Personal Finance Had an interview, had me pay for the flight, said they’d reimburse me, they have yet to pay me |
- Had an interview, had me pay for the flight, said they’d reimburse me, they have yet to pay me
- Speaking with my parents this weekend about my father's end-of-life plans. What are some important questions I should ask?
- Car accident. Never been in one before.
- If you struggle to find work go talk to the temp agencies
- I have money in a savings account doing nothing for me. I would like to invest but I am completely new to it. Help appreciated.
- How can an 81 year old say goodbye to working at a gas station in Iowa?
- Total noob buying first car on $2200 per month salary; a few questions
- Sister passed away last week at 32yrs old and I don’t know how to setup a education fund. I need help.
- Went to france. Woke up this morning to find out that all of the money that i have spent so far has been refunded to me and the charges that have i have made have disappeared from my banking statements. More info below...
- New job, more money - balancing student debt strategy and retirement
- Received a refund in excess of $500 today in my PayPal account?
- Can anyone ELI5 the Vanguard patent where it's ETFs are a share class of their mutual funds?
- I just got a new job after quitting my old one. Am I suppose to do anything with my 401k from my old job?
- Dilemma: Getting promoted to manager but will be paid less
- Salary - Supervisor Had Me Take a PTO Day Without Telling Me - I Worked
- Is it good to have paid using stock.
- What options exist for my young step-nephew?
- I'm going to have a surgery in August not covered by insurance - what is the best way for me to pay for this?
- Best way to max credit score in around 3-4 years?
- Was recently fired. Just filed for unemployment for my first time and have some questions...
- [US] Stuck at current position for over a year. What should I do?
- Besides expense ratios, is there a reason to pick one stock market index fund over the other?
- Irs garnishment
- help - just got charged ~£300 for electricity bill that was from 2012
| Had an interview, had me pay for the flight, said they’d reimburse me, they have yet to pay me Posted: 27 Jun 2018 08:46 AM PDT I had an interview for a company on May 18th, I have email correspondence that says they want me to buy the flight to the interview as they do not want my personal information or to mess up the flight scheduling, but they will reimburse me for the flights cost. Whatever, figure that's a normal~ish thing to occur. I go to the interview and we we are not on the same wavelength, so I knew it wasn't going to work out as did they. I called them two weeks ago and asked when I was going to get reimbursed for my flight, they said they were still working on it. Is there a specific time I should wait for this reimbursement? What are the steps I should take if they just never send anything back to me? Maybe I'm overreacting, but I gave them the price of my flight well before I even went to the interview, so they've known the cost of it for nearly two months now. Just seems a little off to me. Edit 1. Sent an email out to the person I was in correspondence with previously asking for an ETA. Will update on how she responds. Edit 2. Because of some comments made I'll clarify some things. I've already accepted a position at a different company. I heard about this company through my friend who was trying to do business with them. So can't exactly burn bridges here, but am more than willing to write a Glassdoor review on the interview process if this drags on. [link] [comments]  |
| Posted: 27 Jun 2018 09:55 AM PDT My father is in his early 70's and has a number of chronic health problems. My mother is in her early 60's and is in better health. My mother and I have expressed concerns that my father may be showing early signs of dementia. The last time I visited, he almost seemed lost in his own kitchen for a moment. I believe that his father, my grandfather, had dementia in his old age. To be fair, my father is usually pretty sharp, but there have been enough "senior moments" that my mother and I have expressed concerns to each other. I don't know much about my parents' financial situation, but I do know that my father has a pretty decent pension. My mother also is vested in a small pension, but she's not done working yet. I believe they only have about three years left on their mortgage. I'm going to be speaking with them this weekend about my father's end-of-life plans. What are some important questions that I should ask while I have this opportunity? UPDATE: Wow! I did not expect this much advice! Thank you everyone! I should also note that my parents have consulted with an attorney about this, but I don't know any details. That's why I wanted to talk to them. To see what their plans were. [link] [comments]  |
