Personal Finance Elderly mother logged into fake PayPal account with her social security number. |
- Elderly mother logged into fake PayPal account with her social security number.
- My W-2 came in today, envelope addressed: "We found this in our yard! Thanks - your neighbors"
- A best friend is moving, and wants me to "take" his house. He's being incredibly flexible and generous, but what options do we have?
- New Federal employee: Wondering about retirement, any other benefits I don't know about yet
- Did my student loans get forgiven or did my credit just get irrevocably destroyed?
- Lost job while in the process of moving
- Moving out budget check and any good advice welcome. Thanks
- Some questions about where to put monthly recurring investment without the strings associated to retirement options
- Dad passed away. Do we need to sell our home?
- Scam claiming I ordered something using someone else's info?
- $400 electric bill when it’s normally $120ish
- Mom keeps getting identity stolen. Her house burned down so she has to keep unfreezing her credit. Is there anything she can do?
- PayPal Checking Account Fraud
- Paying off Car Loan Early: How will it affect my credit ?
- Taxes: Is this right?
- Debit card used fraudulently, have the address. Do I report it?
- Contemplating disability insurance coverage as work does not provide (27 yo F)
- Is it a good idea for me to go out my name on a lease I can't afford?
- How do I backtrack where the money in an IRA came from?
- Always call before paying any medical bill received in the mail
- 1098t tax form question
- I am a college student with a part time job. What should I do with the money I have coming in?
- Which low cost index funds would you recommend from both Fidelity and Vanguard?
- Wanting to learn how to budget. How did you learn? Workbooks? YouTube channels? Other books? Lessons at a CC?
- Best credit card for immigrant with no credit score (married though to an American)
| Elderly mother logged into fake PayPal account with her social security number. Posted: 27 Feb 2019 06:21 AM PST Hi. I hope this fits here. As the title states, my mother logged into her PayPal and it said to verify her identity, she should enter her social security number. She is usually very skeptical but entered it anyway.. it went to her normal PayPal account so she didn't really think anything of it. But she thought about it later and called PayPal and they said that was definitely not their website. She has put a freeze on her credit cards and her pay pay account. They instructed her to change her password and she did. Is there anything else my mom can do to prevent funds being stolen? Her social security? Thanks for reading. She is so stressed out so if there is anything reassuring I can tell her, from similar experiences or whatever, please let me know. [link] [comments]  |
| My W-2 came in today, envelope addressed: "We found this in our yard! Thanks - your neighbors" Posted: 27 Feb 2019 05:08 PM PST I have been waiting a few weeks to get my W-2 and it finally arrived, slightly damaged. It seems it wound up in my neighbor's yard and might have been opened before they found it. It was placed in my mailbox in an envelope with the message I put in the title. The original envelope is nowhere to be found, and there is clearly some water damage on the paper (not a huge deal). I'm worried someone out there now has all the info they need to steal my identity, and I'm looking for any recommendations of what to do besides freezing my credit for the time being. Thanks. [link] [comments]  |
| Posted: 27 Feb 2019 09:32 AM PST A friend is moving across the country and is wanting my wife and I to live in his home. How, is yet to be determined, but we aren't even sure what options would be best. Some background: My wife and I are currently renting an apartment. We've been saving for a house down payment, because we'd like to avoid PMI or becoming upside down in the house quickly. We've been targeting houses in the $100,000 to $200,000 range, but weren't quite ready to buy. We currently pay $950/mo in rent. Friend's house is worth right around $130,000, and he has $100,000 left on his mortgage. His mortgage payments are right about $950. He's moving permanently, so does not want to retain the house long-term. Our friend is being extremely generous and trusting, but we want to make sure whatever happens is good for him, too. We've debated on renting from him for a time, possibly a rent-to-own situation, though he wouldn't want to include an up front payment for the purchase option or other things like that. He's also suggested we adopt his mortgage as payment for the house. I'm guessing this would require a refinance and thus down payment on our end, but I'm not at all sure what the process of that looks like vs. just buying. Even though he isn't asking for it, we'd likely want to include some additional equity for him. Any thoughts on a best course of action? Things to watch out for? [link] [comments]  |
