- Parent diagnosed with a fatal, inherited genetic disorder. I have 50-50 chance of getting (can determine with blood test). What steps should I take before taking the test to protect my investments for my family?
- $50k in IRS debt, payment plan rejected
- Have $35k in 401k. About to be unemployed, but don't want to cash out. What do I do?
- Advice: I work at a small company who "forgot" to match my IRA contributions, but is trying to make it right. Options in comments. Any advice is much appreciated.
- How can I prevent my parents from buying anything from primearica?
- I received an unexpected inheritance, bank is "suggesting" what I should do, don't know if I should trust them
- Girlfriend charged "return" fee three times due to bank taking over two weeks to process her payment
- Can I roll my Roth 401k into my Roth IRA if I have already contributed $5,500?
- Giving salary expectation during an interview
- I used 28k in savings to pay off 4 student loans on which I was primary owner. So why did my FICO credit score drop 60 points?
- I Hate Gym Plans - A Business Model That Needs to Die
- I’m a doctor in the highly litigious field of emergency medicine, what steps can I take to protect finances/assets?
- [Housing] Friend is losing their home due to late mortgage payments,6 days to pay $$$ or else,CA.
- ROTH IRA Investment ideas/suggestions
- Apartment offers to report rent payments to credit bureaus to "build credit". Should I?
- Incoming Bonus- Pay off student loan at 3.8% interest or invest?
- I'm 24 years old and make less than 20K per year. How can I get myself on a career path and strengthen my earnings?
- Someone is using my SSN to apply for loan, harass me
- Best Savings Account
- What are good ways to put money aside for a house?
- Help dealing w/ the psychological toil of crushing debt
- Currently salaried at 80k with full benefits in IL. Job opportunity as a contractor for 12 months at $65/hour (135k salary) in FL. What do I need to consider?
- WARNING: If you're under one of your parent's insurance and they die, you lose insurance coverage automatically.
- Going to college trying to find a good cc for me
| Posted: 31 Jul 2018 05:43 AM PDT EDIT: the disease is Huntington's disease. As the title states, I plan on taking the blood test to determine if I have this condition. I also just learned that, unfortunately, pretty much everyone in my family who has had the "50-50 chance" of getting the genetic disorder has gotten it. So I am preparing for the worst. I am wondering about a few things, in case my test should come back positive:
Any and all help is greatly appreciated. Thank you. EDIT #2: Thank you for all of the advice, kind words, and outpouring of support. I have a lot of comments and messages to read and respond to, and I am working my way through them. [link] [comments]  |
| $50k in IRS debt, payment plan rejected Posted: 31 Jul 2018 10:14 AM PDT Hi, Wife and I had just over $50k for 3 years worth of federal tax debt and $50k plus of other debt. Sold our house 4 months ago and paid off everything except IRS. Paid up on estimated for 2018 for Q1 and Q2. Have about $15k in the bank. IRS reps told me I could make one payment to get the sum under $50k. It was around a $600 payment. In doing so I could get an installment agreement over 6 years, WITHOUT subjecting to a financial status review or some such thing where they review income/expenses, etc, and a cost of $699/mo. Submitted the form in June stating monthly payment of $700 to begin in July. Just got a letter yesterday stating our plan was denied. No reason stated, as is the IRS way. IRS LTR 484C. We had built a budget that would scrape by including this $700 payment. My 1st action point is to call the IRS today after work and see if they can tell me anything useful. And try to speak to a superior if that cannot. I followed the steps as they told me to take care of this debt and they shut me down. It is frustrating to say the least, and wife is panicking. Looking got advice on similar experiences, or from people who work with these situations as tax professionals. I don't believe my wife and I would qualify for a settlement. Take home is average $4400/mo. If they garnish we will likely not be able to pay our bills. If they levy, we lose our nest egg and still owe $35k. Edit: Duration of payment plan, from 5 years to 6. Added IRS LTR number 484C [link] [comments]  |
| Have $35k in 401k. About to be unemployed, but don't want to cash out. What do I do? Posted: 31 Jul 2018 10:01 AM PDT I am being laid off from my job tomorrow. I have an employer-sponsored 401k worth about $35k that is managed by Wells Fargo Retirement. I have enough cash in my emergency fund that I don't need to worry about withdrawing from my 401k. Is my 401k ok to just sit with Wells Fargo even though I'm no longer employed by the plan's sponsor? If I need to roll it over, do I roll it into an IRA? Roth IRA? Solo 401k? How do I do that? Where is the best place to roll it over to? If it matters, I'm 30 years old. [link] [comments]  |
