Personal Finance LinkedIn is issuing a refund for charging me with without my consent but I still got charged $75 in Sales Tax, can I get this taken away? |
- LinkedIn is issuing a refund for charging me with without my consent but I still got charged $75 in Sales Tax, can I get this taken away?
- Worked as a landscaper last summer and owner sent me 1099
- 30 with no retirement savings
- How do I convince my current employer to match a salary offer I got and not look like an asshole?
- Getting all your tax docs ready? Think about which software to file with.
- Always getting money back despite claiming proper number of W4 allowances
- I [19] will be kicked out of the house in a few hours.
- I’m 33, have a 403b with my company...question - do I have the money taxed before it goes into the 403b now or wait till its retirement age (when I’ll be in a lower tax bracket given age), to have the money taxed upon removal? Which is better? Tax’d now or later?
- State taxes vs minimum wage?
- [Collections] Received a Pre-Legal notice from Midland Credit Management for something I bought and immediately returned several years ago. Please help, any advice is appreciated.
- Not sure what to do with a 1098 Form
- How realistic is it for ONE person in the marriage to be the one saving for retirement?
- Made a mistake on last years taxes
- Car totaled in a hit and run.
- How to spend Saturday making money instead of spending money?
- I recently learned that a lot of people use credit cards for all purchases to get air miles and cash back, what are the best cards to get if you don't have a very good (around 600-650) credit score?
- Rental Property: I understand I can deduct repairs as expenses. Do I report insurance reimbursement as income?
- Friend's dad was diagnosed with leukemia and has about one year left. What should he do with his housing properties before then to ensure his family can benefit the most financially?
- Mother was evicted and is now homeless but lives in a different state by herself. What do I do?
- Best way to file taxes when husband wife about to divorce with 3 qualifying dependents???
- Claiming an adult, disabled dependent
- Buying a house in 2-6 months and my credit score fell 80 points after a dumb mistake from a Macy's purchase. Is it worth fighting or do I pay all of the fees to start rebuilding credit?
- Should I take a 401k Loan to clear my credit card Debt?
- Using Betting sites free bet promotions to profit
| Posted: 30 Jan 2019 05:06 AM PST I subscribed to the premium 1 month free trial of linkedin. I canceled before the month was up and still got charged. I contacted them and they are issuing a refund but when I see the amount they are refunding it doesn't include sales tax, so now I have a $75 charge to my account for a refund. Who do I contact about this? I went through PayPal, do I contact them or my bank or do I just get charged for a transaction that shouldn't have happened? [link] [comments]  |
| Worked as a landscaper last summer and owner sent me 1099 Posted: 30 Jan 2019 06:27 PM PST In Missouri. I worked for a landscaping company last summer and just received a 1099 in the mail. I was not a contractor but he used to say I was when I'd refer to him as my boss or when I asked if I could use him as a reference for my next job he said that I'm self employed and technically don't have a boss even though he set my work schedule, where and when I would visit clients, and when I got paid. Any idea what I should do? He was paying me cash every week until I got a new job [link] [comments]  |
| Posted: 30 Jan 2019 03:55 PM PST I'm about to turn 31 and I wanted to know if I'm screwed if I haven't started any form if retirement savings. My wife and I currently have $104k in student debt. We just bought a modest house because it was only a couple hundred more than renting. I figured we would gain some equity that way. I'm putting all of our extra money into the student debt and have a plan to pay it off in 6 years. So by the time I'm 37 hopefully I will not have the student debt looming over my head. My wife is a teacher so I guess she will have a pension to look forward to (as long as that's still a thing when we are 70). I have an option to do a 401k at my work but there is no matching so I was thinking about doing a personal retirement plan. Should I focus all of my money into paying off the debt or split it between a retirement fund and paying the debt off? [link] [comments]  |
