Personal Finance Lyft charged me $100 for vomiting in the car. As shaggy famously said "it wasn't me" |
- Lyft charged me $100 for vomiting in the car. As shaggy famously said "it wasn't me"
- Update: Husband and I have a lot to address. Does bankruptcy make sense?
- Lost our home in the Kincade fire (California). What on Earth do we do next?
- During a final round interview, the recruiter insisted on me naming my salary range before an offer is made. What's my next move?
- Comcast wants to charge me $15 for a self installation fee to change my plan, even though I have existing service with them. Am I missing something?
- (US - 25) Taking a full year off to hike the Appalachian Trail. Plan to buy a house once I settle down. PF, please help me
- Received $300 Cash in the Mail What's the Scam
- How can I afford to fix my terrible teeth?
- What are some conventional ways to increase my earnings potential?
- Changing HSA Providers - Can I Still File Claims for Past Years?
- I keep getting medical bills in the mail and they are due to the doctor submitting the bill incorrectly, but the doctor refuses to fix it for me. Am I just supposed to just "suck it up" and pay this?
- Struggling Grandparents, Options?
- Internet was canceled and now I am getting a bill for equipment I never had that was sent to collections
- Saving vs. Living
- Transferring Current Credit Cards to 0% interest Credit Cards. Any Downsides?
- Rolling over Roth IRA from wealthfront to fidelity
- What a HUGE difference autopay has made!!
- Rollover 401(k) to New Employer, or Leave It with Old Employer?
- Inheritance from my late father
- Full time student, part time worker. Broke my wrist and now I can’t work.
- I just got a transaction in my bank that was a Closeout Withdrawal, what does that mean?
- Charles schwab as a first bank account?
- key behaviors that help towards long term stress free financial habits/life
| Lyft charged me $100 for vomiting in the car. As shaggy famously said "it wasn't me" Posted: 29 Oct 2019 10:32 AM PDT Saturday I was out with buddies, went bar hopping. One of the Lyft drivers filed a cleaning fee for $100 for vomiting in their car. Don't get me wrong we were all drunk but we can all remember that ride and no one threw up. I filed a dispute, they responded back saying too bad driver provided proof (picture of the side of the car). Now Im not sure if I should let my CC company deal with it or respond by saying "I'm not arguing that there is throw up on her car, I'm arguing it wasn't us". How should I handle this situation? I'm not trying to pull a fast one on the driver, if one of threw up I would totally pay but IT WASNT ME. I can't seem to find the picture that the driver provided as "proof". Update : I found the pictures.. Can seem to upload them to the post.. Help lol is it to late to post a picture with my post? Update 2: I tried to look at the data, I can't seem to find any useful information. Any wizards out there willing to help? These are the images Lyft sent me via email. Update 3: They responded saying they reviewed the evidence again and they won't be issuing a refund. (I wrote back before posting to reddit) This time I was less friendly and asked what evidence they reviewed, for the original pictures, picture of the car before the damages, location and time of pictures. I mentioned other news articles of scams like this. I told them if I was not refunded I would reach out to my CC (so I will get money anyways) (I have capital one BTW cause idk if this is true lol) , post on all social media about their "investigations". I also asked for an invoice of the cleaning service. Any thoughts? Something I forgot to add? I will update once I have a response. photo one : Photo two : [link] [comments]  |
| Update: Husband and I have a lot to address. Does bankruptcy make sense? Posted: 29 Oct 2019 06:08 AM PDT I wanted to give a bit of an update on my post from last week, mostly as a GIANT thank you to those who commented! It's really hard to get into a bad spot in your marriage. It gets harder when the two of you fall into the unhealthy coping mechanisms trap. When it leads to near financial ruin it's terrifying and it's really hard to get past the embarrassment and shame and ask for help. Getting some feedback and basic advice probably turned this thing around. It hasn't been a perfect execution by any means but a few things have happened. I had to work through some crippling anxiety every day to face this. Some days I could knock out ten things on the to-do list and some days I could manage only two. I had to just give myself a pat on the back for whatever number it was and acknowledge forward progress. The borrower assistance application I had filled out was actually approved! The nearly two months we were behind can be paid back over the course of six months in addition to our regular mortgage payment. Not easy, but what a relief to have possible foreclosure taken off our plate. After the realization that I was paying all the wrong things first (thanks to you all) I opened a new checking account to stop all the auto drafts that