Personal Finance My mom wants to claim me as a dependent on her taxes even though I’m not one. What are the ramifications? How can I stop her? |
- My mom wants to claim me as a dependent on her taxes even though I’m not one. What are the ramifications? How can I stop her?
- In HUGE amounts of student debt- feeling despair and seeking advice.
- I messed up (Car loan 20.61%)
- Just got my credit score.. now what?
- How much does an immediate annuity need to pay out annually for it to actually be a good deal (for a 68 year old woman).
- Rocket Mortgage pulled my credit, now locked me out of my account due to a "typo" in my SSN
- Multiple fraudulent Cash App charges from by bank account, I'm devastated. What do I do? (US)
- Older sister deep in debt and asks for bottle deposits
- MIL is asking me financial questions.
- Starting over from $0, what are some best practices going forward?
- Getting quotes for car insurance and prices vary by over $100 for exact same coverages. Why and how is this?
- Contributed max into Roth IRA - now above income ceiling.. how to avoid penalty?
- What's a good amount to keep in HSA Account?
- 800+ credit rating?
- Does 'Too many inquiries' denial reason apply to soft inquiries?
- 23 years old, tips on my pension and investment strategy. Hoping to retire at 43! Is this realistic?
- Reported to Collections. My healthy insurance insists it's negotiating with Provider and that I don't owe money. Help.
- How much is too much when asking for a raise? (Unique Situation)
- Leased a new car, credit score tanked. Why?
- How to practice budgeting while I'm still living with my parents
- Ally Bank Savings or Local Credit Union Savings?
- 30(m) just received inheritance check , no debt, limited credit what do i do?
- "hide" financial aid money LEGALLY
- Best resolution to unpaid 2015 tax -- doubled by fees?
- Can you take out a US loan to consolidate foreign (Canadian) student loan debt?
| Posted: 03 Nov 2019 10:47 AM PST I lived with my mom until I was 18, and then I moved to go to college 800 miles away from her. Since about my second semester, I have received no financial support from her. She is unemployed. I used her income to fill out my FAFSA all four years. I am now 22 and have my degree. My mom claims that since I graduated this year and that since I used her on my FAFSA that I still count as a dependent and need to have her claim me as one on her taxes this year. Well, the thing is, I now currently have a high-paying job and she is buried in another round of financial troubles. She has taken money from me before, and has claimed me for the last four years as a dependent and I have never received a tax return even though I did also have a less well paying job the last two years of college. I didn't really care then, but I do now. She's a narcissist with horrible money management and I fear she intends to use me again to get out of her newest string of financial issues now that my grandma has kicked her out of the house for being awful. I've brought this up to her and she's calling me ridiculous and saying it's illegal to claim myself because of FAFSA, and also that i'll "get more back if i go through her." (I'll probably never see that money, she'll talk her way out of getting it to me as if it were an olympic sport) Is this true? What should I do? I'm so tired of having anything of mine tied to her at all. I try to be financially savvy and have 8% of my income going to 401k and another 20% of post tax going to savings, but I still have loans to pay off and every penny counts. edit: you guys rock, thank you!!! edit 2: i am a woman edit 3:to all those PMing me about mental health support and my mom, i promise you i'm fine! and for all of you PMing me being creepy, please stop. [link] [comments]  |
| In HUGE amounts of student debt- feeling despair and seeking advice. Posted: 03 Nov 2019 09:23 AM PST I've cried enough and thus there are no more tears. I'm in a extremely terrible financial position. My story is long but I'll keep it succinct to keep this post readable. I studied for years to get into a medical health professional school (won't disclose which). During my last year I was arrested and put on deferred probation. The state board refused to let me do my fourth year and thus I was kicked out of the program due to the charge. This is all years ago and spilt milk by now. No, I cannot go back into the program. It's USELESS now. Now I'm in HUGE amounts of debt considering it was a private school. Here are my loans that I owe: Grand total of: $202,698.02 as of 11/03/2019 Breakdown of loans:
Other debt: Besides this, I owe approximately $3,000 in medical debt. Facts about me:
Things I've thought about:
Things I want you to know:
Thanks for taking the time out of your day guys, I appreciate the support. It means a lot. Edit: I'm extremely grateful for all of the help and support; you guys are absolutely amazing. Sorry for the late reply, ran out of data, but I'm back and am going through the comments right now! Edit: Going to resume replying to comments tomorrow. Trying to get through as many as I possibly can. [link] [comments]  |
| Posted: 03 Nov 2019 11:57 AM PST Little background information: I am 18 years old and work 40 hours a week at 15 dollars an hour. I graduated high school a few months ago and am taking a gap year because I'm really not sure what to do in life yet. My take home pay monthly is $2000. I live with my parents currently, expenses monthly are 622 (more on this later). I was driven a paid off car for a while until it had its last break down and it was toast. Would have cost more to repair it than the car is worth. I work six days a week and I needed a car. I had essentially no credit (new credit) and my parents would not co-sign on a loan. Long story short: went and got a car for $9,000 and got talked into getting extended warranty which added an additional $3000. After all the dealership fees and taxes and whatnot the total cost of the vehicle was $14,000. I put a down payment of $3000 and so I owe $11,000 on the loan. The APR is 20.61%. Length of the loan is 72 months I wasn't thinking much about anything besides having to get to work and I didn't know whether or not I could get a better APR with my credit. I know I'm dumb. I need to pay off this loan as fast as possible. My current plan is to pick up a second job and work around 60 hours a week, and hoping to be able to put $2,000 a month towards the car loan. My expenses: $262 car payment $278 car insurance $90 phone bill $100 gas $120ish grocerie $480 towards savings a month as well. My current plan is to keep $1200 in savings for an emergency, and use the 480 I normally would put into savings towards the car. Plus an additional 400 per month. Total car payments would be 880+262= $1142 towards the car. That would be working my one job. Should I pick up a second job part time and try and make around 900 after tax so I can put 2,000 towards the car a month? I'm sorry if this post is all over the place. I'm just confused and honestly a little scared and I feel like I've set myself back a few years by making this stupid mistake. I'm just looking for advice. [link] [comments]  |
| Just got my credit score.. now what? Posted: 03 Nov 2019 03:10 PM PST Moved to the states 6 months ago, and finally got my credit score (~750). Currently use debit and secure credit cards. I'm trying to understand whether the first step would be to switch from secured credit to an unsecured from the same issuer (BofA), or to open a new credit card, or maybe even both. I would greatly appreciate any thoughts and comments. [link] [comments]  |
| Posted: 03 Nov 2019 10:59 AM PST I hear all the time that annuities are only good for the person selling them. My mother is very risk averse though -- it's been like pulling teeth getting her to put anything in the stock market at all, and she's even wary of bond etfs. If it's not FDIC insured it's a tough sell. She keeps too much money in savings accounts earning 2% or less. She will be retiring from public education some time next year, and there's an option to put some of her retirement money into an annuity. The additional guaranteed security is very appealing, and I would imagine this annuity that's being offered by the state is probably less likely to be a total scam job than one being sold by a random cold caller. But how do I evaluate this? Obviously if a $100k investment pays out $50k per year it would be a great deal and if it pays out $1k per year it wouldn't be, but where is the cutoff? Is there some relatively straightforward annuity math formula I can use? Every time I google it just takes me to the sites of various annuity providers with their own payout estimation pages. I'd like to understand the actual math behind it. What rate of return would she need to achieve privately to be better off investing herself? If the annuity payment grows by 3% each year, how does that factor in to it? [link] [comments]  |