| How do I convince my current employer to match a salary offer I got and not look like an asshole? Posted: 30 Jan 2019 05:26 PM PST I've been working at my current company for less than a year and I really like it here. I feel like I have a lot left to learn and I like my manager and my skip (manager's manager) a lot. I was recently approached by a recruiter and I decided to go through the process to see what my market value is and also because the recruiter was very good at her job. I now have a job offer from this other company and they're offering me a significantly higher base (15-40% raise depending on how I negotiate). The company looks good and my hiring manager seems to be nice as well. That said I'd really like to stay at my current company if I can because I have a lot to learn from my current manager and skip. I also have an SO who is financially dependent on me at the moment. TL;DR: Got a job offer with a good raise but I'd like to stay at my current company. How do I get them to match my offer without making it look like I'm holding my employer hostage? Edit: grammar [link] [comments]  |
| Getting all your tax docs ready? Think about which software to file with. Posted: 30 Jan 2019 05:30 AM PST A fast story; for a long time, I used HR block online to file taxes. Last year, they pulled some shenanigans (always, right at the end of the process), saying because of my income bracket, I had to pay $30 to file state, and $30 to to claim student loan interest. I paid it, and was pissed. They lost a customer that year. This year, I tried Turbo Tax. Again, same BS. Despite thousands of online ads that its free to file, they tried to charge $80 after I was done. I had read here that someone actually used Credit Karma to file, so before I hit submit with TurboTax, I gave it a go. Credit Karma had the exact same refund (down to the dollar) as turbo tax, and it was free to file. Just saved $80. For what its worth, I actually found TurboTax a much simpler, easier experience, but for the 45 extra minutes I spent on Credit Karma, it was worth the $80 saved. Edit: my AGI was about $140K, and I am in MI [link] [comments]  |
| Always getting money back despite claiming proper number of W4 allowances Posted: 30 Jan 2019 06:16 PM PST By "proper" I mean I fill out the form according to the instructions. Ideally I'd like to get $0 back. For the last three years, I've gotten around $5,000 back in tax refunds each year. I do 2 allowances on my W4. I'm single, no dependents, no one can claim me as a dep, deduct mortage interest and property taxes, and contribute ~18% of my paychecks to my 401k and Roth IRA. Should I increase to more allowances on my W4 or leave it alone? I think during the recent tax act they almost got rid of the mortgage interest thing and changed it at the last minute. Maybe I should not count on having my property writeoffs in future years? I did the withholding calculator mentioned by the bot, but it tells me to enter '0' and that I'll likely owe money. Pssh. [link] [comments]  |
| I [19] will be kicked out of the house in a few hours. Posted: 29 Jan 2019 12:02 PM PST I have a part time government job (20 hrs/week) that pays $18.50/hour. I am a third year for computer information systems in college. I have approximately $4000 in my bank account and I have no idea what to do since my school and my job are 13.6 mi apart and I will probably have no car. My paycheck of $1000 will be in my account tomorrow, but I have school MoWe and Work TuThur. I have a gym membership for a shower and was wondering about buying a car, and I can probably just live there. If I drop school, my job will drop me since it requires me to be a student at an accredited college. The reason why I am in a situation like this is because I have a very strained relationship with my family. While I like to say that some of it is my fault, they will never take blame for themselves, and my sibling (currently almost financially independent and out of state) has highly recommended that I do NOT live at home. If I hadn't met the friends I met in my life, I probably would have killed myself a while ago. All in all, it is impossible for my parents and I to compromise if I were to be myself and they were to be themselves. I really don't know what to do. I have friends that live in houses, but my life shouldn't impact theirs. I consider myself financially stupid and young and foolish but I am willing to learn from my mistakes. Let me know if I missed anything, I'm at work right now and my entire body is shaking in frustration. Thanks. Edit: I have a makeshift plan that I would ideally like to follow. If this plan is not viable, feel free to throw suggestions.
