Personal Finance Start thinking of "saving money" as "making money" instead. |
- Start thinking of "saving money" as "making money" instead.
- Attitude about finances matters a lot. Don't be a "victim" of your budget.
- Stocks don't have to be scary (if you hold for long enough)
- Where are my bank accounts????
- Someone is trying to gain access to multiple accounts of mine
- Housing trusts, are they legit?
- Lost Custodian Account
- (US) New college grad w/ 65K Salary, 24k student loans, need budgeting advice
- Still living home at 26...
- IRS is auditing my 1040 from 2018?
- What Type of IRA should a 27 year old set up for retirement?
- How do you not get overwhelmed by saving in your mid-20s?
- Payoff $9k Student Loans?
- Just got offered a night job in a convenience store
- Should I try bankruptcy for this? I feel overwhelmed
- Roommate's girlfriend basically moved in without paying rent, what can I do?
- (USA) I want to rent my current house out [AZ] and buy another small, cheap one somewhere else. Where is a good place move in the USA with a low cost of living?
- Recently got injured at work and I am now having severe financial hardship.
- Panicking because I just started contributing to retirement funds. Help?
- ~60% credit utilization on secured card - bad or no?
- Found Retirement Account through Tax Returns
- A way to deposit cash with no bank?
- Advice for a twice inherited IRA(Schwab) to a 57 year old
- Looking to move shortly, unsure if my new landlord has security deposit from old landlord
| Start thinking of "saving money" as "making money" instead. Posted: 25 Aug 2019 11:02 AM PDT I'm no expert, but this simple change in thought has saved me more money over the past year than ever before. I was constantly thinking of ways to make more money in life, and would do anything it took to create multiple incomes. I was saving, but not really actively focused on it. I would just save what I planned to, and spend my budget as freely as possible. I then had a thought that if I actively tried to save and make better decisions under my budget, it would be like making money. I guess what it boils down to is this - Just because you have a budget, doesn't mean you need to spend all of it. I know that's a fundamental idea, but I never realized how just changing my thought process would make it that much more enjoyable to save. Now I look at money saved as money made. Didn't buy lunch and ate at home? I just made $15. Didn't buy the more expensive brand and went with the generic version? I just made $7. Went to the movies on discount night and didn't get snacks? I just made $20. Constantly doing this has increased my savings dramatically, and its actually a fun concept to keep me motivated. [link] [comments]  |
| Attitude about finances matters a lot. Don't be a "victim" of your budget. Posted: 25 Aug 2019 02:21 AM PDT Ive learned this recently and it really has changed my life, and I think its important. I may have said a lot of dumb stuff, but my advice ive learned in the past month, even less, for people who have a very tight budget, or people in general. It is always said, don't buy something you can't afford. I agree. But that idea is dangerous. Instead of saying "i can't afford that" you should ask yourself "how could I afford that". Even for basic things, even wants. Theres some things you wont be able to afford no matter what you do. But, at the end of the day, Either check for expenses in your budget you can eliminate - or find a job or money making thing on the side. 7 hours a week more, most people could handle. At minimum wage,7 hours a weekis an extra $200/m, if you can, why not look for a part time job where you can work 7 hours a week? Or if you can't do that, you can look for a cheaper way to do it. I wanted a new car, but I had a budget of $900. I bought a non running car for $300, $300 in repairs, and now I have a considerably *nice* car, that I got for dirt cheap. And its not like thats something rare. If a car needs work, it is almost always insanely underinflated in price. I saw a truck that was prob worth $3k at least, maybe closer to $5k if additional work was done. $900, Why? needed transmission work. Now, it wouldn't be worth it if you hired a mechanic, but if it were me, I would take the transmission out, which I can do(anyone can, its not really hard, just takes aggressive googling), and go ahead and drive it to a tranny specialist. The majority of the cost would be just removing it and putting it in. Thats how to not be a victim of poverty. Most people who say they cant afford xxx could afford it if they just asked themselves "what would it take to afford this" [link] [comments]  |
