Personal Finance I have been declared deceased for 15 months and it has financially destroyed me - seeking constructive advice |
- I have been declared deceased for 15 months and it has financially destroyed me - seeking constructive advice
- When buying a car, don't get hung up on silly crap and talk yourself into a worse deal
- Buying a used car? Get a Pre-Purchase Inspection!
- Recently Retired at 70 after 39 years of 401K
- Federal e-file taxes denied through turbo tax.. do I still have to pay turbo tax?
- Any tips on relocating? (Avoiding double rent due to 30 day notice)
- I lived in two states last year. On my W2, it shows my current's state income in box 18 for the previous state. Is this a mistake?
- Best Fidelity Fund to invest for IRA?
- Vanguard error? My account was charged but vanguard claims it didn't get the money. Now I have to sell my funds to repay vanguard and $3000 is missing from my account.
- Need advice about how annuities work. Inheriting my grandfather's annuity and I don't understand the paperwork
- Got divorced and sold our house less than a year after moving in, got 1099-S, made about $5000. Do I report it on my tax return?
- What is the best guide to buying a car without getting screwed over by salesmen?
- Have extra cash and moving in 3 years...pay additional principal on mortgage?
- Rough spot to be in. Need to clear some air.
- I'm 17 with $17,500 saved. What do I do.
- Building credit history while saving for home
- credit card settlement questions
- Should I lease or buy a used Tacoma?
- Should I transfer after-tax dollars to my HSA and then pay for qualified expense?
- Is there a correct choice in this scenario?
- Would my roommate (who lists his parents’ address on all documents to avoid higher taxes) disqualify us from collecting on a claim from our renter’s insurance?
- Grandpa’s house. Good deal or bad deal?
- Is maxing out a 401k enough for investing?
- Side business with full profits in SEP IRA
| Posted: 13 Apr 2019 11:17 AM PDT Hello, Redditors. Long time lurker, first time posting to the sub. I've seen some great advice given here over the years so I'm looking for a little of my own... My father lived with us for the last 17 years of his life. In this time, he had cancer, heart attacks, bypass operations, and survived three ruptured aneurysms (amazing!). Sadly, on Thanksgiving of 2017 the fourth time took him from us. Only weeks earlier, my sister and only sibling, unexpectedly passed away as well. My mother passed when I was a young child, so in the course of a few weeks I lost all that was left of my family. It was a remarkably difficult time, and my children were dealing with the immense loss of their "Papa," a man who had been such an important influence in their daily lives. My father and I have the same name and address (as he lived with us) but clearly different SS# and DOB. However, when he died a consumer reporting agency declared me deceased as opposed to him, then shared that erroneous information with other reporting agencies and notified Social Security that I was deceased (all major bureaus immediately report deceased consumers to SS to prevent fraud. Medical examiners/coroners also do the same). I am a very financially responsible consumer. I maintained a three months of expenses "soft savings" as well as a six months "hard savings." I rarely carried credit card debt, and everything I have built for my family and I came of my own hard work. My father's health took a serious toll on his financial position in retirement. My sister was a wonderful woman, but her financial resources were barely enough to get by. When they passed away, my soft savings went to cover funeral expenses and family travel or the services. At the time I thought "That's OK. I will work hard and rebuild the soft savings. It was worth every penny." Then came the death blow. When I was declared deceased, I could no longer travel, which was required for me to work. I hired great legal representation and was assured that it would be corrected fairly quickly. How wrong that was. I was declared deceased a total of three times, each time with a different date of death. I won't droll on too long, but consumers should know something about The Fair Credit Reporting Act, the principle mechanism for protecting consumers from such errors: The FCRA states that a consumer data reporting agency MUST verify the accuracy of the information it posts to a consumer's record. However, there is one MAJOR shortcoming that essentially causes the act to provide no consumer protection. If a consumer reporting agency receives data from another consumer reporting agency, they are under no obligation to verify the accuracy of that information! None. So, agency A declares me deceased in error, and automatically shares that data with agencies B,C,D and so on. Only A was required to verify the accuracy of that information, so the error spreads at the speed of digital data and you can imagine the rest of the story from there. Additionally, many consumers believe that only coroners, medical examiners, and funeral homes report deaths to Social