| Car accident. Never been in one before. Posted: 27 Jun 2018 09:27 AM PDT So long story short I I rear ended a guy and the only damages were to my front grille as all that I hit on his truck was his hitch. I gave him all my insurance info he refused to share his. He didn't call the police or take any pictures at all. I at least took some pictures. Today I just got a call from him asking for 300$ and to sign a paper saying it was my fault. I told him no, as that didn't come across as right to me. Did I do the right thing? What can I expect to happen with my insurance payments etc? [link] [comments]  |
| If you struggle to find work go talk to the temp agencies Posted: 27 Jun 2018 01:30 PM PDT I've never had a problem getting work with temp agencies and usually it pays better than stuff you can get on your own. They can find you any kind of work from labour to office jobs, and as long as you posess the basic required skill you'll get things quickly and you'll get things that pay relatively well. You can also ask for different assignment lengths, from 1 day to 1 week, a few months or permanent depending on what you need. I usually get jobs that pay between 12 and 13 dollars an hour with the occasional job that pays 16-20. Sometimes you even get stuff that pays multiple thousand dollars per week if you have a good relationship with the agency and they know you can make shit happen. But as with anything you never quite know what you're going to get. My best day was $400 in one day, my worst day was $50 in one day. But if you're having trouble finding a job head down to an agency and you might be able to find something good. They're also good with people who might have made mistakes and have a felony on record, if that applies to you. And one more thing, if you chose to do shorter assignments it'll decorate your resume really well and show potential employers that you know a few things. I've done everything from fire recovery and demo on a house, to both commercial and residential moving jobs, to industrial construction, to jobs that allowed me to operate cranes, forklifts and heavy power tools. [link] [comments]  |
| Posted: 27 Jun 2018 07:50 AM PDT Hello, so as the title says, I've been saving for around 5 years so I managed to get a substantial amount of money. However, I never invested in anything so this money just sits in a savings account that has an interest rate of 0.05%. I would like to have more growth from this money as this rate is very little and I'm not using this money, or at least I won't be using most of it, let's say in the next 5 years. I must admit I have absolutely zero knowledge about investment or anything related to it for that matter. Meaning that if you could reply like explaining it to a 10 year old will probably work wonders :) Hope it is enough information, Thank you for your time! [link] [comments]  |
| How can an 81 year old say goodbye to working at a gas station in Iowa? Posted: 27 Jun 2018 07:18 PM PDT He isn't eligible for social security, welfare/food stamps, Medicaid and other benefits because he isn't a US citizen. His last remaining relative died in Eastern Europe almost 20 years ago so he has no relatives who can help him. Sadly, he has no savings. [link] [comments]  |
| Total noob buying first car on $2200 per month salary; a few questions Posted: 27 Jun 2018 11:19 AM PDT 25, living in the southern US. Have never owned a car and am tired of taking Lyft everywhere. I know almost nothing about cars, but from what I've read, it seems a post-2009 corrolla or kia would be good? I'm scared to go to a dealership as a nooby-looking woman buying her first car, but it seems that would be the way to go for peace of mind regarding quality. Also, how much should I expect a used kia or corrolla to cost? I don't care how "lame" my car is, I just want something dependable and safe. [link] [comments]  |
| Posted: 26 Jun 2018 09:36 PM PDT My sister passed away, We were very close and I have a calling to help complete a dream she had for her daughter. She wants her to have the opportunity to go to her high school Alma mater. We are planning memorial events, fundraisers and collections and I just don't know how to set up the funds correctly to benefit the recipient and the donors Details: We have 6-7 years between now and her first day at high school. We're estimating cost with inflation to be around 80k for tuition for all 4 years of high school. We want to shelter it with the beneficiary being the daughter and managed by a parent of my sister. We want donors to be able to write it off as a tax deduction and also any growth to be tax exempt if possible. It needs to benefit the daughter directly. We want the money to be flexible in its use but will be geared towards high school education. Notes: We have been recommended a 529 or establishing a non profit however after speaking to advisors and legal council I still can't make peace with knowing these are the only options available and neither give me what I'd like. Any help would allow me to honor my sister and definitely change her daughters life in the future. Thanks [link] [comments]  |