| Stocks don't have to be scary (if you hold for long enough) Posted: 25 Aug 2019 09:05 AM PDT Hi Personal Finance! I held back from index investing for years. It wasn't because of complexity. I accepted the notion that buying an index fund was a simple smart way to invest (as suggested by Warren Buffet and Burton Malkiel). But at every corner, I was afraid the market would tank. In the pursuit of wealth, what were the chances I would lose the savings I had worked so hard to earn? I finally learned to stop listening to my emotions and to look at data instead. For me, it was helpful to see that investing broadly in the U.S. stock market, if done for a long enough holding period, has always yielded positive and generous returns since 1871. Hope sharing what I've learned will help some of you as well. -- Annual returns for the U.S. stock market have been very volatileWhen you hold a total U.S. stock index, the main component of returns is stock price appreciation. Stock prices are very volatile, and as a result so are annual returns. Here are annual returns for the U.S. stock market from 1871 - 2018. The range of returns is huge. There are years when investors have lost more than a quarter of their investment. The reverse is also true. The good news is that the stock market has many more positive years than negative years (74% vs 26% of the time over the last 150 years). The longer the holding period, the narrower the range of returns becomeThings get interesting when we look at longer holding periods. What happens if we hold the Total U.S. Stock Market for 5 years instead of 1 year? What about even longer, say 25 years? Let's take a look. In this scatterplot chart, each dot represents a year between 1871 to 2018 and the average annual return if you held the stock market for X years (as indicated in the horizontal axis). The range of returns is extremely wide if you hold for 1 year, but quickly narrows the longer you hold it. If you hold for long enough, even the "worst case scenario" is a winYou've probably heard that the key to index investing is to "buy and hold". Here's a good visual of why. It shows the lowest and highest average annualized returns for different holding periods in the last 150 years. The worst performing 25-year investment in the U.S. stock market happened in 1907. Someone who bought in 1907 would go through eight recessions over the 25 years, including World War I and the Great Depression. Almost half of their time would be spent in periods of economic contraction. Yet they would still have earned 4.1% on average (pre-tax, prior to adjusting for inflation) -- their investment's nominal value would have increased to 2.7x. How about after inflation? Here's the same graph again, but adjusted for inflation. After inflation, he lowest average return for a 25-year investment in the U.S. stock market has been 2.1% per year. This "worst case" scenario isn't thrilling, but it would still have increased the purchasing power of an investment by 66%. People who were "unlucky" enough to invest right before a recession still grew their wealth in the long runIt's easy to be worried you might invest at the "peak" of the stock market. What if there is a recession the day after you invest? Let's look at how that has fared for people in the past. The Great Depression of 1929: Let's say you bought the U.S. Stock Market right before the Great Depression of 1929. In the following four years, you would lose 70% of your investment. Then over the next 25 years, you would go through four more recessions. Over this period, seven years would have been contraction years -- but eighteen years would have been expansion years. By the end, your investment would still have grown to almost 4x in nominal value. After adjusting for inflation, it would be 2.5x in real purchasing power. The 2008 Financial Crisis: For a more recent example, let's say you had invested in 2007, right before the 2008 Financial Crisis. You would have lost one third of your wealth in 2008. Then by the end of 2012 (5 years), you would have made it back. By the end of 2017 (in just 11 years), your investment's nominal value would have grown to 2.1x. After adjusting for inflation, it would still have grown to 1.8x in real purchasing power. The most exciting thing about the markets is the much higher returns enjoyed by most investorsEarlier, we saw that the lowest average return for a 25-year investment in the U.S. stock market was 2.1% per year after adjusting for inflation. The purchasing power of such an investment would have grown by 66%. This was essentially the most unlucky investor -- someone who happened to stumble upon the worst year to start investing. If we graph out the average annualized returns for all 25-year holding periods since 1871, we see that many investors have enjoyed much higher returns. If we omit the worst 5% of cases, the lowest performing 25-year investment in a total U.S. stock market index would have earned 2.8% per year on average (after inflation, before tax). This would have grown the real purchasing power of your investment by 2x. If we omit the worst 20% of cases, the lowest 25-year performance was 3.8% per year on average (after inflation, before tax). This would have grown the real purchasing power of your investment by 2.6x. The U.S. stock market has delivered for most people on shorter holding periods as well. Holding a total stock market index fund for many years has proven to be a simple strategy for growing your wealth.Instead of trying to time the market (you can't), focus on identifying the cash you can shelve away for a long time, investing early and staying the course. If you've been nervous about the markets, I hope this long-term view gives you more clarity and confidence! P.S. If you want to see all the graphics at once, a better formatted version of this post is also available here. -- Sources:
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| Where are my bank accounts???? Posted: 25 Aug 2019 06:00 PM PDT Hi I am a customer of capitalone and have a couple of personal bank accounts with them. I usually get notifications when direct deposit is posted. This time I didn't get it. I logged on to the web site and my accounts did NOT show up. I called the customer service and they couldn't pull up my account neither using SS, address, or bank account numbers. It is like I was never in the system !!!!!!!!!!!!!! This is absolutely incredible. I have been googling up and down. I asked about frozen accounts (not that I am involved in any judgement or have any known debt) but I was told that even then they should be able to pull up the account info in that scenario. Has anyone seen this? This is unbelievable and I don't know what to do :-( [link] [comments]  |
| Someone is trying to gain access to multiple accounts of mine Posted: 24 Aug 2019 10:30 PM PDT Sorry if this is the wrong place. I don't know what to do. It started a few months ago where someone got into my Netflix account and changed my username and password. I got an email and called Netflix and they fixed it nbd right? Well, I get back from vacation a week ago and on the following Monday the bank puts a hold on my account. I find out after I try to check my balance and the app tells me "too many failed log in attempts" I call the number to the bank and they can't tell me exactly why they did it and don't give the banker a legit response when I have to go in and shut down and reopen a new account either. Woke up today to an email saying that my GameStop account was locked out because of too many failed log in attempts. I don't even know if I've ever used my GameStop account for anything except setting it up. Luckily they haven't gotten into important things. YET. But what can I do to fix this? Again, sorry if this isn't the right sub... Edit: Dude. Thank you guys so much! I lurk and rarely upvote/comment on anything! Reddit is an amazing community. Before I completely lost my mind over this I turned to you guys and you reached out right away. I am super grateful thank you again! Edit 2: From what you guys have said and some research it seems like someone has a prominent username of mine or access to my oldest email account and they've just been trying to gain access to anything they can. I've started a 1Password account and I'm working on getting everything switched over and new usernames/passwords set up. It's not fun at all but better to be safe than sorry! [link] [comments]  |
| Housing trusts, are they legit? Posted: 25 Aug 2019 04:59 PM PDT Please forgive my ignorance, I'm trying to read up on housing trusts but I would love to hear from people who are more educated. Thanks in advance So I recently moved to Vermont and I am looking to purchase a home. My credit is near 800, zero debt, take home $2,800 monthly from a federal job after paying healthcare and retirement. No kids, have money for a down payment, closing costs and unforeseen repairs. I'm looking to spend about $125-200,000, on average my mortgage, property taxes and homeowners insurance would be $800-1,100. One of my coworkers was telling me she wanted to buy a home through a housing trust, as long as you met income requirements and had money for closing cost they would help get you in a home at a very affordable price. Thing is to my understanding you don't own the whole out right, the coop owns about a third of it if you decide to sell you have to sell it within the cooperative. I'm guessing that have to be some downsides because it sounds like a good deal. Yes you don't own the whole property but you can get into a nicer home this way. It would allow me to get into a newer home, a home closer to the main population centers, a home with more land or some combination which would be nice. I'm wondering are there tax implications or are you losing money doing all the repairs and upkeep on a home you don't fully own. How about worrying but when you do decide to sell the trust values your home less than the free market work or you have difficulty selling because the house has appreciated enough that lower income people don't qualify? See I would like to rent a couple rooms for at least a few years to help me further build up retirement savings and possibly pay down the mortgage so I could pull equity quickly and purchase a rental property. [link] [comments]  |
| Posted: 25 Aug 2019 04:51 PM PDT Hello all. I just received a check from a lost custodian account my mom had for me apparently. I would have asked her about it, but she is severely mentally ill now. Some company called computer share sent me a check from it, but it has her name then my name after hers. I'm unsure if I can cash this check. I would appreciate any advice because I am clueless about what to do and could really use this money. [link] [comments]  |
