Personal Finance 30-Day Challenge #6: Review your investment asset allocation! (June, 2019) |
- 30-Day Challenge #6: Review your investment asset allocation! (June, 2019)
- How much would you recommend being set aside for possible home repairs after purchase?
- Advice Needed: Mom’s Loaning Out Her 401k to My Brother
- 26 years old. Recently out of the military and my budgeting went south due to unforeseen problems.
- Just got a hospital bill for over $50,000. Not sure what to do.
- My employer questionably contributed less money to the company 401-K fund last year, while employees contributed twice as much money.
- Advice: Dad in hospice adding me to bank account
- What to do with a relatively large sum of money with no debt?
- How can I pay off my mom’s car?
- My financial situation is too little and too late. Help
- How do I find out who I owe money to in order to make it easier for Clearing debt to raise my credit score?
- I used to be on a good path until I discovered gambling in cryptocurrency.
- Does it make sense to refinance or just keep paying on existing loan?
- Laid off with 2 months severance
- I'm 30 with no retirement plan. where should I start?
- 65k in personal debt!
- support for family of debter?
- Paid for a mechanic bill with Credit and cash; charged full amount on credit card.
- Savings account or Money Market Fund
- Index Fund Suggestions
- I am a college student looking to move out, I have a ton of questions, and am seeking advice and guidance
- Senior Software Developer thinking about changing career to a Lineman
- I am using Mint through my Google Chrome on Android. When I compare May's spending to April's it shows different amounts spent depending on whether I compare "over time," by "merchant" or by "category".
- Sell / Purchase Vehicle to Boost Savings?
- Credit card number stolen before new card arrives...
| 30-Day Challenge #6: Review your investment asset allocation! (June, 2019) Posted: 01 Jun 2019 06:08 AM PDT 30-day challengesWe are pleased to continue our 30-day challenge series. Past challenges can be found here. This month's 30-day challenge is to Review your investment asset allocation! Some suggestions on how to do this:
The goal of this exercise is to ensure that you're invested the way you want to be invested. For example, if you want a 20% bond allocation, is that what you have? If you want 35% of your stock investments to be international, are you reasonably close to that? (These are just examples, not recommendations.) For more information on allocations, here are some recommended readings:
Use the comments to discuss your allocation, any questions you might have, or if you're wondering what you can do about them. Now is also a great time to make a Personal Financial Statement. These are used to track financial health over time, so keep your past records accessible in the spreadsheet program of your choice. Challenge success criteriaYou've successfully completed this challenge once you've done three or more of the following things:
Alternate success criteriaIf you don't have investments yet, you may consider this challenge a success if you do two or more of the following tasks:
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| How much would you recommend being set aside for possible home repairs after purchase? Posted: 01 Jun 2019 06:44 PM PDT Hi, all. I'm in the very early processes of determining when I'll be ready to purchase a house. A large part of this equation is how much cash I'll need in order to take the leap. One variable that I've found less clear is how much is a good idea to have aside for repairs necessary in the first 3-6 months — for things that the home inspection might not catch. Secondly, how much should I budget for needing to set aside for annual maintenance? This is in addition to a 5-month emergency fund. [link] [comments]  |
| Advice Needed: Mom’s Loaning Out Her 401k to My Brother Posted: 01 Jun 2019 06:29 AM PDT Hi all, First, sorry if this isn't quite the appropriate place for this question - happy to move it, if you can tell me where. At the end of all this, I'd just like to know if you think our solution is a reasonable one or if you think there might be a better approach. As you read you'll notice we've not been the most money-savvy bunch, so I'm turning to you guys for some advice. This is happening no matter what, so the question is how to mitigate the disaster. The story is a little long, so I'll do my best to briefly summarize. My brother was let go from his job last fall because the funder for one of his contracts did a random, but very thorough background and found something from 20 years ago that my brother had no idea would be on his record. That's a whole other story, and for the most part actually ended happily (see: edit2). While he was unemployed he kinda freaked and bought a large truck (like, 18-wheeler), so that he could lease it out to our father who's a lifetime truck driver and receive a portion of whatever income that generates. He borrowed money from his 2 cousins with the promise that as soon as the truck started making a profit he would pay them back. Fast forward several months and the truck is still parked where he got it and he hasn't been able to put it use (for many reasons, it's kind of an old truck, many of the companies are very specific