| Posted: 26 Jun 2018 10:27 PM PDT I am currently out of cash on hand. Bank in the US is closed until late in the evening and I would really not like to waste a day in Paris if possible. I did call the bank and let them know 2 weeks in advance that I would be traveling to Paris and they told me that they would put a note in. I haven't received any phone calls about my account either. I was making sure that I was still on budget this morning when I saw the charges were gone. They were there yesterday. I am worried that they have suspended my card and, as of yet, unsure if it works. What can I do about this? Do I have to wait for customer service to open in the US? Are there any other options? Update. Thanks for all of the good ideas and suggestions. Turns out my card let me withdraw a little bit of euro which will hold me over till I get a chance to call customer service. I really appreciate all of the information and positive encouragement. [link] [comments]  |
| New job, more money - balancing student debt strategy and retirement Posted: 27 Jun 2018 08:55 AM PDT Hello, Brief background: I'm 25 years old and I graduated university 2 years ago. I work in technology and, recently, made the decision to leave my first job out of school to take a senior engineering position with a significant pay raise. During my time as an engineer at my first job I put in a ton of extra time to learn and get involved in as much as possible so I could accelerate my upward movement in order to tackle my significant student loan debt. Up until this point I have not contributed any money to retirement as I wanted to focus on getting as much of my loan debt down as possible. With the additional money, I'd like to get some sort of retirement fund going as well as re-calibrate my loan payment plan. Previous job: ~70k salary, no bonus New job: 105k salary, 5% annual bonus With the new job numbers plugged in, my current budget looks something like this: Take home (new job, estimated post tax): ~$5400/mo (assuming 2 paycheck month and not counting bonus, I plan to use the bonus and two "extra" checks to make lump sum payments against the loans) Rent + utilities: ~$1250/mo Cable/internet: ~$110/mo (looking to reduce this as I don't really ever watch TV..my contract is up in a month so I'll have some options) Groceries: ~$200/mo Gym: ~$150/mo (BJJ gym as well as a regular gym for other exercise, a bit expensive but not something I'm willing to cut as I think the benefit is significant) CC payment: ~$600/mo (various expenses: bars/restaurants, subscription services, clothing, household items, etc. I could probably reduce this if I got more strict on frivolous spending, which I intend to do) Federal Loans (Current payment amount at current job, loan details below. Intending to increase this.): $800/mo Private Loans (Current payment amount at current job, loan details below. Intending to increase this.): $600/mo Retirement\*: ???/mo (currently 0, better to attack loans or start doing this now? More detail below) "Remaining" money to allocate assuming the above remains consistent: ~$1,700/mo \* One note on the retirement piece, I do have a sufficient emergency fund built so I'm planning to take my last check from the old job as well as my vacation payout (I had quite a few days accrued that I never took) and putting that money into a Roth IRA. This will allow me to contribute the $5,500 max in one shot for 2018. Loan details: Federal: Remaining balance is 23k made up of several smaller loans. Over the past year and a half I've paid this down from about 30k. Originally there were a few loans with higher interest rates (~6.5%) but those have been paid off. The average interest rate across the remaining loans is ~4%...I'm currently prioritizing the two remaining loans at 4.5% rates. Once those are done, the remaining will have rates between 3.1% - 4%. Private: Here's the big chunk, remaining balance is ~100k. Fortunately, my parents wanted to help me here and while they were not financially positioned to pay the loans down in full they did "pay" the loans off using their HELOC. Now, I'm paying toward their HELOC every month at a significantly lower interest rate than what was originally attached to my private loans (and for this I am very grateful). At first the HELOC rate was ~3% but this has been gradually climbing toward ~4% as of late and may continue to rise. Prior to the interest rate changes, I had been prioritizing the federal loans as they had the higher interest rates. I'm now wondering if, after I pay off the remaining two 4.5% loans, I should re-shift my focus toward the private loans as the rate is climbing and the federal loan interest is deductible. Let me know if that sounds like a good plan. Retirement: As far as retirement goes, I have nothing established at this point. As mentioned