Personal Finance Ignore any private messages. Anyone offering services, transactions, referrals, etc. is a spammer or scammer. |
- Ignore any private messages. Anyone offering services, transactions, referrals, etc. is a spammer or scammer.
- My employer posted my current position on an internal Job board. I'm need recommendations on steps to take when I talk to management.
- Job contributes 6% to 401k even if I don’t, should I contribute or do Roth IRA?
- What are some services I can take advantage of with an .edu account?
- 24 with no debt, healthy savings, stable job, supportive friends/family, and a yearning to travel. Am I thinking irrationally to leave everything behind?
- Data-backed research for those wondering how much to keep in your emergency fund
- How much to save in 401K
- I'm 22 in grad school and someone rear ended my car on the highway and totaled my near worthless car
- My wife has only ever opened one credit card and it has a $99 annual fee. We rarely use it - should we cancel it?
- My girlfriend received a threatening phone call regarding a debt supposedly owed to US Bank that's 10 years old.
- Insurance for expats living abroad
- Im 21 years old and ready to move out. But my mother offered to put me on the mortgage to get me to stay.
- Pay off student loans vs saving for down payment
- How would you recommend getting cash into a bank account with no local branches or ATMs, without paying fees?
- Was laid off this week. Have some questions about what to do next
- Drowning in Living Expenses. HELP!
- Need a plan to get out of debt, buy a vehicle, and have a small backpay check coming to me.
- Best Way to Store Savings for a Medium-Term Life Goal (~5 Years)
- Buying ETF vs mutal funds?
- Where to put money next?
- Harder and harder to negotiate with Internet Provider
- Apartment management is still charging us half off rent, past the promotion.
- Salary Negotiation: Switching jobs within the same company.
- 22 w/ no debt, just starting to take finances seriously. have a few questions/looking for recommendations
- Is living on campus worth it?
| Posted: 16 Oct 2019 01:13 PM PDT Here on /r/personalfinance, we ask people to "please treat others with respect, stay on-topic, and avoid self-promotion". Focusing in in on that last part, we believe it's important to limit the effect of biased and self-interested advice, questionable financial products, and scams. The problem we're seeingUnfortunately, there is a disturbing increase in private messages and chat being used by scammers and spammers. Accounts with virtually no history can send anyone a message and Reddit is increasingly inconsistent about taking down these accounts. Scammers and spammers often target people having financial difficulties (e.g., a very persistent scammer on /r/Debt) and people who are new to certain personal finance topics. The admins also refuse to take reports from the moderation team so all we can do is ban these accounts from posting here. This does not prevent them from messaging you unfortunately, but please do message the moderation team so we can prevent scammers from commenting. Scammers will often comment prior to reaching out in a PM. What we're doingUntil this is better addressed by Reddit, we're going to ramp up our efforts to warn people and we're going to sticky this post for an extended period of time. We already send out an automatic message to anyone making a submission warning them to ignore PMs (along with some other welcome information). Unfortunately, due to a design quirk in AutoModerator, this doesn't get sent 100% of the time. To address that, we're going to make this warning more consistent by using a separate bot. What you can doFirst of all, please report abuse to the admins and report abuse to the moderation team. If you need to post private or sensitive information, please consider using a throwaway account (totally allowed here) and make sure you completely redact any sensitive information such as account numbers, your name, and your address. Finally, we hope this doesn't deter you from posting here on Reddit. It's very easy to block people that message you privately and hopefully this is not the permanent future state of Reddit. Regards, The PF moderation team TL;DR Ignore anyone messaging you privately.Report abuse to the admins and report it to the moderation team. Thanks.[link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 05:02 PM PDT Hi and thanks for any advice I'm given. I have been with my company for about 1.5 years. I was promoted to my lead position about 6 months ago. For some background my department was recently restructured. Six months ago I was promoted to a lead position. Directly below my manager. During this time my girlfriend was pregnant with our first child. Our company was going through a upper management restructure as well. About 2 months in I am granted parental leave of about a month to spend time with my newborn. Before I leave I am tasked with getting one of the workers up to speed to help cover my leave. For the past 4 months I busted my ass to prove my worth at the same time said coworker continued to do the same. The only thing is this coworker seems to be a great kiss ass. I am more experienced and have years of management skills to their zero experience. I have even mentored this employee on skills to use when she talks to management for a future promotion. Recently they leave me out of the loop on important information I need to lead my team effectively. They don't follow the chain of command and I'm left to find information second hand. Now they post my current position as open for applicants and no one has spoken to me about any restructuring or issues with my job performance. What should I do or am I jumping to conclusions? Another piece of Information is that my company is in a battle with a union. The employees want to unionize and the company is against it. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Job contributes 6% to 401k even if I don’t, should I contribute or do Roth IRA? Posted: 16 Oct 2019 07:59 AM PDT My job contributes 6% of my 57k salary to my 401k regardless of if I contribute or not. For 2018 I did also contribute 2% myself, but also put aside $1,500 for the year in my flex spending plan to take care of a ton of dental work I needed. This year I don't need that much more dental work, so I'm only planning on putting $250 or maybe less in my flex spending, which I will free up about $1,250 or more. I may not use the flex spending at all since I have become much better at saving money since the start of 2018. I may also receive a quality of life raise at the start of the year. I have a decent emergency savings (at least 2k between my partner and I that live together) and 20% of my income goes into savings, split between adding a bit to the E savings, long term savings, travel savings, and even a Robinhood investment account (dividend focused investing) etc. I have a few thousand in CC debt but should finish paying it off within the next 6 months as I'm using about 20% of my income to aggressively pay it using the snowball method. I know you all might say that it is best to stop adding to my savings/investments for a while and kill the CC balance even faster, but 1 of the 2 CCs is on a 0% APR period for a year, and the other CC will get paid within a couple of months. I am happy with the rate I'm paying off the CCs. 40% of my income goes to housing, food, gas, student loans, insurances, etc. The last 20% of my income is my spending money. 35k in student loans and I am paying minimum plus whatever the ChangEd app that I use helps me pay (about 1k a year). I work at a non-profit and am on the student loan forgiveness plan, which is why I am not focusing heavily on lowering this debt. Basically my question is what is more beneficial? Should I continue also contributing to my 401k along with the 6% my employer contributes? I was thinking of upgrading my contribution from 2% to 4% with the $1500 or so that my lack-of flex spending plan is going to make available to me so 10% total of my salary will be the total contribution to my 401k, or I was thinking of opening up a Roth IRA and putting that amount in there instead. From what I've learned, it is a good thing to have multiple vehicles of retirement instead of putting all eggs in one basket, just wanna see what people think is best! I am 27, and have a partner that I live with, we've been together for several years and most likely will be getting married within the next 3 years or so. She has no CC debt and only about 12k in student loan debt. Also is saving 20% of her income. Let me know if you need more info and I can edit this and add. Thanks! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| What are some services I can take advantage of with an .edu account? Posted: 16 Oct 2019 02:40 PM PDT I started school full time at WGU this month as an adult, and it's my understanding that some services waive fees for students with a valid edu email address. What are some things I can do to either save on bills or increase my income with the edu email? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 12:35 PM PDT A little bit more background information. I (24M) graduated university in 2017 with a degree in Computer Information Systems, and for the past 2.5 years I have been employed at a well respected Technology Consulting firm in a major city making decent money ($75,000). I have no debt, $50,000 in savings, and $20,000 in a 401k through my company. I am paying $750 for rent living with close friends, and I am in close proximity to my family. I am single, with no desire to be married, have kids, or own a home at any point in my near future. To summarize things, I am comfortable. I am healthy, have supportive relationships, and can monetarily support myself. Having said all of that, life right now feels monotonous. Work is simply a means to an end. My job has been nothing short of unsatisfying, and the thought of moving up my company's food chain and earning more income sounds unappetizing and unappealing to me. I don't foresee my mentality changing at a different company. To be clear, I have nothing against people, especially my age, who are driven and motivated to earn a better position and get a higher salary. I was born and currently live in a major city on the East Coast, and that is how a majority of people operate. They are career-driven, opportunistic, motivated, and possess an impressive work ethic. I have tried hard to fit that mold, and to a certain extent, I did an alright job. It's been an exhausting ride, and I don't envision fitting that mold being a sustainable force in my life. Having said all that, I have been flirting an idea that has potential to drastically change the course of my life, and wanted this community's opinion on if I am thinking about this rationally, or if there's certain variables that I haven't considered. In short, come next spring I want to leave my job and spend ~1.5 years driving a camper van through the entirety of the US, and then ultimately down the Pan-American highway through Central and South America. To preface this, I have a healthy travel history. I have spent a month backpacking in Europe, a month in Colombia, and a month in Southeast Asia. I understand how to travel smartly and frugally. To be clear, my philosophy to undertake this trip does not root itself in me escaping my current situation in