Apologies in advance for not responding as I am at work. Update: Some assholes down at the bottom told me to man up and solve it with my parents, so I did. I'm now covering more expenses on my own as a result, but I'm planning on staying until I get my degree and am gunna book it soon after. I'll be fine, and thanks for anyone who took the time out of their day to criticize me, support me, or give any type of advice. I will still talk to the financial department at school and see what my options are to get out of home ASAP, since it's definitely financially more smart to not have student loans. And lmao to those people who tell me I'm being a bitch. [link] [comments]  |
| Posted: 30 Jan 2019 06:51 PM PST |
| Posted: 30 Jan 2019 05:59 PM PST Sorry of this isn't the right place for this. I live in N.Y. So I'm taxed to death. I've been toying with the idea of moving to a state where taxes are lower. But I'm wondering if it's actually worth the trade off. States with low taxes also have a lower minimum wage. If you live on minimum wage is one better than the other? Do they break even? [link] [comments]  |
| Posted: 30 Jan 2019 06:55 PM PST I really apologize for this wall of text, I'm kinda scared. In early 2016 I went to Best Buy, and stupidly, on a whim opened up a Best Buy Visa card and purchased a gaming laptop. Within 48 hours I returned the laptop to Best Buy, called the number on the back of my Best Buy Citi card Visa credit card and notified them of the return. I honestly don't remember needing to do anything after that because I thought that the refund would be returned and I only had to pay about $80 in what I think were handling or some sort of a penalty fee. I could be wrong about the amount I paid, but I'm pretty sure it was around $80-$100. Today I received, via UPS, a letter from Midland Credit Management(MCM) that I am in Pre-legal status and will be sent to a lawyer(?) starting 02/12/19 for court proceedings. I know that I returned the laptop and spoke with someone from Citibank Visa notifying them of the return in 2016. I mean shit, I did it at the store right there after returning it. I realize the stupidity of what I did in regards to opening that Visa and then closing it, and I'm beating myself up over not paying more attention to what I thought were spam calls from telemarketers when they were probably notifying me of this situation. When I called MCM it went about the same as all the horror stories I've read here; they were very high pressure and kind laid on a guilt trip. MCM did offer a lower amount to pay, but knowing that I returned the laptop without even starting the thing, it just kills me to have to pay anything more. Especially since it was so long ago, among other factors. I didn't agree to anything on that call and ended it shortly after. I read the debt and credit repair section in the sidebar and will definitely use it to try and proceed. I'm just super freaked out with having to pay for something that I just cannot afford right now, barely living paycheck to paycheck every 2 weeks. It feels like I'm preaching to the choir and I know this is my own fault for not giving enough validity to past collections attempt that I thought weren't valid or just straight up fraudulent. On a side note, and I thank you so much if you've made it this far down. But, I am currently, and have been for over a year, in a program at a local hospital to beat my addiction to opioids. I've been clean this whole time but between the Dr. visits and high cost of the prescriptions that aren't fully covered by my health provider anymore I am feeling more broke by the day. Just refilling my anti opiate prescription can cost just over $200 a month, and that could be much worse so I'm thankful for that. And yes, I know it's my own fault for getting addicted to painkillers. But, everything I'm doing right now in life is for the betterment of my wife and child, who are all I care about. So sorry for the wall of text, and thank you so much for reading this. All advice and suggestions are very appreciated. I am a married parent & we have a wonderful 3 year old girl, and being the sole household earner while also going back to school once a week to try and learn a new trade to make more money to be able to take care of my family...it's just that this feels like the proverbial straw that's going to break the camels back. [link] [comments]  |
| Not sure what to do with a 1098 Form Posted: 30 Jan 2019 08:03 PM PST My girlfriend and I bought a home last year but we keep our finances separate. However, the mortgage lender has me listed as the primary borrower and sent the 1098 form with only my name on it. I'm not sure how to handle it for our taxes. Anybody have a suggestion? [link] [comments]  |