above I intend to take my final payout from my old job and start/max a Roth IRA for 2018. My new company does have a 401(k), but the company does not begin matching contributions (if I contribute 7%, they will contribute 5%) until after one year of service. Given this, I'm not sure if it makes sense to begin contributing to a 401(k) before the employer matches or if I should just focus all of my additional money on the loans for the first year and then start contributing 7% when I'm eligible for their match. This is primarily where I'm stuck, I've found it difficult to decide whether to contribute to the 401(k) without match for the first year or just aggressively tackle the loans. Regardless, I will be increasing my loan payments each month. That's a lot of information and rambling to skim through, so I guess in summary the real questions are: 1) Should I shift priority away from my federal loans (I'll still overpay on them as I am now) and toward the private HELOC loans due to interest rates rising and the student loan interest deduction benefit? 2) Apart from starting a Roth IRA and maxing it for 2018, should I begin contributing to an (unmatched) 401(k) or should I wait until one year of service when my employer starts contributing? If the latter, I would use whatever money I would allocate toward the 401(k) on the loans. 3) Side question, and I'm still gathering more details on this, my employer also offers an ESPP where stock can be purchased at a 10% discount. I'm still trying to determine when this can be sold (can I buy it today and sell it tomorrow), but I was curious how this is treated from a tax perspective. Are gains from ESPPs treated as ordinary income or would this be taxed at a short term capital gains rate? 4) Any sense in setting aside a small amount of money each paycheck in a high interest savings account for a future home purchase? Seems the answer would be no as I would get a higher guaranteed rate of return paying down debt, but might be some positive psychological effect in seeing a house fund gradually grow. In summary, my primary goal is to continue moving upward in my career and escape debt as soon as possible. I just don't want to let my desire to escape the debt impact my decision making to the point that I handicap myself for retirement down the road and fall further behind my peers. Any input and advice is appreciated, I want to situate myself in the best way possible and there is a lot of knowledge on this forum. Let me know if I left out any key pieces of information needed to answer any of the questions/provide advice. [link] [comments]  |
| Received a refund in excess of $500 today in my PayPal account? Posted: 27 Jun 2018 08:36 AM PDT I haven't bought anything in a while with my PayPal account. This morning I noticed a "refund" of $515.32. Is this a possible scam? Perhaps my account was refunded by mistake? [link] [comments]  |
| Can anyone ELI5 the Vanguard patent where it's ETFs are a share class of their mutual funds? Posted: 27 Jun 2018 06:35 AM PDT Been reading the tax advantages of ETFs over mutual funds in regards to less taxable events and I think I'm starting to understand it. So capital gains are not realized until you sell the ETF share while for mutual funds, the capital gains are distributed annually? but Vanguard is able to give their mutual funds the tax advantages of an ETF? [link] [comments]  |
| Posted: 27 Jun 2018 05:10 PM PDT Sorry if this seems like a dumb question but I have no one in my family to teach me about things like this. I have money in my 401k from my previous job and I can view it on a website called fidelity. Since I quit my job do I just leave it there? Do I withdraw it? The company is sprint, will the merger with T-mobile affect it? [link] [comments]  |
| Dilemma: Getting promoted to manager but will be paid less Posted: 27 Jun 2018 10:42 AM PDT I currently work at a retail store as a supervisor. I get paid roughly $13/hour plus sale commission and I average $1100 a week working 40-45 hours. My store manager recently just had a chat with me about promoting me to a department manager because there is an opened spot available. He sees potential in me since I was promoted to a supervisor in less than 3 months and I have been a supervisor for only 9 months, now he wants me as one of the manager. The only problem that I have is that when I asked for the salary... it is $47k/year ($907 a week), but it is a stable check since it doesn't go down but it also doesn't go up. As a supervisor right now... I make $50k-60k/year at the rate that I am going. Becoming a manager could mean much longer hours (up to 50 hours and even up to 75 hours on the holidays) and less freedom, but it does looks great on a resume since I got promoted so fast. So the dilemma is that do I do it for the experience and is it worth it? Even if I don't take this offer, my store manager say there will be other opportunity when if a different department manager position opens up and that will be $65k/year plus commission ($73k total). But he is just letting me know if I want to take on that offer since this is the only opening at the moment. He also "promised" to promote to that spot too when it is opened in the next year or two. To be honest, I want to become a manager for the experience, but the pay just isn't good enough since I know I am worth more. I can't be crazy for refusing a manager position, right? I will be taking $200 less per week. [link] [comments]  |
