeks or less and it's awesome. It's sort of crazy more people don't know about them. Internet: https://consumercomplaints.fcc.gov/hc/en-us/requests/new?ticket_form_id=38824 Banks/student loans/credit reports/debt collectors etc: https://www.consumerfinance.gov/complaint/ Health insurance: Google "[state where you live] health insurance complaint" and select the government agency that will let you file a consumer complaint. It's usually an insurance commissioner. Here's the form for Texas for example: http://www.tdi.texas.gov/consumer/complfrm.html#four Cable: https://consumercomplaints.fcc.gov/hc/en-us/requests/new?ticket_form_id=33794 Cell phone: https://consumercomplaints.fcc.gov/hc/en-us/requests/new?ticket_form_id=39744 Other company (home security system, eBay, Amazon, contractors): google "[your state] attorney general consumer complaint." If you're not sure where to complain, share your issue in the comments and I'll help you find the right spot! [link] [comments]  |
| My family is very poor and my dad just died. What steps do I need to take? Posted: 31 Mar 2018 09:56 PM PDT My dad just died. We're very poor. He's been sick for a while but very sick for the last month and he hasn't had a source of income for years and didn't have enough "work credits" to qualify for disability or whatever. He was living in a roach-infested trailer that he built himself along with two homeless ex-cons he had taken in (who had nowhere to turn) that would be considered condemned if it were anywhere other than a remote rural area. He lived with my mother and my grandmother. My grandmother suffers from a severe case of paranoid schizophrenia and my poor mom was taking care of them both while working a very poorly compensated job, from which she had taken a break in recent times to care for him. Their only source of income aside from my grandmother's SSI is me, which isn't to say much. The house and land are paid off. There are no savings. He was a lifelong alcoholic and he couldn't qualify for life insurance by the time it was deemed to be necessary. All that he asked was to be cremated and buried in the back yard alongside our Rottweiler. What's next? What do I do? I'm sorry if I haven't given enough information. What information can I provide to better facilitate useful responses? Edit: Probably a bit late but this is in Mississippi. [link] [comments]  |
| Mother died suddenly leaving us orphaned and without funds Posted: 01 Apr 2018 05:19 AM PDT My mother passed very quickly 2 days ago and was incredibly disorganised in all of her finances. We can't find any insurance information, any information on possible lawyers, the will we have found is 22 years old and terribly outdated. I have very little money/ only several thousand in available credit. Thankfully we live in Ontario Canada so we don't have to worry about the medical costs of the multiple procedures taken in the last few days to attempt to save her life. I'm fairly young(24) and have absolutely no idea where to start, with 2 younger brothers now in my care. We know she had a mortgage(can't find how much is left) and have found she owes about 10k to revenue canada. She was the CEO of a company/website she was trying to get off the ground and we have found bills for work done for 7000. Her car appears to be paid off. We have found multiple credit card and debit cards all around the house. I don't make much and work out of province in a seasonal job so have a few weeks of EI available but not much. She was recently fired from her position as a RN suddenly and on what she believed to be false grounds. And know she was in the process of filing grievance with plans to sue the hospital she was employed at for wrongful termination. I have no idea where to go from here. Any help would be greatly appreciated. [link] [comments]  |
| What jobs are known to provide pensions anymore? Posted: 01 Apr 2018 09:24 AM PDT I hear a lot where I live in the US about pensions getting cut a lot for people. My grandparents were a firefighter and a contact lens quality checker and they were both able to retire w/ full pension at 50 & 56 y/o respectively. [link] [comments]  |
| Girlfriend owes 10k to a "college" that went bankrupt Posted: 01 Apr 2018 05:43 PM PDT She attended a private for profit "college" to learn to become a dental assistant. After two years of attending the school claimed bankruptcy and shut down. It was named Anthem. She wasn't able to transfer anywhere, nor get work as a dental assistant. She owes about 10k now. Does she have any legal recourse she can take to forgive the loans? It's all pretty upsetting as the 'school' got to claim bankruptcy, but the students still have to pay. Even though she doesn't have a degree or transferable credits. She had perfect attendance and grades. [link] [comments]  |
| Monitoring / freezing your child’s credit report [Dallas Morning News] Posted: 01 Apr 2018 01:59 PM PDT Dallas Morning News published a good article in today's paper discussing reasons to freeze your child's credit and ways to do it (+ challenges). [link] [comments]  |
| Posted: 01 Apr 2018 03:14 PM PDT Repost due to request from mod... apparently old title sounded like a poll. So we are selling our first home. What I'm wondering from those folks much smarter than me, is what I should be prepared for and what are some things you wish you knew before you sold a house. Tips and pointers are very helpful! Here are some of the details:
I suppose I have questions regarding the realtor side of things too:
Any other tips regarding how to maximize the profit on sale, or things you wish you knew before you sold would be oh-so invaluable. If this is the wrong sub, I greatly apologize! Looking forward to hearing what folks have to say :) [link] [comments]  |
| Posted: 01 Apr 2018 01:15 PM PDT My understanding is that the S&P average return (and the like) is ~10%, so minus inflation, we assume 6-7% when calculating how much we'll have at retirement, and the safe withdrawal rate in retirement. But shouldn't we expect a lower rate of return in the years approaching retirement age (and during retirement) due to asset reallocation? [link] [comments]  |
