Personal Finance Wife got a job offer that feels like a scam |
- Wife got a job offer that feels like a scam
- My commute just went from 27 miles one-way to 0.8 miles round trip. Should I sell my car?
- I was offered a VP job that I know for a fact is $28k below what they budgeted. My friend interviewed for the same job and was quoted a much higher base (he didn't get an offer). How do I tactfully reveal this without being an asshole?
- Am I being overly frugal?
- Schwab sent me a Yeti
- Prospective landlord is asking my references weird questions
- Help Needed: Conflicted on Deciding How Much to Pay for Rent
- I just received $30k from a MVA settlement.
- I turned 30 and received a final disbursement from a trust account, and now my bank won’t let me deposit the check
- Will freezing my credit card exempt me from paying interest while it is frozen, thus allowing whatever I pay to apply towards the balance?
- Is employer tuition reimbursement considered taxable income?
- AmEx lowered my credit limit by $10k
- Did I unwittingly get mixed up in money laundering?
- 26 and lost, will you help me find my way..?
- Paying way too much for a vehicle I purchased last year
- Pay off car or credit cards first?
- Trying to find a cheaper cell phone plan how can i achieve this
- Personal finance’a view on paying for lawn care
- Why would the value of my house go down significantly in the first month of ownership?
- Pre paid debit card help
- I want to put my trust money in my savings when I turn 18. Will this not make my mom have access to it?
- Will cancelling my card impact my credit score over recurrent monthly payment for a charity
- Company is STILL sending me weekly paychecks, even me letting them know about a month ago
- Work is giving me the option to opt out of pension, for an “enhanced 401k” not sure what I should do.
| Wife got a job offer that feels like a scam Posted: 25 Apr 2019 02:14 PM PDT So my wife has been looking for part time work from home jobs to supplement my income. She found a virtual assistant position and applied. The company offered her a position without interviewing her. It's for 6-7 hours a week making hotel and travel reservations. She will be paid $400 a week, and $30 extra per hour over 7 hours as needed. She asked some questions and got an odd response that felt canned. Basically she said she would receive a check for $2950 that would cover the first week's pay, the cost of a printer and paper, as well as booking software. This all feels like a scam, but I don't know how. Has anyone run into this? What should I be asking/looking for? [link] [comments]  |
| My commute just went from 27 miles one-way to 0.8 miles round trip. Should I sell my car? Posted: 25 Apr 2019 10:41 AM PDT I recently just accepted a job within walking distance of my apartment in DC. I still owe $5,200 on a 3 year old vehicle that has a current trade-in value of $18,000. I pay $480 / month on the loan and about $90 / month on insurance (total monthly cost of $570). Now that I'll be able to walk to work and would likely only use my car for weekend trips, is it worth keeping? Since I'm still in my twenties, I was thinking of selling it and taking that monthly expenditure and routing it to a Roth IRA. Thoughts? [link] [comments]  |
| Posted: 25 Apr 2019 03:00 PM PDT Edit: I'll plan to update this post tomorrow evening after I speak with the CEO My friend interviewed for the same job I was offered earlier this week. He didn't get an offer but I did. This friend asked and received knowledge of the base pay during his initial interview. Anytime I asked about salary over 5 interviews they said we'd discuss it later but to know it was very generous. I was asked and I told them my current salary, big mistake I know. The interview process took a month and was very comprehensive. The entire time I was left in the dark as to what the salary was, another mistake I know. Earlier this week I was offered $28k less than what I know is budgeted for the base salary. I anchored myself with revealing my current salary and they re-anchored it with a BS base salary which I know is entirely based on what I'm making now. They think I'll make a move from the company I've been at for 7 years based on what amounts to a 15% raise? Hell no. I am speaking with the CEO in a few days to discuss a counter and I really don't want to go in saying 'i know you've sold me short $28k because of so and so telling me you quoted him $xxx,xxx.' I don't think that'd go over very well. I can reference what the role requires, what the national pay average is, etc to make my case but all that will do is get them to move up my base offer a smidge which wouldn't go near what the base truly should be. I'm not interested in filling the gap with more stock or PTO. I want the full base. The entire executive team I interviewed with wants me on board, they've been very impressed with me so far but it's obvious they're trying to get me at a discount and think I'm in the dark. So, how do I get the budgeted base salary without bringing up my knowledge? [link] [comments]  |
| Posted: 25 Apr 2019 12:33 PM PDT I get called cheap a lot. I buy store brand or bulk, cook my own food almost from scratch, rarely go out to eat, keep the heat/AC off, went to community college, have a car that is ugly and over 20 years old, $1K rent of okay place by myself, and look at the prices first when ordering food. I have been doing these things for as long as I can remember. All this has come out to me having $10K in the bank, $44k in former college fund started when I was little, $12k in other investments, $0 debt of any kind. My only vice which could be considered is Magic The Gathering but that's only $100 at set release (about every 3 months) and $15/week for drafts with some purchases for singles. I like the idea of a safety net should things fall apart and hate the culture of "get money, spend that money immediately on frivolously luxuries". Am I being overly frugal? [link] [comments]  |
