Personal Finance Ex-boyfriend not paying rent. |
- Ex-boyfriend not paying rent.
- UPS charged me $500 to destroy all my stuff when moving and still failed to deliver it. Their refund process is IMPOSSIBLE. Help!
- Am I right to prioritize my car over my student loans for the moment?
- Explaining cryptocurrency risk to non-savvy investors?
- Should I leave an amazing job for considerably more money?
- I think my Boss might throw me under the bus
- If I’ve maxed my 401k contribution for the year, do I need to adjust anything with payroll? Or will they automatically start putting my pre-tax contribution amount back into my take home pay?
- Teen plans on getting apartment with girlfriend after high school.
- Who's right? Me or the husband?
- 17 year old wanting to buy a car
- I need to apply for bankruptcy and my car just broke down... I need some advice?
- Will i Raise any red flags with the IRS?
- Landlord lost my rent check; I don't know check number to cancel it
- Newly married and trying to sort out our debt and finances
- Have 500k in student loans and about to get a huge jump in salary, what should I do next?
- Can not needing health insurance be used as a bargaining chip for higher base pay in a salary negotiation?
- Do I have to disclose salary history?
- Just got a big-boy job with a 401k. How much do I contribute?
- Questions regarding paying off debt
- Maxing out 401k vs Saving for Down Payment?
- Leaving a job 6 months after relocating for a "better" position?
- My wife and I are planning on traveling to Europe next summer...any suggestions on a good credit card to open (particularly for the sign up bonus)?
- Advice needed for an online purchase
| Posted: 03 Oct 2018 11:39 AM PDT Sorry if this isn't the best subreddit to post this on, but it was my best guess. Long story short, I'm 23 years old and pretty new at living on my own and managing my own bills. I just moved out on my own to another state to be with my long-distance boyfriend that I had known for years. He became a completely different person than I thought he was, and has since moved back home. Both of our names are on the lease, and we have fairly expensive rent for where we live (Ohio) that I could probably manage to pay on my own if necessary. Our rent is due on the 5th and I am expecting issues with him not paying, based off the way he has been acting - so I just want to be prepared. Do I have any options if he chooses to not pay his half of the rent? [link] [comments]  |
| Posted: 03 Oct 2018 06:20 PM PDT I have been corresponding with UPS for at least the last 3 months, sending frequent emails, phone calls, etc. I moved, and had my things shipped to be delivered to my new address. There were 2 separate shipments and I was charged approximately $250 each. I wrote fragile on all of the boxes. Nearly everything of mine got destroyed, and one of the shipments never even got delivered. I have tried everything to get a refund but this company has an endless loop that makes the process absolutely impossible. My frustration started long before the refund process. One shipment got stuck at customs, was held for weeks, and was returned to the UPS store. I found out after calling several times over several weeks (the first ~5 calls had people assuring me that everything was fine and I should just be patient). Nobody notified me. When it was returned, the UPS store then refused to ship it out again because the box was in terrible condition and glass pieces were falling out of it. They took pictures and I had to instruct them, through email, which of my important possessions (art work, frames of family pictures etc) to throw away and to keep. They repackaged it and sent it. It barely got delivered, and when it did, it did not come to my door. It came to some UPS location where I had to wait for hours because it arrived more than 1 hour after the store closed (so I could not even leave and come back). There were 4 other people waiting at that same location for items that were "guaranteed" to be delivered but hadn't arrived. Two of the peoples things were already being shipped back to the sender, despite the fact that they had emails indicating their shipments had arrived and this was the exact time and date that they were meant to show up. These people were pissed off because they were leaving the following day and were depending on this "guaranteed" delivery. The guy at the front desk told me this happens every night, and his job is to hear people yell at him and cry when he tells them the notification on their phone is wrong. Luckily mine ended up arriving. My other shipment came to my city for three days but never managed to get dropped off. Every single day, I called UPS, I made an account and filled out forms saying they could leave the box without a signature etc, stayed home from work, did everything humanely possible. Every day UPS promised me it would be delivered but I never even saw any attempt at delivery. On the third day I got the notification that my package was being returned. It was returned to my dad, who found everything in the box completely broken. I checked lately, and to make matters even more complicated, they marked it as delivered in their system. I took so many pictures of all the damage and had my dad take