| Posted: 31 Jul 2018 06:48 AM PDT I talked my company into switching me from a MFS Simple IRA to a Vanguard Simple IRA at the beginning of 2018, but they had trouble figuring out how to deposit my IRA contributions and their match. They are willing to work with me to make it right and presented the following options: Option 1: I check with Vanguard, and show the likely gain or loss percent for money contributed from January 1 through June 30. They will then make the appropriate deposit to match the gain/loss amount. Option 2: They will deposit the employee contribution for January thru June of (6x $150), and They will deposit 12 months of contribution (12x $150) now to allow for additional investment money for the remainder of the year. Note to add: My contribution of $150 was taken out of my paycheck but never added to my Simple IRA. How do I estimate the gains I should have recieved. My contribution allocations are: Vanguard Total Stock Market Index Fund Investor Shares = 70% Vanguard Total Bond Market Index Fund Investor Shares = 15% Vanguard Total International Stock Index Fund Investor Shares = 15% [link] [comments]  |
| How can I prevent my parents from buying anything from primearica? Posted: 31 Jul 2018 03:16 PM PDT So both of my parents keep meeting a "family friend" that just recently showed up to talk to them about finances. I've heard only bad things about this company and would rather my parents not deal with them. [link] [comments]  |
| Posted: 31 Jul 2018 09:12 AM PDT My aunt died and left me a percentage of her investment fund at Wells Fargo. WF has been under the microscope for some time now. I have read horror stories about their fees. I received paperwork, "suggesting" that I create an account first, through them, then I can worry about transferring it later. I asked why I can't just transfer it straight from her investment account to an investment account that I can create at my bank, and their response was, "It's just easier this way." I suspect it's because they will charge a fee to transfer it from their account to bank X's account. Of course, the transaction is "time sensitive". Can anyone please suggest a course of action? Should I go with what WF is suggesting or straight transfer it to my bank? Or maybe, is there another course of action? Thank you all in advance for your feedback. [link] [comments]  |
| Girlfriend charged "return" fee three times due to bank taking over two weeks to process her payment Posted: 31 Jul 2018 11:15 AM PDT Edit: Consider this case closed. Some mismanagement on our end along with an unfortunately long processing from one or both banks. Thanks for the help, everyone. My girlfriend has a credit card through her work (it was supposed to be a debit card, but that's a story for another time), and she always uses it to buy very small price things such as groceries and whatnot. She always pays the card fully each month. This time, however, the bank took over two weeks to actually process her payment, thus resulting in an overdraft charge due to her account no longer having the money because she thought it was already taken to pay the card. She tried calling the customer support on the back of the card, and the guy on the phone basically said he couldn't do anything and that it sometimes takes a week to process a payment. I've never experienced a payment to a credit card taking a week to process, and this one was over two weeks! She told him that, and he sort of shrugged it off and asked if there was anything else he could help her with. Now, they charged her two more times after that phone call with "return fees," and I'm assuming those are due to the payment being unable to be completed even though she didn't try again after that first ridiculous charge because she obviously didn't have money in her account to pay the card (again!!!) yet. Any advice here is appreciated. Edit: It's Wells Fargo by the way. Don't use them. [link] [comments]  |
| Can I roll my Roth 401k into my Roth IRA if I have already contributed $5,500? Posted: 31 Jul 2018 08:45 AM PDT I'm not sure if this would count as exceeding the $5,500 maximum or not. And are there any downsides to doing this that I might not be aware of? [link] [comments]  |
| Giving salary expectation during an interview Posted: 30 Jul 2018 10:23 PM PDT Hello All, I recently was negotiating an offer from a major company and was asked to give a salary expectation. I live in a very HCL area, and am kind of underpaid for my position. This new job was in a lower cost of living area, only slightly lower. The recruiter kept pestering me for an expectation, this time I held my ground. I just said "This is for a new location, lots of variables here. I would like to know what you have to offer, I do not have a number in mind. I would look at the total compensation". She kept telling me "please know this is lower cost of living area compared to where you are. so keep expectation accordingly" A day later she comes back with an offer which honestly shocked me. No way in hell I would have given that number as my expectation, it was atleast 20% more than what I would have asked for. It was overall about 30% more than my current position, and that too for a lower cl area. I am just super glad I did not cave and give a number. I would have severely under sold myself. The last job, I gave a number and my employer matched it without negotiation. I was like "shit, I could have asked for more". This time its way better. I thought I will share it here and tell others Do not give a number when asked for salary expectation. This is an excellent job market and you do not usually know what the latest prevailing wage is for someone like you. Very good chances you will undersell yourself. [link] [comments]  |
