Personal Finance 30-Day Challenge #11: Audit your insurance coverage! (November, 2019) |
- 30-Day Challenge #11: Audit your insurance coverage! (November, 2019)
- Weekend Discussion and Victory Thread for the week of November 01, 2019
- The best $12/month I ever spent
- Was making $16hr bringing home about $1200 after 16% taxes. Got a new job making $26 and taking home about $1200 after 40% taxes... I need help making sense of it all.
- Dating student debt
- Health Insurance Claim Denied Due to "Insufficient evidence establishing that the service is generally accepted in the Medical Community"
- Questions about Retirement Savings for single-income family with high AGI
- Always shop your mortgage
- I recently purchsed a used car from a friend and I'm having issues with the title.
- Almost $20K in credit card debt BUT getting lump sum from stolen car. Advice? This is my one chance to get out of this debt.
- Capital One Account Errors
- elderly friend paid $20,000 for work not done yet.
- Should I accept the promotion I just received at work? Or try to negotiate?
- 22 years old, $52k+ in debt. Only making $37,700 a year.
- Debt collector does not return calls, has no office (only a PO box) and the letter states interest will continue until paid.
- Dream job...but $10k pay cut. Is it worth it and how should I prepare?
- Thinking about quitting one of my jobs. Advice please.
- Roth IRA + interest earnings affect 6k limit?
- Getting my Roth IRA going
- I'm struggling to survive at uni
- Payoff my car or continue payments?
- Somebody used my card
- How do you pick umbrella insurance?
- Close to purchasing a home, having butterflies in stomach, did we overbuy?
- Boss is fronting me to move - who should check be made out to?
- Zelle money not showing up?
| 30-Day Challenge #11: Audit your insurance coverage! (November, 2019) Posted: 01 Nov 2019 06:08 AM PDT 30-day challengesWe are pleased to continue our 30-day challenge series. Past challenges can be found here. This month's 30-day challenge is to Audit your insurance coverage! How long has it been since you examined your coverage or gotten a quote from another company to look for cheaper insurance? As your life evolves, it's important to make sure you update your insurance coverage as well. This is also a good way to save some money if you can find a better deal for insurance elsewhere or if you find yourself overinsured in some specific area. Why insurance?Insurance is an approach to handle the problem of risk. Most likely, during your life, one or more of these things will happen: you will be in a vehicle accident, you or someone close to you will experience serious illness or injury, or you will lose your job. Positive events have associated risk as well: ask anyone who has had a child, puppy, house, or marriage. You can choose to retain each of those risks: decide that if the bad thing happens, you can afford to pay for it, to self-insure. For example, if you lose a laptop, you can buy another one. You can also reduce the risk, say, by not driving on icy streets or by having chains on your tires. The other ways to deal with risk are to avoid it (don't buy a puppy) or transfer it (insurance!). Most of us don't think about risk until the bad thing happens. We are in a vehicle crash with an expensive car, someone is injured, and only then it dawns on us that we might be underinsured. For many major risks, most people share the risk with an insurance company through various insurance products. If you own a vehicle, most likely you will be required by your state to have liability coverage (personal injuries and property damage caused by you). If you have a mortgage, your mortgage holder will require you to have homeowners insurance and some landlords will require renters insurance. Other types of insurance are optional, but may be desirable if available, for example, disability insurance. Audit your insurance coverageTake a minute to think about what insurance coverage you currently have, whether you may be paying too much, and whether your coverage limits are appropriate:
Although insurance is an important financial tool to protect you against emergencies, it can also be a major drain on your budget. Insurance agents often use the fact that some insurance is important to make you feel that the more insurance you have, the better off you are. It's wise to only insure what you need to insure. What do you need to insure? Anything that you could not easily afford to replace with your cash savings or where the loss would significantly set you back financially. In the next 30 days, review not only the types of insurance you have, but the level of coverage you have in each type. Here are some ideas for various types of insurance: Car InsuranceAssess all the types of coverage you have on your car. See the wiki article on car insurance for more details and ways to save money. For example, if you drive less than 10,000 miles per year, call your insurance company and see if they provide a low-mileage discount. Liability insurance is required by law if you drive and is very important: Would you be able to pay out a $300,000 lawsuit if you injure someone in a car accident? Liability insurance is not a great place to skimp. Coverages for "uninsured motorists" (an uninsured or underinsured driver injures you or your passengers) and "medical payments" (you or your passengers are injured in an auto accident) are also worth having. They are less expensive than