pictures too. I emailed for several weeks with one customer service agent who got me connected with their refund email (after the damage claim was automatically rejected and he managed to overturn that) where I was to submit pictures for evaluation. I submitted them many times, but each time I would get an email indicating that the file sizes were too big, I included too many pictures, too few pictures, or some obscure problem meant they were not able to be accepted. I finally gave up when they said I needed to submit the pictures only for each individual tracking number. This is impossible for me to do, as after the UPS store resent all of my broken things, they sent it under two separate tracking numbers, but since they arrived at the same time I have no idea which is which. Also, the packages are both CLEARLY damaged so anyone with half a brain should be able to look at any of the pictures and recognize I deserve a refund for the entire shipment, regardless of tracking number. I have called UPS 100 times over the last three months. Every time they listen to my story, they sympathize, they tell me we will get to the bottom of it, and then they go silent. There is no follow-through. I have lost track of the number of times I was promised a phone call or email that never went through. This is the worst process and worst experience I have ever had with a company. How do I get my money back? Not only did they fail to deliver half my stuff, but they damaged or destroyed almost all of it. I am not even trying to be refunded for the broken possessions, which are invaluable anyways (I don't know how UPS would assign dollar values to my artwork or irreplaceable family photos that were scraped with glass). I just want my money back because they completely failed to do the job I paid them to do. I have heard that I can file a complaint through the credit card company, but my card has a 60 day limit and like I said, it has now been over 3 months since I made the payment. Any help would be greatly appreciated! [link] [comments]  |
| Am I right to prioritize my car over my student loans for the moment? Posted: 03 Oct 2018 01:41 PM PDT I just want to make sure I've got a good plan going. My take home pay for my new job will be a little over $1300 a month. I also make commissions at my side job, which are not dependable (no guarantee I will make any profit in a given month, but when I do they are at least an extra $1,000 under the table, which I plan on throwing directly at loans when I get them). Current living expenses are rent ($200/month with no utilities), phone ($27/month), Spotify premium ($10/month), and gas/helping with groceries. Gas is reimbursed at this new job so that part is nice. I am still on my mom's insurance for health and car because she is a very, very nice lady. The expensive part of my life is loans. My federal student loans are income based so when my grace period is over I will technically owe very little because my income was so low, but I plan on paying at least $200-$400 a month.I also owe around $100 per month for Perkins, but the grace period doesn't end til March. My car payment is $250 a month at like 13% interest, which I plan to refinance at a local credit union for a fraction of that cost by next month (I was waiting for more income). Either way, I plan on taking over on paying for my car insurance eventually which is another $250 a month because no-fault states suck. My Plan: Pay a tiny bit more than the minimum on my student loans each month, but devote most of my extra money to paying the car off. Once the car is paid off I will have cheaper insurance (no longer needing full coverage) and no monthly payment, so I can begin hitting the student loans harder with what I used to pay on my car. Is this a good plan, or should I make my extra payments more of an even split between the two things? [link] [comments]  |
| Explaining cryptocurrency risk to non-savvy investors? Posted: 03 Oct 2018 01:41 PM PDT I am a (non-profit) low-income personal finance counselor in a major city. I've noticed in many workshops I teach as well as in a few one-on-one counseling sessions that the topic of cryptocurrency investing is becoming very popular. My situation is this: -I am able to explain convincingly why having an emergency fund is essential before investing. -I am struggling to be able to convince excited clients about the level of risk they're taking in this style of investing. For many of these clients, this would be the only or a very significant chunk of the investing they do. I've tried showing the volatility of bitcoin this past year, or bringing up how many failed companies there are for every successful one we hear of, but it tends to be received poorly. The main thing I'd like to be able to communicate is a realistic portrait of how much risk they're taking on(whether or not it's a good investment) as well as the level of expertise one would need to have to be able to recognize a good value(these companies could be good[albeit high-risk] investments, but in all of my cases, the client doesn't have the level of expertise to be able to determine that). What tools/examples/charts can I use to better get this across without alienating my clients? [link] [comments]  |