| Planning to save $12,000 by end of this year... Posted: 01 Apr 2018 01:39 PM PDT Little about me. I'm 20, active duty military (E3). I put in 8% of Roth tsp each month and I'm saving $900 each month to meet my end of year savings goal. I want to move forward with this, as in not just letting the funds sit in my savings account to reduce inflation catching up. I know I could place in the stock market, however, I'm not too knowledgeable. Any advice? [link] [comments]  |
| Posted: 01 Apr 2018 04:46 PM PDT Hi all, as the tittle says, my father just suddenly passed away. I am currently studying in a different country to where they live, currently waiting for flights to go home. Luckily, my parents had done pretty well financially until now (not millionaires but enough to be comfortable). Given my downtime at the airport, thoughts creep in into the following steps of taking care of the family. Im just asking for general advice (specially since this case is non-us). And if any of you have experience living in a different country to your loved ones and dealing with this i'd like to know. Also, as a gentle reminder to keep your health in check and tell your loved ones you love them. thanks. [link] [comments]  |
| [California, USA] Need advice on how to manage 300k student loan debt. Posted: 01 Apr 2018 09:48 AM PDT I have about $320,000 in student loan debt from law school; I consolidated my loans (all which are federal Dept. of Ed. loans) with Navient at a 7.25%interest rate. I was paying $688/ month on the income-based repayment plan; my application for renewal was just approved again for 2018 and I am waiting from Navient to re-calculate my monthly payment (I'm not delinquent). As of now, my monthly payments are not even close to covering interest. I graduated in 2013 with less than 200k in student loan debt and it has ballooned since then. I take home about 6k/ month after taxes. My apartment is 1500/ month (cheap for Orange County), and my car payment is 388/ month. My other fixed monthly expenses include cable ($150), utilities ($80), car insurance ($70), and my current loan payment of 688. After a few other miscellaneous expenses (granted, probably spending more than I should be--for example travelling to visiting my family across the country about twice a year), I'm saving about $1500/ month. Here's my question: Does it make more sense to stay on the Income-Based Repayment plan to qualify for loan forgiveness after 25 years, or should I buckle down and dump $3k/ month into paying off my loan for the next ten years? Any advice concerning how to tackle this gigantic debt is welcome :) [link] [comments]  |
| "live a little" vs save everything Posted: 01 Apr 2018 11:24 AM PDT Basically im curious how to find the correct balance of saving everything vs enjoying the money now. specifically in the situation after satisfying the recommended emergency fund, minimal to no debt, and retirement savings. Obviously its financially best to save anything extra for investments or other passive income streams but on the other hand tomorrow isnt guaranteed and the number of zeros in the bank when you die doesn't really matter. im struggling with balancing the idea of using extra money trying to become wealthier vs reaching a safe level of wealth/ retirement security and then enjoying anything extra. how do people tend to balance this? [link] [comments]  |
| I have an extra $100 to put towards debt each month. Which form of debt should I put it towards? Posted: 01 Apr 2018 05:01 PM PDT I have credit card debt (I'm already putting about $500 towards this a month)($9,000 20.74%) a personal loan ($6,250 7.865%) student loans ($22,500 5.9%), and a mortgage ($104,000 4.5%). Where should I be putting this extra $100 a month? [link] [comments]  |
| Married and we claim 0 with children and still owe? Posted: 01 Apr 2018 03:06 PM PDT So as the title mentions I am Married and filling joint. We make combined around 77k. This year we had our second child, but when I go to file my taxes its telling us we owe around $500 on federal. We both claim 0 and our filing is almost the exact same as last year accept the 2k raise we got. We are wondering how this is? We did not move up a bracket and gained a child and yet we owe compared to last year when we received $1400 from federal Can anyone help explain this to me? [link] [comments]  |
| How to make sure I don’t come out with nothing. Posted: 01 Apr 2018 04:25 PM PDT Hello guys I'm new to this subreddit so I'll try to keep it short and sweet. I am 19 and joined the army about 6 months ago. A huge concern for me is making sure that I don't come out with nothing. I want to have my money make money for me, even with the little money I have. As I am just an E-2 currently, I make about 750 every two weeks with only a cell phone bill and car insurance to pay for. I am coming up on a $16,000 bonus soon too so I would like to save most of that too. To the point, I am looking for advice on investments or "retirement" plans that I can invest my money into to make sure I have a decent amount saved when I get out, whether that be in 4 years, or 20 years. Thank you to everyone who responds or reads! [link] [comments]  |
| Question about paying off past due tax debt Posted: 01 Apr 2018 06:37 PM PDT Hey guys, So here is my story. I owe taxes from last year still and I just had my taxes done for this year as well. I owe about $1500+ now for last years taxes and want to start paying them off now that I have a job again. I was wondering if it would be best to start up a payment plan with the IRS to avoid and garnishments or levies on my bank account? Or could I just simply start sending chunks of money to the IRS each week/month of whatever I can afford at the time? For ex. Sending $150 one week and $300 the next if my budget allows it? Also if I cannot pay off this years tax debt right away should I put as much money towards this years first before making payments towards last years debt? Or should I just let this years go into collections as well and it will all add together? Like will last year and this year combine to make a total that I owe the IRS? Or are they separate since they both have different interest rates so they are different entities? Last years debt is about $1500-1600 now and has collected interest for the past 12 months, and this year is $865. I have a child on the way so trying to save as much money as I can during this process so I am seeing what the best way to approach this is. Thanks for any help! [link] [comments]  |