Security (to prevent fraud). While it is accurate that all of these entities do in fact report deaths to SS, so do consumer reporting agencies. The Social Security Administration acts as the gatekeeper when it comes to federal databases, so Agency A makes an error, spreads that error to other agencies, and notifies SS, the federal gatekeeper, of your death. Welcome to life without a valid driver's license or passport. Welcome to life without access to credit markets. Welcome to the shell of a "life." Before this all played out, I had sold my home and purchased a new home. We were soon to close on the sale but now could not close on the purchase, as I was deceased. I had to force my family to live in a small RV, two adults, three kids and a dog, for 15 days until we could close. Within days of closing, I was declared deceased AGAIN. See, these agencies share information constantly. So, agency A clears and error, but then agency B reports the same error back. Because agency A is under no obligation to verify that information, as it was provided by agency B, agency A just applies that data to the consumer file. Then agency B clears the error, but agency A reports it right back again. It's a never-ending cycle that leaves the consumer hanging in the wind. As of this writing, I am officially "alive." However, some medical bills of my father's estate are being reported as collections to my consumer reports, so my credit score is tanked and I am unable to borrow against the equity in my home. Additionally, because this left me unable to continue my work or gain employment (you cannot even pass the most basic of employment eligibility verifications!) my income was so reduced and my liquid capital evaporated, so no lender wants to touch me. This is devastating - since the age of 18 I was very diligent about my personal finances, and being in this situation....nobody looks at two decades of exemplary financial management. They look at the catastrophe that is the last year. I have now burned through every penny of my savings, credit cards are nearly maxed out, and I have made cuts to living costs everywhere possible. I can no longer pay for health insurance coverage for my family and I, so we are uninsured and I am not taking my insulin. My wife is a wonderful woman and is working to help out, but her earning power is minimal, and that income simply cannot begin to weather the storm. I am making wood signs out of my garage for extra income (and they are beautiful....thank you dad for teaching me to be good with my hands!) and doing what I can to get our world back on track, but I'm simply out of money. I would appreciate any advice or ideas I may not be thinking of here. It has been a brutally hard time, personally, and I still have not even had a chance to deal with my own losses, so I feel like maybe I'm so lost in it there's just something I am not thinking of. I literally have no family but my own wife and children. My parents and sister are gone, all of my aunts and uncles have passed away, they are just all gone. My wife comes from very simple means; her parents are in their 60s and still barely make it day-to-day, so we do not have family capable of helping out. To answer a few anticipated questions: 401(k) and Investment Account(s): All liquidated. My three month soft savings went to funeral expenses for my sister and father. My six month hard savings ran out in month 7, and I had significant costs on top of our monthly expenses fighting this battle. I was forced to slowly liquidate these accounts to keep my head above water and bills paid. Lawsuits: Yes. Unfortunately, The Fair Credit Reporting Act really falls short of truly protecting the consumer. There are so many gaps it's like a submarine with screen doors. There is simply no "windfall" to be had here. In fact, the language is very specific as to what data reporting agencies are and are not responsible for. The former is a short list, the latter a book. Again, any advice would be greatly appreciated. Like I said, I have seen some folks give great advice here in the years I have been lurking on the sub. Hopefully there is genuinely just something I have not considered. Many thanks for the read and any helpful advice! [link] [comments]  |
| When buying a car, don't get hung up on silly crap and talk yourself into a worse deal Posted: 13 Apr 2019 01:13 AM PDT So I had a customer who really wanted 0% financing on his vehicle. The thing is we didn't have 0% financing offers on the vehicle he wanted. He however did have good credit and and got 2.99% APR. But he said he'd only buy from us if we could offer him 0% He had a discount on his vehicle of about $3,000 so I emailed a loan officer I work with alot (who had offered him the 2.99%) and I asked her if we wrote their bank a check for $3,000 would they let us buy the rate down to 0%. Long story short the bank said yes, because well $3,000 was more interest (not by a lot, but it was still more) then they would have made at 2.99% and they got all their profit up front. So we took the $3,000 discount away from the customer, he financed his car at 0% and ended up with a slightly higher payment and walked away feeling like he just won the lottery. My customer made the critical mistake of getting so hung up, on one little detail he negotiated himself into a worse deal. Now at the end of the day, my customer is only going end up paying about $200 more then he would have...but still. Also I did point out to the customer he was in fact paying MORE for the car at 0% then at 2.99% but he said it didn't matter cause of all the interest he'd save...he didn't get it, I sold a car, life goes on. Fyi Dude wasnt a muslim lol [link] [comments]  |