| Salary - Supervisor Had Me Take a PTO Day Without Telling Me - I Worked Posted: 27 Jun 2018 03:20 PM PDT I did a bit of Google research but didn't find a lot of help so I'm asking here... I am a salaried project manager who travels to jobsites and lives away from my home office. Whenever I'm home I have an office setup and I work remotely from there. Recently I was home for a bit and working while there, I flew back to the office mid-week as I was needed for meetings and such. The day of my flight I worked all morning and drove to the airport about noon for my mid-afternoon flight. I was in the office the next morning and working without a hitch. So today I was looking at pay stubs trying to find some numbers I needed and noticed on my YTD I had 9.5hrs of PTO used. After a little digging I found the week the PTO was used and so I went and took at my timesheet for the week (we're required to keep timesheets with notes for job costing purposes) and the day of the flight is the only day that wasn't a normal full working day. I had 34hrs total the rest of the week and 9.5hrs on flight day. I've emailed payroll to ask who authorized the PTO as I was working on my flight day (in my opinion the whole day should count as working as the flight was only for business purposes) but I already know the answer, my supervisor decided since I was on a plane flying from home that apparently the entire day shouldn't be recognized and therefore I should have to take a PTO day. Does anyone have any ideas on what the actual process should be here? Am I wrong that as a salaried employee even if I work 1 hour each day it should count as a full day as far as payroll is concerned? Thanks for the help! [link] [comments]  |
| Is it good to have paid using stock. Posted: 27 Jun 2018 05:59 PM PDT So I just got approved for walmart associate stock plan. I don't need money all the time because I have made some saving. If i buy walmart stock using my pay, I get extra 15% of what i buy. But to take it out it cost $25. Like if i buy stock of $1200 each month, I will get about $180 ... Is it good idea [link] [comments]  |
| What options exist for my young step-nephew? Posted: 27 Jun 2018 08:01 PM PDT tl;dr at end. Throwaway because some family members are Reddit users. (How was this throwaway not taken, btw?) My aging father and stepmother, in their own words, are glutted with money. They've always lived humbly, and won't consider spending that money on themselves. (Believe me, I've tried.) My father works full time in a lucrative position, and has reached the age when Social Security forces you to take the payout. In his case, that's the max allowable ($40,000 per year). My stepmother had an annuity mature recently, and will be receiving $3,000 per month in addition to her well-paying full time job. They are invested out the butt with a large number in savings, although I'm not entirely sure how much. Everything they own is paid for: house, cars, etc. The issue is this: My step-mother has a 2 year old grandson whose parents are both drug addicts. Because they're clean "enough", the state has allowed the parents to retain joint custody. (They're divorced.) The baby was born addicted to meth (whole other story), and my father and step-mother are basically supporting my step-brother completely. They bought him a house, paid for his car, his insurance, the child's daycare, etc. After well over a decade of support and close to $850,000, they've reached the end of their patience and are close to cutting him off completely. (I know this should've happened years ago but it's not my call.) My stepmother does not want to keep this annuity payment, and instead wants to give it to me and my husband. While this is an insanely generous gift, I want to give her options to help her grandson. Both she and my father are concerned that her son and son's ex-wife will be able to access whatever they set aside specifically for the child. I suggested a college fund or a trust, but neither of these options was met with much enthusiasm. They're concerned that the child, growing up in a less-than-ideal environment, will fall into the same cycle of addiction as my stepbrother. Do they have options beyond these two? Can my stepbrother or his ex-wife access an account set up specifically for the child? I hate even to ask this question, but can a trust be held back in the event of a positive drug test? I'm looking for any financial advice to pass on to my father and stepmother, who are unfortunately and understandably blinded by the insane shit my stepbrother has pulled throughout his life. The only way I see this working is if I can present them with hard facts that they can then take to their financial adviser. (They won't ask on their own.) tr;dr: my step-nephew's parents are both drug addicts. I need options to ensure whatever money my father and stepmother invest in the boy cannot be accessed by the parents. Additionally, I need to know what options exist if the boy follows his parents into drug abuse. [link] [comments]  |