| New Federal employee: Wondering about retirement, any other benefits I don't know about yet Posted: 27 Feb 2019 06:56 AM PST Hey everybody. I have cerebral palsy and filed for SSDI last year. Got my first payment last week (They say I owe them money from an overpayment- but I'm working on it) I just got offered a job at my local Department of Veterans Affairs Hospital. Interviewer said G4 pay rate. HR said they'd consult with them and see if they can push me to G5 or G6. I've always wanted to work for the Federal Government and definitely want to make a career out of Federal Service. Anywhere I can get some details on how Federal Benefits work, I think I can get better auto insurance with Geico now. (I checked with USAA, I'm not eligible even being a Federal Employee) [link] [comments]  |
| Did my student loans get forgiven or did my credit just get irrevocably destroyed? Posted: 27 Feb 2019 04:12 PM PST My credit is trash due to a multitude of reason, some of which I caused, some of which I did not. I recently checked my score and it was (expectedly) very low. I went to also check the outstanding accounts I had and noticed something odd. My student loan account had been closed. Curious, I went onto my student loan account website and it confirmed that I had no outstanding balance and the account had been closed. Now some important information:
So here I am now, very confused. I owed upwards of $15,000-$20,000. How can it just be gone? My assumption is that is was somehow written off as bad debt and they shredded my score for it, but I don't really know anything about credit so I'm not really sure if that's something that they even do with student loans. I keep seeing all these "ads" about people who went to -my first college- getting loan forgiveness and "people born before 1997" getting loan forgiveness and people who were Bio majors getting loan forgiveness, but I obviously never took them seriously. So, does anyone have any idea what might have happened? Edit: to add that this debt is not even on my credit report anymore. It doesn't show that I owe more than like $800 total for all my debts, yet my score is still trashed? Edit: added more info [link] [comments]  |
| Lost job while in the process of moving Posted: 27 Feb 2019 02:13 PM PST I signed a lease for an apartment in a different state, because I had a steady job with savings and want to live in the same city as my SO. However, there was a recent round of lay-offs at work, and I was informed that I will be losing my job. After the initial shock, I became worried about moving, and I'm hoping for some advice. Should I break the lease (and pay the $2,000 fee) and stay where I currently live, with a much lower monthly rent, or should I continue with the move and use it as motivation to earnestly search for a job in the city I am moving to? Although I know that breaking the lease and not going forward with the move is the most secure option in the short term, I worry that finding a job remotely before moving will cause problems in the job search, and that I'll ultimately be stuck where I currently live. I would greatly appreciate any advice! TL;DR: Lost job while in process of a long-distance move. Should I move anyways and job hunt in earnest in person, or should I stay where I currently live and possibly be stuck here? [link] [comments]  |
| Moving out budget check and any good advice welcome. Thanks Posted: 27 Feb 2019 06:36 PM PST Lived with parents for awhile after school. Ready to move out. 900 Rent 420 Food 110 Gas 267 Car Payment 180 Credit Cards 100 Eating Out 1977 I take home about 500 a week. Not counting commission. Commission should be about 100-200 per week for next few months. Then 250-4 per week in busier season. But I need the jobs to get finished and then wait 2-3 weeks for commission. Have 5,000 rain day fund(maybe little more). Food is a little high and so is cards.(safe estimates) I plan on saving maybe 40 off from food and 20-40 on cards. Gas could be high too maybe 10-20 there. Same with eating out 10-20 there. Rent is all included. Plan on saving Commission or pleasure spending. Any advice would be great. I know I only bring home a little more then twice the rent. But again I have not included commissions. Have a sale but wont get paid until May. Phone and insurance included. Thanks a ton [link] [comments]  |