liability coverage and the irresponsibility of others is a major risk. Also consider whether your "collision" and "comprehensive" deductibles coverage is appropriate or necessary, especially if you have an older car or significant savings. Eliminating or reducing these types of coverage can reduce your insurance bill, but you'll be left on the hook to replace or repair your own car if you (or mother nature) damage it. Finally, when you see car insurance advertisements selling you "better car replacement" or "one model year newer" insurance, realize that this is a great deal for the insurer and not as great for their customers. Buying these policies mean that you're paying for a piece of a newer car every single month even though the odds of taking advantage of these policies are relatively low. Health / Vision / Dental InsuranceIn the U.S., some form of catastrophic health insurance is vital for nearly everyone, as a week in an intensive care unit is enough to bankrupt all but the wealthiest. However, consider your expected use of healthcare services. If you are young and healthy, you may not need to fork over the extra dough for a Gold plan with lots of coverage. See the wiki article on health insurance for more details. Life InsuranceRemember the principle of insurance? "Only insure what you couldn't afford to lose." If you have children or a spouse that would be unable to maintain their standard of living without your income, then you may need to insure your earning ability. That means you take out a term life insurance policy that pays your spouse and/or dependents in the event that you die and can no longer earn money to provide for them. However, if you don't have dependents or if your spouse can earn enough money on their own to provide for themselves, you might not need life insurance at all. It's also important for you to understand that there are two basic kinds of life insurance: term life insurance and permanent life insurance (like whole life or universal life). With term life insurance, you pay to cover your loved ones from the risk of your death. With whole life insurance, a portion of your cost goes to coverage, but it also has a cash value component that grows over time similar to an investment account. While there may be some exceptions for the very wealthy, term life insurance tends to be the best choice for the vast majority of individuals. Read our wiki article on life insurance for a deeper discussion. Homeowners / Renters InsuranceInsurance on your residence is important for almost everyone who owns or rents a home. Owning a house without insurance could be disastrous if it burnt down, because you likely have a mortgage on it and probably don't have $250k cash to replace it. However, it may be worth checking how large your deductible is. If it's only $1,500, you might be able to afford more than that in an emergency. If appropriate, you can increase your deductible to reduce your costs. Note that homeowners deductibles are per incident, though. See the wiki article on homeowners insurance for more details. Renters insurance policies also tend to be very cheap (roughly $15 per month for $30,000 of property coverage and $100,000 of liability coverage). Finally, make sure you have an up-to-date inventory of your property so any claims will be easier to make. An easy way to do this is taking a video on your phone as you walk through your home, naming everything as you walk through. Note the make and models of anything expensive like electronics. (Make an offsite or cloud copy of the video too!) Jewelry InsuranceMost single-issue insurance policies tend to be poor deals for consumers. Opinions vary on jewelry insurance, but the default assumption of most people is to carry insurance on an engagement ring is more a product of the jewelry marketing machine than actual need. A few factors make jewelry insurance less necessary than other types of insurance:
Another way to save moneyOne thing to consider when reviewing your coverage is that sometimes companies offer discounts for having multiple accounts with them (e.g., a multi-policy discount or "bundling"). When you call your insurance company, ask them about these discounts. For some insurers like USAA, you can even get a discount for adding non-insurance accounts like a savings account. A note on emergency fundsFollowing "How to handle $", an emergency fund of cash equal to 3 to 6 months' worth of routine expenses is recommended. If you have no collision coverage on your car and rely on it to get to work, and/or a very high deductible on your home insurance ($10k), seriously consider the size of your emergency fund, and whether it is enough to get you through a "double-whammy" such as job loss and a car accident at the same time. Notes on other types of insuranceThe bare minimum for most people is car insurance (if they drive), health insurance, term life insurance (if others depend on their income), and homeowners/renters insurance. However, there are several additional types of insurance that some people may want to consider. In particular:
Challenge success criteriaYou've successfully completed this challenge once you've done two or more of the following things:
Disclaimer: This post is a prompt to review your insurance coverage. Similar to the reddit user agreement, we take no responsibility for any decisions you make based on something you read on reddit. [link] [comments]  |