were bleeding us dry (especially the payday loans). Housing, transportation and food will now be first priority. If credit cards and payday loans have to threaten collections that will just have to happen. We can pay them back soon enough. After making the call to the state about our back taxes, we were only under the threat of having our next return taken, NOT garnishment of our wages. This is a giant relief and we only need to make a $60/month payment until we can get to paying it off. I went back into my EveryDollar software and categorized somewhere around 400 transactions to catch us up, give us a better picture of our deficit and move forward using the Ramsey plan. We talked with the lender about the higher interest installment loan that includes my husband's truck and they will allow a half payment this month and let us skip next month entirely. I hope to have calls/letters out to all lenders and others we owe this week to negotiate payment/possibly delay collection actions. I have a few options for part time jobs in the works and hopefully can get started in the next few weeks. My husband is really dragging his feet on this one but I cannot just let him drop it. It has to happen. We are looking at our EAP plans through work for counseling options. Due to my medical issues earlier in the year I have used my entire deductible and can possibly get no cost/very low cost counseling. Nothing is by any means close to perfect and I'm not 100% sure how to get groceries or pay the cell phone bill this month but I can figure something out. Thank you so much for your help and the time you took to share your input and suggestions. The comments just offering support helped immensely as well. I'm very grateful. I was very alone and very scared. Posting here at least got me to take steps in the right direction. Most messes in life are very hard...but a financial mess is absolutely devastating, stressful beyond belief and terrifying. It's hard not to feel like an utter failure. I was really good at this game for awhile. I can do it again. Thank you. [link] [comments]  |
| Lost our home in the Kincade fire (California). What on Earth do we do next? Posted: 29 Oct 2019 01:29 PM PDT I'm not sure if this is even allowed here but I'm seen a pretty wide blanket of topics discussed here so I'm trying it anyway. This past week has just been devastating to say the least. Our whole property is gone now. What do we do? Just call insurance and start making a claim? Is there anything else we need to do? I'm sure there will be another class action suit again PG&E who is at fault again. Unbelievable. Thanks for any advice, friends. [link] [comments]  |
| Posted: 29 Oct 2019 07:05 PM PDT I recently attended on onsite, final-round interview at a company where I'd love to work. All of my interviews went well, and I followed up with a thank you to the hiring manager later that day and got a positive reply (although no offer yet). However, I met briefly with the recruiter that day and had an interaction I wasn't prepared for her. She asked my salary expectations, and although I deflected and asked if we could discuss that once an offer is made (as I had been taught to do), she stated that she wouldn't make an offer until I told her exactly what I was looking for in terms of compensation. I asked about the salary range for the position, and she told me that it was "open." She said that I could take a few days, but that she'd need a number. I didn't provide a number at that point for a few reasons:
I've now gotten a little more advice about what I might be able to reasonably ask for salary. However, I don't have any offers in hand yet. What do you recommend? Should I contact the recruiter and tell her I'm ready to discuss compensation? If so, how much higher than what I want do I start with? Should I just wait and see if she reaches out? Should I contact the hiring manager and somehow involve him? Thanks! [link] [comments]  |
| Posted: 29 Oct 2019 06:20 PM PDT |
| Posted: 29 Oct 2019 04:37 AM PDT Hello Personal Financiers - I have been lurking and learning so much on this page, but am taking a leap of faith and taking a year off of work. I need help managing my budget/finances. I am a 25 year old male living in the US for what it's worth. After 2 years of working and due to mental health issues, I have decided to quit my job this week. I closed a large deal at work, and received a $165k paycheck before taxes earlier October. My apartment lease will end in November, and I will plan on moving back in with my parents (rent free/free meals etc) for a few months before hiking the entire Appalachian Trail in April 2020 (5-6 month hike). Upon completing the trail, I plan on staying with my parents until I land a job. Once settled into a new city, I will plan on buying a house (potentially 200-300k value). Thanks to this subreddit, I have been saving like crazy, but I am a complete beginner to investing/managing money/understanding taxes etc etc. Here is a look at my current finances: 401k: $36,500 (maxed) Current Cash: $155,000 (including taxed large paycheck) Other