| Posted: 25 Apr 2019 04:59 PM PDT This might get taken down, but I called Charles Schwab and thanked them for all their help over the years and let them know that on Personal Finance that an appreciation post was hot. I came home today after a long day of work to a small box outside in the rain with my name on it. I opened and inside was a Yeti Tumbler and a note thanking me for calling them. I guess the personal finance part of this post is that I'm now going to be making my own coffee and bringing it in to work instead of getting it from McDonald's every morning. [link] [comments]  |
| Prospective landlord is asking my references weird questions Posted: 25 Apr 2019 03:11 PM PDT I know this might not exactly be PF, but I just applied for a great looking apartment this morning. Cheapish rent, great location, and, most relevant to this post, a management company that seems to be not terrible. They were great about showing me multiple buildings, have been super responsive, and have 3 stars on Yelp and Google (which, at least for my city, is phenomenal compared to most landlords having 2 or less). A few hours ago, the company emailed me saying I was all set to move in on my requested move-in date. However, they had me list a few references (which they requested be friends), and those friends texted me (AFTER I was told I had been approved) to let me know that the landlord asked some questions that seem kind of weird to me - how much that friend and I hang out, if I play any sports, what I do in my free time, where the friend works... I don't really think it's malicious, there haven't been any other red flags, but it does feel kind of strange. Is this normal? Does anybody have experience with something like this? Should I call and ask what the purpose of those questions were, and why they were asked after I was supposedly approved? Appreciate any advice people can provide. [link] [comments]  |
| Help Needed: Conflicted on Deciding How Much to Pay for Rent Posted: 25 Apr 2019 02:39 PM PDT So I am a 22-year-old who will be graduating from college in May. I am from the Northeast, but I will be living in a city in a Southern state with no income tax. I will be making $60k a year in base salary with a bonus of up to $10k. I have very little overhead as I will be on my parent's health insurance until I am 26 and they will be paying for all my car costs and phone plan (I am very grateful that they are doing this for me, however, I want to help them out if I can). In terms of my rent, I have read all up on the 50/20/30 rule and have done extensive research about how I should spend no more than 25-30% of my monthly gross income on rent. While spending 25-30% of my monthly gross income would afford me around $1250-$1500 per month, my friends and family keep insisting that I spend no more than $900 per month maximum on my rent. They said that it would be a dumb idea to spend more than $900 a month because I am just going to be starting off my career and I can get a decent, more modest place to live in the area for around $600-$800 per month. Additionally, they say that I should just save my money and get something nicer when I am older. I think that their logic is sound, however, I personally want to live in a more upscale style apartment complex with amenities (pool, gym, lounge, etc.) that would cost me in the $1000-$1200 range. I do not think that paying more than $1250 would be worth it, as I can get all that I want for less. Most of these upscale apartments have social programs for residents and are in walking distance of downtown. While I will be working 40-50 hours a week, I believe that the utility I would gain from these "luxurious" aspects of an upscale apartment would be worth the additional cost per month. I truly value making friends and going out downtown, and I would enjoy being in a nice living environment after the workday. I grew up in an average, middle-class family and my parents didn't go to college nor were they offered the same level of opportunity as I was. Because they have given and done so much for me, I would feel extremely guilty from going against their word. However, I worked my ass off to get into a prestigious college and to graduate with the career that I have always wanted. In my head, I feel that since I finally have the ability to reward myself, I should do so and get what I want. I am asking for your opinion on this. Would it be better for me in the long-run to save money and just get an average place to live at this point in my life or go with what I truly want and spend more than I was recommended to do so? Thanks so much for your time and I apologize for dragging this question on, I just wanted to provide a good level of context. [link] [comments]  |
| I just received $30k from a MVA settlement. Posted: 25 Apr 2019 12:43 PM PDT So my my cheque is in the bank and waiting to clear. I currently have about $22k worth of debt from my student loan and loans I had to take out while rehabbing my injuries. Would the smartest thing to do with it simply be to pay off my debts and keep the leftover as a nest egg incase of unexpected costs while I work on my career? [link] [comments]  |