| (US) New college grad w/ 65K Salary, 24k student loans, need budgeting advice Posted: 25 Aug 2019 04:39 PM PDT I'm a single, 21-year-old male with 24k (13k with 4% interest, 11k with 5% interest) in student loans and just started a job paying 65k/yr that has a not-so-good 401k match (employer contributes up to 50% of first $1000 -- aka, they throw $500 in it per year). Currently, I have a really rough budget laid out after calculating my salary (~43k) after taxes: -950/month rent -150/month utilities/internet/etc -150-200/month groceries -400/month entertainment/going out/eating out/gym This leaves me with about ~1700-1800 left per month My question is, how would you guys recommend I go about budgeting towards paying off my student loans fairly aggressively while also beginning to contribute to a 401k, HSA, 3-6 month emergency savings account and Roth IRA (seeing as my employer match isn't great)? A lot of this has been pretty overwhelming, I'm not quite sure how to do this smartly without some advice. Furthermore, are there any expenses I should seek to increase/decrease my spending on? [link] [comments]  |
| Posted: 25 Aug 2019 06:51 PM PDT So currently, I am about to start my student teaching (to be a high school teacher in Connecticut), with a job offer after its over. Before this, I never really made that much money... $25,000 - $30,000 a year at most, mostly at odd jobs that I did in the past. Not much in savings at this point, but I have managed to pay my phone & insurance every month (just not rent/utilities). I've always been a late bloomer in life, and I still work at a part time job in addition to student teaching which I may leave after I get a full time position for teaching. I got plans to live as cheaply as possible after getting my career settled, and have looked into renting a trailer in a mobile home upstate & grocery shopping at Aldi's just to get myself into a good financial position to save the bulk of my paycheck to make up for lost time. My estimated future monthly salary is about $4,166, with monthly expenses totaling around $2,000. I'm currently single (but that could change who knows)… Does this sound like a decent plan to anyone on this forum? Also, am I "weird" for still living at home at 26 years old? Don't be afraid to give it to me straight [link] [comments]  |
| IRS is auditing my 1040 from 2018? Posted: 25 Aug 2019 06:30 PM PDT They're saying that I or a dependent, of which I have none, claimed an exemption because I received healthcare coverage through ACA Marketplace. For the first half of 2018 I was under my dad's plan. Then after I graduated in May, I was under my employer's plan. They're requesting forms 8962, 1095A, 1095B, and 1095C. I don't recall claiming an exemption for health care since I knew I got it from my employer. How should I proceed? Do I print and fill out these forms from the IRS website? I apologize if these are dumb questions. [link] [comments]  |
| What Type of IRA should a 27 year old set up for retirement? Posted: 25 Aug 2019 03:44 PM PDT Hey all, So I'm 27, and want to open up some type of IRA for which to rollover 401K from previous employers. I'm not sure whether I need a standard rollover IRA or just dump everything into a Roth, keep it simple, and make the yearly contributions. Also narrowed down to Schwab and Vanguard but I think I would prefer better customer service just in case. I've heard Schwab is good with that. Any advice would be helpful. [link] [comments]  |
| How do you not get overwhelmed by saving in your mid-20s? Posted: 25 Aug 2019 05:58 PM PDT Theres just so much to save for and so little money it seems. I have a good job, a good apartment, no hobbies, no real enjoyment so it seems. And thinking about finances seems stressful, especially when comparing. How are these couples my age (mid 20s) always on vacation? How are people buying houses in good neighborhoods? Its really hard for me to know how much I should be saving. Long term for a house, car, etc .... short term in case of a vet bill, random technology, medium term in having a 10k emergency fund.... And then you add the 401k, do you do Roth 401k vs Roth IRA vs Traditional 401k vs Traditional IRA, do save 20% of your paycheck and then take out 20% of your paycheck for the retirement? Then comes finance apps that all track eachother. Use digits for ___ , use Mint for ____ but doesnt do _______ , use ____ for high APY savings but use ______ as your credit card...its all a lot. So many questions and the world of finances and your own finances even more so, seems so daunting. How do you guys get started? How do you have a savings plan? [link] [comments]  |
| Posted: 25 Aug 2019 07:49 PM PDT Hi I have 2 signature student loans both at 8% with a combined balance of $9k, with a payoff in 3 years. I have $30k in savings, $380k Mortgage balance shared with wife, and make $130k. I'm thinking about taking the $9k from my savings to pay off the loans, saving $245 in monthly payments, which I would then setup a transfer from my checking to savings for that amount plus maybe some extra. Navient doesn't make it easy to determine how much interest I would save if I do this, but my 1098-E student loan interest tax form last year it was $820, so figure it would be around $2400 or so? My concern is taking such big chunk out of my savings for that emergency fund going down to $21k initially, as my wife does not have sufficient savings. I do have another $30k in a Chase investment account, which I suppose I could withdraw with penalty or income tax in a worst case scenario. I'd say I'm very cautious or low risk in terms of money and banking and things overall. Am I overthinking it and should I just pay off the loan or explore other alternatives, such a as paying more per month to shorten payoff term or make bi-weekly payments vs current monthly. Appreciate all and any advice, thank you in advance! [link] [comments]  |