| Buying a used car? Get a Pre-Purchase Inspection! Posted: 13 Apr 2019 11:25 AM PDT I work at an auto repair facility and every once in a while a customer will come in with a used vehicle that they just purchased that's now having problems. There's nothing worse than seeing someone that was excited to get a new used vehicle, spend their hard earned money, and then all of a sudden start having issues with it that they might not be able to afford to fix. In order to help prevent this from possibly happening, get a Pre-Purchase Inspection done on the vehicle. Not only can it save you some headaches and costs for repairs on a newly owned used vehicle but you can use the information given to you in a Pre-Purchase Inspection to help you get a lower price and/or an extended warranty. This helps when the vehicle is not Certified Pre-Owned vehicle or under factory warranty. I don't care if you're buying the car from your best friend since kindergarten, a reputable used car lot, or your family. They may not know what to look for or specialize in that car meaning there can be things wrong with it even though it seems to drive just fine and not have any warning lights on. Before you buy, make sure to take the vehicle to a shop that has a good reputation (check Google reviews) and specializes in the type of vehicle you want to buy. The inspection should run between $100-$150 on average and the information you get is worth it's weight in gold. The shop should give you an estimate (make sure this is included with the inspection!) to repair anything they find wrong and you can use that as ammunition for a lower price or to get an extended warranty. If there's nothing wrong, you get the peace of mind knowing nothing needs to be repaired right away. Example - I purchased a 2009 BMW 335i from a very reputable dealer in my area. Before I bought it I took it to our shop for the inspection and found it needed a valve cover, valve cover gasket, and a few other items totaling $3500+. I went back to the dealership and requested a $3500 discount or warranty to cover the repairs. They offered a warranty, I selected the plan that made sure to cover everything listed on the inspection that was wrong with the car and walked away with a bumper to bumper warranty for 2 years that covered everything on my list and then some! I pay $100 whenever i need something on my list repaired and they gave me a great deal on the warranty. Coming from a repair shop, I highly recommend this to anyone that is looking at buying a used car. You might not be able to catch everything in the inspection that can go wrong with a vehicle right away but this is a great way to help try and prevent any large repair costs after buying a used vehicle. Thanks and I hope this helps! [link] [comments]  |
| Recently Retired at 70 after 39 years of 401K Posted: 13 Apr 2019 12:26 PM PDT This retirement savings outlook really changed over the years. I was lucky to get started in 1981 but I wasn't very smart in my investing or even in the fund maintenance as I borrowed from my account a few times and took a distribution to pay for kid's college and other things. So, at 70 I retire with about $1 million in my account and feel I have to be conservative with my investments. I figure conservative investments will bring in 5% a year (so far this year) which covers the RMD and also hedges against sharp turndown as my state-sponsored savings plan has a fixed fund option (3%) with which I can ride out any major downturns in the market. If younger, I'd follow the good advice given in other posts about contributing to the max, particularly if there are matching funds, and leaving the money in the accounts, with investing reevaluation as conditions warrant. I don't know how I compare with other baby boomers, but I'm glad to see younger folks doing so well. [link] [comments]  |
| Federal e-file taxes denied through turbo tax.. do I still have to pay turbo tax? Posted: 13 Apr 2019 06:29 PM PDT Long story short, was filing through TT and was going to have it deduct from my refund. I have e filed, but the file was rejected because I didn't realize I was being claimed as a dependent. If the e-file is rejected, and I haven't paid TT yet, do I still need to file through TT, or can I finish filing anywhere else ? [link] [comments]  |