| Rocket Mortgage pulled my credit, now locked me out of my account due to a "typo" in my SSN Posted: 03 Nov 2019 03:16 PM PST I have recently begun the house shopping process, and one of the first steps I took was to put my information into lendingtree for some loan offers. One of the advertised lowest rates and fees listed was Quicken Loans, so I clicked the Apply link, which then took me to Rocket Mortgage. I filled an application and was shocked to find that, instead of the 3.5% rates that were advertised to me on lendingtree, my offer was an appalling interest rate of 5%. This is with immaculate credit (which was confirmed by the loan offer showing me and my wife's credit scores) and more than 20% available for down payment, so I tried to adjust some parameters to see if I was missing any information. The site requested I enter my SSN again, which I did. Then, to my dismay, Rocket said that it did not match. I tried putting in my SSN again, my wife's (since we are applying together, I had her information in the application as a co-loaner), nothing worked. Finally, Rocket locked me out of my account. I contacted support to have my account unlocked, and they informed me that I had made a "typo" on my application. At this point, I'm fuming with rage, since there's no way in hell my application would have even made it to the stage of showing me an offer if my SSN was input incorrectly. I checked my credit report and lo and behold, both my wife and I had a hard pull from Quicken Loans. The Customer Service Representative informed me that, because of the "typo" in my application, they had to use the corrected SSN I provided to them and pull my credit AGAIN to grant me access to my account and give me access to the loan offer again. I politely told them to pound sand and they gave me a number to call during normal business hours to complain. They repeated over and over that without correcting the typo and redoing the report that I could not be helped. I have hard evidence of a credit pull on both me and my wife's credit. I am still locked out of my Rocket Mortgage account. I am not going to allow them to pull my credit again when I already saw briefly a terrible offer of a 5% interest rate. Is there any kind of way I can salvage my credit or at least, file some kind of formal complaint against Quicken? This almost feels like fraud to me in that they can take my SSN, mess with that information, and then prevent me access to information that should be rightfully mine to peruse. [link] [comments]  |
| Multiple fraudulent Cash App charges from by bank account, I'm devastated. What do I do? (US) Posted: 03 Nov 2019 12:05 PM PST My wife recently asked me about a Cash App charge she saw on the bank of america app. It was about 122, and it said California ( we live in TX). That opened up a wormhole and we went through all the charges and saw that we were being charged large amounts, taken through our bank account. Almost all of them were California, one was from Postmates and we don't even use Postmate. I called my Bank and they told me to contact Cash App. Cash App doesn't even have a customer service line where I can speak to an agent. Every fraud charge on my bank statement doesn't have my name, all my real Cash App charges have my name and show in my history. Does anyone have experience with this? Thank You [link] [comments]  |
| Older sister deep in debt and asks for bottle deposits Posted: 03 Nov 2019 04:04 PM PST My sister texted me, "I wouldn't normally ask since I have too much pride to ask but do you know any places that I can get fast cash to earn. Im drowning. Can you save bottled and cans so I can do bottle drop" And I am doing that for her at least. She has a 4 year old son, works at a job paying about $20/hr full time. Her fiance is working a blue collar job making around the same wage. They both live at her fiances parents place who are charging them both $700 each per month ($1400total rent per month). But they both are paying for two newish cars monthly (estimate average car payment). Shes in a couple of thousand in student loan debt. I suggested her to sell the two new cars and to get something cash that they can afford. She shut me out after I gave her that advice since all she wanted was bottle deposits and not a "lecture". I dont know what to do from here. My parents wanted to send her some money but even my parents will be soon struggling to make their payments for their own house. I dont think giving money will help, its just enabling the problem. What do you think should be done as a family to help her? [link] [comments]  |
| MIL is asking me financial questions. Posted: 03 Nov 2019 07:10 PM PST Recently divorced MIL is walking away from a settlement with a condo (paid off = $300K) and around $400K in cash + $80K Roth IRA. She has a very small income right now of $1500 (CA teachers retirement/annuity/social security) which somehow she has been living on. As to the future, she doesn't know what to do with the lump of cash and ROTH.