| Posted: 25 Apr 2019 05:02 PM PDT I turned 30 and received a final payment from a trust account that was set up for my benefit 25 years ago. The check is made out to "John Doe as Ttee" and "Wuornos Tr". The trustee has signed the back of the check. I tried to deposit this check into my bank account today, and the bank manager said it can't be deposited into my personal account because it is made out to a trust? Can someone please explain this to me? Thanks in advance for your help. [link] [comments]  |
| Posted: 25 Apr 2019 07:24 PM PDT |
| Is employer tuition reimbursement considered taxable income? Posted: 25 Apr 2019 05:28 AM PDT My wife is pursuing a masters degree and her employer will be reimbursing the tuition (around $20,000 per year). Will this be considered taxable income? [link] [comments]  |
| AmEx lowered my credit limit by $10k Posted: 25 Apr 2019 07:58 PM PDT I received a letter today from AmEx informing me that due to decreased usage over the last 12 months, they're reducing my credit limit by $10k. I pay off this card every month, have a couple of recurring charges billed to it, and use it primarily to reap AmEx's fringe benefits (particularly with technology purchases). Is this going to negatively impact my credit score? I currently have high 800 score. Any other thoughts on this? [link] [comments]  |
| Did I unwittingly get mixed up in money laundering? Posted: 25 Apr 2019 07:56 PM PDT I was recently approached about a job as a representative for a Japanese construction company that does not have a US office, but still makes sales here. The job is basically collections, giving local customers a place to remit payment, I take 5%, and transfer the remainder back to Japan. My first account was for a company I couldn't find on Google when I went looking for a phone number, and the domain for the email address I was given doesn't have anything on it (though the email I sent does seem to have gone through). Still, I'm expected to receive almost 400k from these people before sending it abroad. Getting 20k for this one payment sounds great, unless I'm doing something illegal in which case I want no part of it. I checked out my employer's website, wikipedia, and some of their projects and they seem legit, but something about this feels off. Am I unintentionally money laundering? Is this a little skeevy but still totally legal? [link] [comments]  |
| 26 and lost, will you help me find my way..? Posted: 25 Apr 2019 02:55 PM PDT Throwaway acct: I'm not going to get into specifics about my sob story, My childhood was fucked, lost my mind and now I've found it. I have bipolar which complicated things as a up to this point but the long and short of it is, I'm poor, I live off of disability with my equally disabled, sometimes child-like mother and we barely make it every month, after a long period of rest and therapy I find myself at a precipices staring into a void. I've had odd jobs here and there , year as a landscaper, one as a pool installer, six months a pressure washer and another six months worth of jobs, I have none of that money left. No car. I know enough about life and myself,now that I want to get off disability and get a decent job with salary. I can build computers and Write essays, I may have some government funds available for school, my father was in the coast guard but the benefits expire when you hit 26 so.. I digress I have no clue what I want or what I should do I like using my mind and would be happy to take a government or state job, If i could get one. I live in Florida and sometime in the next three months will be moving from the bad area I'm living in to somewhere else and staying for a while, settling down and trying to get the aforementioned job that hopefully make's around 30'k a year at least "probably wishful thinking cough" And get my life started. again, I have no idea where to start. [link] [comments]  |
| Paying way too much for a vehicle I purchased last year Posted: 25 Apr 2019 07:36 PM PDT I thought it would be a good idea to purchase a 2018 Dodge Journey last year. I didn't realize I would be paying more interest than what I was actually paying off. So my question is, how do I go around getting rid of this debt? Will I loose a lot taking it to the dealership? I still owe roughly 14k [link] [comments]  |
| Pay off car or credit cards first? Posted: 25 Apr 2019 07:04 PM PDT My husband just got a new job, which means that it would be very helpful for us to have two cars due to distance and schedules. (We've carpooled for almost a decade, I didn't drive for a long time.) However, we want to pay off some debt first. We have about 5k left on our current car until it's paid off. We also have about 5k in credit card debt combined. My husband and I are in disagreement. He says we should 1. Pay off the credit cards (because higher interest) by increasing payments incrementally as we are able 2. Pay off the car using money saved from cc payments. I say 1. Pay off the car by increasing payments incrementally as we are able 2. apply that money to cc, to lower interest accumulation in significant chunks while raising my credit score (which needs work) by keeping that line active. Which is the better strategy? Realistically, we will need a second vehicle by the winter. [link] [comments]  |