investments: $0 Debt: $0 I expect the Appalachian Trail to cost $6,000 tops including gear/food (April through Aug/Sept). I will pay another $1,000 for rent/utilities in November. During my time off from November-April, I do not have any current plans, except maybe a small road trip to visit some friends throughout the US (~$1,000 tops). Also, happy to find odd jobs during this time to help with expenses. I fully own a car, but I heard there is a way to pay less if you will not use it for a few months during the trail. How I envision managing my current money: -Do not touch 401k. -Set aside Emergency fund: $10,000 -Money set towards time off and Appalachian: $20,000 (this is absolute max) -Down payment and closing costs on house once I settle down in 12+ months: $75,000 -Long Term Index Fund Investments: $50,000 (reading Bogle book currently) -I will only purchase house if I land a stable job that can cover the entire mortgage payments. My brother has also expressed interest in living with me and helping pay rent utilities if I purchased a house. PF, please let me know if there is anything I am missing or not accounting for. Should I keep the potential down payment in cash? Money Market for a year? Am I overthinking things? Underthinking? Is there somewhere I can work for the 4 months leading up to the trail? Let me know if you have further questions. Cheers! [link] [comments]  |
| Received $300 Cash in the Mail What's the Scam Posted: 29 Oct 2019 11:56 AM PDT I received $300 in $20 bills in the mail with the note "Hi *My Name* I know this will not permenantly resolve the challenges you face but I hope this gift helps. And do not worry no one will ever ask you to pay this back. Anyone seeking compensations is some kind of fraud." I've asked a few people but don't know who this is or why I'm getting this. This is cash and seems to be real. I have no idea what this is. What should I do next? Edit: No return address and may have come 1 week ago as I was travelling. Not only do I have an uncommon name but I live in an apartment with over a hundred units and the address has my unit number on it. Sender knows where I live, no doubt. [link] [comments]  |
| How can I afford to fix my terrible teeth? Posted: 29 Oct 2019 03:55 AM PDT I am 19. I timed out of the foster care system at 18. I have been on my own since. I work 2 jobs and bring in around $2500 after tax. Bills/debt are as followed: Phone - $108 Debt on credit card -$487 min. Payment is $25 Car insurance - $186 Rent - $250 I haven't gotten to go to college yet either but was planning on going next summer to start. I currently have Medicaid until I'm 26. My dentist said I need 14 crowns. My front 2 teeth are the first that I need done. The treatment and root canals are all covered by my insurance. Each crown though is $952. How can I afford this or finance and still be able to go to school next summer (August)? I also need to get a new car as the junker I bought is about to break down and the head gasket issue is more expensive than the car is worth. Any advise is more than welcome. Edit: I also have no savings as I had to pay for the car I just bought and other dental work before this. [link] [comments]  |
| What are some conventional ways to increase my earnings potential? Posted: 29 Oct 2019 06:39 PM PDT I'm 22 years old and I currently make $60,000 annually in my current role. My degree is in finance and that is the industry I currently work in. Based on the earnings trajectory of my current role, I estimate that I'll be at 6 figures (assuming high job performance and adequate raises + promotions) in ~10-15 years. While Im not entirely driven by money, I cant help but wonder what other options I have to accelerate my earnings and make myself more valuable in the job market. What're some ways to increase my earnings potential for my day job rather than pursuing side hustles? [link] [comments]  |
| Changing HSA Providers - Can I Still File Claims for Past Years? Posted: 29 Oct 2019 06:39 PM PDT For 2018 and 2019, we have used the same HSA provider through work. In 2020 the HSA provider through work will be changing and there will be an opportunity to rollover funds with the current provider to the new provider. We max out our HSA every year and then pay for any medical expenses out of pocket. I save my bills/receipts for making any claims in the future, if needed. Ideally I would never have to tap into the HSA until I hit retirement, but if something comes up, would I be able to file claims with 2018 and 2019 receipts under the new provider, or will they only see that the account was opened in 2020? I currently have enough receipts from 2018 and 2019 to pull out the full amount in the HSA and I would hate to lose the ability to use them - especially if I hit retirement and would like to pull out as much as possible without taking a tax/penalty hit. Thanks in advance for any input or advice. [link] [comments]  |