| Any tips on relocating? (Avoiding double rent due to 30 day notice) Posted: 13 Apr 2019 05:27 PM PDT I renting a room and want to find my own place. I found a potential studio that will end up costing me only $25 more per month than where I live after factoring in savings on gasoline. Regardless of where I move, I am in the dilemma of giving 30 days notice while also having to pay rent to secure a new apartment. The only option I see is say that I am moving out and cross my fingers to something I want becoming available, or to eat the cost of two months rent. All I can think of is eating the cost which would be 2.7% of my pay after taxes. I also may take a hit on my deposit bringing me up to 3.5%. Hoping someone has another perspective on the issue. [link] [comments]  |
| Posted: 13 Apr 2019 04:24 PM PDT My husband and I moved from Missouri to Ohio in August of last year. On my employer's W2, it shows both states and paid taxes on the bottom. However, the amount showing for Ohio is being reported in box 18 for Missouri and shows local taxes paid. When I attempt to file our return, we owe Missouri far more than we ever have in prior years - is this a mistake on my W2? (Yes, I know that Monday is the final day but due to two medical emergencies, it got put on the back burner. We usually don't file this late) [link] [comments]  |
| Best Fidelity Fund to invest for IRA? Posted: 13 Apr 2019 04:47 PM PDT Looking for recommendations for beginning my Roth IRA with Fidelity. Going to contribute at least $5,000 to start and looking for advice! Thank you [link] [comments]  |
| Posted: 13 Apr 2019 08:23 AM PDT Like the title says, I recently initiated a transaction and bought $3000 worth of stocks. It usually takes a couple of days to get processed so I wasn't really worried. Like 2 days later, vanguard emailed me saying "you don't have enough money to pay for a transaction. We will have to sell your securities in your account to pay for the trade." So I was confused when I checked my account and saw that $3000 was ALREADY deducted for this trade. I called them and they said they didn't receive it and since I've maxed out my yearly contributions, they will have to sell some of my shares. Who do I speak to? Since my bank says the money was deducted but vanguard says it didn't get it. Who do yall recommend I reach out to? [link] [comments]  |
| Posted: 13 Apr 2019 05:49 PM PDT The fine print says to check the box if I want taxes withheld and that there may be a penalty if I don't. Why? Also, it says I can choose several disbursement options, and I just want the lump sum, but I've been getting Obamacare subsidies and I wonder if I have to pay them all back now. My normal income from my job is $25k a year. So I don't pay anything. It's like $400 per month though and I really wouldn't have gotten it if I wasn't required to have it. Will the inherited annuity count as income to me? Would I have to repay all the subsidies? I live in Tennessee, Anderson county Do I get the amount of my grandfather's annuity? His balance before he died was $800,000. When he died does that mean the entire amount goes to the beneficiary or is there just like a small amount that goes to the beneficiary and the rest is kept by the annuity? I thought that when you died the annuity kept the balance. Google is no help understanding annuities at all. Am I in the right sub for this? [link] [comments]  |
| Posted: 13 Apr 2019 06:59 PM PDT Hi, last year I got divorced and my ex and I sold our house that we had bought about 9 months earlier. We bought it for about 140k and we're lucky enough to be able to sell it for about 160k, which made us about 10k in profit after all the mortgage and fees and everything, so I made it out with about 5k. I got a 1099-S and am so unsure what to do. My ex is saying that it's a non-taxable transaction and that I don't have to report it, and her mother is a CPA so I don't disbelieve her, but I can't find a clear answer for this online. I see that you have to live in the house for 2 years to qualify for the capitol gains exemption, but I also see that a divorce is an exception to that, but I also see that if you get a 1099-S you should report it... Idk what to do. I'm using TurboTax and it's more expensive to report a house sale, so if I don't have to I'd really like not to. I'm so stressed about this. Does anybody know what I should do? [link] [comments]  |
| What is the best guide to buying a car without getting screwed over by salesmen? Posted: 13 Apr 2019 05:13 PM PDT I'm thinking of going to a Toyota dealer and buying a brand new 4Runner and trading in my truck. Anyone know of any guides that can teach you how not to get screwed over? [link] [comments]  |
| Have extra cash and moving in 3 years...pay additional principal on mortgage? Posted: 13 Apr 2019 06:05 PM PDT 4.5 years into 30 year mortgage. Home price was $360K. $275K outstanding, 4.125%. I have $40K available cash. Have 7 months expenses in emergency fund, and maxed out Roth IRA for me and wife. No other debt. We also both meet company match in 401k, plus a little more. Does it make sense to use this $40K as an additional principal payment, and then over the next 3 years agressively pay extra on mortgage after maxing out roth? I do not believe this is a long enough time frame to invest. [link] [comments]  |