life, or seeking "wanderlust". At the core of it, I don't want to grow old and live with the never-ending regret of not doing something life-altering when I had everything perfectly aligned for me to do it (money, health, time). Having been able to travel a decent amount, I understand the true nature of it. It's not a cure all for your problems, and it's often nothing how it is fantasized on Instagram or other media. It's raw. It's spending a lot of time alone. It's decreasing the time spent with your parents as they grow older. It's missing weddings, it's leaving friends, it's leaving job opportunities, it's creating gaps on your resume, etc. I understand the concept of opportunity cost, and I understand travel is no exemption to it. However, when all is said and done, I am a firm believer that exploration is healthy in the long-term. It has the power to fundamentally cause shifts in the way you view yourself and the world, and for the most part I believe those shifts to be positive. It's a shift I am confident will be beneficial for me at this stage in my life. I keep telling myself that I am thinking about this maturely. I am confident I could do the entire trip with $20,000 or less. I know that means missing 1-2 years of a solid salary, as well as the compounded money that would be channeled into my 401k account. I don't know what the journey will hold for me. Maybe I will acquire a new skill, find a new passion, or fall in love. Maybe it will end, I'll return back to the place I left, and I'll find solace in returning to an office job because I realized I am actually content with it. In 10, 20, 30 years down the road, I want to at least take comfort in knowing I tried. Knowing I took a shot at gaining some clarity in my life at a moment when things were getting dull. I didn't post this to r/travel for a reason. Any advice, thoughts, criticism, or financial guidance on this decision making would be appreciated without bounds. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Data-backed research for those wondering how much to keep in your emergency fund Posted: 16 Oct 2019 05:11 PM PDT Ran across this article that offers some data-backed research on how much to keep in your emergency fund. The article focuses on lower income respondents, but the guidance is also relevant for those just getting started and looking for benchmarks. This isn't an argument against having more in your e-fund when able, but it offers some more concrete guidance that might be a useful alternative to the common advice here of saving $1,000 and then moving on to high interest debt. tl;dr According to the article, having $2,500 in your emergency fund will cover most common emergencies and saving more than that results in diminishing returns. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 05:22 PM PDT i am 51 and only have about 14,000 in my 401K . Ive been there 24 years and feel crappy because I dont have more because i am always just above minimum wage. I just got a nice raise, take home about 200 a month more then before. I want to add more since I know I can live on what I make now. How much should i be saving? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| I'm 22 in grad school and someone rear ended my car on the highway and totaled my near worthless car Posted: 16 Oct 2019 06:57 PM PDT I only have 2k savings in my bank account and I'm not sure what to do. It seems impossible for me to get a job right now because I'm doing student teaching (unpaid internship where you often work more than 40 hours a week as well as attending college level classes). Currently, I'm renting a car, but my time is running out. There is no estimate on my car yet. What should I do? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 09:33 AM PDT Title mostly says it all. My wife is 25 and opened a Southwest credit card when she was 18. We rarely use the card and it carries a $99 annual fee. So we're basically paying $100 a year for the sake of her credit card. Do we have any options here or are we basically stuck paying for this card, unless we want to completely screw over her credit score? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 12:29 PM PDT I told her I didn't believe any of it and that it sounds like a scam. However, she acknowledges having an overdraft account years ago that her mom took care of for her (possibly as a teen?). They stated that US Bank is suing for damages since she has not responded to the $1000 settlement offer on the $4000 balance. They also confirmed her old address, our new address where we moved, as well as personal details such as her full SSN. Am I right in thinking that our main concern should be that her identity has been compromised? I've never heard of a legitimate collector/law office spouting off your own SSN to you. I told her first things first to block the numbers, and that we'll be looking into ID theft protection. I also think that if she was being served they would've just served her, or sent debt collection letters a long time ago. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Insurance for expats living abroad Posted: 16 Oct 2019 09:53 PM PDT I am from the States and I am currently traveling around Vietnam and South East Asia for the foreseeable future. I can't really afford health and travel insurance. Are there any other options I can use? The main reason I ask is that I ride a scooter every day here and if you know anything about Vietnam you know how crazy it is to ride a scooter or motorcycle here. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 08:17 PM PDT I posted this situation in r/amitheasshole yesterday. This is an update of that, but fits better in this subreddit and i need more professional advice. Read original post first. So after the Judgement from the previous post, i told my mother i would be moving out with kat. She was upset but came back with a counter offer. If i stay she will put my name on the mortgage. I dont know if this is a good idea or not. Im currently planning on saving up and buying a duplex to live in one half and rent out the other. Obviously i would go over the paperwork first, but these are the numbers shes claiming: She assumes 80k in equity (mostly through renovations and appreciation) looking at similar houses in the area this is seems to be somewhat accurate. 5 years into the loan original loan was for "just under 80k" Interest rate "around 4%" (idk how she doesnt know this) In the case its sold i get half the equity. In the case she dies i get 75% as 25% would go to my brother. I would take on half the mortgage payment. So about $350 per month plus half of the utilities. Other terms: She has a little over 10k in credit card debt. I would have to help her pay this down She and my brother are going to be living in there for the foreseeable future, so i cant rent it out other than to my girlfriend, which we dont really wanna do. Likely cannot tap into equity for around 10 years My first reaction was to tell her im skeptical and she got upset again and went on saying how good of a deal it was and id be dumb to turn it down and said if i didnt take it she would offer it to my brother, (who is terrible with money and likely would miss payments) which makes me ever more on edge about it Is this worth inheriting all this debt and this payment and headache for this potential equity? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Pay off student loans vs saving for down payment Posted: 16 Oct 2019 04:26 PM PDT Hello PF, My wife and I have a combined ~$40k in student loans which we pay about $500 monthly. We just paid off a car and a small amount we had on credit cards. (So glad that's done!) We both have decent paying jobs and if we are frugal we can save about $6000 a month plus yearly bonuses. After 401k and Roth IRAs maxed where should we put that money? Is it better to save away for a down payment on a house or to pay off the student loans first and then start saving. Housing market here is crazy around $750k for a single family home but could go cheaper outside the city or condo. Currently we pay a little over $2k per month for rent. Thanks in advance for your reply! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 09:01 PM PDT I have a bank account with a credit union 3,000 miles away. They have two branches and two ATM machines, total. However their app does allow mobile deposits. I can't figure out any logical way to convert my cash into something (a check) that I can deposit without fees. I know that I could buy a money order or cashiers check, but I don't want to stockpile cash in order to get the best % on fees. I also don't want to go down the road of giving it to a friend and having them write me a personal check, that would get old quickly, and they're essentially spending money in the form of their checks, every time I do it. To thicken the plot, I also live in a remote area, without many of the more common stores like walmart etc, where as I understand, these things can be accomplished with a pre-paid re-loadable card. Any ideas? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Was laid off this week. Have some questions about what to do next Posted: 16 Oct 2019 04:23 PM PDT On Monday my boss and HR director told me the department was downsizing and I would be laid off. I saw it coming and wasn't all that surprised. They told me they would have me work for two more weeks, during which they would help me workshop my resume and other things to help me job hunt. They also told me they would not contest unemployment if I filed for it. I have two questions at the moment: I have already received an interview invite for a similar position in the same area. The only problem is I have a feeling this position would be a significant step down for me (my current position required a 4 year degree whilst this one does not. The company has different openings that would be more in line with my skill set but they are out of state and I would like to try and get a job without having to relocate). My question is if I take this interview and am offered a job would it put my potential future unemployment claim in jeopardy to decline the offer? I have saved diligently and don't have a pressing need to accept a job offer if it is less than optimal. My other question is do I need to wait for my actual last day to be over to apply for unemployment or can I start now? Edit: This is in Ohio [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Drowning in Living Expenses. HELP! Posted: 16 Oct 2019 01:30 PM PDT Hey r/personalfinance, I could use your help. I am a single male, 22 years old. I'm employed by the State of Florida as a government analyst. I make about $36,500/yr gross. I am struggling to find any disposable income after paying all of my bills, and I'm not saving as much as I need to be. Here is a list of my monthly expenses: Take-home pay after taxes and deductions (i.e. health insurance, income tax, retirement contributions): $2,150.00 Rent: $685.00 Car payment: $312.55 (2014 Honda Civic w/ aftermarket warranty, 41 more months left on loan) Phone bill: $67.43 Internet: $36.00 Car insurance: $242.80 Utilities: $95.00 Groceries: $250.00 Entertainment/dining out: $150.00 As you can see, I'm left with about $311 at the end of the month to pay for any miscellaneous expenses, which doesn't leave much (if any) to put into savings. I currently have $1,000 in an Ally savings account. I have no credit card