| How realistic is it for ONE person in the marriage to be the one saving for retirement? Posted: 30 Jan 2019 06:24 PM PST I know nothing about this and am honestly curious if anyone can weigh in on the topic. This is not a dig at stay-at-home parents. My husband and I both work and do not have kids. We've agreed that when we have kids we will both continue to work. He started his career closer to age 30 due to schooling and I went to graduate school for 2 years and know I want to work. I've always justified my desire to work by saying that 1. I know I make enough to offset day care costs if I had a child tomorrow and 2. I am still contributing to retirement before what I take home and that seems irreplaceable. That said, when I talk to others who say they plan to have one parent stay at home or they are a stay-at-home parent, I'm always struck by the burden the single bread winner is carrying in regards to retirement. How feasible is it? What does one have to do? EDIT: Thanks for all the thoughtful responses! It's just a topic I've thought about but never done the math or really looked into it. [link] [comments]  |
| Made a mistake on last years taxes Posted: 30 Jan 2019 03:12 PM PST I just finished doing my 2018 taxes and noticed my refund is wildly different than my 2017 taxes. I then looked back and realized I accidentally put ~$8,000 federal income tax withheld instead of the correct $5,000. What are steps to correct this? I've done some googling but my head is kind of spinning right now knowing that I owe thousands. What should I expect as far as fine and penalties? Any future trouble with the IRS? Any help is greatly appreciated. [link] [comments]  |
| Posted: 30 Jan 2019 07:09 PM PST In NY. So some lady totaled my car and ran. We found her the next day at a local convienent store and the cops got her to admit to it. I know insurance isn't going to give me a ton of money for my claim bit I'm hoping to at least get market value for the car. How do I get out of this in the best possible position? Can I go after the lady who hit me for 120 dollars Im paying for the rental? What do I do if the insurance company gives me a junk pay out for my totaled car? [link] [comments]  |
| How to spend Saturday making money instead of spending money? Posted: 30 Jan 2019 09:22 AM PST So I'm employed full time (salaried, so more shifts or overtime are not an option), but I feel like Saturday's are sunk into YouTube videos and 1 hour of productivity. How can I use that time to get closer to achieving my financial goals? As I understand, gig economy things like driving for Uber/Lyft and walking dogs or whatever can actually fail to break even unless you have the time to treat them like a full time job, which obviously doesn't work for me. I'm not looking to double my income or anything so dramatic, but I don't want to drop 8 hours on the weekend and walk away with $45 either. Any tips or advice? [link] [comments]  |
| Posted: 30 Jan 2019 04:29 PM PST Or is it best to try and get a score of at least 700+ to get a good credit card for cash back and air miles? Edit - I read that a lot of people use credit cards to buy all purchases and then pay it off before the interest is added each month [link] [comments]  |
| Posted: 30 Jan 2019 08:00 PM PST I own a rental property (managed by a property manager, not AirBnB or anything just a standard 12-month lease) that required $x repairs in 2018. The homeowners insurance paid me $x-$500 to cover those repairs. When filing my federal income tax, do I report the insurance payment as income? The insurance company doesn't seem to have provided me with any tax documents for this event. If so, what form do I need to use to do so? Just want to make sure I'm doing the right thing and filing properly. [link] [comments]  |
| Posted: 30 Jan 2019 03:03 PM PST Hello r/personalfinance, I am writing this post for a friend. Unfortunately, he found out very recently that his dad was diagnosed with stage 3 leukemia and his doctor estimates that he will have roughly one year left to live. He has many properties that he has kept to rent out to people over the years, but he is not sure whether he should sell them all within this coming year, even though the current market hasn't been great to sell. If he were to keep these houses to wait for a better time to sell, would ownership technically go to his wife/children whenever he passes away? Is there a limit to how many assets his children and wife can inherit? My friend is unsure about how to best move forward, and his dad only wants to be able to leave behind as much as he can for his family. If anybody has any good advice and steps to follow for a situation like this, that would be extremely appreciated. Thank you so much. [link] [comments]  |