All opinions accepted! [link] [comments]  |
| Starting over from $0, what are some best practices going forward? Posted: 02 Nov 2019 11:14 PM PDT I (23f) am currently working full time at $15/hr. A recent emergency completely wiped out all of my savings and I had to cash out all of my investments other than my car. I am starting from a literal $0 and honestly I have no idea where to start. I currently support my significant other as they are unable to work full time. I pay about $950 in monthly bills not including food which I normally budget out to 150 a month. I am also a full time student so I pay off the interest of my loans as well as books. Without my savings to fall back on (I'm lucky i had it to begin with it) I'm not really sure where to begin. I havent been able to save anything since the emergency happened and I'm looking for ways to save up and what i really should be spending it on. Everything that i spend on is necessary such as insurance, food, rent, etc. What should I be doing better? Edit: Thank you all for responding. I only get on reddit everyonce in a while when I get a chance, but I work nearly constantly and I am doing my homework and schooling when I am not so thank you for being patient with my responses. My SO has a part time job that does help out with some of the bills, I am covering what they can't, and if they ever need extra in an emergency, their family is helpful but we can't and do not want to put any extra pressure on the family for help. I'm looking for personal advise as I am independent from my family and I am worried if there was another emergency that I would be in trouble. You guys have been helpful, and I am looking for advise mainly on second job options, what I should be looking for in future career opportunities, if i should stay in school or work more for a temporary time, and how to save based on what I make. I don't know if I am eligible for state said because of what I make but thank you for that suggestion and I will look into it, as well as the suggestion on selling plasma. [link] [comments]  |
| Posted: 03 Nov 2019 07:47 PM PST The frugal part of me wants to go with the cheapest option but am really curious as to why such the gap in quotes. [link] [comments]  |
| Contributed max into Roth IRA - now above income ceiling.. how to avoid penalty? Posted: 03 Nov 2019 08:13 PM PST Hi all, thank you in advance for helping out! My partner (married filing jointly) and I make more than the maximum amount to be able to contribute to a Roth IRA ($203k is the cutoff if I recall correctly). Question 1) I contributed $6k to my Roth midway through the year. What to I do at this point to avoid any penalty? Question 2) can my partner also contribute the $6k into a traditional IRA? (I believe I read it was no longer allowed to contribute into a traditional then convert it into a Roth, but I may be mistaken). Thanks everyone! Let me know if I left anything out [link] [comments]  |
| What's a good amount to keep in HSA Account? Posted: 03 Nov 2019 02:40 PM PST Hi I have almost $8K sitting in my HSA account. Every year, my employer contributes $1k, so that is likely to continue to grow. 75% of that account is in investments, 25% in pure cash (I can liquidate the investments at any time for cash). Outside of the HSA, I have a healthy 401K, savings account with 9months emergency fund, and another long-term investment account. Me and my spouse are in our 30s, have kids but thankfully, no medical conditions. Outside of regular check-ups, have not needed to see doctors, except for the occasional fever etc. I was thinking of capping the HSA at 10K, and leave it as it is but wanted to see what perspectives others may have? [link] [comments]  |
| Posted: 03 Nov 2019 07:19 PM PST So I've been a "cash only" guy till I was about 26 and was turned down on a loan to help my parents out of a bind, reason being having a "low credit rating", 7 years later I'm stuck at 780s for almost a year now and with random 10-15 drops with 6-8 month periods of 1-2 point jumps/drops. Avg age of credit is 5 years, total credit is $24,500 between two cards and I never pass 10% usage on any of my cards, highest usage in the past 7 years was 8% after I bought my first house (materials to fix her up) Just curious what you lot do to push over that 800 barrier? Also I was also wondering I actually took a 40 point dip about 6 months ago (recovered now) because I bought a house.....in cash, does your bank report large sums being withdrawn from your account? Nothing else makes sense as no major purchases or credit checks were done during this time. Thanks. [link] [comments]  |
| Does 'Too many inquiries' denial reason apply to soft inquiries? Posted: 03 Nov 2019 01:15 PM PST Hello. So a couple days ago I went online and checked some websites like Upstart, etc., that says you can check up your rate and see if you get pre-approved for a loan with only a soft inquiry which would only become hard inquiry if you proceed. I did that and got pre-approved to some and denied with others. Anyhow, one of those lenders that denied the application listed 'Too Many Inquiries' as one of the reasons for denial and now I'm freakin out about those supposed soft inquiries being hard inquiries since I check several sites for loans (but only those who said it would be soft inquiry and not hard). So my question is can you get denied for too many soft inquiries? can they even see that? or is it safe to say that all those inquiries are hard? Ugh this sucks if they did hard pulls instead of soft imma have to dispute them cause that's not what they advertised. Has anyone else experienced this? Btw I check Credit Karma but didn't see any hard inquiries related to the loan pre-approval apps I did. But not sure if it just takes time to appear or what. Thanks. UPDATE: I checked my Experian report (which is the one the lender used) and it doesn't show any hard inquiry. So either the denial reason of 'Too many inquiries' is false or the report hasn't updated. I will check again soon and see if is still at 0 inquiries. I'm not sure though if lenders can see updated versions of reports or if they see what we see when we request a report? Not sure. Anyhow, I'll check again in around three weeks and see. Thanks for the help. [link] [comments]  |