| Posted: 31 Jul 2018 04:45 PM PDT Student loan information as of September 2017 (before I paid them down)
My other accounts:
Score 1: Oct 2017 - 810s Came from a College Ave Loan Approval Disclosure, which claimed to be from Experian. I was exploring loan refinancing and did two hard credit pulls around this time Score 2: July 2018 - 760s Wells Fargo "soft pull" tool, also Experian [link] [comments]  |
| I Hate Gym Plans - A Business Model That Needs to Die Posted: 31 Jul 2018 05:30 PM PDT Having been burned before, I broke a lifelong rule yesterday and signed up for a gym plan. Within 90 minutes, I was at the post office sending a certified letter to cancel it. My insurer, GEHA, has been advertising this Active&Fit Direct plan -- pay $25 enrollment and $25 a month and you can go to their member gyms. There's a mandatory 90 day enrollment and then it's month to month you can cancel in any month. I look at their gyms and there's one that is near my work (none are near my home). The next closest one is three towns away but the one near my work will suffice. I go take the tour and it looks okay. I get home to sign up online via the GEHA website which leads to the Active&Fit Direct website. They explain they'll hit the credit card for $75 for enrollment, current month, and next month's fees. Okay -- $25 and $50 for two months. Do it. Except, then I get a final receipt showing $50 for enrollment and $25 for July 30th through August 30th. Arrrgh! My two-month sign-up just dropped to one month in one click! I pack up my gym duffel (which I had to make because I haven't been to a gym in a very long time). I go to the gym with my Active&Fit Direct ID "card" (a sheet of printer paper with my name and number on it). Turns out that the gym wasn't part of their network. The Active&Fit Direct site has been listing them for a long time but they've never been a member gym and Active&Fit Direct haven't removed the gym despite their several requests to do so! Arrgh #2 So now I have to cancel this thing that I can't use, that charged me incorrectly. I call the toll-free number and I'm told that I have to send an email to cancel. Arrrgh #3! Now I am remembering why I made that personal rule to never, never, not ever join a gym. I look at the Terms & Conditions and I have to cancel by Snail Mail. Email is not mentioned. So within 90 minutes of signing up to this lemon, I'm in my post office -- still in my workout clothes -- sending a Certified Mail letter to the Active&Fit Direct people because I have 5 days to cancel for the refund before the 90 day compulsory membership starts. Let's watch them screw this part up too. They know nobody is going to notice the contract and do this -- they're all waiting for customer-(no-)service to answer an email they won't read. Probably nobody will read my letter either but I have met the contract and will be on solid ground when I cancel the credit-card charge. I hate gyms.That business model needs to die. PS: Seems like I'm not the only one with some of these problems [link] [comments]  |
| Posted: 31 Jul 2018 05:23 PM PDT Hello all, I've been a long-time lurker on this subreddit. Was wondering if you all could give me some advice for my family and I. My wife and I are both Emergency Medicine doctors in North Carolina. Our malpractice insurances are covered by our groups (I am an Independent Contractor, she is a per diem part-time hospital employee), covering upwards of about 1 million per year of malpractice each, with caveats. Anyway, I'm just highly terrified of the possibility of a patient suing one of us during our careers. Knock on wood, it hasn't yet, but on average doctors will get sued a few times over the course of their career. I fear the lawsuit that sends me over my malpractice coverage and fear that lawyers may go after my assets and savings. Can you all give me some advice on what I can do to protect myself? What assets or savings are protected from medical malpractice lawsuits in North Carolina? I own a house and have a SEP IRA and a Whole Life Savings account (I know, I know, I was duped into the Whole Life thing by a financial advisor way back in residency). The house is signed under the names of both my wife and I. We literally don't own anything else except the furniture in our house. What can the med mal lawyers go after, and what can I do to protect myself and my family? Thanks in advance for your help! Edit: I also have 1 mil in umbrella insurance [link] [comments]  |