| Should I leave an amazing job for considerably more money? Posted: 03 Oct 2018 03:53 PM PDT I love my job. I love my boss, my coworkers, everything about it really. But I received a job offer that gives me the following improvements:
I have verbally accepted but I still am not 100% sure. I really do like where I work and there seem to be a lot of opportunities in my position, but the increased financial stability makes me feel like I would be doing a disservice to my family if I don't accept. [link] [comments]  |
| I think my Boss might throw me under the bus Posted: 03 Oct 2018 02:45 PM PDT I'm currently on a "developmental role" at my company, basically a try out for a promotion. I'm a strategy analyst and over the last two weeks I've built a model for one of our decks as was outlined by the VP. I built how he wanted it and gave it to him and everything was great. Last week my boss for this developmental role comes in and wants to change the entire logic behind these numbers. Okay. The VP agrees, I make the change. Two days later that boss decides to go back to the original model but with a tweak, it didn't really make sense to me and I made that clear but I went ahead and made that change (that was probably a mistake by me). Now that boss realizes that the version we sent out to the board is wrong like I said originally. What can I do to protect myself in this situation? I have all of the copies of the models I built but I don't want to come off looking bad if I go over my bosses head and defend myself preemptively however I don't want to take the fall for this and potentially be laid off or denied a promotion that I worked my ass off for without getting the chance to defend myself. Any suggestions on how to approach this? [link] [comments]  |
| Posted: 03 Oct 2018 04:57 AM PDT Sorry if this is a dumb question. I assume it is the latter but just wanted to be sure. [link] [comments]  |
| Teen plans on getting apartment with girlfriend after high school. Posted: 03 Oct 2018 06:45 PM PDT Hi all, my wife and I have a senior in high school and we were probing him this evening about what his plan was after high school. He said he plans on finishing vo-tech and enrolling at the local community college. He also told us he has been looking into getting an apartment with his girlfriend. I explained to him that there is a lot more that goes into living on your own other than just paying for rent. I started naming off all the different expenses he can expect and that if his girlfriend doesn't have a job then he's stuck with paying for everything. He said he understood but I'm pretty sure it all went over his head. Has anyone else had a similar experience with a child and does anyone have any advice or suggestions as to how I can get him to understand what it not only takes to live on your own but also with a girlfriend? [link] [comments]  |
| Who's right? Me or the husband? Posted: 03 Oct 2018 05:39 PM PDT We are selling our Home and after everything we should end up with 300k in the bank. We are also looking to buy a new home for around 300k. I think we should pay for a house cash because over a 30year loan the amount of interest you pay is insane. Then we could use the extra monthly money to save for retirement and invest. My husband thinks we should put 20% down on a house and then put the rest into longterm investment for retirement. We are in our mid 30s with no other retirement savings. We have no debt and have 2 small children. [link] [comments]  |
| 17 year old wanting to buy a car Posted: 03 Oct 2018 07:52 PM PDT I know I am going to sound spoiled, but I need help making my decision. I'm 17 with about $15k to my name and a car worth about $6k from my parents. I saved every dollar I've have made since 13 because I didn't expect to be given a hand me down car. My parents have agreed to let me sell the car I have been currently driving and let me buy something I want. They have also agreed to give me $8k since that it about how much they gave my sister for her car. I do not have to pay for gas or insurance until I am out of college, but I will be covering maintenance. I am looking at a car that does not depreciation very much, about 1k/yr, and is expected to go 150k miles at least. Thanks for any advice TLDR - 17 years old with no expenses with about 29k in total. 15k of my own money, $6k in current car, 8k from parents. [link] [comments]  |
| I need to apply for bankruptcy and my car just broke down... I need some advice? Posted: 03 Oct 2018 12:00 PM PDT Ill try to keep it simple. My wife and I make around 65k a year together. I was in a car accident 4 years ago that left me a 43k bill. I had about 7-10k in credit cards that i just stopped giving payments to after the accident. Most of it was use for bills and food as I also went through a pretty bad mental health crisis that lasted 3 years and Had few surgeries along the way. My wife was also involved in a few car accidents and now has debt of around 10k to car insurances and about 5-8k in credit cards that we also stopped giving payments too. 10 months ago I got my shit together again.. went back to school, got my degree and got my current job as a computer technician for our school district.. I drive a lot to the schools to do work as my office is located in the district main offices. I have not filed for bankruptcy yet as I also had about 15k in debt to family members that I finished paying barely 1 month ago. My car broke this weekend and having so much trouble at work and have absolutely no cash to get another one.. The only other option is to go to a "Buy here, Pay here" dealers and get a car in payments so that I wont lose my job. My desires are to apply for chapter 7 bankruptcy at the beginning of next year but I worry that getting a car in payments will affect something with the bankruptcy process.. Has anyone ever been in this situation or does anyone have any advice for me? I really appreciate any advice at all as im very desperate have been stressing out a lot. [link] [comments]  |