debt to speak of. Any suggestions about how to minimize expenses would be much appreciated. Thank you! EDIT: Just to clarify a few things I missed (sorry, this is my first r/personalfinance post). -A lot of you are mentioning the high car costs. This has proved to be a huge issue for me. When I bought the car this year, my insurance premium was more manageable, at $100/mo. I have been hit twice this year and the rates have skyrocketed to $242.00, even though I was not at fault for either. I was not at all expecting the premiums to multiply 2.5x in size. From your suggestions, I am considering selling it and buying a beater and dropping collision coverage. The costs simply take up too much of my income and are leaving me drowning. -I have less leeway in grocery costs, as I share expenses with my girlfriend/domestic partner, and she has severe dietary limitations which cause groceries to be expensive. We shop at Costco and buy in bulk when possible. -My 18mo phone lease is coming to and end and I plan on buying it out and switching to a low-cost carrier which will help with that recurring expense. Thank you everyone for your invaluable advice. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Need a plan to get out of debt, buy a vehicle, and have a small backpay check coming to me. Posted: 16 Oct 2019 10:11 PM PDT I want to get out of debt. I currently have:
Total: $14081 My Monthly Income looks like this: (These are based off minimum hours worked, I frequently work more hours but this is conservative based off minimum hours)
Total: $3050/monthly My monthly expenses are as follows:
Total: $1425 My credit score is currently 630. Job#3 is military reserves. I currently use a motorcycle as my primary mode of transportation, but the weather (snow is coming) is going to force me to either use public transit (expensive and unreliable where I live) or finance a vehicle. My landlord is family, and the $800 balance is from a year ago when I was unable to make rent for a couple months due to a layoff. He is not charging me interest, but I would like to pay it off as a matter of good faith. I am about to receive about $5500 in backpay. I currently have $1550 in an online high yield (2%) savings account as my emergency fund. I would like to grow that emergency fund to 2-3x my monthly expendatures. I think it makes sense for me to use that small backpay to completely pay off my credit card (and start paying off the balance every month like a responsible person). A few credit score calculators tell me that would bump my credit score into the +650 range, where I could most likely get a decent interest rate on a used car (3-5%). I would like to finance a reliable, AWD car because I am considered essential personnel and need to travel up to 75mi for Job #1 and Job#3. I'm looking at some kind of AWD Subaru because they are great in the winter and tend to have good fuel economy. In the Spring/Summer/Fall I tend to ride my motorcycle everywhere and get about 100MPG, so this would mainly be something I would only drive for groceries/winter/rain. Probably less than 10,000mi/year. I am leery of taking on any more debt until I take care of my student loan and CC debt, but having a reliable vehicle will mean I can work a lot more. I would be able to make more money both by doing extra military drills (funerals, etc), as well as being able to travel around the state to do more overtime details. Two overtime details per week could net me an extra $1000/mo. I also have an opportunity to take Job #4, which would net about $100/night + tipout. I also want to pay off my student loan as aggressively as possible. What do you guys think of my plan, and would you do anything differently? Keep in mind my income can vary greatly from month to month, and sometimes I can even double my income from Job#1 depending on hours available. I also have a TSP retirement account, a Roth IRA that I have not funded for several years (I've lost about 30% due to the market since 2008), and a state government retirement fund, as well as working towards a state pension (3 more years until I am vested). Eventually I would like to transfer my Roth IRA from my current provider (LPL) to something like Fidelity. Any help is greatly appreciated! [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Best Way to Store Savings for a Medium-Term Life Goal (~5 Years) Posted: 16 Oct 2019 10:04 PM PDT Hi all. Sorry if I'm asking such a generic "Google-able" question of sorts. Long story short, I'd like to save up for a pretty big-ticket item. As one of many ways to motivate myself, I dream of owning a used Aston Martin Vantage one day. This means that I'd like to save $60K+ in cash (definitely going to pay in full, duh). What's the best place to stash my acorns towards this goal? I reckon it'll take me ~5 years if I save really smart. I was going to open up a typical savings account at a major bank, but I was wondering if there are better places to put my savings for this specific goal. I'd imagine that I won't be withdrawing (only depositing) until I pull it all out when/if I buy the car. What would you do? Thanks. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 09:57 PM PDT I am just starting in the investment world. Looking to make my first real purchases through my Schwab acct in the coming days. I was considering either SCHX or SCHB, but then someone recommended the Schwab mutual fund SWPPX. All of these have very low expense ratios. Is there any deciding factor between going with an ETF vs a mutual fund like this? [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 03:24 PM PDT I take home about $3,000 per month after taxes. I am also saving