| Posted: 27 Feb 2019 06:15 PM PST I'm already going to take advantage of my employer's 401k available with matching. I want to do more, so I'm looking to put at least a few hundred dollars a month towards an investment. Based on information I've found from reading through old posts is that Vanguard is the best option. From looking around on their site, it seems that what I want is an ETF or Mutual Funds. That's where I'm hitting a road block. And, where I'd like to get some help from the community. I have a couple of things that I'd like this investment to "be": -not incur any fees for withdrawal of money in the future. I plan to invest money long-term, but do plan to use it for spending money. say, for a vacation, or to fund some fun time during the summer. -I don't want to micromanage it. meaning, I generally don't care what the individual stocks I'm purchasing are, as long as the return is good. -I'm willing to take the highest risk on this money as it's going to be considered "play money". but, I do expect to make a return. -I would do a yearly assessment of distribution yearly. Every 5 years or so, I would entertain pulling out some money for a large purchase, or to invest in another ETF/Mutual funds. During all of this, I would still be making deposits. -Lower costs are better, of course. But, if it makes investment sense to pay more for fees to get a certain return, I am open to that. Based on what I've seen in the other posts, it's always better to have low fees. But, wanted to note this just in case this is an option that someone is considering recommending. [link] [comments]  |
| Dad passed away. Do we need to sell our home? Posted: 27 Feb 2019 05:17 PM PST I live in the U.S. My dad suddenly passed away and we have a 350k mortgage. We pay $1700/month for the mortgage but most of that is interest and we've only paid off 6k after a year (according to my sister) and $350/month for our HOA fees. My mom is unemployed and always has been. She does not qualify for the widow social security benefits for 3 more years. She has a mortgage to pay in another country (where she lives) of $700/month. We altogether have 70k savings, including what my dad left behind. If you subtract taxes, my sister makes 2k/month. I make 1500/month. By the end of this year I plan to make at least 4000/month with a new job. I know this is a bad situation. Do we need to sell our homes to pay off the mortgage, and rent a place instead? I don't really know how mortgages work and if it would be worth paying the same amount of about $1700/month in our area to rent what will be a smaller space, pay a realtor part of the commission, deal with moving all our stuff and either discarding large items and furniture or getting a rental unit, etc. We do have an extra room we could rent out for around $800/month. What are our options here? Our family has been too dependent on our dad as you can tell. I will be a little more financially stable with my 60-70k salary later this year but I don't know how that would help with my mom being unemployed and my sister not making much. I told my sister to go back to school so she can get a higher paying job, but that would require money and maybe her cutting back work hours which we can't afford right now. My mom considered looking for work but honestly I don't think she can find a job because she hasn't worked for over 30 years and she isn't a very skilled person nor is she able to get along with people very well. I feel that we can keep paying our mortgages and if we get a roommate who pays $800/month that will help. Maybe I'm just not understanding the situation correctly though and we're in over our heads. Please advise - thank you! [link] [comments]  |
| Scam claiming I ordered something using someone else's info? Posted: 27 Feb 2019 08:54 AM PST I received a call from an angry person claiming that I had used their bank account information to place an order. They threatened to contact the police and my place of work, which they tracked down based on information available online. Needless to say, I didn't place the order, and I contacted the merchant in question to confirm that no orders are outstanding under my name. Has anyone else run into a scam like this? The confusing part is they are not actually asking for anything... yet. [link] [comments]  |
| $400 electric bill when it’s normally $120ish Posted: 27 Feb 2019 02:05 PM PST To start off I'm not sure this is the right place to post this but it deals with finances so here we go. I live in an apartment complex and it's cold outside. My electric bill I received today in the mail says I owe $427.93 when my usual bill isn't over $200 I'm not going to be able to afford this with all my other bills I have to pay I need help [link] [comments]  |