| [Housing] Friend is losing their home due to late mortgage payments,6 days to pay $$$ or else,CA. Posted: 31 Jul 2018 02:21 PM PDT Need some ideas to help a friend keep her home due to bad money management. My wife's friend has been struggling to pay their mortgage due to her husband being out on disability for a few months, (and her inability to budget). They have 2 little girls and this sucks. She got a call today from her mortgage company saying "Oh, by the way, you are 11 days past being foreclosed on. If you can pay us $12,000 in 1 week you can keep the house) Her husband is getting a disability settlement for $40k but not in time to pay for the mortgage. We said to sell the cars, pay the mortgage, buy cheaper cars, but she says their upside down on the cars, (of course) She has a check from the insurance coming due to her kitchen flooding. We said to take the check, pay the mortgage, do the kitchen yourself, but she said no, the insurance need's to inspect the work. Other than JG Wentworth, or those other bloodsucking short term loan places what are the options? Thanks! Edit: Changed "upside" to "Upside down" [link] [comments]  |
| ROTH IRA Investment ideas/suggestions Posted: 31 Jul 2018 10:08 AM PDT Finally stepping up my game and opened up a Roth yesterday. Only $1000 but i am planning to hit my $5500 every year moving forward. Do all you fine folk have suggestions on what I should invest in? I have 2 seperate personal portfolios that I am going to be more risky with. I want this to be low maintenance. Any help or suggestions would be greatly appriciated Thanks :) [link] [comments]  |
| Apartment offers to report rent payments to credit bureaus to "build credit". Should I? Posted: 31 Jul 2018 09:41 AM PDT I logged into my online account and was greeted this this offer. My credit score is roughly 800 to 810, so I don't need to "build credit". Is there any reason to do this? I've never missed a rent payment in my life. Seems like the upside would be somewhat limited, but if something unpredictable happened, then I'd be stressing about both my housing and my credit score. Thoughts? [link] [comments]  |
| Incoming Bonus- Pay off student loan at 3.8% interest or invest? Posted: 31 Jul 2018 05:20 PM PDT Looking for some advice on how to handle an incoming signing bonus from my new job. The amount is not relevant, but it will be more than enough to cover the amount mentioned below after taxes are deducted. I currently have $13k in student loans at 3.8% interest and my monthly payment is $200 (minimum is $115). I've always told myself that I want to get rid of this debt as soon as possible whenever I have the opportunity to. However, my stock portfolio has performed quite well over the past year (Apple, Amazon, BerkshireB, few others) and with the recent big hit to tech stocks (Facebook, Netflix, etc.) it is becoming a bit harder to justify not putting that money to work and try to outpace the 3.8% from my loan. A potential route I have thought about is to pay off half of the loan, investing the rest, and increasing my monthly payment to $400 to accelerate the payoff. On one hand, getting rid of the debt would feel good, but wouldn't really improve my quality of life as the monthly payment is so insignificant. On the other hand, I don't want to look back in a year or two knowing these investments could have returned much more. I know there is very much a risky move, but I am curious to hear how some of you would handle this situation. [link] [comments]  |
| Posted: 31 Jul 2018 06:29 PM PDT I originally posted this in offmychest and am now letting it rip here! (I hope this is an appropriate sub.) Hi, I'm ranting on the internet to unleash my panic and frustration and to perhaps receive some advice from peeps who may have similar experiences. Here is my long rant: I'm a 24 year old female living in a major city and feeling like I'm wasting my time and potential on little piddly, low-paying "jobs" that by no means amount to a career. BUT, at the same time, I kind of like these little piddly, low-paying jobs because they are EXTREMELY low-pressure, low hours, and I actually like the work I'm doing. I worked in an office once before and was absolutely MISERABLE. The corporate world IS NOT FOR ME. And I do not want to force myself to be a part of it when there MUST BE other ways of making strong earnings. I am just able to cover my living expenses on my earnings, but I am starting to panic that I am 24 years old and I have no savings. In the future, I want to be able to purchase a home, have capital to start my own business, and eventually retire. I just can't seem to get myself on an upward path. To be specific, I have 3 part-time jobs that amount to approximately 30 hours per week, but my schedule is often subject to cancellations based on my bosses' personal lives. First job: I run a resell eBay store that an older woman in my community started but can no longer maintain. I run every aspect of the store: sourcing items, photographing the items, creating the listings, customer service, and shipping. Second job: I am the photographer/videographer for a local clothing designer. I also help her with social media and various technology tasks. Third job: I designed and now run an online store for ANOTHER clothing designer. I created the website, designed the online store, photograph, measure, and describe all products, create the listings, manage social media, and do all shipping. Each of these jobs pay me $15 per hour. I feel like I have no idea what I want to do in life, but I know that I have always LOVED clothes. Even as a quiet person, I have somehow become known in my (large) city for my personal style, which gives me a little bit of confidence in thinking that perhaps I should let my love for clothing guide my career path. I would love to open my own brick and mortar store, but understand that is a tough gig. I would also be happy owning an online store. For a little added context, I have a Bachelor of Arts degree and graduated Summa Cum Laude, if that means anything. Though it was not my major, I completed an entire "fieldwork" semester that focused on public relations, communications, and marketing. (At the time, I concluded that it was sleazy work!) Do you have any suggestions that may help me strengthen my earnings and launch myself into a real career? TLDR: I like the work I'm doing but it doesn't make me much money and I feel like I am stuck in a low-paying rut. [link] [comments]  |