| Posted: 27 Jun 2018 03:00 PM PDT Hey all. So long story short (shortened, anyway), I'm having a procedure done in August, insurance isn't going to cover it. the total is ~7k. I can afford to pay at least $2,500 straight up - on top of that I'm in the middle of selling an old motorcycle, hoping that nets me $1,500-$2,000. if i can get it sold in the next month that would definitely help, but either way I'm gonna need something between $3,000-$4,500 to pay prior to the surgery. i've gotta pay 5k of that 7k total at the end of july during my pre-op visit (surgeon fees) and then the remaining sum (~2k) is going to be billed by the hospital, i believe after the surgery. what would be the best way to go about taking care of this? should i take out a loan? is this something i can put on a credit card, and would that even be a better or worse idea than taking out a loan? -- i ask that because I am just kindof assuming credit cards have lower interest rates than medical loans ive looked at, but i don't consider myself informed; I've researched medical loans for a few minutes and don't currently have a credit card, i haven't actively used one in years. I'm not sure what would be the best way to go about this. a little information about me: I am mid-20s, just graduated with a bachelors, in an entry-level gig. It's not a ton of money but I live comfortably. I've got about 26k of student loan debt remaining and im timid about having another long-term payment. I don't have a credit card at the moment. My credit score is pretty high - low 730s. If i can provide any additional information that would help let me know, and thank you in advance for any help, i really appreciate it! [link] [comments]  |
| Best way to max credit score in around 3-4 years? Posted: 27 Jun 2018 07:50 PM PDT Currently 25yo, have a credit score of 758. It was about 775 a couple months ago, but took a hit when I opened a old navy card. 0 marks, 0 late payments, everything always paid full, total usage usually <10%. I've got 4 cards (amex blue cash, wells fargo visa, amazon card, old navy card) with average age of just 2yrs 1mo. My oldest is wells fargo at 4years 4months. Should I open any more accounts in the next 1-2 years? Or should I just stay where I'm at and let the average age increase? My plan is to buy a house in 3-4 years or so, so I would like to get the lowest interest rate possible. [link] [comments]  |
| Was recently fired. Just filed for unemployment for my first time and have some questions... Posted: 27 Jun 2018 07:49 PM PDT I was terminated from my job about a week and a half ago. To keep it short and sweet, I didn't break any rules or intentionally do anything wrong or bad. They told me I wasn't skilled enough at bartending to keep up with the high flow of business and that I was "a little too abrasive". They also told me they didn't like me going out and getting intoxicated outside of work because I worked in a very, very small area and they wanna keep up reputation?? I feel I should be allowed to do whatever I please off the clock. They mentioned me not taking "social cues" well from other managers even though I've literally never been formally spoken to about anything I may have been doing wrong. Anyway, I was not given any verbal or written warning at all about my job performance up until the day of my termination so I had no idea anything was really wrong. I just filed for unemployment because they pretty much turned my world upside down. I'm currently looking for other work. What are my chances of receiving unemployment based off of what happened? And also, if my employers don't want to pay it (they're private owners and they're petty so I wouldn't be surprised if they tried to dispute it), can't they just lie and say I broke rules or intentionally did something wrong? Isn't this kind of a he said she said thing? I don't really know how this works. I just filed the initial claim. What are my next steps? [link] [comments]  |