| Posted: 27 Feb 2019 01:26 PM PST My parents have had a rough go lately after their house burned to the ground. Years ago someone opened 3 phone lines in my mom's name. Was a giant pain for her to deal with. Afterwards she froze her credit and put on a ton of alerts. But then their house burned down in one of the big wildfires in November. They then had to rush to get an apt in the area near my moms job as suddenly like thousands of ppl were homeless in an area without much vacant housing. She was frantically unfreezing her credit at my house to get an apt. Then after that she applied for an SBA loan for fire victims. That was rejected so they may need to try for other loans to rebuild their house. (They had insurance but rebuilding costs are crazy high and new rules may require stuff like 100k retaining walls to rebuild etc). Anyhoo, my mom stopped freezing her credit to deal with this and every time she does someone will open a credit card or phone or something. Clearly someone has all her info. My mom is super neurotic and tech savvy so she always sees stuff within a few days but she keeps having to make police reports and it's a giant pain. Someone even stole the new checks that had just been sent to her in the mail for her account with the insurance money in it and wrote a check from it. I'm assuming that was just a horrible coincidence? Unless they knew she had been sent checks somehow? Anyways, beyond unfreezing and refreezing credit over and over, can she do anything? I assume she can't change her SS number. She changed addresses and that didn't help... [link] [comments]  |
| Posted: 27 Feb 2019 05:42 PM PST Hey Reddit - tl;dr My wife has fraudulent charges in her checking account from PayPal. Her bank won't freeze or close the account while there are pending transactions. They say our options are to wait for the transactions to go through or empty the account and risk overdraft fees if there are any more charges. Last night my wife noticed unauthorized charges in her checking account, with the other party being listed as PayPal. The charges were as follows:
Upon noticing, she immediately called her bank (PNC) and notified them of the fraudulent charges. They said they were unable to freeze or close the account because there were "pending transactions" (i.e. the fraudulent ones). Unfortunately, they noticed these transactions were using the routing and account number, so canceling the debit card wouldn't help. The only thing they said they said they could do is block future Paypal transactions. Fast forward to today (2/27) and my wife noticed ANOTHER PayPal charge for $0.25 (obviously they didn't block it like they said they would). After going into a branch and speaking to a manager, they told her the same thing. They can't freeze an account with pending transactions, unless they get approval from some Regional VP, and suggested we wait until the transactions to clear, then close the account. Our thought is, what if these transactions occur daily (thus keeping a pending charge on the account) until her balance is reduced to 0 or goes negative? I suggested we withdraw the rest of the money from the account which they advised against as they said it's more difficult to get overdraft fees waived than it is to get fraudulent charges reimbursed. We tried to call PayPal and sat on hold for an hour before the call dropped. Sorry for the long winded post, but I'm at a loss for what our next steps should be. [link] [comments]  |
| Paying off Car Loan Early: How will it affect my credit ? Posted: 27 Feb 2019 07:56 AM PST I totaled my car and will be getting a settlement from my insurance to pay for the car. I was also wanting to pay off the remaining balance on another vehicle I own. Both of these payments would come before the end term of the loan. I have read online this could adversely affect my credit score. Should I keep the loan on my other vehicle and continue to make monthly payments or pay it off? I have a credit card too that I use to build credit. Edit: I'm only 22 and the age of my credit is only 3 years [link] [comments]  |
| Posted: 27 Feb 2019 04:19 PM PST I'm 20 and filing taxes on my own for the second time. Last year I had to take out loans and was able to get a tax refund. But this year, it says I owe ~750 federal and state taxes (1500). Over the summer I had a job where I made around 6k and they withheld 300. I also received more scholarship and grants summing up to 90k. My school's tuition is 72k, so my income is listed as 24k. Is this right? Maybe I'm just learning why everyone complains about taxes, but that extra grant and scholarship money goes towards food, books, tech needed for class, rent, medicine, food, etc. Don't really have that much money at the moment. [link] [comments]  |
| Debit card used fraudulently, have the address. Do I report it? Posted: 27 Feb 2019 05:31 PM PST I just found out that my card was used to place an online order for Dominos. It wasn't much, only about 50 and my bank said they will refund it no problem. My question is should I call them back / the police with the address used to place the order? For whatever reason the people saved their address and the store they used. I get that it could be a fake address used, but with something like Dominos, the person would have to probably answer the actual door at the address right? Anyway, is this worth my time or just let it go since the bank said it's no problem and are taking care of it already? [link] [comments]  |