| 23 years old, tips on my pension and investment strategy. Hoping to retire at 43! Is this realistic? Posted: 03 Nov 2019 03:43 PM PST Hello there! I am a 23 year old tradesman who just moved from California to the state of Connecticut for a job opportunity. I currently make $4,000 after tax and have zero financial debt. My current cost of living totals out at roughly $2,000 a month and have been able to put the other $2,000 away in savings. My company offers a pension which I am officially able to collect after 5 years of work. The pension is $6 for every hour worked into a 401k and I consistently work 55 hours a week, more often 61-67 hours but 55 hours to be on the safe side. My goal is to retire at 43 years old. How should I go about investing my money? I have no idea where to start, I am holding my savings in a traditional savings account and am pretty sure that this is not the best use of my money. Given that I am relatively young I am not adverse to taking high risks for high gains, at least with the $2,000 I save monthly outside of my pension. I am also wondering if it is wise to buy a house now or to simply rent until I have a decent amount for a down payment. I was also thinking about buying an apartment where I can eventually pay it off, then rent it out for a passive income when I decide to buy a house. Thank you for the help! [link] [comments]  |
| Posted: 03 Nov 2019 12:23 PM PST My husband and I have a non-marketplace short term plan this year. Consequently, the insurance don't have networks. (I know now that this wasn't smart and these plans don't have the protections of a marketplace plan. There's nothing I can do about that right now). In March, I went to the ER. Since then, I've dealt with/paid all the providers except the ER/hospital. They don't recognize the insurance company's network and won't accept the discounts/contracted amounts. My insurance company keeps sending me EOBs which state I owe a fraction of what's being billed. I paid that portion. I keep calling both the provider's billing company and my insurance regularly for updates. The provider insists that they haven't heard from my insurance. I then call insurance and ask them to contact their balance billing department. My insurance won't provide any evidence that they've actually been negotiating the networks and contracted amounts. I specifically asked several times. **Meanwhile, the worst has happened. I've been sent to collections. I've never been in collections before and don't know what to do. Do I pay the collections agency in full on Monday? Can I call the provider and just pay them directly? Should I confirm/verify the debt in case it's a scam or something?** Of slightly lesser importance, I'd also like to report my insurance agency to whomever oversees/manages insurance companies. I feel that they've lied to and misled me for months. They provide information over the phone - with no evidence to back up their claims of work on my behalf (even when directly requested) - which has been directly contracted or denied by all three of the providers who saw me in March. They all claim to have billed my insurance once and never heard back about networks/contracted amounts. They say they haven't heard from my insurance company with regard to negotiations. I've then immediately called and asked my insurance to follow-up (and they insist they are, but won't provide dates of contact, networks billed during the "negotiations," or any other information whatsoever). This went on all summer. Maybe this is normal for insurance companies, but from my perspective, they appear to have lied to me. What are my options here? Can I forward this matter onto an agency with some true investigatory power? Advice is greatly appreciated. **What do I do? Is there anything I can do - or some way to handle this immediately - to keep this off my credit?** [link] [comments]  |
| How much is too much when asking for a raise? (Unique Situation) Posted: 03 Nov 2019 08:32 PM PST I started at my current job 5 months ago and am already asking for a raise because this company essentially bait and switched me. In preparation for this conversation with my boss this week, I'm seeking advice on how much is too much to ask number wise. I interviewed to lead one team and negotiated my acceptance of the offer based on the projects and business criticality of that team (easy projects, medium business criticality). On my first day, I was switched to a "Tier 1" team - that is, a team that is responsible for 90% of incoming revenue of the company. It's a fast paced, highly visible, incredibly business critical team. I really wanted to work for this company so I rolled with it. Turns out this team is highly dysfunctional, full of difficult personalities, and requires work after hours and on weekends. In the 5 months, I've been with the team I've made great strides in turning the chaos into order but I'm being incredibly underpaid for the effort I'm putting in. Not only that, but a few months in they decided to split this team into two, both of which I'm now managing - easily could be a job for two full time people. I've been doing project management for 7 years and have never encountered a situation like this. In SoCal where I'm located, ranges for senior level project managers seem to range anywhere from 100k-200k. Currently I'm at 130k. I like the company, I really like my boss and the leadership above me so I'd like to stay however I need to know I'm valued in all the extraneous things I'm doing for their top team. I really want to ask for 175k, mostly based on the fact I'm doing two peoples jobs and with everything I've done already to turn a dysfunctional team into a team that can deliver on business needs. This is higher than the normal 10-20% percentage I normally see suggested but I also recognize I'm in a unique situation. Is ~35% too much? [link] [comments]  |