| Posted: 29 Oct 2019 02:03 PM PDT A few months ago I went to the dermatologist to have my moles checked for cancer. I made sure beforehand that this would be considered preventative care and thus I would not get billed for anything. And of course two months later I have a bill in the mail for $300. 150 for the doctor, and 150 for the lab the doctor sent my mole to. I have been in constant contact with my health insurance provider who has contacted the doctor's office numerous times on my behalf in order to get it fixed, with a few times where I'm on the phone with them on a three way call and they refuse to change the billing. They submitted it as a "consultation" despite the fact that it should have been a preventative visit. The entire visit I explained to the doctor I am here to get checked for cancer, I am not here because I think my moles look ugly. It didn't matter. They refuse to resubmit it for me as preventative and now they're threatening to send me to collections. I'm at my wits end over here. Stuff like this is why I never go to the damn doctor and it just reassures me that I'm right for being so paranoid. Now what am I supposed to do? Pay the bill and be out $300 because this doctor is trying to pad his billing or whatever? I think it's extremely unfair that I'm at their mercy, where I have to choose between my credit being screwed or paying a BS bill that I should never have had in the first place. Is there anything I can do? Small claims court? Charge it to my credit card and then dispute the charge? What options do I have? I'm in New York if that helps and I know the state is supposed to be pretty consumer friendly compared to other parts of the country. This is seriously keeping me up at night and I would really appreciate any help anyone can give. [link] [comments]  |
| Struggling Grandparents, Options? Posted: 29 Oct 2019 02:42 PM PDT My grandparents are currently struggling financially. They have a hefty amount of credit card debt, medical debt, and a few home improvement loans still. They are paying all their bills but they are not saving at all. They do not have significant savings or retirement, but they do own their house outright. They have talked about a home equity loan, but I'm curious if there are any better options out there? [link] [comments]  |
| Posted: 29 Oct 2019 09:31 AM PDT In April of 2019 I canceled my internet service because I moved to a different state. I just found out they are trying to charge me for not turning in equipment that I never had in the first place, I had all my own equipment from day one and was never charged for any hardware just service. Now I am being charged $122.00 for the equipment I never had. When I try and talk to the debt collectors they just tell me I have to pay and there is no resolution but obviously they just want to collect the debt and move on, I don't want to just give away $122 though! Any ideas on how to get them off my back? Thanks! [link] [comments]  |
| Posted: 29 Oct 2019 10:43 AM PDT I just had a conversation with a co-worker where I told him I upped my Roth contribution because we just received a raise. He asked my why I would sacrifice so much when I'm not guaranteed that I will see this money. (Early death, etc.). I'm currently contributing roughly 15% towards retirement. How do you all navigate this? [link] [comments]  |
| Transferring Current Credit Cards to 0% interest Credit Cards. Any Downsides? Posted: 29 Oct 2019 04:18 PM PDT Hello, I have 3 credit cards that I initially had gotten while building my credit to buy my house. They all have a 22% interest rate and I was wanting consolidate to 1 card with a lower interest rate. While doing some reading I found that some people will just jump from card companies that have 0% interest for however long that lasts and then switch to a different 0% interest card, repeating the process. I'm curious if people any insight on the pros and cons of this type of process? [link] [comments]  |
| Rolling over Roth IRA from wealthfront to fidelity Posted: 29 Oct 2019 07:03 PM PDT So I am trying to rollover my wealthfront account to fidelity because i dont like not being able to control what i'm investing in. It appears most of my stuff has been invested in vanguard ETF's like VTI. I believe that the transfer will transfer all assests to fidelity. Will I have any problem liquidating/selling these vanguard ETF's in Fidelity? It should be free now since they are now commission free trading right? [link] [comments]  |
| What a HUGE difference autopay has made!! Posted: 29 Oct 2019 01:30 PM PDT This Summer, I received a windfall. After using it to catch up on my utilities/essential bills, I wanted to automate my utilities & essentials. I was extremely nervous though, I thought I would then end up with not enough grocery money or to be able to afford a bill overage. In actuality, I have both saved a ton and even profited by doing this. Steps: 1. Recieved Windfall $ 2. Set everything I could to bill averaging (all but water.) 3. Listed all monthly utilities (rounded up slightly) and amounts, divided amount by 4 (2 people x 2 paychecks) 4. Established secondary checking account. 