| Just got offered a night job in a convenience store Posted: 25 Aug 2019 11:02 AM PDT I recently applied to work in a convenience store near my parents house (16 y/o). Today i got called by the assistant manager asking if i was interested in working night shifts ( 23:00 - 07:00 ) on Friday and Saturday. I am starting my last year of high school in a week, and do not want work to interfere with my attention and performance. However, this job would obviously mess up my weekend sleep schedule. Also, this would probably the end of any social life, as my weekend would be made up of working in the night and sleeping in the day. On the other hand, this would give me the opportunity to make more than twice as much as i currently would do at my current job. 16 hours over 8.5 previously and CAD $15.50/hours over $12.50/hour before.( In Quebec, minimum wage is $12.50 and night shifts are paid $15.50 ) Also, i would have the possibility to do homework and study during work, so that would be good. What i am currently thinking of doing is trying it out for a few weeks, and see how i feel and what effect it has on my week. I currently have basically no expenses except from cycling and the occasional clothing pieces. I have a moped, so transport isn't an issue. Do any of you guys have any experience working a night job and making it work with school or keeping from disrupting your sleep schedule too much? Any advice is appreciated. Thanks! EDIT: thanks all so much for the replies, it has been very helpful hearing you guys' stories and experiences. I intend on giving the assistant manager a call back tomorrow, letting her know that i will pass. Thank you all again for taking the time to reply, means a lot. [link] [comments]  |
| Should I try bankruptcy for this? I feel overwhelmed Posted: 25 Aug 2019 07:38 PM PDT I have probably 15 k debt on multiple cards and one of the credit cards for 3k is suing me now. I called the attorneys and they said I need 290 per month if I want to stop it. Well I haven't had a job for four months, and I'm just starting to get unemployment of 160 a week. So I don't have any money at all right now. Literally 20 dollars I have. I been looking for a job and going to interviews with no luck. If I had a good job I would pay it back. I am not sure what to do. I've never been sued before and I'm scared about that. Honestly I don't even know how I ended up with these credit card debt. I didn't realized it was that much. I'm tired of worrying about it. [link] [comments]  |
| Roommate's girlfriend basically moved in without paying rent, what can I do? Posted: 24 Aug 2019 11:38 AM PDT So I moved into a place a few months ago (in California if that matters). My name is on the lease. I found a roommate and we moved in together, splitting the rent 50/50. About a week after we got settled, his GF started showing up and spending 1-2 days at a time at the apartment. A little annoying but that's fine, I could deal with that. But soon after that, she moved a bunch of her stuff in and is now essentially living in his room. She's taken half the bathroom for her hair/makeup products, uses the dishes/silverware and doesn't clean them, eats/drinks whatever she wants in the fridge, and spends the whole day at the apartment while we're away at work. She spends every night at the apartment. I've told my roommate that her visiting is fine but she can't live here. And he responded with "She doesn't live here, she just visits me." This has been going on for 3 months so far and I feel like I'm getting scammed at this point. Instead of them paying 66% of the rent (33% each), they're paying 50%. Again, I'm on the lease, so I'm scared to ask them to move out. What can I do if they just stop paying rent and refuse to leave? Edit: I'm going to tell them I'm moving somewhere else for work, and we all have to be out by the end of next month. I won't say it's their fault or anything. The comment about leaving without giving them any notice at all was just me being petty lol. Also someone made a good point that if they stay in the apartment after I leave then the landlord will hold me responsible for that hassle [link] [comments]  |
| Posted: 25 Aug 2019 02:24 AM PDT I currently live in Arizona and truthfully have always been miserable here. The weather is awful for most of the year, and the overall desert is meh. I own my house (Newly built in 2016) and car (2017) and have a good amount of savings leftover (~80k). House rentals in my area are pretty much all 1.6k, which would be wonderful passive income while doing my regular job that I can work from anywhere. The big reason I've been in AZ has always been the cost of living. My overall spending including absolutely everything from groceries, home insurance, bills, and even house tax and HOA is 12-13k (2017-2018). I live cheaply. I don't need this house though. I use two rooms, the rest is completely empty. I basically bought it as a bank account since AZ house prices have been going wild and this particular area is very low crime. I guess my biggest question is, where are some good places to look at real estate right now with a low cost of living? Some things I'd be looking out for include:
Some luxuries I'd like but don't really require:
Where would you all suggest looking? My main goal is to keep the yearly expenses down while adding that passive income from the house and escape the desert. If I can have even lower yearly expenses than here in AZ, I'm all over it. [link] [comments]  |
| Recently got injured at work and I am now having severe financial hardship. Posted: 25 Aug 2019 12:29 AM PDT Hello, and thank you for taking the time to read this. I also apologize for my rambling. I am also not sure if I am posting to the right place. I will put a TLDR at the bottom of my post for anyone who might not have time to read my post. As of now, I have no financial income due to an injury at work. With this lack of income, my family and I have no way of paying our bills, that also includes a mortgage and car payment. I live with my disabled father and my retired aunt. About two months ago in June of 2019, I got injured at work. It is a shoulder injury that is still causing me intense, debilitating pain, and I now have limited mobility in the injured arm. I have tried to get my workplace to work with me, but the instant that this was labeled as a work-related injury, they have ceased to return my calls and have gone dead silent. I tried to file a Workman's comp claim, but have heard nothing from work or a claim manager. So, I decided to get a Work comp attorney and go to court to get some kind of financial reimbursement. Unfortunately, this process may take a while, and I have no way of making any income to try and support my family. I am asking Reddit for any suggestions that might help my family and me through this process. I appreciate any feedback or recommendations as to what I might be able to do. Thank you for taking a gander, and I hope all of you have an excellent day. TLDR: I got injured at work, and they aren't working with me. I have contacted a Workman's Comp attorney to try and get some sort of financial reimbursement. As of now, I have no income and no way of paying the family bills. Edit: I live in Illinois. Edit #2: I would like to thank everyone who has made a recommendation. The more ideas that I can get the better off I will be at moving forward. Also, this is helping me unwind a little by talking about it. [link] [comments]  |
| Panicking because I just started contributing to retirement funds. Help? Posted: 25 Aug 2019 07:06 PM PDT I am 30F and is currently making $60k/year. My take home money is $1,659 every paycheck. Current state of my finances:
Spending - monthly:
The steps I will be taking:
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| ~60% credit utilization on secured card - bad or no? Posted: 25 Aug 2019 04:45 PM PDT So I applied for a secured CapitalOne credit card a while ago, I received it a few days before I left for college. It has a $200 limit, which I had to put a $49 deposit down for. I left it home, and told my mom to use it to pay my phone bill ($114 a month), and then pay off the credit card bill. Will utilizing >50% of the credit limit negatively affect my credit score? [link] [comments]  |
| Found Retirement Account through Tax Returns Posted: 25 Aug 2019 06:57 PM PDT After perusing my wage and income documents from my IRS returns, I found that I had two retirement accounts registered to me, most likely opened or contributed by my parents (of which they haven't told me about). What are my options for the two accounts? Any advice or a good source of information to find out more would be greatly appreciated! [link] [comments]  |
| A way to deposit cash with no bank? Posted: 25 Aug 2019 04:45 PM PDT If this doesn't fit this subreddit, I'll gladly delete. But I have rent due very soon and I'm short $100. The problem is that I have it but only in cash, and since I've moved back to school recently I'm not anywhere near my bank or an ATM specifically for it. Is there another way I can deposit the money? Or get it onto my card? [link] [comments]  |
| Advice for a twice inherited IRA(Schwab) to a 57 year old Posted: 25 Aug 2019 06:43 PM PDT Recently my mom(57) received an IRA from her mother(89) after she passed who received the IRA from her sister(67) as she passed. The six siblings split the account evenly but no one is sure what are are supposed to do. They are supposed to pull money out in order to not concur penalties but aren't sure how much. Can anyone give a general rundown of IRA rules? [link] [comments]  |
| Looking to move shortly, unsure if my new landlord has security deposit from old landlord Posted: 25 Aug 2019 06:13 PM PDT Basically I moved here 4 years ago, about two years ago the new landlord took over the house and I never signed a lease with him.. but does he have my security deposit I gave the old landlord? I'm sure I can ask him and I will but what if he says he doesn't. Am I entitled to it or is it my fault I didn't get it back from the previous landlord. Any help would be appreciated!!! [link] [comments]  |
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