| Will i Raise any red flags with the IRS? Posted: 03 Oct 2018 04:45 PM PDT Hey all So as of today i was about 48k in debt, some of which wasn't mine. my parents lost one house which i wasn't able to help them with due to them owing to dam much and the 2nd house they only had 20k to go before they were done with payments, so i went to the bank and got a 20k personal loan, yes i was surprised they gave me that much without collateral. so that 20k went to pay off the house so they would not lose it. so we finally sold that 2nd house and now she paid me back to pay off the loan and since i helped them, my mom is helping me by paying off all my Debt so i can pay her back without interest, including my car which i owe about 22k on it. For the loan, since we have the same bank, we paid it off directly from her account, that 20k never touched my account. as for the rest she just transferred it to my account, again same bank. now for the car and other bills, since we did such a large transfer to my account, im wondering if i will raise any red flags with the IRS and have to pay taxes on that money she is helping me with? Thank you in advance. [link] [comments]  |
| Landlord lost my rent check; I don't know check number to cancel it Posted: 03 Oct 2018 08:09 PM PDT My landlord accidentally lost my rent check this month. Said it was sitting on his kitchen table then it wasn't there anymore. Of course, it just so happens that I used the old check that had been sitting in my wallet for years, and I didn't note the number on it (d'oh) and it looks like at this point I won't be able to know the number with any reasonable certainty. I once read somewhere that if you tell your bank a check or checkbook is missing, then you waive your rights if something happens and you didn't cancel your account at that point. What I'm trying to figure out is: if someone cashes it (and they're obviously not my landlord), would I be able to get those funds back? What would the best course of action be at this point? I've waited a week and a half to see if it'll turn up for him (and I sent him a new check in the meantime) so it's looking like it might not resurface at his place. [link] [comments]  |
| Newly married and trying to sort out our debt and finances Posted: 03 Oct 2018 12:09 PM PDT Hello, I have a personal loan of 9k (old credit card debt, part of a car loan and some medical bills all rolled together), 5k in credit card debt (one card, maxed), and 3k (after insurance) in medical bills due in the next month from an emergency I had a few months ago. He has 3k on one credit card with a limit of 5k, and another card that is empty with a 2 k limit. All of the cards have an interest rate of around 10%, my loan is 11%. His credit score is in the 720's and mine is in the 690-700 range (due to the maxed card, was in the 740's perviously) I take home about 2k a month and 1800 for him right now, but we are both in apprenticeships and can count on consistent raises every 6 months or so. The catch is we both have a week off every 6 ish weeks to go to school, and our jobs depend heavily on the job outlook and how much work we have available. We make 800 a month each on unemployment. I was thinking about trying to roll all of our debt into a new personal loan in my name, or into one in both of our names, or into a second separate loan (whatever has to happen) if at all possible. Our bare bones bills break down into 500 for rent 250 for payment on current loan 200 current credit card minimum payments (125 for mine, aprox 75 for his) 400 for food 150 for car insurance 250 for gas/parking 50 for phones 90 for dues For a total of 1945 Our gas costs go down If only one of us is working and i have a 1k emergency fund to cover small gaps if need be, and if we were both unemployed and absolutely had to we may be able work off some of our rent (we are living with my dad while we get our finances in order). Does the personal loan sound like the best option? I am nervous about charging the medical bills, having all of our credit maxed and being up to our ears in minimum payments. Even though I dont think the new loan payment would be much less than the other payments total, having it be consolidated and not messing up our credit seems like a benefit to me. Any help would be greatly appreciated! Edit: My work lately has been very hit and miss, I've worked one day out of each of the last 4 weeks and it's making me very nervous for our finances. I'm thinking about getting a part time job but having to juggle if/when my main job has work, apprenticeship school, homework and the part time job is a hassle. I know a lot of people do it, and I used to as well, but I'm not looking forward to possibly doing it again. [link] [comments]  |