| Contemplating disability insurance coverage as work does not provide (27 yo F) Posted: 27 Feb 2019 06:13 PM PST Total yearly cost would be about $1700 with coverage for total disability after 90 day elimination period (and your own occupation coverage) and also has a rider for residual disability rider for losing 20% of your income d/t injury/sickness AND unable to perform some duties or work full time in your own occupation (guaranteed at least 50% of your monthly benefit for residual disability). Monthly benefit would be $5610 (67% of my monthly income) in the event of total disability and could continue until age 65 Disability phrased as "you must be unable to perform the substantial and material duties of your occupation and you are not working" Of note, pregnancy and childbirth are covered with after the normal 90 day elimination period. We have not yet had children but will be starting to try within the next 6 months. We are currently renting an apartment but will be buying a house in the next 4-6 months and want to protect our income. My husband is also working and has disability insurance through work that he does not pay for. Together we make around $200,000 before taxes each year. We also ran the numbers for a monthly benefit of $4000 rather than $5610 and this cost would be about $1200 per year. Policy would be through pharmacists mutual (via principal) Thoughts? Perspectives? Also posted in r/insurance [link] [comments]  |
| Is it a good idea for me to go out my name on a lease I can't afford? Posted: 27 Feb 2019 02:22 PM PST So I live in San Francisco and ive been living in a three bedroom house with two other guys we split the 3200$ rent. Unfortunately the guy who was originally is leaving soon and my other roommate was planning on leaving within the year. As anyone in the are knows 3200$ for a big three bedroom with parking, laundry, location, and in the condition it is in , this is a great deal. That being said I'm only 20, I go to school full time and work part time and could never afford that rent. My parents who however are decently well off and offered to help me on the lease as well as help me on renters insurance in the case something happens. This is a huge responsibility for a 20 year old, but with the backing off my family I think I could be okay, is there anything I should be aware of or something I'm over looking [link] [comments]  |
| How do I backtrack where the money in an IRA came from? Posted: 27 Feb 2019 07:46 AM PST I received a letter from a reputable financial company stating that they had just bought out a "lost" IRA in my name. I talked to my current's retirement account guy, and he said it's legit and I filled out the info to roll it over into my current account. However, the company that they list as the "employer" that the IRA came from is actually another IRA holding company. So I have no idea where this money came from. I know for a fact that I don't have any old retirement accounts, much less ones that would have 5 figures. So now I'm assuming it's some other kind of money that went unclaimed and ended up put into an IRA. But where is that money from?? So, my father passed away almost 5 years ago. If he had any IRA, it's possible it hadn't started drawing from it. But given his employment and financial history, it's very unlikely that he had a retirement account at all. My aunt dealt with whatever "estate" he had, which was likely nothing. My step-mother, my father's ex wife, passed away a few years before him, and she did have history of working in jobs that likely had some kind of retirement plan. My only thought is that she had a retirement account, started it when they were still married, and the kids were under 18, and named him as a beneficiary (or whatever), and then didn't remember about it at all by the time they divorced, as she was on disability at that point, and then got sicker, etc. So maybe that money went to him, and then eventually they found me? (I'm his only child.) How do I backtrack the money? And if it's inherited somehow, do I have to pay taxes on it? And if it's somehow not actually mine, then what? I just don't want to stick it in my retirement account and have to give it back someday! [link] [comments]  |