| Trying to find a cheaper cell phone plan how can i achieve this Posted: 25 Apr 2019 05:43 PM PDT I pay $140/month with verizon and i need something cheaper. I need unlimited data but other than that i can be pretty bare bones with what i buy. Are there any discounts i can take advantage of or any perks that various carriers have? Is it possible to play two carriers against each other for a lower price? [link] [comments]  |
| Personal finance’a view on paying for lawn care Posted: 25 Apr 2019 02:56 PM PDT Should we pay to have to taken care of or do it ourselves? I'm cutting the lawn today and I could work one of my per diem gigs and make $85 an hour. Would it be better to do that and get my lawn taken care of? [link] [comments]  |
| Why would the value of my house go down significantly in the first month of ownership? Posted: 25 Apr 2019 08:05 PM PDT I closed on my property in March and made my first mortgage payment today. I keep a spreadsheet to track various things like outstanding loan balance, principal paid, etc. I have an 'estimated home value' field (VERY loose estimate) that is basically just an aggregate of the estimated values on Zillow, Redfin, Realtor, and Trulia. As I searched for the values on these sites, two of them showed a 5% drop in the month after purchase .... why? [link] [comments]  |
| Posted: 25 Apr 2019 05:05 PM PDT Does anyone know a pre paid debit card that you don't have a monthly fee but also you don't have to use your SSN? [link] [comments]  |
| Posted: 25 Apr 2019 10:21 AM PDT So I got a debit card under my mom. I'm getting a trust soon and they'll need my account info to deposit it in. I have a savings I got like a month ago and the lady put it in my name only. My mom can't even see my savings balance. I'm doing this so she won't have access and I can make sure she's taken off my checking before I transfer money. I'm only 17 rn and can't do anything just yet. The plan is to sign up for my own checking at a different bank then transfer some to there. It's due to personal reasons/independence. She claims I'll automatically be taken off when I turn 18 but idk. Does this make sense? [link] [comments]  |
| Will cancelling my card impact my credit score over recurrent monthly payment for a charity Posted: 25 Apr 2019 07:24 PM PDT In 2016, I was browbeaten into signing up for a monthly charitable contribution to an organization (US). While they aren't a scam by any means, they annoyed me (loads of spam) quite a bit. This month,due to an unrelated reason, I decided to cancel my card from my bank and received a new one. Subsequently, this charity has sent me an email saying that there's a "discrepancy" with the payment. I have decided not to give them my new card details (having contributed $1000 or so thus far). Will ignoring these emails impact my credit score in any way? [link] [comments]  |
| Company is STILL sending me weekly paychecks, even me letting them know about a month ago Posted: 25 Apr 2019 07:13 PM PDT Alrighty here we go again, this is sorta an update from my last post. I'll include as much info on this one as I can. But in case you wanted to read what this situation was like 2 weeks ago, here it is: https://www.reddit.com/r/personalfinance/comments/bdbwpx/left_a_company_nearly_a_month_and_a_half_ago_keep/?utm_medium=android_app&utm_source=share So I have recieved a total of 6 paychecks (direct deposit) from this company I no longer work for. I asked my bank about blocking the direct deposits, but its 30 dollars per blocked deposit, I'm not going to do this. I have contacted the company 5 times by phone and once by text, yet I still receive direct deposits. I was told that I would first get a phone call, then I would get a letter in the mail. I have never once gotten a phone call from them; and I've gotten fuck all in the mail.i was also promised that the 5th deposit would be the last, but I just got my 6th recently. As it currently stands, I have no way of knowing for sure what I owe. I havent recieved pay stubs, and because of things going on within the company paychecks were distributed in odd ways near the end of my time working there (I cant give any more info because I'd like to keep the identity of the company secret). I truly truly dont understand how they could've fucked this up. I literally sent Payroll for my department while I was there. If 40 hours weren't worked, I wouldnt get payed for 40 hours. They said that I was on some sort of auto pay program when I talked to them on the phone, but they still had to check the payroll sheets I sent? I dont know. At this point I'm truly at a loss. I've given them more than enough notice for them to handle this situation, but they have not tried to contact me once since I told them. I fucking STILL get direct deposit. I've been payed weekly for 6 weeks! I have evidence of my texts and calls, but I'm really tired of hoarding this money that's not mine. The worst part is that I have zero way of knowing what is and isnt mine. At this point I'm wondering when I just get to say fuck it and keep the money, because they seem to give zero fucks about the situation. I left on my own terms by the way. [link] [comments]  |
| Posted: 25 Apr 2019 07:05 PM PDT Hello there! I work for a company that presently offers me a 401k with a 100% match up to 6% and I have a pension that is 1% of my career average pay. I'm wondering what I should do, and would appreciate any advice. I'm thinking about moving to the 401k, reasons being I'm 29 and while I do really like the company and work in a office with many people who have been there over 20yrs I know there is a high likelihood I may not retire from there. Edited for clarity [link] [comments]  |
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