| Have 500k in student loans and about to get a huge jump in salary, what should I do next? Posted: 03 Oct 2018 07:48 PM PDT Hello everyone! I've been doing work basically as an intern for the last 5 years and have mainly been focusing on paying off my debt and living as frugally as possible as I wasn't making much money. Me and my wife recently got married and have a combined 450k in student loans remaining. After I start my new job, our combined household salary will be close to 500k a year. I know that this is a lot of money and that I could probably just hire a financial advisor, but I like knowing how to approach things on my own. I was just wondering if anyone could point me in the right direction in terms of finding resources that will help me better learn how I can squeeze the most value out of my money while living comfortably. I don't know how I should be trying to budget to be able to set up my future generations while also enjoying myself. I know almost nothing about investing and I have very little knowledge of the details of financial planning beyond the basics. If anyone could help me out, I'd really appreciate it. If anyone wants any questions answered, so they'd be better suited to give me help, then ask away and I'll respond to this thread. Specifically, I would say the first thing I ask is, should I just pound out my student debt and then focus on investing, or be doing a bit of both at the same time? [link] [comments]  |
| Posted: 03 Oct 2018 06:12 PM PDT If my family is already covered through my wife's excellent health insurance, would the fact that a prospective employer would not have to cover me provide any potential for more salary? Or does it not cost them enough to make a difference? [link] [comments]  |
| Do I have to disclose salary history? Posted: 03 Oct 2018 03:56 PM PDT I recently finished my AA, so I applied to a few places cause I know that's the only way I'll get a raise. One company has asked me to provide supplemental info and I had an interview. Part of what they ask is salary history, and it has a red asterisk so its a required field to submit the form. I'm trying to get more money, either from this company or my current one, so is it advisable to exaggerate my current pay? Can my current employer divulge that if asked? Would the hiring company even try to double check that? Or is honesty the best policy and I should just chance a large discrepancy between what I make currently and what I want to make? [link] [comments]  |
| Just got a big-boy job with a 401k. How much do I contribute? Posted: 03 Oct 2018 07:15 PM PDT I am 26 years old. I am making $75,000. The company matches up to 3%. Between 3-5%, they'll match 50%. I definitely want to contribute 5%, I want to know if it makes sense to contribute more than that. I have a bit of personal/credit card debt (<$6000). I also have to pay back my bootcamp ($15,000 in 9 months, payments start next month). I don't pay rent. I pay for gas for my car and food. Edit: I also have the opportunity to put aside money after taxes, its a Roth 401k. Should I do this? How should I split the percentage between these two options? [link] [comments]  |
| Questions regarding paying off debt Posted: 03 Oct 2018 05:30 PM PDT I owe $2300 and some change to 4 different collection agencies. I called them and tried to set up a monthly payment plan to every month pay about $50 each till I pay them off and they said no. They all did offer a settlement offer though . For example: Verizon bill that i owe of $249.97 can be settled for $108.07. Etc. My question is this. How bad is it to pay off debt as settlements, rather then the entire price? I guess I can wait till tax refund in February of next year and pay the whole $2300 off. But rather not and pay the cheaper price settlements. Does it effect credit score or....? I'm trying to rebuild my credit score which is 555 at the moment. I can get a capital one secured card to help build next year as well. What do you say?.?? [link] [comments]  |
| Maxing out 401k vs Saving for Down Payment? Posted: 03 Oct 2018 03:13 PM PDT Hi all! I realize this is an age-old question- I'm sorry! I'm 22, fresh out of college, starting my job, and debt free. I want to buy a home asap, within the next 10 years. Unfortunately, in the area I want to live in for the rest of my life, as of 2018, the average 3bd2b home is $1.9million. Yikes. If I move to the outskirts and commute, I can probably score a 850k house. < Let's stick with this idea instead. **edit: you all opened my eyes about how unwise it would be for me to buy an 850k house. Thank you for that. If I commute 1.5hrs one way, I can find the same house but for 500k. Is this still too expensive? All my life, I've been told to always max out my 401k. I am fortunate that my financial situation allows me to do this; however, if I max the full $18,500 as of 2018, it leaves me with very little to save towards a down payment! Here's my question: What good will maxing out my 401k do if: I can't touch the money until I'm 60+ and it leaves me spending way