| Rough spot to be in. Need to clear some air. Posted: 13 Apr 2019 07:36 PM PDT Posted this in another thread but this one seems more related to my issue...Recently gotten into a hard spot. Im 26, live with my parents, and I work full-time. Mom works full time and my Dad..well, he works construction and keeps getting laid off. It's hard to afford rent with just mine and my mother's income weve never been a high income family but made enough to live somewhat comfortable.and now I don't know what else to do. My father is 62 and has just become stuck in his ways. And has become lazy . Watches tv all day and won't go find a job, in hopes his phone will ring with more work that never seems to last. I've downloaded the indeed app and made him an account so he could find jobs. But even then..nothing. weve found a few jobs but they're all small companies that just don't cut it. And I've told him this multiple times that things need to change and I've put it to him as simple and calmly as possible since every one in my family has a temper problem when it comes to confrontation. Which im the only one who seems to be working on. I also have two siblings but they have their own families, bills and debts to deal with that I can't ask them for help. I don't know what I should do to help them . I've been looking for a second job but it won't solve the problems. I pay about 600 dollars towards the rent but recently it's been double and I'm starting to dip into savings I didn't want to touch. My mom's stressed to the max and is at a breaking point and it breaks my heart every day and night to know she's hurting. I've seen her mental health go downhill since my grandmother passed away and while it has on mine as well I do a lot to help myself( meditation workout etc.) To keep a level mind. But I don't know what else to do with this or where to turn to get a head start on things. Were in the process of finding a new house that's cheaper as well,but that's just as difficult with the prices in this city. I'm sick of all the fighting between my mom and dad and just want them to be comfortable and happy again. I just don't know where to start. I've started by taking into account alot of the expenses groceries/tv/phone bills etc. And tried to minimize them. Even contemplating cutting off the tv or putting a lock on it so my father doesn't have any excuses. Any help to ease the mind would be helpful, thanks in advance if you read through this! [link] [comments]  |
| I'm 17 with $17,500 saved. What do I do. Posted: 13 Apr 2019 01:35 PM PDT As the title suggests, I have about $17,500 saved and am really struggling to make a decision. My passion isn't a cheap one, it's cars, and I've always wanted a manual HR 350z. They run for about 10k, and for what they are, they're reliable. On the other hand, I could keep saving, but man, I can't tell you how bad I want this car. I got my job three years ago to start saving for this car to be able to pay for it outright. What do I do? Thanks in advance for any suggestions you guys have. [link] [comments]  |
| Building credit history while saving for home Posted: 13 Apr 2019 07:26 PM PDT I have a decent credit score but limited history. I haven't had to take out loans and only use a credit card and pay in full. I want to build credit history but a monthly payment would take away from savings. Should I just get another credit card is that enough? [link] [comments]  |
| credit card settlement questions Posted: 13 Apr 2019 06:52 PM PDT an account i have closed is willing to settle for a pretty reasonable amount -roughly 24% of full value.i'm pretty sure i'm going to take this offer, but questions: a) i know i will be taxed for the reduced amount. what other things outside of getting it in writing should i look out for ? could they sell the remainder portion to collections or anything like that? b) is it possible to do a pay for deletion settlement on something like this?how will this affect my score, will it make it go up at all? same? i know it stays on the report as paid but not paid in full would it be better to let this account go to collections and negotiate a cheaper rate? (will do so at end of month) [link] [comments]  |
| Should I lease or buy a used Tacoma? Posted: 13 Apr 2019 06:47 PM PDT I owned a 95' Toyota Tacoma and the thing was the most loyal beast in the world. The only reason I got rid of it is that it cost too much to get it to pass inspection, so I sold it to an organic farm for 1k. That was 2 years ago. I just landed a new job and want to get a newish Tacoma (16, 17', 18') and was wondering if I should lease or buy a used Tacoma. I saw some people say on this subreddit that leasing is good because you have less to worry about and you can switch to another truck later down the line. But on a Tacoma, which holds its value pretty well, does it still make sense? [link] [comments]  |