| Mother was evicted and is now homeless but lives in a different state by herself. What do I do? Posted: 29 Jan 2019 10:53 PM PST So I (28) live in LA and my mother (70) lives in Honolulu, Hawaii. I'm going to try to give the best run down I can without making this so long winded: For the past 8 years her mental health has been deteriorating but I don't think I truly noticed (or maybe accepted it) until two years ago when my sister (who lives in Europe) and I had to make an emergency trip after discovering my mom owed 3 months in back rent and was being evicted. When we arrived we discovered she had been living in extreme hoarding conditions and was not well. She ended up staying with my sister in Europe for a month while we worked on a solution. We had urged her to find a place near me to live but she was dead set on returning to Hawaii. We found a room in a house and a temporary job as a dishwasher (again her wishes) and she flew back. A year later, after a lifetime of begging her to do it, she finally applied for bankruptcy. A miracle. I thought things would be better for her, with her new limitations and clean slate. She seemed to be heading down the right track. Fast forward to today, for the last three months I've had limited contact with her. She lost her phone a month ago and called once or twice from a neighbor's phone. Today she calls me in an emotional state saying she's been kicked out the place she's been staying in. For the past few months when she does call me she says crazy things about her workplace, friends, and place she's living in. Some of them I feel are true, others not so much. I can't confirm what her living situation was like: she had said she was being sexually harassed by roommates and that they were stealing her groceries and what not but when I asked a friend about what the state of my mom seemed like, she said well. The last contact I had with her she said she slept on the streets last night in front of the house she was evicted from with all the stuff she's been hoarding. She was equally emotional about not knowing where she was going to store all the stuff. A few things I'm sure of: - My mom suffers from dementia - She has huge financial struggles because of it and her depression, she spends all her money on books, clothes, dishes, random shit and has built up a hoarders collection again - She told me to contact her "boyfriend" for help. I've never met or contacted this guy ever. I called and he said she's been stalking him for the last 2 years and wants to call the police if she continues (a shocking discovery, as my mom has never shown such behavior before but she is completely delusional about her relationships with people) - She has no family except for myself and my sister - She can't live with my sister (who is recently divorced, single mom of two and is in Europe) and she can't live with me (I live in a tiny apartment with my wife and money is tight) - We have invested over $20,000 (my sister and I) trying to help my mom with her debt situations for the last 15 years. And it's lead to this. My sister is basically done with helping her; I was nearing that point until I heard my mom tell me she slept on the street. It was shocking. - She gets $711 per month from Social Security. Has no savings or assets and was recently let go from her job as far as I understand What are my options to help her? Initially, years back, I was hoping she would find a place close to me to live using her social security plus a part time job. That way she would have contact with family and I could keep an eye on her. But she refused and still refuses help. She isn't well and her mood swings years ago were so heavy that I had to put myself in therapy because I had a nervous breakdown. I've talked to some professionals and realize that maybe there isn't much I can do because her mental illness is taking over and has been challenging to communicate with. But she's my mom and I just want to feel like I exhausted all options without of course: throwing money at the problem for the 1000th time and losing my sanity in the process. Just hoping someone has had a similar situation and has advice. UPDATE: after calling the cops to do a welfare check (they didn't find her) I thought the worse had happened and that she just drifted somewhere without any line of communication to me. But a stranger called me saying that they had helped my mom. She had spent two nights on the street in front of the residence she was evicted from and that a stranger saw her and took her into his apartment (father and son) and that neighbors around her helped her move all her things. I'm grateful. It seems like her next plan of action is to move into that apartment complex, apparently there's an opening next door to where she's currently staying. The guy who helped her said they take section 8... how does one apply for that? Or would she even be eligible if she has a job and receives SSI? I just wanted to thank everyone for their responses. Truly, wasn't expecting to see so many. I don't plan on helping her anymore financially, besides mailing a new phone so she can stay in contact (as many of you stated, throwing more cash at the problem isn't a solution. I spoke to my sister about it and we're in agreement). She seemed very determined that she was going to move next door and make money to do so. I will let her find her way, I'm hoping the experience will change her mind about how she needs to handle things. [link] [comments]  |
| Best way to file taxes when husband wife about to divorce with 3 qualifying dependents??? Posted: 30 Jan 2019 06:33 PM PST One made about 45k the other about 20k one dependent is over 16 (17) what's the best way to file taxes for 2018? Have 20k claim all 3 dependents? To maximize refund? Split dependents? Can both claim HOH if they split dependents and what's the best filing status? Should 20k file HOH are other single? They are still not legally divorced for filing 2018 purposes. In crunching numbers on myfreetax and it's becoming a headache. One parent is trying to outsmart the other and take as much refund with them while other party just wants to get a slice of the refund. Anything at all basically. [link] [comments]  |