| Weekend Discussion and Victory Thread for the week of November 01, 2019 Posted: 01 Nov 2019 02:05 PM PDT If you need help, please check the PF Wiki to see if your question might be answered there.This thread is for personal finance questions, discussions, and sharing your success stories:
A big thank you to the many PFers who take time to answer other people's questions! [link] [comments]  |
| The best $12/month I ever spent Posted: 01 Nov 2019 12:16 PM PDT I'm a recent first time homeowner in a large city. When I started paying my water bill from the city I received what seemed like a predatory advertisement for insurance on my water line for an extra $12 each bill. At first I didn't pay because it seemed like when they offer you purchase protection at Best Buy, which is a total waste. Then after a couple years here I was talking to my neighbor about some work being done in the street in front of his house. He said his water line under the street was leaking and even though it's not in his house and he had no water damage, the city said he's responsible for it and it cost him $8000 to fix it because his homeowner's insurance doesn't cover it. I immediately signed up for that extra $12/month. Well guess what. Two years later I have that same problem. The old pipe under the street has broken and even though it has no effect on my property, I'm responsible. But because I have the insurance I won't have to pay anything at all! Just a quick note to my fellow city homeowners to let you know how important it is to have insurance on your water line and sewer. [link] [comments]  |
| Posted: 01 Nov 2019 12:27 AM PDT I used to work for a small company making $16hr for an 80hr pay period. I left that company for a large company that offers health care, 401k, union, and pays $26hr but after my 84hr pay period I bring home the same amount as before. I work twice as hard as the last job while on a rotating 12hr shift as apposed to my old M-F 8hr shift. When I check my paystubs, it shows I'm paying 40% taxes now when I only payed 16% before. I was so excited and tried so hard to get this job but now I'm stressing out. I've adjusted my W-4 like many web pages suggest I do but nothing seems to help. So, I've turned to Reddit for some help or clarity. Edit: My latest paystub (no personal info) [link] [comments]  |
| Posted: 01 Nov 2019 04:50 PM PDT Posted this a relationship advice but figured it would be better suited here. Early stages of dating a fantastic woman. She checks a lot of the boxes that I have been seeking. However she did tell me early on she has $100,000 of student loans. She seems very responsible and is not putting them on the back burner as if they don't exist. She graduated last year from school and started out making 70k, her top out is 120k. I however have no debt. Before I get too serious with her am I crazy for considering taking on potentially her hundred-thousand-dollar dead if this gets serious and we marry? I am looking at this debt similar to somebody with kids, it is a lot to take on. Some people say it seems like I have one foot out the door but I do not I simply want some legitimate competent conversations and what you would do. [link] [comments]  |
| Posted: 01 Nov 2019 09:02 AM PDT Over the past two years, I've been having stomach issues. Had three endoscopes, an esophageal manometry test (fun test where they stuck a tube down you're throat and make you drink water) and lots of bloodwork done. Approximately two months ago, I went to a new doctor in a large state hospital and she ordered a stool sample. I've had many laboratory tests done before, and they usually aren't that expensive, however when I received the claim I saw that I owe just under $800, as my insurance company denied my it for the reason below:
Naturally, I am pretty pissed. The insurer told me to contact my provider first to start an appeal with them, but my question is - assuming the appeal is denied by the insurance company, will I have to pay this? It seems pretty ridiculous to me that the hospital will order tests that insurance won't cover - especially since a stool sample is a pretty common test for stomach issues. I have started the appeal process within the hospital, but does anyone have experience with something similar to this? How did it turn out? Thanks for any and all replies! [link] [comments]  |
| Questions about Retirement Savings for single-income family with high AGI Posted: 01 Nov 2019 06:21 PM PDT This year I've started a full-time job after getting married and finishing my master's degree abroad. My yearly income is ~$150K, and my wife does not work. I've been budgeting and putting aside as much money for retirement and long-term savings as possible. I've already maxed out my 401K. Based on this, I don't believe I qualify for a deduction if I contribute to an IRA because my income is too high. However, based on this, since my wife has no employment or retirement plan, I believe I can get a $6,000 deduction by setting her up with a spousal IRA (note: my wife is not a US citizen, but has an SSN and we file a joint return). Do I have that right? For myself, since I can't get the tax deduction for contributing to my own IRA, would contributing to my Roth IRA be my next best option? [link] [comments]  |