about what they need in the truck and he's very adamant he wants our father as the driver so he can find him work (currently unemployed)). My brother has asked our mom (63) if she can take out money from her 401k to pay the cousins back and that he will pay my mom back in whatever way her 401k provider needs. The provider allows her to take a loan out against her 401k and just pay it back in monthly increments. My brothers still holding out hope that the truck will be put to use (he's basically been applying for jobs for my father, citing the personal ownership of a truck which is always a plus in that world), but he says that if he can't find anything by August he'll just sell it off. So in either scenario (truck works or truck is sold), once the 401k payments start, he'll be able to pay my mom back. One small quirk about the payments is that they're actually going to be removed from my moms paycheck directly until she retires (in 2 years) so my brother will be making payments to my mom first and then, if money is still outstanding after 2 years, will pay the provider directly in loan coupons. Might not be relevant but just thought i'd mention. So finally, they've landed at choosing a 60month payback period (longest you can go) and my brother will pay my mom on the 1st of every month for the 2 amounts she will see taken away from her paychecks (and we'll figure out the 3 paycheck month). If the truck is sold, you can kinda pay off the whole loan at once (i'm sure it will be sold at some loss, so he'll have to figure out the difference). But if it generates income and he starts to do monthly payments, then we decided we would open another savings account where he would deposit any extra money on top of the minimum monthly payment he's making. Eventually, when the amount in that savings account equals the amount still owed in 401k, he'll just pay the rest off. Does that sound reasonable? Any other suggestions? My mom works very hard (kinda manual stuff) and I'd hate to see her suffer in any way. I don't have any real resources to help, so i'm really just turning anywhere for some insight. Edit-1: the best overall solution is not doing it at all. that is obvious to me, but like i've tried to make clear, mother is doing this no matter what. the most i could do is suggest my mother give him some strict terms. Edit0: the advice ask is how to mitigate the possible setbacks from the inevitable loan. Edit: i'm pretty sure he can't get a loan on his own. Edit2: brother has a job now (but as of a month ago, not this whole time) Edit3: the 401k loan will not come due when she retires (verified with the 401k provider). i called specifically about this, seems like things stay the same but the method of payment changes (from direct paycheck cuts to loan coupons) Edit4: just so the perspective is right, this wasn't my brother venturing out into a possible source of wealth. he was unemployed with 2 hungry kids. the man was desperate. but as edit2 says, he has a job now. Edit5: parents are long separated Edit6: the loan is a non-negligible percentage of the 401k, like a quarter to a third i'd say. [link] [comments]  |
| 26 years old. Recently out of the military and my budgeting went south due to unforeseen problems. Posted: 01 Jun 2019 05:25 PM PDT Hello everyone. I recently got out of the Marine Corps in January and I would have considered myself financially stable and even "good with my money" up until the last few months. Between a post service vacation to Thailand, the loss of my brother (this one crushed my finances the most because my immediate family relied on me more than anyone for costs), and some recent car trouble back in February which ended up costing thousands..... I am really having a difficult time with my bills.
I will be coming into a secondary source of income soon, but until that happens, I was wondering what my options are for reducing the stress that these bills are causing on me? Would consolidating my debt be my best option? And if so, what would your recommendations be for me? Thank you. [link] [comments]  |
| Just got a hospital bill for over $50,000. Not sure what to do. Posted: 01 Jun 2019 08:18 PM PDT I spent about 11 years working abroad in a place with universal healthcare. I just came back to the US last month to start a family and accept a new job. The night before the job (when I was still technically uninsured), while stopped at a stoplight (I was a passenger, not driver), a car slammed into us from behind. Long story short, I was messed up pretty bad and had to miss work. Now almost a month has passed and I've finally gotten used to my new life in this new place with my new job, and a bill for over $50,000 comes in. Lots of little charges of several hundred dollars, and a few big ones that just say "partial trauma" and "body imaging". I sincerely have no idea how to proceed. My parents' know jack about insurance because they have great insurance from jobs they've had for like, their whole adult lives but they put me in touch with a lawyer. The lawyer isn't great at maintaining contact and I worry about whether he is taking my problem seriously. My wife is from the country I came back from, so obviously she is lost as well. My sister laughs it off and said she had to file for bankruptcy in the past over medical charges, and that really scared me. I was barely able to wrap my head around how health insurance works in the states (most of my adult life I worked abroad) - and now I have this bill that will crush everything I ever worked for. Sorry if I'm all over the place. It's possible that I'm still in shock over this, as I just got the bill a little while ago. Any advice would be appreciated. [link] [comments]  |