| Leased a new car, credit score tanked. Why? Posted: 03 Nov 2019 06:19 PM PST My credit score has already been in excellent standing (725+). Late September I turned in my lease and began a new one. On October 4th, due to the credit score check from the dealership, I saw it decrease by 6 points per Credit Karma, which was expected. However I just checked it now and it dropped 67 points from November 1st. Can anyone explain this? My payments are set up automatically to come out the day they are due. When I signed the lease, the dealership had an issue with checking my score and they thought I gave them the wrong number. Could them checking multiple times have caused this? [link] [comments]  |
| How to practice budgeting while I'm still living with my parents Posted: 03 Nov 2019 06:16 PM PST I currently live with my parents and am dependent on them for everything (groceries, gas, phone, electricity, etc). I have a part-time job and make around $700 a month for extra money. My parents are not requiring me to work to pay off bills or school tuition or anything like that. I want to practice budgeting so I will have some experience in it when I become independent. How can I start budgeting when I don't really have any personal expenses? [link] [comments]  |
| Ally Bank Savings or Local Credit Union Savings? Posted: 03 Nov 2019 08:25 PM PST Hi everybody, I am trying to build another savings for any future expenses such as a car, school loans, and graduate school applications. I am stuck between which route to go for in terms of where to have another savings account. I appreciate any insight provided, thank you! [link] [comments]  |
| 30(m) just received inheritance check , no debt, limited credit what do i do? Posted: 03 Nov 2019 08:25 PM PST *was told to repost without total in the title I just received an inheritance check for 155k and am in the limbo freak out mode about what the next move is... mostly im just pretending like it doesn't exist right now. I have no debt right now but my credit is limited with my score posting around 725 w one open line of 2500 thru home depot lol that has a 0 balance.. My portion of the check is 1/5th of a property sell. So i just moved to Oklahoma (1 month ago), am self employed with like 2k in the bank other than these funds. I need advice on how to handle the incoming funds. i need to open a new bank acct. here in OK now that im here anyway , is there something i should be looking for there? also any advice in investments or the handling of the taxes would be awesome and appreciated. i dont know the ins and out of the ordeal with it being revolved around an inheritance or especially only a portion of it. [link] [comments]  |
| "hide" financial aid money LEGALLY Posted: 03 Nov 2019 08:21 PM PST So I have about 10k total. I'm still in school and I have a full ride, so no loans or anything. I really want to have this money to set me up after I graduate, and be able to have a rainy day fund. I have it split between roth ira, investments accounts, savings, etc. When you apply for the FAFSA, and get the reward, they expect a student contribution of 20% of their assets. I do not want to pay money I don't have to pay. The FAFSA doesn't count money in retirement accounts, so I think maybe that's a good place to start. My main source of income is a youtube channel. Would it honestly make a difference if I blow money on a laptop or something for the channel since I would have to pay a few thousand dollars anyways if I just had cash? Should I transfer the money to a parent? [link] [comments]  |
| Best resolution to unpaid 2015 tax -- doubled by fees? Posted: 03 Nov 2019 12:02 PM PST Hey redditors, I have my first tax issue ever. I recieved a letter in October saying I have unpaid taxes from 2015 which have basically doubled due to fees and penalties. I'm in the sub-40k income bracket and cannot afford to pay their required dues. What are my options? Will they negotiate and allow me to just pay what I owed that year? I thought I was up to date on everything but looks like I've missed this one and want to make it right, but don't want to go broke paying it right before the holidays. I'm no tax guru so any information would be helpful. Thanks in advance everyone [link] [comments]  |
| Can you take out a US loan to consolidate foreign (Canadian) student loan debt? Posted: 03 Nov 2019 03:06 PM PST I have $90,000 in Canadian student loan debt, but live and work in NYC making $150,000 US. I have to start repaying the principal on my personal student loan from the bank, with a variable APR currently at 7.5% (3.5% plus Canadian prime of 4%). I have very good credit in the US and am wondering if there's a way to take out a US loan to a) take advantage of the current weak Canadian dollar and b) hopefully get a better interest rate. Does this exist, reddit? Any other advice? Thanks!! [link] [comments]  |
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