| Posted: 01 Nov 2019 01:47 PM PDT A lot of people think that a mortgage is, what a mortgage is and that is simply not true. Just like you can competitively shop for contractors or cars. You can also do so on a mortgage. No, I am not talking about using something like Lending tree. I am talking about dealing directly with mortgage agents. The short of this is, due to my diligence and just a few emails -- I was not only able to get my APR down to 3.805 on a 30yr but I was also able to cut 3.5k dollars off my total to close. I am still paying more for the local banker than the internet based loan but it isn't buy much (like... 1000 bucks total) and now I have a local person to deal with. [link] [comments]  |
| I recently purchsed a used car from a friend and I'm having issues with the title. Posted: 01 Nov 2019 09:50 AM PDT My friend told me to apply for a lost title because the car has a lien holder on it. I'm not sure if thats the best course of action or if there is a better one. If anyone has any advices i would really appreciate it. Edit: Thanks for the responses guys. I really needed the help. It sucks knowing that one of my best friends of 12 years just screwed me over. [link] [comments]  |
| Posted: 01 Nov 2019 10:48 AM PDT Hi all, Longtime reader but first time posting. My car (which was paid off) was recently stolen and the insurance company just let me know that the settlement is going to be just over $17K in cash. I live in the city and I don't really need the car, so I wasn't planning on replacing it. Instead, I wanted to use it to get out of the crippling credit card debt I've been living with for 4-5 years. The accounts are broken down like this: Citi - $932 For some more background, I'm a 27F young professional that makes around $82K annually. I got into this debt from moving into the city and outspending my income. Now though, my living expenses are all very manageable and once this debt is gone, I'm living off cash — no more credit cards. But these credit card payments have been eating up around $700+ a month in payments and my credit score has taken a hit because of it — I'm at 581 right now and not proud of it. My question: is it advised to take that lump sum and just pay down all the debt I can? Is there anything I should be aware of before doing this? Any advice would be super helpful, as I feel like this is my one and only chance to get out of this debt in one fell swoop. THANK YOU THANK YOU [link] [comments]  |
| Posted: 01 Nov 2019 06:43 AM PDT Logged in today and my 360 accounts don't even show up. Got the following notice on the website.
EDIT: As of noon I have gotten notifications that my scheduled transfers from one Cap1 account to another have occurred, but logging in, instead of any of my accounts, all I can see is " You may not see all your account features right now, but we're working on it. Try again in a bit, or give us a call at (877) 383-4802. " I realize that technical problems occur, but between this and another unresolved error regarding incorrect balances showing in my account, they are dropping the ball a bit, and probably should have notified customers of the problem. Who knows how many people needed to access their money this morning and couldn't? Edit 2: 1 PM EST, things seem back to normal, at least for me (other than the same error that's been going on for weeks). I hope it's the same for everyone else. [link] [comments]  |
| elderly friend paid $20,000 for work not done yet. Posted: 01 Nov 2019 08:18 AM PDT I have a family friend who is in her 70's, and english is not her first language, she is Korean. She went to a cosmetic dentist to have her teeth replaced. The total cost was about 30k, 20k of which was charged to care credit which they helped her apply for. I believe she did sign paperwork agreeing to all of this. The only thing that has been done so far is xrays. She now does not want to go through with the procedure. I called the dentist and they agreed to refund the money, minus the cost of the xrays. It has been two weeks now, and the money is still being charged to the credit card. My friend also spoke with a korean lady who works at the dentist and she said that care credit wants to charge the dentist 3k to cancel the charge, which they will likely pass along to her. Is that something they can do? How long should it take to get the charge taken off the credit card? [link] [comments]  |
| Should I accept the promotion I just received at work? Or try to negotiate? Posted: 01 Nov 2019 02:54 PM PDT Hello all, Just received a promotion at work today (yay!); however, I'm slightly conflicted... I received a 7% raise effective today, but, I will now no longer be eligible for a salary review in 2020 now. Thus leaving me with this new rate until January 2021. My thought process now is that this is basically just a ~4-5% promotion since generally one would see a 2-3% yearly pay increase. Should I still accept this? Historically, my last promotion at a different company was 10% raise + 2% yearly adjustment, total 12%. I guess this is kinda of what I had imagined instead Thoughts? Thanks! [link] [comments]  |