| Always call before paying any medical bill received in the mail Posted: 26 Feb 2019 07:41 PM PST Recently got a few cavities filled and paid my share of the costs up front and (I assumed) insurance took care of the rest. A month later, I get the EOBs from my insurance and a balance bill from the dentist's office. The numbers didn't match up at all; the dentist billed me for a $200 balance payment. So called the insurance first to see why that didn't show in the EOB. They said that they paid all that they had to pay and they've recorded that I've paid all that I needed to as well. They told me to call the dentist's office and either revise what they sent to them or reduce/remove those extra charges. I called the dentist's office and at first they hemmed and hawed about some x-rays that were rejected by the insurance (nothing like this was mentioned by the insurance provider, I'd asked specifically if anything submitted was denied). They said the balance due is actually $100 and not $200. I said that's still not good enough, my insurance has assured me that I don't have to pay anything and that figure is nowhere in my EOB. They asked for a day to cross-check with the EOBs on file with them and call back later. Next day, I get a voicemail saying they reduced the balance due to $0. Always call. Be firm, yet polite. [link] [comments]  |
| Posted: 27 Feb 2019 05:45 PM PST Hi there. I'm new to this sub and I'm on mobile so I apologise for any mistakes. I also just posted this same text post over at r/tax half an hour ago. I'm a college student living with my boyfriend in his parents basement while I'm finishing school. My boyfriend's mom has been claiming me on her taxes for the last couple of years, which is perfectly okay because I do live in her house. This year, she's been hassling me and my boyfriend for me to get her my 1098-t tuition forms from the past couple of years. I'm not sure why she needs these, since she hasn't paid a cent on my education. I go to a pretty expensive school in the state, but it's almost entirely paid for through scholarships and FAFSA stuff. What isn't covered with those things, is covered through me busting my ass at my on campus job between classes. I'm here asking because she's getting pretty impatient and I just feel a little uneasy about giving her this information without really knowing why she needs it. Nobody I've asked has known what the forms are for as far as taxes go, and all she's said is that it'll get her a tax break because I'm a student. I'd just like some more information. Thank you guys for your time. :) I'm sorry if this is the wrong place to have posted this. [link] [comments]  |
| I am a college student with a part time job. What should I do with the money I have coming in? Posted: 27 Feb 2019 07:37 PM PST I am a full time college student and I have a part time job working about 15 hours a week. With my job I make $225 a week before tax and 10% of that goes to a 401k account. Luckily my parents are paying for my tuition and give me enough money a week for food so I don't have to pay student loans. So with all that said how should I be saving this money that I have coming in? Should I just keep it in my savings account or invest in something? [link] [comments]  |
| Which low cost index funds would you recommend from both Fidelity and Vanguard? Posted: 27 Feb 2019 04:44 PM PST My wife and I have a Roth IRA set up at each of these and finally have enough money to start investing. After research and some consultation with a CPA friend we want to keep most of our funds tied up in low cost index funds. Thanks in advance for your recommendations. [link] [comments]  |
| Posted: 27 Feb 2019 04:42 PM PST What worked for you? I'm ready to pull my head out of my ass and start getting my finances under control. My stats: Female/ Midwest USA/ 28/ live with roomates Full time job and current interviewing for part time work Credit card, car loan and student loan debt All bills are paid every month bc I get paid once a month, usually paying the minimum. I pay everything then tend to unwisely use the rest, having to use what I start to put in saving as emergency end of month money Current living paycheck to pay check due to excessive eating out and quick feel-good purchases. Working on that (advise for how to curb this or things that worked for you please let me know!) Unknowns: How much should I spend the rest of my money after Bill's paid WISLEY. Like how much should inbe spending on groceries? What's normal? What's the best debt to pay off first, and how much more should I pay of each debt each month? I fucking KNOW paying the minimum is wrong. Straight giving away my money. So how do I fix this. Alright. That's me Laid that bare to you all. So what worked/ is working for you? Do you have a workbook or a video guide? Did you take lessons? YouTube? [link] [comments]  |
| Best credit card for immigrant with no credit score (married though to an American) Posted: 27 Feb 2019 04:30 PM PST Hello my recently got her SSN and I wanted to ensure she had a healthy credit score. What's a good starter credit card that doesn't have an annual fee. We plan on paying it off every month to build credit. Additionally if our timeline is one year (we might look into buying a home), what other steps can she take to raise her credit score?! [link] [comments]  |
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