5. Split our direct deposits/ amount in Step 3 to direct deposit to new checking account 6. Set everything up to autopay Note: My water bill is my only essential bill that does not average or have a set amount. In order to remain budget control I made a guess myself and set up a bank billpay that sends the same amount to it every week. 7. Profit. Alright, so # 7 is a semi-joke, but: ○I can't believe how much I was wasting on late fees. (Electric $5, Internet $8, Phone $6) Thats only a partial list and I'm already over $20. I have definitey felt the positive difference in my grocery/spending budget. ○Two of my essential bills offer autopay discounts ($10 and $5). So thats another $15 in savings. ○August was a three paycheck month for me and I was actually able to use some of that for more exciting things instead of catching up like I usually have too. ○ I was spending a ton of time each month 'juggling' as we call it. By that I mean robbing Peter to pay Paul, in other words, I would do things like pay 1/2 the car payment so I could pay the electric and not get shut off. And then next check I would have to now postpone the phone bill so I could pay the rest of the car, and the cycle continued. My newfound time and energy has been going into writing a blog......possible future profit. :) ○ I am so far ahead on the water bill, (due to the note in step 6) I was able to cancel one bill payment and retain $40 for whatever I wanted. ○ Recently, my local Cox (internet store) had a promotion where if you spent so much you got free museum tickets. I was able to take my bill $ out of the utility account, pay my bill in person, and score the free tickets. They do these promotions a couple times a year but I have alway been too far behind on everything to take advantage. Definitely recommend automating, it is a game changer! [link] [comments]  |
| Rollover 401(k) to New Employer, or Leave It with Old Employer? Posted: 29 Oct 2019 04:32 PM PDT I'm in my early 30s. About two years ago, I changed jobs. I began contributing to my new employer's 401(k), staring from a zero balance with the new plan. I never rolled over the balance from my old employer. It isn't a large amount (maybe $25k or so), but is enough where I wonder whether there is a significant difference in outcomes if I leave it where it is (where it receives no new contributions and only grows with investment returns), or it I roll it over to a plan with active contributions. Any thoughts would be much appreciated! [link] [comments]  |
| Inheritance from my late father Posted: 29 Oct 2019 08:14 PM PDT Hey guys, my father recently passed away from cancer and I inherited roughly 400,000 usd. The money is in a few separate accounts as of now. The biggest amounts are in an IRA, a 401k and a checking account. I am going Thursday morning to a financial guide to get all of the money put together. I need advice on what to do with this money. I want to invest all of it. My house is paid for and all I have each month are regular bills like electricity, cable, Etc. I want to invest the money to get the best return possible with little to no risk of losing it. The problem is I know absolutely nothing about investing. (I am a 27 year old male in USA) [link] [comments]  |
| Full time student, part time worker. Broke my wrist and now I can’t work. Posted: 29 Oct 2019 05:40 PM PDT I'm a senior in college that works part time (about 18 hours a week) to fund my rent and food. I recently broke my wrist and needed surgery to repair it. I cannot work or do physical activity for about two months. Is there anyway to collect unemployment as a student. I'm going to college in Pennsylvania but I'm originally from New Jersey. Anything will help. Thanks. [link] [comments]  |
| I just got a transaction in my bank that was a Closeout Withdrawal, what does that mean? Posted: 29 Oct 2019 07:43 PM PDT I just got a bank transaction of whatever I had left in my bank and a transaction called dad chargeoff partial recovery. Does that mean when my social security goes into the account it to will be withdrawn. If so how do u counteract this. [link] [comments]  |
| Charles schwab as a first bank account? Posted: 29 Oct 2019 07:19 PM PDT Literally just turned 18. online banks seem appealing, and i dont deal w cash too much. what do u guys think? i heard they do a hard credit pull - im farily certain my credit has no activity at all, wasnt able to check online so ima have to mail in my free credit report. do you have to have credit activity to open an account? thx yall [link] [comments]  |
| key behaviors that help towards long term stress free financial habits/life Posted: 29 Oct 2019 03:30 PM PDT have learnt a ton from y'all and learnt from lots of mistakes to reach a level today of stress free financial life your mileage may vary here are key behaviors that help towards long term stress free financial habits/life
can answer specific questions if needed! [link] [comments]  |
| You are subscribed to email updates from Personal Finance. To stop receiving these emails, you may unsubscribe now. | Email delivery powered by Google |
| Google, 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States | |
No comments:
Post a Comment