| 22 years old, $52k+ in debt. Only making $37,700 a year. Posted: 01 Nov 2019 07:32 PM PDT I just graduated from university in may with more than $44k in student loan debt, not including the additional $65k or so under my moms name for parent plus loans. I also have $8k in credit card debt that has accrued after needing a new laptop and because I spent 5 months traveling this year and didn't realize how much I was spending. I just got a new job in NYC making $725 a week before taxes, the same cost as my rent each month. Currently the minimum payment on all my credit cards is around $250. I have to start making payments on my student loans within the next 3 months and right now my minimum payment for all my loans is going to be about $480 a month, and that's not including payment for another loan because they haven't disclosed the minimum payment amount to me yet. I didn't know my DOE loan had a minimum payment of $268 a month before I received a letter today, so I immediately went to their website to apply for an income driven repayment plan. Even with all this I'm feeling extremely overwhelmed and I've accepted that I will never pay my student loans off but I don't even know how I'm going to make the minimum payment each month. My degree is in criminal justice and I was planning to go to law school but I put it off. I also don't want to go to law school and add more debt to my name, and I don't think it would be possible to make enough money for my bills and go to school at the same time. Please please give me some advice. At this moment I'm truly regretting ever going to university and getting my degree. [link] [comments]  |
| Posted: 01 Nov 2019 05:27 PM PDT Not me, but a granddaughter got a payday loan. It has been sent to collections and the letter came to my house (where she used to live). (Yes Redditors, I opened it with her permission). I'm trying to get it paid off but the lawyer who sent the letter is not responsive. The letterhead phone numbers are either always busy or go to phonemail. I need options. [link] [comments]  |
| Dream job...but $10k pay cut. Is it worth it and how should I prepare? Posted: 01 Nov 2019 01:29 PM PDT I feel like there are a billion posts like this, but I need a new perspective, so here goes. Background- I currently make $80k at my job with amazing benefits (lots of vacation, retirement match, no copay on health insurance). But...I hate it. I dread coming in to work. It's just the pits. Additionally, I just bought my first house, a huge, beautiful fixer-upper. Mortgage/taxes/insurance will end up being $1,300/month. I also just took out $20k in 0% 2-yr financing to pay for HVAC installation. So it'll be $900 a month starting in January. I have enough saved up that I could pay for the first couple months out of pocket, but I am rushing to fix up the 3rd floor to get a tenant in to cover those payments and pad my finances a bit (I think I could get at least $1,000 a month out of the unit, hoping to get $1,200). Now here's the question. I have been casually applying for new jobs this year, and just got offered an amazing new opportunity. Exactly where I want to be moving in my career, exciting new responsibilities and prestige. I really clicked with the team I'd be working with too. But, it's at a nonprofit and their initial offer was $60k...$20k below what I make now. I told them how much I was making now and they bumped it up to $70k, saying it was the best they could do, but that salaries increase by at least 3% each year and we receive Xmas bonuses of 3-5%. I'm so tempted to take the job, but I am fucking terrified of taking this cut when my finances are so precarious. My question is - is my career happiness worth the added financial stress, and is there anything I can do with my situation to make the cut not hit me so hard? Is it dumb to try and still negotiate higher after they say "it's the best we can do?" Any advice would be greatly appreciated! [link] [comments]  |
| Thinking about quitting one of my jobs. Advice please. Posted: 01 Nov 2019 06:39 PM PDT As of right now I am currently working (mostly) at 2 jobs (I have a third but due to the others time there is limited). I am currently receiving 17/hr at one job and 16.35/hr at the other. I began both of then in March and thought it would be a good experience to try both and see which I preferred. I am currently working the lower paying job 32hrs/week and the other 36/week sometimes more. It was brought to my attention that the job that pays $17/hr would like me to be more available. This would come with a pay increase to roughly $20/hr and I would be doing roughly 8-10 hours per day of VERY light work. Would it be a good idea to quit the lower paying job and go for the other full time? [link] [comments]  |
| Roth IRA + interest earnings affect 6k limit? Posted: 01 Nov 2019 06:37 PM PDT I just opened a ROTH IRA account a week ago and did a 6k maximum deposit. I've invested that 6k to an index fund. Do any of the potential interest earnings technically make me over the limit? Thanks for the advice. [link] [comments]  |
| Posted: 01 Nov 2019 10:13 AM PDT What are your suggestions on diversity? Multiple ETF/Mutal funds? Just one? What works best [link] [comments]  |