| Posted: 01 Jun 2019 07:23 PM PDT So I am involved in a company 401-K plan through Mass Mutual. Yesterday the HR manager emails all employees enrolled in the plan the annual plan summary of what was contributed to the plan. These annual reports are required by U.S. law under ERISA (Employee Retirement Income Security Act of 1974) that summarize the plan performance where employees and employer contributed to the group retirement plan. Lately I've see disquieting slow growth in my account balance and when I saw this report, it raised concerns for me. The report I got yesterday was for 2018. As a rule, I keep and archive all my HR emails they send about the 401-K, and I had the 2017 annual report in my archives. I should note: my employer is a small business and they are currently not making much profit. Senior management has been spending like crazy on consultants and outsourcing and freezing salaries, and limiting company benefits. In 2017, the report said there was 82 plan participants. The employees contributed $116,000 into the plan that year. My employer contributed about $40,000. There was turnover in that year, and benefits were paid out. The plan expenses were higher than 2018. In 2018 the report has 92 plan participants. Employees contributed $232,000 (twice than last year), but the employer contributed about $15,000. There was no turnover in 2018 and no benefits paid out. Plus plan expenses were much lower. Yet the company put less into the plan. So, employees are putting twice more money into the plan, the expenses for the plan are lower. There wasn't any payouts in the plan, but yet the company put much less into the plan. I checked my statements in Mass Mutual and it does show the bi-weekly contribution into my account. Should I stop contributing to my 401-k, and open an separate IRA? [link] [comments]  |
| Advice: Dad in hospice adding me to bank account Posted: 01 Jun 2019 06:52 PM PDT I hope I've posted this in the right place. My dad is currently in hospice and we're trying to work through the planning for his final days. He has very little in terms of money and assets, no savings, stocks, retirement, etc. Just his monthly SS check, most of which goes to the assisted care/hospice facility. He's named me as executor and heir. I'm his only child. He wants to put me on his bank account so I can help with bill paying for his storage unit, cell phone, etc. I assumed this would also make it easier to manage his bills and finances once he's gone. But I'm getting other advice NOT to take this step and that I may end up liable for some of dad's old debt (bank loan, etc) if I'm on his bank account. So I'm not sure what to do and would really appreciate any insights here. Thanks in advance. [link] [comments]  |
| What to do with a relatively large sum of money with no debt? Posted: 01 Jun 2019 09:11 PM PDT I'll try to make this as concise as possible. I am currently 20 years old and heading into my junior year of college at a nearby state school. I received a full academic scholarship and due to the fact that I only live about 5 minutes away from campus, I live at home for free. This means that for at least the next two years I will have very minimal expenses (pretty much just paying for gas), and should walk out of school debt free. About a year and a half ago, I created a Youtube channel which has become quite popular. Due to the revenue from the channel, I currently have around $110,000 in my bank account. The channel currently generates around $4000-$5000 per month after taxes, but Youtube is notorious for being a very unsustainable source of income that could sharply decline at any time. I know I'm an absolute MORON for having that much money just sitting in a savings account, but every thing has happened so fast and I'm not super knowledgeable with finance, so I didn't wanna do anything stupid. I'm hoping you smart people on here can give me some advice to get me going in the right direction, thanks! [link] [comments]  |
| How can I pay off my mom’s car? Posted: 01 Jun 2019 06:10 PM PDT My mom owes a little over 30k on her car and I want to pay it off as a present. How can I go about doing this? Can I wire money to the lender? Write a check? If so, are there any tax implications for the receiving party, or me? Thank you inn advance! [link] [comments]  |