| Someone is using my SSN to apply for loan, harass me Posted: 31 Jul 2018 10:09 AM PDT Some background needed that I think may be related to this incident:
Yesterday I received an email and text verification code for an online loan business. I called them to inform them that it wasn't me who signed up, and that someone had also hacked my old email. The associate on the phone confirmed that they had used my name, DOB, phone number, email, an old mailing address in a different state, and the last four digits of my SSN. They hadn't started applying for a loan in my name, but they had enough information to register with this website. The associate placed a fraudulent application ticket on my account with them and suggested I file a police report. Some steps I have already taken:
Today I will: (based on suggestions from associate and this website)
Is there any additional steps I can take to safeguard myself? I will be moving abroad for a year in a few months and want to protect myself as much as possible before I leave. Also, though it may not be the case, is there a recommended way to view any keylogger activity on my Mac? [link] [comments]  |
| Posted: 31 Jul 2018 09:30 AM PDT I currently have about 3 months of expenses saved up and am trying to grow it. I use USAA for all my banking, but realized that the APY for their saving account is only .1%. While this is better than some banks I've been looking at saving accounts like American Express which has 1.75% APY. I'm basically asking if there's a catch to the American Express account? Or if there's a better savings account I should look into. I love USAA and their customer service but 1.75 and .1 is too big of a difference to pass up on. [link] [comments]  |
| What are good ways to put money aside for a house? Posted: 31 Jul 2018 10:42 AM PDT I am about to enter the job market and am expecting near 80k gross. I am wondering where to put my money if I'd like to purchase a house. Saving accounts have a bad return rate so that sounds like a bad choice but the money is accessible. I am assuming this question depends on when I want to get the house so what are examples or methods for different time periods (short medium long). [link] [comments]  |
| Help dealing w/ the psychological toil of crushing debt Posted: 31 Jul 2018 03:37 PM PDT Brevity isn't always a strength of mine, but I'll try and keep it as succinct as possible. Summary of my situation: About 3 years ago I quit a job with loooong hours that I had no passion for. It was my third job since (college) graduation that just didn't click and left me, someone whose had varying degrees of depression and anxiety since middle school, suffering semi regular panic attacks and a lack of motivation/energy in all areas of my life. I began to think (rightly so, I still believe) that I wasn't cut out for most typical 9-5 jobs, so I started thinking about a more entrepreneurial or creative path. I didn't have a ton of money saved up (I lived in Los Angeles and my last job paid adequately, but far from great), but I started using the money I did have to pursue various investment/entrepreneurial options. They weren't super well thought out, they were mostly in the vein of "I know I don't want another job I hate and makes me unhappy so let's just try some shit." Most ended up costing me a bunch of money and the ones that did show returns didn't show nearly enough. I ended up sinking deeply in to debt. Which brings me to my current situation…and since the following will entail a fair amount of venting and feeling sorry for myself please understand that I do ultimately understand this situation is primarily of my own making. Anyway, I've since moved back home to the Midwest and things have only gotten worse. I'm around 20k in debt, I have no money (quite literally), no job, my credit score is too depressing for me to even check the past 6 months, my phone broke months ago and I haven't been able to afford a new one, my car is hanging on for dear life and if anything happens to it I will have no car (a scary proposition, I need one with my proximity to any potential job)….. and I feel paralyzed to do anything about it. With credit scores and a recent spotty work history it's been very difficult to get any job, let alone one w/ a salary high enough to start making meaningful work on my debt. I have had actual jobs the past 3 years but they paid very little and were almost all seasonal in nature, basically just enough for the bare bone necessities. The hardest part though is probably