| Posted: 01 Apr 2018 07:46 PM PDT I'm just doing my taxes now and am hit with a huge 13k tax bill which I find out is because my employer only decided to pay $85 per pay period to federal. I claimed 0 on my W4 and added an additional $85 per pay as extra withholding because to cover myself from owing. This is my only source of income, no capital gains, no property, etc. Just my one job. I have access to my original W4. $90k salary plus commission, paid twice a month. What I don't know... Is this my fault for not examining my pay stubs or is it my employee fault for entering my tax info wrong? I'm hoping to get some good information on this before asking my employer what happened. This really sucks I have a family and am used to getting money back at the end of the year because I over pay, this is a huge problem right now and I can't agree at the moment that it could be my fault. [link] [comments]  |
| PayPal hacked even with 2FA on Posted: 01 Apr 2018 06:00 PM PDT Well it happened again... After my last incident with PayPal I took what I thought were appropriate measures to secure my information. I removed my bank account, changed passwords and enabled 2FA. Well last Thursday I woke up to notifications that payments had been sent from my PayPal credit account and also my linked cc. I immediately contacted my cc issuer and reported the fraud and then called PayPal to report the activity. I explained to them that I had no knowledge or involvement with the charges and they opened a dispute. Today I received notification that my case was denied as there were refunds pending from the vendor that received the payment. This is reflected on my account and the rep at PayPal assured me that the money would be refunded in 3-5 days. What concerns me is how was someone able to access my account, issue cash advances on both my PayPal credit and cc all without my 2FA ever going activating? I never got the text code to login at the time of the transactions, yet the rep said that several minutes before the transactions "I" satisfied the 2FA challenge and authorized the transactions. The timeline is strange also on the charges and is as follows. Both instances followed suit with slightly different times.
As you can see the refund occurred first, followed quickly by the payment. I can only assume the refund is issued first to ensure the availability of funds for the subsequent payment. I can only assume that the "refund" is part of the hack and won't actually be returned to my account. I guess I'll find out in a few days. And yes I plan on unlinking all of my accounts and closing the PayPal credit account once this is resolved. [link] [comments]  |
| Australian. Just married. Received generous cash present from friends & family. What do? Posted: 01 Apr 2018 07:21 PM PDT Hello kind strangers, as per title, Australian, married recently, received from friends and family an extremely generous (in our eyes) cash present of $1000 < x < $9000. I refuse for it to be spunked up the wall stupidly, so I'd greatly appreciate some constructive advice please. Options:
I am more partial to option 2, because in reality, we are better savers when the savings account is detached from our "everyday" account so we don't get tempted with withdrawing small amounts for little, frequent, unnecessary pleasures. I'm also a little skeptical about the dent options 3 or 4 could make in the mortgage, seeing as how the mortgage is ~84 times larger than the gift. Disclaimer: I am no financial guru in any remote sense of the word, and I understand we should seek professional financial advice, but you clever little minxes might give us some great ideas and avenues to check out. Thanks in advance guys and gals. [link] [comments]  |
| Posted: 01 Apr 2018 12:37 PM PDT Let's say a card has no annual fee and 2% cash back on groceries, would it be better to pay via credit versus debit? Or is there some hidden fee I'm missing. [link] [comments]  |
| Tax Fee for Health Insurance for the Year of Marriage Posted: 01 Apr 2018 08:05 PM PDT My spouse and I married in the latter half of 2017. My spouse did not have health insurance prior to marrying, but was added to my health insurance immediately upon marriage. Turbotax is stating that we owe a sizeable penalty for her lacking healthcare prior to our union when filing jointly. SO did not make enough money to cover the required minimum plan prior to marriage (i.e. the cost would have been greater than 8% of income), but I did not see a way to waive the fee while filing jointly. It seems that if my spouse filed independently we would qualify for a waiver, but to file jointly we will be required to pay the fine. Is there any way to reduce the penalty due to the inability to pay for insurance prior to marriage, and the immediate uptake once afforded? [link] [comments]  |
| Posted: 01 Apr 2018 07:59 PM PDT So I am currently working a proper job, I get my w2 from my employer and file my tax returns every year. I am planning on doing a bit of side work proof reading/editing, and probably a little bit of writing by commission. I am not doing this to make a ton of money, this is mostly to help improve/maintain my writing skills. Would charge just a couple bucks and don't expect to make over $100 over a years time. The money made would be in a pay pal account. My question is do I have to include this money when I do my taxes? I honestly expect to maybe make 50 bucks at the most. Thanks! [link] [comments]  |
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