| My financial situation is too little and too late. Help Posted: 01 Jun 2019 02:46 PM PDT I am a 35 year old male, married, no kids (may not ever have them). I live in Portland, Oregon I make $17 an hour. I have a mortgage on condo so I also pay HOA fees. Housing is about $1100/mo. I have no other dept. I have no education other than a computer help desk certification (Comptia A+) and high school diploma. My wife has a disability and cannot work. However we do not quality for any benefits (actually she qualified for $0). I have $1500 in a savings account. I have one credit card with a $6000 limit (paid off every month). My credit score is in the low 800s last I checked about a year ago. I am at my highest ever paying job and that's only like $35,000 a year. I am not contributing any money to a retirement fund. I was reading the 35-45 section on the side bar ( https://www.reddit.com/r/personalfinance/wiki/mid_career?utm_source=reddit&utm_medium=usertext&utm_name=personalfinance&utm_content=t5_2qstm ) and it's throwing around very high dollar amounts. Amounts that are far beyond my reach. I fear I have waited too long to care about my later years and saving for retirement. I can't afford to throw huge amounts of money into a retirement plan because I just don't have the income for it. Maybe I should just bank on future inheritance to bale me out. I am just not sure what to do with myself. I feel like I should get started but I don't enough resources to make any meaningful changes. Any advice would be appreciated [link] [comments]  |
| Posted: 01 Jun 2019 07:50 PM PDT So before I start let me preface this by saying I'm a college student trying to pay for everything including tuition and books. Hospital bills and keep up with holiday presents for my younger siblings who I take care of. Okay, to begin I know I have two credit cards to pay off that were sent to collections, two hospital bills sent to collections, and a store credit card also sent to collections. How do I see who and where to make payment? Do I use credit karma? Do I pay them all off when I can? My credit score is terrible because of this. Lower than 530 I believe. I want to get an apartment to ease my disabled father's mind about money. How do I go about finding out who I owe money to and how do I go about paying it off while raising my credit score? I should also mention that my yearly salary is only 24,000 dollars working for a retail store. [link] [comments]  |
| I used to be on a good path until I discovered gambling in cryptocurrency. Posted: 01 Jun 2019 03:57 PM PDT I paid off my student loans at 22, never had any debt after college, did everything right. I 10x'd my investment and didn't cash out in dec 2017. I kept buying dips and margin trading, by nov 2018 the market tanked so much that i had bills to pay and i sold what i had at a big loss. I feel like such a piece of shit. I withdrew my 401k to pay off large debt from margin and to avoid bankruptcy. I have nothing and now I also have a bad habit of buying alcohol on credit card whenever I feel anxious. I don't know what the fuck to do - when I was 27 I was about to put a downpayment on a house even before the crypto shit and had close to 80k in my 401k. Now I have nothing and feel like shit renting still at 29 while all my friends are settling down. I didnt even get to enjoy that money - all its caused me was intense grief and depression everyday and now looking back on the past 2 years I lost a lot more than money. Isolated and alone and too embarrassed to talk about this. [link] [comments]  |
| Does it make sense to refinance or just keep paying on existing loan? Posted: 01 Jun 2019 02:57 PM PDT I have a home loan that was originally for $305,000 / 30 yr @ 3.75% that ends in 2044. I currently owe approximately $240,000 on the loan. My monthly payment comes out to around $1412 before local taxes, insurance, etc. I've noticed that at this point in the game, I'm only paying about $650/mo on principal. So, I'm wondering, does it make sense to refinance into a lower payment and then just make extra principal payments on top? I did a quick search on 30 year loans and found one for 3.5% (3.691% APR). This has upfront costs of $5600 due to points and origination fees, but the monthly payment comes out to $1078/mo. My thought process is that I could keep the payment the same and immediately apply the extra $400/mo to principal. Just a quick look at an amortization chart looks like I start out ahead at $777/mo going to principal. In either case, I've been thinking about adding an extra $350-500/mo principal payments on top of my ordinary payments. It looks like in both cases, I end up paying the house off quicker So, does it make sense to refinance, or am I missing something in the math here? My other thoughts are that if I ever move, I could rent the house out, and here a lower monthly payment might come in handy. [link] [comments]  |
| Laid off with 2 months severance Posted: 01 Jun 2019 08:19 PM PDT Hey all- just laid off out of the blue with 2 months severance pay. tl;dr is I have a good runway because of my 2 month severance but unsure on how to maximize my "time off" and balance with exploring future careers and passions vs. getting a similar and "safe" job for hopefully good pay. Before I was laid off I was looking for a new job, and potentially going back to school and a new career. Now that I've lost my job due to internal re- org I feel the need to get a new job at a similar or better pay. I'm mid maybe senior level and have experience managing people. I made $125k/year and am scared I won't find another job that pays that much. I'm also scared I have too high of priorities. I want good pay, benefits, flexibility to work from home, travel...and I won't find a company with everything I want and need. One of the biggest questions I'm asking myself is do I do what I have experience in ( my old job) and get a similar role with similar pay, even though it's not 100% my passion? Or do I take this time to explore a bit more about an easier career transition. I really don't think I can go back to school... (2-3 years is too long as I'm looking to have kids soon and FIRE) but maybe I can transition to a similar more fulfilling career I have less experience in. I feel very grateful that I have less stress and more time due to a 2 month severance. Just want to maximize this opportunity. [link] [comments]  |
