Personal Finance Doctor's office "couldn't find bill in system" when I tried to pay and said nothing was due. The next week they sent the bill to collections. |
- Doctor's office "couldn't find bill in system" when I tried to pay and said nothing was due. The next week they sent the bill to collections.
- Wife was informed that she's the beneficiary of an annuity from a deceased neighbor. What should we know going into this?
- Cash offer for home — what is the scam?
- Credit Karma Savings Issues, Advice Needed - Beware
- 56 y.o. mom doesn't have retirement fund or investments
- It's That Time Of Year: "SKALP" Offers Are Here...
- Run the numbers before letting sensationalism make your decisions for you!
- How much should I be spending each month on my student loans?
- Fired w/ 4 weeks severance. Applying for unemployment. Wife in school full time. 3 young kids. Help.
- Can I still file my tax returns if I can't get access to my 1099 Form?
- Buying a House with Parents Help
- I recently became homeless and have been loving off my credit cards. Would it be best to take out a loan to pay them off?
- Roth vs traditional 401k
- Are there any ETFs that would act similar to a savings account?
- Protecting your current salary info from future employers.
- Filing tax return from 2017
- Walmart Money Card question
- Bills from surgery have gone to collections. Hospital is not willing to work out a payment plan. Need advice. Don’t want to hurt credit.
- Please help my understand my 401k portfolio
- Debt Collections, I Have No Debt
- Willing rolling old 401ks into Trad IRA affect my ability to do a backdoor Roth conversion?
- Guidance on budgeting and new debt
- HELP! Need advice for open enrollment!
| Posted: 05 Nov 2019 09:23 AM PST My pediatrician's office does not have any kind of online bill pay. All bills need to be paid in person at the office or by mailing them a paper check. This is annoying but normally fine. How it usually goes is when I bring my children to the doctor, I check in, they inform me of any outstanding balance and I square up with them. I have multiple kids so I find myself there fairly often. I have very good health insurance; my office visits rarely exceed $25 - $30. Also my finances are all very good. I have no credit card debt, maxed out 401k, household income of $250k+, etc. (So a $30 doctor bill isn't exactly a struggle...) I would love to just pay for the visit on the day of service, but because of co-insurance I can't. I need to wait for insurance to calculate it and pay out, then I need to pay the portion that I owe. At one of visits a couple months ago, we went to pay our balance like we always do and they said there weren't any. This was strange because there were definitely a few visits we didn't pay for yet. We figured the bills hadn't "hit" yet even thought they definitely should have been paid and returned by the insurance company by now. Then at a visit just last week, my wife wisely brought the physical bills that we knew hadn't been paid to the office with her (because it had now been several months). She presented the bills to the billing clerk who looked them up and again didn't see any records of us owing any money. We checked under all the children's names too. Nothing. The clerk said that perhaps her husband (me) must have paid them. My wife called me to check. I did not. The clerk said "well there's nothing due. Great news I guess! You came here expecting to pay $91 and now you pay $0!". That was last week. Today I get a letter from a collections agency saying that those 4 bills (which add up to 91 measly friggin' dollars) have been sent to them and they are now demanding payment. We called the doctor's office who, in a cavalier tone, said "oh you should just pay the collections agency then". I told them I don't care about the 91 damn dollars. I care about my credit rating and that, no I don't want to pay a f++ing collections agency. Take the money that you should have taken the first time. They said that "if they take the money directly, they would need to pull back the debt, wait for it to post. Then we could pay, wait for that to post, etc." And that "the only way to guarantee it won't appear on a credit report is to just pay the collections agency in full immediately". So I called the Collections Agency. The woman said that they haven't reported it yet and that since we are paying the bill immediately after receiving their notice they aren't going to report it. And that they don't really care about reporting it; they just want their money. If we pay them the 91 bucks, we're all good and they're done with us and they won't report it. I asked to speak with a manager who confirmed this. She swore up and down that "it hasn't been reported and it will NOT be reported if we just pay it in full". So I gave them the 91 bucks. She said she'd mail us a receipt immediately and I wrote down the confirmation number. Do you think I'm OK here? One thing I think I have going for me is that the bills aren't in my name. They are made out to "Parent or Guardian of <CHILD NAME>". Obviously yes that's me, but that hurdle might be enough to kink up the reporting process if some automated computer script has already been put into motion. TL;DR: Kid's doc has no billpay so I usually just pay the outstanding balance before each visit. They said no balance due... weird because I was holding 4 unpaid bills totaling $91. Then the doctor sent those 4 bills to a collections agency. Collections said "it hasn't been reported to credit bureau and won't be if you pay us now". So I did. What's the chance that it's going to show up on my credit report? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 04 Nov 2019 11:03 PM PST As a child, my wife's family lived next door to a couple that had no children, but loved having the neighborhood children over all the time. They were like grandparents to many of the neighborhood kids. They both passed away over the last few years, in their mid 90's, him first then her this spring. My wife chose some specific mementos from the estate, but did not expect any financial inheritance. We received a call today from the executor of the estate that there is an annuity with my wife listed as the beneficiary, and gave us some contact info for the insurance person to speak with. The executor doesn't know the amount or any of the details, but seemed to think that it's a straightforward process where we contact the insurance guy and he'll have us fill out some paperwork and cut a check. Is there anything else we should know going into this process? Does anyone know what a typical value range for such an annuity might be? Thanks! Edit: Just spoke with the insurance guy. It seems that the annuity was created with $5000 initially, but has grown through the years to $23k+. He indicated that the growth will be taxed as income, and we'll get a 1099 at the end of the year for that. The only option he has is to disburse a lump sum, since in the policy only a spouse can continue the payments, but since we're in-state he'd be happy to work with me if we're interested in buying a new product. The only snag is that my wife's last name changed when we married, and is no longer the same as what's listed. He's looking into that and will then get us the forms to fill out. Overall, seems pretty straightforward. I appreciate all of your responses, and now know a lot more about annuities than I did yesterday. Edit 2: Seems that we'll just need to send in a copy of our marriage license along with the claim form. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash offer for home — what is the scam? Posted: 05 Nov 2019 08:36 AM PST I usually ignore unknown numbers but I was expecting a call from a doctor and this one looked right. Instead, the person on the other end asked if I was (correct name) who owns a house at (rental property address). Here is more or less hw the conversation went: Me: How can I help you? Them: I'm calling to see if you would be interested in selling your house for cash. I'm representing a private investor. Me: Sure, if the price is right, I guess. (At this point I was sure this was going no where but was interested in seeing what the offer is). Them: Great! Can you tell me a little about your home? How many bedrooms and baths? Me: Well, as you can see from the data online, because you have the address, it has 4 br and 2.5 bath. Them: And what is the condition? Me: We recently remodeled and put on a new roof.... Them: So excellent condition? Me: Yep. Them: Ok and your title is clear? Me: Yep. Them: Ok so why are you interested in selling? Me: I am not. But you called and if you make a good enough offer I will sell. Them: Ok, well what price do you have in mind? Me: You need to make me an offer. I'm not going to set a ceiling here. (We went back and forth on this for a while and then she indicated another department needed to call me). Them: Ok can you tell me who is living in the house (this is the first time I was asked anything that wasn't public)? Me: No. I'm not going to disclose that. Them: Can you tell me if it is occupied by you, other family or renters? Me: I am not comfortable telling you that. Them: Ok (she repeated a bunch of info including my address and phone number), someone from our offer department will be in touch. My assumption was the scam here was they were going to lowball me and offer $150,000 on a house worth $275,000. Maybe they would fuck up and offer $350,000 though. All the info they had was public, so I wasn't worried until they asked about who lived there. The Zillow link still shows the old listing with info about recent remodels and photos even. So now I regret just not hanging up on her. Am I right? Is the lowball the scam or is there more here? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Credit Karma Savings Issues, Advice Needed - Beware Posted: 05 Nov 2019 06:35 AM PST I recently opened a Credit Karma high yield savings account and transferred funds from Goldman Sach's Marcus. I wasn't happy with Goldman's lack of a mobile app, and also do tax preparation and other business with Credit Karma - who does have an app. After the funds transferred out, I closed the Marcus account out of an abundance of caution since it was tied to my day to day bank account at PNC. Here's where the problems begin. Turns out, Credit Karma only allows you to link one account at the time of sign up, and you can never change it. There is literally no option to change the linked account whatsoever in their account settings. When you sign up, you are not informed of this. I opened a support case with Credit Karma as they have no phone number support whatsoever. I've never needed to use their support in the past, and did not know they could not be reached by phone. They sent me this link regarding the policy. I informed them that the originating account has been closed, which fundamentally means the money in the Credit Karma savings account is locked to it, and I cannot transfer any money out or in. I requested that they manually change it to my PNC account ASAP. That was five days ago, and all they asked for was the last 4 of my SSN, which I provided promptly. I have since followed up twice and received no response. What should I do next? Is there a way to get PNC to help me? Is there a Credit Karma phone number? I'm really not sure what is going on over there, but I will be cancelling my account the moment I get my bank account linked and transfer all funds out of the savings account. Beware. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 56 y.o. mom doesn't have retirement fund or investments Posted: 05 Nov 2019 06:27 PM PST Hi, this is my first post here. I (22f) live with my mom (56). My mom is a single mom who has always lived paycheck to paycheck. I pitch in with bills and we get by. We don't have debt, a mortgage (my mom paid it off last year), or car payments. My mom works for the county and we have good health insurance although the premium has tripled in the past few years. Because my mom could not afford to set aside any of her paycheck into an investment fund of any sort, she doesn't have a retirement fund to my knowledge. We are naive about these kinds of things. I do not know if she has a pension. She's been full time at her job since 2001. I really don't know much about social security, so I have no idea how to gauge the amount of income my mom will have when the time comes to stop working. She has some health issues (musculoskeletal) and has had numerous surgeries related to strain from the job. If this gets worse, she could lose her job if a workers comp doctor doesn't clear her to return to work after another potential surgery. What should we know & what should we look into? I'm doing my best to set a career path that will allow me to take care of my mom financially, but I can't count on that alone. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| It's That Time Of Year: "SKALP" Offers Are Here... Posted: 05 Nov 2019 06:23 PM PST In the guise of "being nice" to you as a customer, banking institutions, among others, offer customers a chance to skip a loan payment. They aren't doing you any favors. My auto loan is $212. The fee to accept this offer is $35, or 17%:
Banks are NEVER doing you a favor. Ever. These offers are very lucrative for them, not you. It may also affect your insurance coverage and your overall payment history. It might even affect your credit rating if it's incorrectly reported. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Run the numbers before letting sensationalism make your decisions for you! Posted: 05 Nov 2019 09:14 AM PST Our rent just went up by 8%. Since moving here three years ago, it has gone up by a total of 17.8%. Sick of seeing our money going down the tubes, but unable to buy a house, we started looking for other places to live. We found only a handful that were cheaper, and all of them were worse in some ways, and better in others. No matter what, though, we'd be looking at several thousands of dollars to move, which would take around 1.25 years to make back the difference in savings from lower rent. So, I did what any of you would have done... I started a spreadsheet. What information can be gleaned from this? Several things. First of all, our rent rate increase has not kept up with our increase of income year-over-year. In fact, it has only almost kept up by half. Secondly, our percentage of income increase has surpassed our area median percentage of increase year-over-year. Third, our real dollar amount difference in income-to-rent is doing well. Lastly, our income is rising in a pretty healthy fashion. Our lifestyle expenses are also decreasing year-over-year, despite involving our kiddo in more after-school activities, and other increases. It's all about prioritization. At our current rate, and considering some things we're working on in our professional lives, we could finally reach median income by 2021 or 2022. And this is just tracking the last three years, which is how long we've been at this same apartment. If we were to go back to 2012 when we really started hitting this hard, we'd see some huge numbers. I just really wanted to share this, because sometimes numbers can have pretty negative impacts on our thought processes. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| How much should I be spending each month on my student loans? Posted: 05 Nov 2019 01:09 PM PST I graduated from college last spring with about $130k in student loan debt. It's a private loan, but I was able to get it refinanced so the interest rate is 4% now. The monthly minimum payment is about $960. I take home about $7,600 per month after maxing out my 401(k). In addition to this, I also receive annual bonuses which can be high enough to make a dent in the loan (>$25k). I'm currently single and live with just one roommate paying about $1,700 per month in rent. It is also likely that my income will increase in the next few years. Given my income, I can easily "afford" to pay up to $3k/month on the loan and then another $10k or so yearly when I get my bonus. I'm wondering if I need to be this aggressive in paying off the debt. I don't want to wait the entire 15 years to pay off the loan, and I like the idea of attacking it with a yearly lump sum from my bonus especially since I don't use my bonuses to budget at all. That being said, I don't feel that putting $3k/month towards the loan makes the most sense because I have other financial goals -- namely saving for retirement and saving for vacations -- that I want to pursue. I'm willing to pay more than the minimum each month, but I'm not sure exactly how much makes sense. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Fired w/ 4 weeks severance. Applying for unemployment. Wife in school full time. 3 young kids. Help. Posted: 05 Nov 2019 12:57 PM PST I can provide more detail if necessary. Had a stable job with great pay and ok-ish benefits. Fired last week for "performance." In the process now of applying for unemployment. Also applied for several new gigs already, plus the standard compliment of ZipRecruiter/LinkedIn quick-apply postings. I can freelance to bring in some cash in the meantime. Already making calls to cancel services and scale back our already low monthly spending. Any advice or things I'm forgetting to do? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Can I still file my tax returns if I can't get access to my 1099 Form? Posted: 05 Nov 2019 06:51 PM PST I am trying to file my taxes from 2016 and 2017 in order to get my tax refund. During those years, I worked for 2 companies. One company as an employee and another as an independent contractor (Postmates). In total I earned less than $12,000 both years, so I should be entitled to the taxes that were withheld from my paycheck at the 1st company (not Postmates). The problem is, Postmates will not re-send my 1099 Forms. I have tried contacting them in every way imaginable. The only response I get is that 1099 Forms were mailed to me during the relevant years. Stupidly, I did not hold on to those forms. Does the 1099 form even matter? Since the source of the refund (the money that was withheld from my paycheck) came from the other company and not Postmates? What would happen if I just filed my taxes without the 1099? Any help is greatly appreciated! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Buying a House with Parents Help Posted: 05 Nov 2019 04:06 PM PST I'm looking to move out of my parents house soon. I'm 24 and making $3,800/month after tax and 401k contribution. By the time I'm ready to move out in the spring, I should have about: -$20k in a HYSA (not counting $10k emergency fund) -Maxed out Roth IRA (for this year) -Roughly $15,000 in my 401k (8% me, 4% employer) -No debt My entire plan until a few days ago was to to rent, but rent is high in my area and due to where my work is located, the commute is long if you don't live nearby due to traffic. Most apartments around here are $1,300-$1,400 per month. My parents just told that they would be willing to pay the rest of the down-payment to get me to 20% on a house in the $150,000-$250,000 range, as well as helping with some of the extra associated costs. From some cursory searches that would put most mortgage payments for me between $1,100-$1,500 a month. I'd be stupid not to take that right? It's a huge gift that is hard to say no to. Even if it means more responsibility with a house plus preferential treatment towards them lol. I tried to run the numbers more but I'm horrible with math, sorry. Compared to renting it seems to make sense... Could anyone share their thoughts/opinions? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Nov 2019 07:50 PM PST Hello! Thank you in advance for your advice. As my title states I recently became homeless and am working myself back up to normal status. I have been living in my car and air bnbs when I can until I can find a job and a place to stay. But Ive been living off my credit card. So far I have about $7,500 in debt at about 26%apr (~$180/m) I have pretty good credit (720) and can get a $10,000 loan at 20% ~$(360/m). This will help me secure an apartment and pay off my credit cards while I find a job. So far I have found 2 full time positions at $13 an hour and 2 places to stay at ~$1100 a month. My question, would it be beneficial to take that loan, pay off my debts and have a place despite it being higher monthly payments or should I wait until I have a savings enough to be more secure. Obviously, I'm not the greatest with long term finances and I'm hoping someone can help me make a more financially sound decision. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Nov 2019 05:44 PM PST Weighing the benefits of a traditional vs Roth 401k. Trying to max my new employer contribution - I contribute 6% of my income and they'll contribute 7% up to that max 6% contribution. Previously I was doing a 5/5% split into the R/T 401ks, but want to maximize the employer contribution. I'm in a high tax bracket right now and imagine going up again in the next 30 years which is why I was deferring the tax and leaning towards roth, but I'm under the impression employer contributions cant go into it. Looking for a sounding board/ideas on how to maximize my 401k and minimize taxes both current and future. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Are there any ETFs that would act similar to a savings account? Posted: 05 Nov 2019 08:24 AM PST Every now and then I have cash in my brokerage account that I don't immediately want to invest in risky assets. Is there any ETF like security that I can use to get a steady interest rate, similar to if I put the money in a savings account? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Protecting your current salary info from future employers. Posted: 05 Nov 2019 11:23 AM PST Saw an article recently on why you should avoid letting people (especially future employers) know your current salary. Basically, when your current salary is out there, it'll get used as a baseline for your next job offer if/when you switch companies. That can really screw you over in salary negotiation. The problem is that if you're job hunting, you get asked for your current salary a lot. Any advice for dealing with this question? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Nov 2019 06:44 PM PST I didn't file my tax return in 2017. Can I still file it? What would happen if I did? I did do 2018. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Nov 2019 03:43 PM PST tl;dr I shredded my walmart money card without realizing it has a monthly fee. On top of that I forgot my login info and can't even look into the account. Am I screwed? Ok, so I got one of those Walmart money cards as a gift a long while back, just remembered I had it and used it for a date night with my girlfriend. I assumed this was one of those visa giftcards (which I've never received before) but it seems like it was a bit more than that and actually a full blown bank account thing. I definitely should have looked into it and read the fine print, but I didn't think about it. So I made the account quickly, and used it and forgot about it. When I was done with it, I just cut it up and threw it away. Weirdly enough they sent me another one in the mail. That made me look into it and realize it was a bit more than one of those gift cards and it has a $5 monthly payment. Now to the issue. I don't remember the login and password I used. When I try and do "forgot password" it asks me for my social and the number on the card I have activated. The issue with that is that I shredded it and threw it away. Now I'm finding people online saying it's cool to just shred them and toss them when you're done, but I can't find the exact answer I'm looking for. I'm worried it's just going to keep accruing debt from this monthly fee down the line or possibly negatively affect my credit score. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Posted: 05 Nov 2019 03:41 PM PST Medical Debt I had a surgery earlier this year and have been making payments on what I thought was the debt. Turns out it was just the anesthesiology company. My debt with the hospital has gone into collections. I'm too broke to pay the full amount in the next 60 days which is what the hospital is telling me is my only option. Is I make a partial payment with collections will my credit be hurt? Because this has gone into collections, will this be very bad for my credit? What should I do? Get a credit card to pay off the hospital debt flat out? They are not willing to work with me at all on a payment plan and I legitimately have $40 in my checking right now. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Please help my understand my 401k portfolio Posted: 05 Nov 2019 02:35 PM PST 27 year old trying to understand my retirement fund. I've had my 401k for about 4 yrs now and I feel like I'm trying to learn this stuff too late already. Based on my readings from this sub, this is what I've "learned" so far. Please let me know if I'm getting anything wrong.
Currently, my 401k is in a target fund T ROWE PRICE RETIRE 2055 - 0.40% with about 40k. The current breakdown showed as: 85.6% Stocks, 11% Bonds, 0.6% Stable Value, 2.8% Other The funds available are as follows:
My questions:
I don't mind satying where I'm at now if there's nothing else better, but I do wanna make sure I'm not missing out on anything. When I first started my auntie swore about me starting with a ROTH 401k instead of Pretax. I didn't understand then, but I understand (better but not completely) now and I've switched to Pretax immediately. I would appreciate any advice! [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Debt Collections, I Have No Debt Posted: 05 Nov 2019 05:41 PM PST I have gotten an increasing number of calls the past few weeks from "Debt Collections Bureau". I never answer the phone, as a general rule anyway. Sometimes they leave voicemail, sometimes not, sometimes threatening, sometimes not. They don't state the purpose of the call. They have never said my name. One time, they addressed a similar name: think Joe Schmo instead of John Schmo. During that particular voicemail, they also rattled off a "case number" and gave me "two hours to call back before taking legal action", and said that "this message is considered notification that I have been made aware of the legal action taken against me" (paraphrasing). This last one made me suspicious that I became a victim of identity theft, so I check my credit report, and saw nothing unusual. All my loans (student, car, mortgage) were there, paid in full month after month as always. No late payments, no fraudulent activity. My child has had medical issues for the past couple years, but I have very carefully paid them off in full. I tracked payments in the online system until $0 balance for everything. I had a parking ticket from a city I lived in over 10 years ago, arrived at my current address. I never knew I had it, but I couldn't prove otherwise. I went to the city website (legit, double checked it) and paid it, called the city office to double check, and received payment confirmation via email. I have a totally clear legal record. I maintain (low level) security clearance for my work, so no bounced checks or unpaid fines or whatever. Guys, I can't understand what debt I could possibly have, but I have read horror stories about innocent people getting baited into saying something incriminating, so I am too afraid to talk to these people over the phone. The information I've read on here so far seems to pertain to either identity theft or to legitimate debts. What do I do here? Edit: the consensus here is it's a scam. I turned my voicemail off for the time being so maybe that will deter calls. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Willing rolling old 401ks into Trad IRA affect my ability to do a backdoor Roth conversion? Posted: 05 Nov 2019 12:28 PM PST Background- I have three 401ks from old employers. I brokerage through vanguard and have a roth ira which I usually max out. This year I increased earnings and cannot contribute to the Roth due to income limits. I want to consolidate my old 401ks and hear that rolling them into trad IRA is a good way to do that. Everything is pretax contributions. My only worry is that this might prevent me from contributing to my Roth IRA via backdoor conversion later this year. Any advice for this circumstance? [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Guidance on budgeting and new debt Posted: 05 Nov 2019 07:14 PM PST Not sure if this goes here and submitting as anonymous. I make $45300 a year (just got a raise) Spouse makes $36500 a year (due for raise for about 6 months; they just moved payroll to a third party so not sure when it'll happen) I have in debt: Student Loan $3500 / paying $75 a month; using refunds for tax season for this Credit Card 1 / $100 Credit Card 2 / $100 Spouse debt: Car Payment $13000 / $370 a month / 3 years left... Credit Card / $100 Credit Card / $1600 // paying $300 a month Student Loan $8000 / paying $60 a month; using refunds for tax season for this Credit cards are paid off every month (with those numbers above). We have bills that amount to about $2900 a month but I pay all bills with my check (I only get paid once a month) and that account doesn't get touched. Spouses checks go to a shared account where we can both purchase gas/groceries/etc. We save about $1000 a month. My current issue is that I drive around 150 miles a day for work, round trip. My spouses current car is really bad gas so we are spending about $70 to $90 a week on gas and I have actually been having to take a lot of time off from work to be convenient for my spouse and our children schedules. I have not been on work on time since we started sharing a car (I was rear ended 2 months ago and the car deemed a total loss) and I have had to start leaving work early to get every body on time without it causing us to pay more for that extra childcare. I feel like this can't continue anymore; it's starting to take a toll on my employment. I don't feel like I am all there because my day starts off so late. I feel like if I had my own car, it would be easier, especially if I need my spouse to pick up the children before 6pm, so I could work a little extra late (because if I leave any time after 5pm, it takes 1.5 hours to get home instead of 45 minutes if I had left at 4pm). My credit is ok. Since I just paid off a small collection I had plus 2 credit cards in one month, my credit went from 626 to 740. So not sure what kind of interest rate I would get. Is buying a new car worth it? I wanted to get a hybrid car and I can afford a car payment with our bills, since we are saving $800 a month. It would just knock down that monthly saving amount from $800 to maybe $200 (to include the car payment and insurance increase). Not sure if it's worth it right now. I would like some advice. [link] [comments]  | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| HELP! Need advice for open enrollment! Posted: 05 Nov 2019 07:10 PM PST HELP! We only have a couple of days left to make our selection for insurance and can't decide! Wife and I thought we had a decision on which insurance to go with for open enrollment, but now we're not sure. Can you give us an idea as to which would serve us better? We recently had a baby, of which most office visits are preventative, so we don't have to pay much out of pocket for her care. We're not planning on getting pregnant again soon, so we're not anticipating any inpatient admissions. We also have AFLAC inpatient coverage, so we get paid in the event of an admission (helpful during the pregnancy - covered most of out out of pocket expenses for the delivery). We have two options for our insurance choice. We currently have the "Core" plan, which is a traditional plan. Work added the HDHP plan recently, which we initially were not considering, but we've run the options and are kinda leaning that way now. If we go the HDHP route, we plan to take the ~$100/pp we'd save compared with the Core plan premium, and make that as a contribution to the HSA - would leave us with approx $4,600 in the HSA at the end of the year. Last year my wife had her pregnancy, which was all covered as a global charge (all one charge for office visits and delivery). Other than that, she didn't have any non-preventative visits. I had 3 urgent care visits, 5-6 office visits, and an ED visit for bronchitis/asthma - this is where I worry about having an HDHP.
Any advice would be GREATLY appreciated! [link] [comments]  |
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