| [US] Stuck at current position for over a year. What should I do? Posted: 27 Jun 2018 07:33 PM PDT [29/M/Early career] December of 2017, I was hired on at my company as a sales rep by a 3rd party company to sell phones inside of a big brand retail store that rhymes with "Small Tart". While I don't work for "Small Tart" at all, I work for a 3rd party company inside that store that deals postpaid phones on AT&T, Sprint, and VZW. At my work, the heiarchy is structured really weird, my market manager is directly over us, with the regional director over my market manager. I see my market manager once a week on average, and I rarely see my regional director (my boss's boss). Anyway, it isn't up to my boss on whether or not to promote me. It is up to me to apply and for a recruiter to reach out to me, despite me being internal. I applied just recently (1.5 week ago) for a position as "Success Coach" which is a position that's going to be brand new and it will be in-between a Market Manager and a sales rep. As of right now, market managers are the next step up from a sales associate which is a HUGE step up as market managers are over multiple stores, as there's only 2 associates in our company assigned to each store. Currently our hierarchy goes like this: Mobile Sales associates (I am here) > Market Managers > Regional Directors > Territoral Directors > Sales Director > COO > CFO > CEO Eventually, Success Coach will be one level above sales associates, but still under market managers. That's the kind of position I want to climb to, and I applied for it last week and haven't gotten a call back. My current financial situation: I make $13 an hour plus commission. Most reps make $10.50, but I was able to get raised. After my commission, bonuses, etc, my gross income is $29k. I have health and dental insurance, and taxes get taken out of my check. I also signed up for a 401k a few months ago, and I have about 9% of my check taken out, which is roughly around $120 per check, as I get paid biweekly. Right now I am living with my grandmother, which is kinda pathetic at age 29, but it is what it is. Rent is REALLY expensive in the metropolitan area that I am in. It used to be affordable, but people are swarming in despite there being really nothing here. I have been looking to getting my own place, but it's just hard as I live paycheck to paycheck, have my car insurance, cell phone bill, and other expenses. And most places want first month's rent, last month's rent, and a deposit. So around $2k just to move in and I never have that just lying around. I have side gigs of which I average around $500-800 a month extra a month from. Bringing my salary to averaging around $30k, which is okay for early career I guess. To be honest, I don't know if I really want to be a wireless manager and a big wig boss. My passion is to get involved in music business and handle back end stuff for artists. My side gigs involve creating websites/social media presence for musicians and artists but I currently don't make enough to make a career out of it. And let's face it, living to your passions is a pipe dream in today's society. Any advice would be appreciated. [link] [comments]  |
| Besides expense ratios, is there a reason to pick one stock market index fund over the other? Posted: 27 Jun 2018 06:13 AM PDT Vanguard has their total stock market index fund (VTSAX / VTI). Other companies like Fidelity and Schwab have their own index funds. Besides the obvious factor of expenses, are there any other reasons to pick one over the other? Like how the fund is managed or the contents of the fund? Has there been any notable difference in the performance of the different funds that purport to do the same thing? [link] [comments]  |
| Posted: 27 Jun 2018 07:12 PM PDT About 6 months ago I didn't offer in compromise to the IRS I owe them $5,500 and got that drop down to 2800 I had to payment lots of $400 and fell on some hard times. I did my taxes and was getting a return of $2,800 they held my return because my offer in compromise wasn't paid yet but I didn't have the money to make the payments to the offer in compromise Department. I tried to get the IRS to release the money to the offer in compromise Department but they said someone from there had to contact them. I called and I called and I called left voicemail to voicemail never got a call back or had anyone pick up the phone. now my offering compromise is invalid and I owe the rest of the money and they kept my tax return is there anything I can do about this or am I just fucked. [link] [comments]  |
| help - just got charged ~£300 for electricity bill that was from 2012 Posted: 27 Jun 2018 09:22 AM PDT First post, not sure what I'm doing to be honest, just very worried about this.. out of nowhere we get a letter claiming we have over £300 of outstanding electricity bills from 2012.. in a house we moved out of in 2015. Its taken them 6 years to communicate with us yet we are certain we've paid them already. Are they even allowed to take this long to charge us? what do you think I should do now? It seems a bit shady. I even phoned them up and they refused to tell me anything useful, and told me to talk in person... What the hell? [link] [comments]  |
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