| Should I transfer after-tax dollars to my HSA and then pay for qualified expense? Posted: 13 Apr 2019 02:49 PM PDT My son was born a few weeks ago and we owe $2,500 for the birth/appointments. I have a HDHP and accompanying HSA account with roughly $400 in it from payroll contributions. Is there a benefit to contributing the $2,100 difference from my personal bank account (after-tax dollars) into the HSA and then pay off the bill? [link] [comments]  |
| Is there a correct choice in this scenario? Posted: 13 Apr 2019 06:26 PM PDT I'm trying to decide whether I should prioritize paying of my student loans by the end of the year ($13,500 at 5%) or maxing out my 2019 Roth IRA. I'm 23. Make around $45,000 a year. Already have an emergency fund and am already contributing 15% to my company retirement. My wife begins her year long masters program in May and we will be cash-flowing that. She has to get a job as part of the program and she will also be making ~$45,000 a year, beginning in August. I'm very debt averse and would love for both of us to be finished with school and be debt free. However, I also don't want to miss out on my IRA contributions this year. I've been tying to do both, but between retirement, cash flowing school, paying debt and making IRA contributions, it feels like my money is going too many places and I'm not make progress in any direction. Is there a right answer in this problem? I'm leaning toward putting off Roth IRA contributions until I've paid my debt off in full to be debt free, but if I do this it's very unlikely that I would max my Roth for 2019. [link] [comments]  |
| Posted: 13 Apr 2019 03:05 PM PDT I'll try to keep this brief. I set myself up with renter's insurance after some issues at our current apartment that made me nervous about a fire. I offered my roommate to join in, and he agreed. We now have basic insurance that covers us both, and we're moving to a new, bigger place soon. Unfortunately, after signing up I realized that he "isn't registered" (tax-wise) as living here. He works in another state and has his parents' address listed his home address, so as to avoid paying city taxes and increasing his car insurance. Yes, this is tax fraud, no, I absolutely do not condone it, but he doesn't seem to have any inclination to change his listed address. My questions are: should we ever be required to file a claim with the insurance co (say, god forbid, our house burned down or something), would this disqualify both of us from collecting? If so, i plan to take him off my policy - it's possible for me to get my own renter's insurance for just my belongings, right? Thanks for any help. [link] [comments]  |
| Grandpa’s house. Good deal or bad deal? Posted: 13 Apr 2019 11:48 AM PDT So my grandpa wants me to buy his house and he wants to give me a "deal" on it. We'll use easy numbers... It appraised at $520K he said he would give it to me for $400K. Here's the catch... when I sell the house I have to give my mom, and 2 uncles $40K each with interest. How is this a deal? It's not a bad property but I'm not sure I really even want it. Lots of emotions and pressure from the family to buy it is clouding my mind. Help reddit! [link] [comments]  |
| Is maxing out a 401k enough for investing? Posted: 13 Apr 2019 07:33 PM PDT Is maxing out my 401k enough? I'm 31, make 88-92k a year. Married, wife is working making ~45k no 401k (going to try for kids soon and probably won't work while they're growing up God willing we have and all hoes well). Just paid off mortgage to our forever home (was left parents' home, flipped that and added 100k cash for the current one). I'm currently maxing out my 401k, company does no match (lame I know). Have 72k in 401k, 13k in Ally Savings account after mortgage payoff. Is that enough? People always say to diversify but if your 401k in invested in an index fund isn't that diverse in in of itself? I mean obviously I can do the Ira or Roth but I think a 401k maxes out for 30 years is enough honestly...I can't see needing more than 2.5 million in retirement honestly (even that seems excessive especially my wife and I get anything social security too). I had a mutual fund I drained for the house payoff, maybe I do that again eventually later down the line and once I'm able to save more in my savings, after I save say 30k throw anything extra in a Vanguard fund that I keep around for 15/20 years to bridge the retirement gap and make some extra interest $? Just wondering what others think and what they'd do in my situation. I know people usually only want 6 months in savings and my 13k right now would probably do fine with that but you've always been more conservative with things lol. [link] [comments]  |
| Side business with full profits in SEP IRA Posted: 13 Apr 2019 07:32 PM PDT Hi: I am currently working for a company as full time employee. I would like to start my own side business and I am expecting around $25k per year income from it. I am already contributing to 401k at my current employer. Hypothetically, if I were to invest entire 25k from my side business into SEP IRA, do I pay $0 taxes? I googled it but could not understand the concepts so I would appreciate if someone can simplify this for me. Thanks. [link] [comments]  |
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