| I'm 30 with no retirement plan. where should I start? Posted: 01 Jun 2019 02:38 PM PDT It's good to be out of poverty. I anticipate paying off $4k out of $11k of my credit card debt this month, so I anticipate being debt free before Christmas. I've been in poverty my whole life. Every dollar going to some bill or another. I think I'm the first one in my family to make more than $15/hr. I'll be turning 31 this month and I have no retirement. I put $50 of each paycheck into a roth IRA because the guy next to me at my hiring recommended it, but I don't really know what it means. Where should I start? What should I do? [link] [comments]  |
| Posted: 01 Jun 2019 08:17 PM PDT Like the title says, I am in 65k of debt of two personal loans and three credit cards. I'm about to come into 120k of money (after tax thereabouts). I'm planning on paying my debt in full. I then want to use the remaining money to put a deposit on a house and get a home loan. The problem is, my credit rating is only about 500. Will paying off my debt bump up my credit rating? Should I wait a bit before applying for the home loan? Or should it be ok to apply straight away? I'm just scared they will decline me and I then have another touch on my credit report. I make a decent amount of money (80k a year). Thoughts? [link] [comments]  |
| Posted: 01 Jun 2019 07:00 PM PDT Is there a parallel to Al-Anon for debters? My parents are in terrible financial shape and they act a lot like addicts. I have tried to stay out of it but their troubles are starting to affect me and I'd like to talk to someone about it. I've been googling and not really finding anything. Thanks for your help. [link] [comments]  |
| Paid for a mechanic bill with Credit and cash; charged full amount on credit card. Posted: 01 Jun 2019 08:16 PM PDT The mechanic/shop is not open on the weekends so I have to wait before talking to them, but I have no idea how I can really prove it. My receipt says I approved the full amount on my credit card, but I know I paid $400 in cash. They could be nice and give it back, but I'm pretty anxious about this. They theoretically could say "I don't remember that" and screw me couldn't they? If so, would making a dispute with my credit card company work with my lack of proof and all? I want to be prepared for the worst, and again, I'm anxious cause it's a lot of money, hence my post. [link] [comments]  |
| Savings account or Money Market Fund Posted: 01 Jun 2019 06:58 PM PDT Hey everybody. I'm a college student working a part time job and have been working on saving my money. That being said, if it's in my checking account I spend it way too fast. As a result, I've put 600 in stock and started a savings account (chase) that a decent amount of my paycheck gets deposited into. My friend told me I should put this money into a money market fund but I'm not really sure what that is/if I should use it, and if so which one is the best. Would really appreciate any insight so I can finally start putting money away. I already have a Roth-ira that I deposit into regularly. 🙏🏻 [link] [comments]  |
| Posted: 01 Jun 2019 08:03 AM PDT 43 years old. Have the six month emergency fund in a CD and HYS account w/Synchrony. 401K is has about 160,000 in split 3 ways small, mid, and large cap through Fidelity. I am submitting as much as the employer will match and also put 10% into an ESPP. I am still adding to the savings/emergency fund to help buffer in case of a major car repair or purchase but will have that in less than a year. And while I'm in better shape than a lot I am way behind where I'm supposed to be from what I've read. I have an individual brokerage account open with Fidelity e-trade. I understand index funds are really the way to go? What are a few examples of some good funds to start throwing money at? Suggestions appreciated. TIA EDIT: I see the point people have made regarding the tax benefits of the 401K plan and I hadn't considered that before. So thanks. The brokerage account exists because I have a small amount of shares in a previous employer. Current employer ESPP shares are accessed with this account as well as any vested RSU. Current funds I am in on my 401K and expense ratio: FXAIX 0.015%, VIMAX 0.05%, FSSNX 0.025% Unfortunately none of the funds that have been recommended so far in the thread here are available in my plan. I have a photo of all the available options but can't figure out how to attach it to a post here. [link] [comments]  |