| I'm struggling to survive at uni Posted: 01 Nov 2019 06:11 PM PDT I do realise nobody cares about my stupid life story, so I will try to make it as short as possible.My life is not exactly easy, I had to overcome and somehow survive lots of extremely difficult life situation including being homeless when I was barely 17 and had to run away from home (...) Because I had no roof over my head, I had to drop school and since my stepbrother wanted to kill me (because I reported my mother to the police when I discovered she faked my signature and withdrawn my saving I couldn't withdraw before I was 21). I moved to Hungary as it was cheaper to live there. I lived and worked there for 2 years, saved enough money and moved to the UK - to South Wales where I also managed to find a job pretty much very quickly without problems. After a year in the UK, I wanted to do complete my education and be able to find a qualified job and just have a normal quiet life one day, but no university would accept me except the Open University. I did two years there, managed to get very good grades even I was doing night shifts and since I never had a chance to study 'normally' I transferred credits to a brick university and this is where I got myself into troubles again. When I was accepted by 4 out of 5 universities I was so happy and excited, even that Cardiff wasn't one of them and I had to move. After lots of research and sleepless nights, I decided to move to Bangor as it's one of the best student-rated university in the UK. I couldn't wait to go there, but I couldn't be more wrong. As I lived in the UK on the 1st of Septemeber only 2 years and 50 weeks, I can't get maintenance loan like others, because it would have to be 3 years and although I expected it won't be easy to find a job here, it's basically impossible even in cities 30 miles around. I'm running critically out of money now, the money support couldn't care less until somebody from the SU was there with me and all I can get is a bursary for poor students in March, but I won't survive until than. I'm waking up every day from 6 am to check if somebody replied to one of my 100's job application and still nothing and I tried basically everything around. Although I was expecting it will be challenging but still enjoyable and fun, I end up in a huge class where I have no chance to get to know somebody (because it's the second year), out of money on no food days, unable to give it up and moved to a bigger city and left on mercy of financial how long they will be willing to wait with my rental payment. What could but wouldn't work
Thank you. [link] [comments]  |
| Payoff my car or continue payments? Posted: 01 Nov 2019 06:11 PM PDT I have $7200 left on a high interest car loan, been paying $275/mo since 2016. I have enough savings to pay it off in full, but if I did, I'd have zero dollars to my name. Long term, would it be smart to pay it off all at once now or at a higher increment? I make 50k a year. Thanks for any advice and feedback. [link] [comments]  |
| Posted: 01 Nov 2019 08:08 PM PDT Somebody used my card to purchase a bunch of ramdom things. I called my bank and everything is okay on that end now, but we received some of the stuff they bought in the mail. This seems really weird to me and has me a little worried. Can anybody provide some insight? Thanks! [link] [comments]  |
| How do you pick umbrella insurance? Posted: 01 Nov 2019 08:02 PM PDT For people who have signed up for umbrella insurance, how did you know the policy and underwriter was good enough? I'm currently in the process of trying to get umbrella insurance and find it hard to assess the policy/underwriter I've been offered. One of the policies is underwritten by Hudson Insurance Group. The policy seems to cover what I need at a reasonable price and Hudson Insurance Group is rated an A by AM best. But before this, I haven't heard of Hudson. If the policy and price look good, should the main concern just be the financial rating of the underwriter? Thanks for any help! [link] [comments]  |
| Close to purchasing a home, having butterflies in stomach, did we overbuy? Posted: 01 Nov 2019 11:08 AM PDT Background: My wife and I (29 M/F) make ~80K each so 160K annually. Our NW is 307K split between 130K cash and 177K retirement. We also have a unofficial 50K physical cash and no debt. Currently we live in a 600 sq. ft apartment and tired how small it is, how it's not ours, can't decorate, etc. paying 1600$/ mo. It smells when it rains due to the basement underneath which used to be a laundromat, etc. There are mold, minor leaks, etc. and feel like our quality of life is low. Then again if we rented a "nice" apartment it would be 2200$/mo. + other fees. We spent months house searching and found the perfect one for 380K. We put down 20% down payment (76K), and closing costs looks to be about 5K and prepaid costs 4K. Total ~ 86K It just feels like A LOT of money going at once and we're not used to spending so much. We don't go out and stay indoors really except for food shopping. How do we change our mindset about this? [link] [comments]  |
| Boss is fronting me to move - who should check be made out to? Posted: 01 Nov 2019 05:39 PM PDT So my work is fronting me to move as my daily commute is 5hrs 5x a week. 4K is being given to me now that I've been approved etc but I'm not sure if check should be written out to me or the company? My boss brought that up. Is there a tax implication or something hidden I don't know? It's my first career job and still learning to adult. Any help is greatly appreciated. Hope I used the right flair. [link] [comments]  |
| Posted: 01 Nov 2019 07:51 PM PDT Tenant paid a small portion of her rent via Zelle ($80) because of limits on Venmo weekly transfers or something. I got the zelle text that she'd paid me and to set up an account, but clicking the link auto-directs me to link my bank. So I click my bank (navy fed) which takes me to the navy fed app, which says I'm now connected to zelle. Great, except where's the $80? The text has no redemption link or code (just the sign up link), the bank app shows no pending or past zelle deposits, and the zelle site/app have no support for this question. Help! [link] [comments]  |
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