just the psychological aspect of it all. I'm currently 30 and have never had money management problems before or been particularly unwise or gratuitous in my spending habits and I firmly believe that I wouldn't in the future. Bluntly, I just want the debt to go away. I don't want to be rich (at least w/o earning it) and I'm completely ok starting from 0, I just feel so dismally immobilized to start at -20,000. If I may say so, I'm relatively bright, went to a top tier school, did well there and feel like I have something to offer the world but can't. I'm starting to get to an age where people I grew up w/ are making their impact on the world (not to mention seeing the world) and I'm stuck spinning my wheels for god knows how long. Honestly, I came to reddit for the first time a few days ago just to make a post asking for money. It felt shitty so I tried to make it funny/goofy just to mask the true nature of what I was doing. But it just illustrates how desperate I've become for relief of not just the debt, but the oppressive feelings that come with it. I more or less know the practical steps to take, I just really struggle w/ acting on them because I feel so downtrodden. So idk, make me feel better or something…haha. [link] [comments]  |
| Posted: 31 Jul 2018 06:13 PM PDT Hi everyone! I'd like to consider myself a pretty strong disciple of this sub. I'm 27M, currently salaried at 80k with full benefits at one of the 3 prime military contractors. I'm currently navigating a new job opportunity as a 12-month contractor for a company down in Orlando, FL. The hourly rate is $65/hour ($135k/year assuming 40 hour weeks). I don't have all of the information just yet (phone call tomorrow), and I don't have any experience as a contractor before. I assume that as a contractor there are no benefits compared to what I have at a salaried job like health/dental insurance/HSA and retirement (401k). Assuming I did take the job, how would I go about procuring health insurance/HSA on the open market or a retirement account like a 401k on the open market? How much would I have to set aside for taxes? I'm in a pretty good spot financially. I have fewer expenses than income, max out my IRA (currently at 20k) and HSA (at 4.5k contributed through my company), contribute 15% to my 401k (9% of my salary + 6% max company match currently at 55k). I also have savings in a high yield account of about 25k (10k of which is my emergency fund, the rest of it being savings for a down payment on a house). The one debt I have is my car loan at about 20k at 2.45% (less than 4 years left with minimum payments). I'm mainly wondering what kind of expenses I'd have to incur in a contracted position with roughly the same benefits as my current job and if, assuming my current expenses plus the added expenses for insurance/HSA/401k on an open market as well as putting aside enough for taxes I could save much more for 12 months than I am now. Other info: I'm not sure yet whether the company in Orlando would hire me after the 12 month contractor stint. I don't mind moving to Orlando for a year at all as I'm not tied down to anyone or anything. I'm just about to hit my one year anniversary at my current company. I don't think I would have a problem finding a job after the 12 months. Thanks! [link] [comments]  |
| Posted: 31 Jul 2018 02:22 PM PDT I've been on my father's insurance all my life and in February he passed away. I did what I considered my due diligence e.g. calling the insurance company and asking if I was still covered - informing that he had passed. The following month I got very sick and was recommended by my school's physician to get a CAT scan. I called insurance again and they said I was still covered. Scan wasn't helpful; but I began feeling better. I got an approval letter from my insurance company. Then a week went by and I got a denial letter. Followed by a $1000 bill for the CAT scan, followed by a $500 bill for unrelated medical treatment that I get monthly. I called my insurance company and they told me that my insurance coverage retroactively ended at the end of February, even though they didn't technically do it until April AND even though, when I contacted them, they said I was covered. So, now after ~4 months of dealing with insurance appeals, that likely won't be approved - the best I could get for the CT scan was 20% off. TL;DR: the lesson learned is that insurance can end abruptly and coverage can be removed retroactively. [link] [comments]  |
| Going to college trying to find a good cc for me Posted: 31 Jul 2018 09:20 AM PDT First some info on me: I'm 18 and going to a school in a different state and will be flying home semi regularly (3-5 times per year, all american airlines). I come from a well off background and my parents have multiple credit cards (Amex Platinum, AA citibank card, etc.) We don't have a budget planned yet but my parents would like to put limits on the card. I have no credit history due to being 18 and not having any loans or anything like that. So the main question is do I get my parents to add me as an authorized user on one of their cards or do I try and apply for a student cc or other beginner cards? [link] [comments]  |
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