| Posted: 01 Jun 2019 07:02 PM PDT This fall I will be going into my third year of college and I want to move out from home. Ideally, my girlfriend (19) and I (20) will be moving in together. The problem is, currently, we are both unemployed and do not have credit. As of now, together, we have about $9.5K saved up. In addition, we both will receive financial aid this upcoming semester, and will have roughly $15k come August. I feel like this is enough to at least start moving out. Come Spring 2020, we will have another $6K. To add to this, we have been applying for jobs like crazy, but no one has gotten back to us so far. But with how much we have been applying, I am confident we will be working come Fall 2019. We are looking for a studio apartment with the max rent being $1300 (We are in Los Angeles). We take public transit, so don't have to worry about car payments. We have searched online, and found many apartments that are between $1k-$1.3K and are perfect for our situation when it comes to location and utilities. Our dilemma is that most of these apartments require proof of income, credit checks, rental history etc, to which I understand why. We have no one to co-sign a lease, as our parents are against us moving out. I have no problem putting a fatter deposit or paying first/last months rent or even paying a few months in advance, but most places don't want to hear it. We feel like it will be impossible to move out by the fall semester (mid-late august). I guess my questions would be: Will we, realistically, be able to sign a lease come August? Can Financial Aid Grants work as proof of income? Where should I go from here? Again, I understand the importance of credit and employment, and I have taken the first steps to build my credit by getting a credit card, and I have been applying for jobs left and right. If there are better subs to post this to let me know please! Any and all advice/guidance is very much appreciated. [link] [comments]  |
| Senior Software Developer thinking about changing career to a Lineman Posted: 01 Jun 2019 01:32 PM PDT I've been thinking about this. I already work hard as a senior software dev making 130k a year in So Cal, and I'm putting in more hours than I want to and not getting paid for those hours. I found out about Journeymen Linemen and the hours they work and the how much they get paid. One of my friends who is a Lineman got paid 300k last year. I was floored when he showed me his W2. I had no idea! I'm a fit guy, 30 year old, and I can put in the work required as a Lineman and get the required education. I see online that I would need an IBEW certification. My question is, would this be a wise decision? Why shouldn't I go the Lineman route? I know Lineman work is hard but I'm ready to take it on and put in the hours required (Overtime!!!). I'm single and have no kids either. EDIT: Thanks everyone for replying. Not gonna go into Lineman work lol. I updated my resume and doing some job/soul searching. Already got some recruiters calling me, I may move to San Fran, CoL is high but not that much higher than where I am. [link] [comments]  |
| Posted: 01 Jun 2019 05:19 AM PDT I would cut off the tip of my penis for a FULLY FUNCTIONING personal finance app So for example if I compare spending in May to April and I select "over time" it may say I spent 3200 in April. Then I select spending by "merchant" it will show my April spending as 2900. Bizarre. Really if someone could explain the spending discrepancies that would help. In terms of finding another app: I have tried Personal Capital but it does not have all the features that Mint does. Mint's app is pathetic. So I use their website and for some reason they did not build a mobile website so opening the drop down menu to select the comparison tool is really difficult. [link] [comments]  |
| Sell / Purchase Vehicle to Boost Savings? Posted: 01 Jun 2019 06:34 PM PDT I'm about to turn 30 and am looking to finally take a serious look at increasing my savings, save for a down payment of a house, and contribute to retirement. Details:
To start off, I plan to start saving 20% of my income to savings/retirement. Within this, I will also be utilizing my employer's 401k match of 4%. I also have a 2016 Jeep Wrangler which will be paid off next month and has a trade-in value of around $28k. I'm considering selling this vehicle and purchasing something around $16k so that I can get roughly $10k out of the vehicle to have an immediate boost to my savings, which would then allow me to put full focus on saving for a house down payment, then switch to retirement savings. I'm trying to figure out if this is really a smart idea to do, or if I should instead just hold on to the vehicle and just jump into saving. It just sucks from the standpoint that even with saving 20% of my salary, it will take me probably 3 years before I will start contributing to retirement, whereas doing this would cut a year off of that. Any advice? [link] [comments]  |
| Credit card number stolen before new card arrives... Posted: 01 Jun 2019 07:02 PM PDT This is the 3rd replacement Chase Sapphire card, and the 4th to have been used for purchases on wish.com (unauthorized) that I've had to cancel in the last 2.5 weeks. The last two replacement card numbers were used before they even got to me. This card I had for a few days and activated, only to get another fraud notification this evening for yet another wish.com purchase. I honestly don't know what's happening here, or what my options are. My other credit card accounts are unaffected. Any ideas on what I can do at this point? [link] [comments]  |
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