over 10 years saving up for a down payment (leaving me stuck just paying rent for all those 10+ years)? I think that it's better to save for a down payment via high yield savings accounts, robo-advising investment programs, investments that I can cash out in 10 years, ect. than max out. I understand I'll be missing out on major compound interest magic and free employee-match money in the next 10ish years, but I just don't see how it's better to wait to buy a house when I'm approaching 40 or older. Nobody ever talks about maxing out leaves you with much less capital for a down payment. I'm no finance expert, so I'm unsure if I'm thinking about this the wrong way. Can anybody help me understand how to weigh the pros and cons and whether or not I should max out or save for a house? Thanks a bunch! [link] [comments]  |
| Leaving a job 6 months after relocating for a "better" position? Posted: 03 Oct 2018 08:30 AM PDT Please forgive me if this isn't the right subreddit, but my financial situation falls into this as well. To give you background, I am 22, I work for a retail company in a relatively niche industry as a "store manager" though I technically have three stores under my management. About 6 months ago I was moved from a small town in Illinois to a much bigger metro area with a booming job market. I'm making 35k a year and have reasonable insurance, and I was also given a $2,000 check to move (after the C.E.O. told me $3000). Right now my work life is incredibly hectic, I'm salaried and working at least 6 days, 50 hours a week with no overtime pay or bonuses. All three of my stores are understaffed when I'm not working I'm on call 12 hours a day and am frequently called upon to come in and fix situations. I've been trying to hire more help, but entry level retail is just not a hot career choice and I am not getting anyone that lives up to my companies standards for $9/hr. On top of all of this our industry is under fire by the FDA right now, online sales are dragging retail sales down, and it doesn't seem like this company is doing much to fix any if this. I moved out here for a company I really loved, a job I really enjoyed doing, but now I dread going into work every day. This job is taking all of my motivation and fire away from me. I've worked as a manager for this company for over a year, and was a store manager for the previous company (I was aquired in a buy out) for 2 years before that. I've moved twice for my career, and have relatively solid work experience for my age. I've been looking around at other jobs and I'm finding sales, marketing, and similar positions I meet the requirements for that pay around the same if not more to what I'm making now. Is it wrong to leave a company not even a year after I moved to help them out in a troubled market? TLDR: I feel like work is slowly burying me and taking away all my free time and motivation, love the people I work for but I'm worried about my position and sanity. I moved for the company 6 mos ago with a bonus but no "relocation to package" [link] [comments]  |
| Posted: 03 Oct 2018 08:16 AM PDT Title pretty much says it all. Looking for a credit card with a good sign-up bonus, so we can use the points to help pay for our flights to Europe. I'll probably open the card in January (unless there are good black friday deals or something) so I can rack up enough expenses to get the bonus points before the trip. I have a credit score of 800, so getting approved shouldnt be a problem. EDIT: Sorry, I wish I had asked this in my original question before answers started flowing in - Do you guys know if credit cards typically have any Black Friday deals? Like extra bonus offers, etc? [link] [comments]  |
| Advice needed for an online purchase Posted: 03 Oct 2018 08:02 PM PDT Iam sorry if this isnt the right sub. I was hoping it is due to my credit card (American Express) being involved. On 9/27 I received a MacBook Pro ordered from an ebay store that stated it is %100 fully functional besides the screen having a slight blue tint. Upon receiving it and using it for a while we realized the battery needs replacement and it keeps crashing due to a kernel issue. I took it to apple and they confirmed battery issue and printed me the quote for replacement ($200). They said if issues continue they will take it in for further diagnosis. It was working at the apple store after resetting the os so we figured the kernel issue was fixed and now at home it wont boot. This was today 10/3. Now on 10/1 i had messaged the seller stating the issues and they gave me three options. 1.Keep the computer and they give a partial refund ($60) 2.send back for full refund 3.send back for replacement (they dont have one) I don't really want to send it back for a refund because its a 16GB ram model which i know is not going to be easy to find again at this price. So when i take it back tomorrow and they do further diagnosis, and its an issue that is more costly. Is there anything I can do to have American Express or ebay help me have the seller cover the costs of repair or reimburse my purchase the difference? What tools are available to me in this situation? Thank you, any questions to clarify please ask. [link] [comments]  |
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