I have about $3500 for an emergency fund. This would be about 2 months of expenses for me. I have a student loan of about $9,000 with 3.5% interest rate. Should I
My current car is 18 years old with almost 300k miles on it. It's been reliable but the transmission is showing signs of failing (lots of noise when shifting and clunking). I want to say my job is fairly stable but my company recently got bought out. I've seen a few people being let go already but none in the department where I work. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Harder and harder to negotiate with Internet Provider Posted: 16 Oct 2019 04:03 PM PDT Just spent about 40 minutes (20 minutes on hold) on the phone trying to negotiate with Spectrum. For my first year it was $44.99, then this past month it went up to $64.99 and now it's at $69.99. Spectrum is the only internet provider in my zip code. I talked to their sales dept and got transferred to a supervisor. However, after pleading my case, they weren't able to do anything adjusting the price. They kept trying to upsell me which is understandable but I had to endure all of it. At almost $76 after tax per month for semi fast internet speed, I'm seriously considering cancelling and just using public wifi from the library or coffee shops. Some of you might have luck in negotiating especially if Spectrum isn't the only provider in your area. Just wanted to share my experience since I'm probably not alone in this situation. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Apartment management is still charging us half off rent, past the promotion. Posted: 16 Oct 2019 09:17 AM PDT Hi, I renewed my lease in August this year and we received a renewal special of half of rent. I'm not entirely sure how long it was supposed to last as my MGMT is terrible at communicating, and the manager lady briefly mentioned it in passing during the middle of an argument about who knows what. I forget. But I'm sure it was supposed to be only a month of discounted rent, yet it's been three months for us and we're still seeing the discount. What would you do in this situation? What could happen once/if they realize they've charged us half off rent past what was promised? Can we get evicted due to something we cannot control? My girlfriend and I are waiting until this months rent is due to see if the amount goes up to normal, but currently our portal still shows the discounted price for our upcoming payment. Thanks for the advice. Edit: I've found a document in my email detailing our discount. I does in fact say that it is a "One time concession of 1/2 off rent rate to spend throughout your twelve month lease" & "This option is ONLY usable within the first two months after your new lease starts". Essentially, I'm fucked. [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Salary Negotiation: Switching jobs within the same company. Posted: 16 Oct 2019 04:01 AM PDT Hey all, I may be seeing a salary negotiation situation coming up by next week. I interviewed for a job in a different department of my company. I was contacted 2 days ago by HR saying that they are processing an offer and I am wondering how I should go about negotiation. It will be a promotion and I will be managing hourly staff, about 20 people. I know they will try to lowball me as much as possible but how can I negotiate well? I know I am the leading candidate because my future manager contacted my current manager and told him that. Edit1: The Salary band for this is 79k to 130k [link] [comments]  | ||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 16 Oct 2019 06:08 PM PDT I (22NB) am trying to take control of my finances. I have 2 part time jobs bringing in ~$2,500/mo and I am going to community college part time. I have no loans, live with my mother so I have no rent to pay + only cover one of our monthly bills at $115/mo. I have been reckless with my spending so I only have $200 in savings, but I am working on creating a budget/ savings schedule. I have one credit card: Capital One Platinum Secured* Mastercard. I got it because I had no credit and thought a small secured card would be best. I've had it for 10 months now, always pay on time, and it currently has a $200 limit. Last week I had a balance of $169 charged to it, and though I have paid it all off, my credit score has yet to reflect that, so it's currently sitting at 649. *I am not sure of the secured status of this card? Nowhere on my account says that it's a secured card, and I cannot find any information on the down payment I made to open the account. Is it possible that Capital One changed it to a regular Platinum Mastercard? I have been researching credit cards as I want to open a second card to try to get travel or cash back rewards + increase my credit. With my current credit score I doubt I will be approved for any of the cards that are worthwhile, so tonight I applied for a credit line increase on my Capital One card, up to $1,000. According to Credit Karma's credit score simulator, if I'm approved for $1k, it should raise my score to ~720 (not including any gained points from paying down my balance.) So, I have a few questions.
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| Posted: 16 Oct 2019 08:17 PM PDT Hello all, I have recently come upon the opportunity to dorm at my college. I have an extremely negative family life and want to get away, and I thought it would be cheaper to dorm rather than an apartment. It would be around 7,000 each year for two years. I would have to take a loan out for $14,000. I already have a loan for $27,000. I just wanted your opinion on this would be worth it or not, considering I would be adding more money to my student loans. Thank you [link] [comments]  |
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