| Claiming an adult, disabled dependent Posted: 30 Jan 2019 08:15 PM PST Some years ago I took on guardianship of my 22 year old ASD sibling and was dubbed payee for his disability checks. A coworker of mine told me he is able to claim his 22 year old ASD son on his taxes but when I attempted this recently, I got nothing. Is this guy's doing something he shouldn't be or am I doing something wrong? I never tried to claim him before because we weren't in as tight a spot as we are this year (and I never really thought I could as he's over 18 and not in school). I always use Turbo Tax. Grateful for any advice. [link] [comments]  |
| Posted: 30 Jan 2019 08:13 PM PST TL/DR: I'm planning on buying a house in 2-6 months and recently my credit score fell 80 points because of a mistake made by Macy's and my own lack of detail/credit monitoring. In August I opened a new Macy's credit card and made two purchases within 24 hours by using my drivers license at the register, as I haven't received my new credit card yet. One of the purchases was charged, in error, to an old Macy's credit card that I opened over 2 years ago. I'm dumb and didn't notice until it appeared on my credit report and my score fell 80 points. Is it worth fighting this or it better to pay everything off (including $175 in fees/interest) and start repairing my score? A few years ago I opened a Macy's credit card, made a few purchases to take advantage of a store discount, paid it off right away and pretty much forgot about its existence. Last August I went to Macy's to buy a new suit along with a few hundred bucks of new clothing and as usual they had some sort of deal going on where you can save 20% (or something similar) on your purchase and any purchase made in the next 24 hours. Since I was buying about $500 worth of clothing I decided that I'd open a new card to save ~$100. I opened a new card paid for my purchase and left. The next day I came back and made another purchase of around $200. Since I haven't received my card yet, I must've provided the cashier my license in order to buy using my new Macy's card. I paid off my new card in full pretty much right away and once again forgot about its existence. This week I checked my credit report and saw that my score has plummeted 80 points! I'm in the process of buying a house and this is a HUGE deal. The only new strike on my report is my 2+ year old Macy's card which all of a sudden has a balance and is 90 days late! I called Macy's, was transferred to Citi Bank and eventually connected the dots that the second part of my purchase was billed to my old card. I'm an idiot for not noticing that the balance was $200 less than the amount of clothing that I bought and I'm an idiot for always throwing out letters from Macy's for what I thought were $0 statements without ever opening them. The representative at Citi Bank told me that I can write a letter explaining the situation and request that all interest charges and late fees are dropped (~$175) and to request that the missed payments are removed from my credit report. What are the odds that any of the interest/late charges will be dropped and the negative marks are removed from my report? Macy's did charge the wrong credit card and not the one that I asked them to charge the purchase to, but a good chunk of this is also my fault, right? Is my best course to just pay it all off as soon as possible to start rebuilding my credit score or is it worth it to file a dispute? [link] [comments]  |
| Should I take a 401k Loan to clear my credit card Debt? Posted: 30 Jan 2019 05:54 PM PST A while back I consolidated all my debt to this card as it was 0% interest for a year. Year went by and I managed to clear a good amount but have 10k left over but now I'm at a crazy 20%+ interest rate. I make ok money and still able to save but this interest rate is killing me. I have about 20k on my 401k and my roommate mentioned why not take a loan from them? Thing is I'm not sure if they charge Interest to pay my self back? Of if this is even a good idea? Help. [link] [comments]  |
| Using Betting sites free bet promotions to profit Posted: 30 Jan 2019 07:36 PM PST In NJ with the recent legalization of sports gambling and the Superbowl coming up, there are tons of ads by different sites for risk free bets - if you lose your first bet get up to $500 (even $1k) back in site credit. It seems like one could easily sign up on two sites, Make opposite bets on each site and pocket the winnings then use the site credit (on the loss promo) to make an extremely high probability bet where now they turned credit into cash. Please let me know what I'm missing here otherwise it's time to cash in on this Superbowl [link] [comments]  |
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