Personal Finance Consider working at a University if you want another degree but can't afford it |
- Consider working at a University if you want another degree but can't afford it
- Do you think this is good advice regarding credit cards?
- 19 y/o, highschool dropout, McDonald's worker
- When do you find the best time to update your finance/budget/income spreadsheet? Daily? Weekly? Monthly?
- Married couples with separate bank accounts
- Dealing with Identity Theft - Credit Freeze DOESN'T work
- Should I buy my leased vehicle when the term ends in July?
- Now that most financial institutions don't charge for any trades where should I really be keeping my investments?
- Must Read Books for 2020
- Temporarily paralyzed from the waist down and homeless (37F, Dallas TX)
- Father owes ~30-40k to IRS plus 25k in credit card debt, advice?
- (US - WI) Why did my employer put Educational Benefits into my Earnings tab on my last paystub?
- Paying for college?
- Worked 2 jobs, unemployment and independent contracting = VERY confused about taxes this year.
- New job wants old jobs paystub
- Finding Lost Stocks?
- Elderly Recent Foreclosure - Looking for Housing Options
- Housing costs are more than my risk appetite, what should I do?
- Paid off loan, credit score went down
- Dad got 27k overdue IRS bill, dad has stroke/ incapacitated, probably a mistake. I dont know what to do?
- Tax Filing - Non US Citizen
- Here’s how private student debt is kicking my ass yet again.
- Help with 401k Investment Options
- Bought a car from dealership - supposed financier has no record of my purchase/loan. Is it possible to transfer the title or 'claim' the vehicle?
| Consider working at a University if you want another degree but can't afford it Posted: 08 Jan 2020 01:57 PM PST Some colleges and universities in the USA will pay for 100% or a very large portion of your tuition if you are a full time employee. A lot of people dont consider working at a University if they dont want to be a professor or in academia but they forget about all the other job opportunities! Every school has a finance department, HR, an IT department, a communications and marketing team, and other departments that could fit your career goals and don't have much to do with academia at all. My roommate wanted to work in government affairs, got a job at a university doing that, and is now getting her masters in public policy 100% paid by them. I also work at a University and am getting 100% of my masters degree paid for. Its a smart way to further your education without the worry of more student loans and its doesnt have to be a forever job. Edit: I understand that this isn't every college! I was simply suggesting something people could look further into as an option that they may not have considered, that's all! [link] [comments]  |
| Do you think this is good advice regarding credit cards? Posted: 08 Jan 2020 05:08 AM PST I came across this and thought it sounded sensible but I'm sceptical at the same time:
What do you guys think? Thanks! [link] [comments]  |
| 19 y/o, highschool dropout, McDonald's worker Posted: 08 Jan 2020 11:54 AM PST Hello there. I'm 19 years old highschool dropout without real talent, passion or god knows whatever motivates people eh? Working in McDonalds. I spend about 65% of my income to pay rent(that covers all extra costs - electricity, gas, warm water). I have no scheduled payments and im slowly studying via free courses to get GED. I considered moving but getting a new job seems to be a little bit hard in my position. Also,I live very close to my workplace so I guess thats extra saved money cuz i dont have to pay for transport? I have no close relatives that can help me with anything (my parents died, siblings dont care) I'm making this thread so i can ask you for some advices on how can i improve, perhaps save or earn extra money. Is my current plan on getting GED good? Or should I be doing weekend school? (It will cut my income a lot, weekends are paid extra) I dont spend a lot of money but it's hard to save for anything. I already don't buy anything expensive, I cook by myself, I excersise in public (GYM parks, jogging), I don't smoke or drink (ywah my life is boring loll) @Edit I expected to get 1, 2 answers at most. Thanks for all comments. I'm still reading through them but I can already see some amazing advices. @Edit2 First conclusions? Get. That. GED. Thank You, I'll keep it in mind and work harder towards it. @Edit3 Trades, IT, Side-jobs (I actually never thought about it but I know some old ladies from neighbourhood that really hate walking their dogs, cha-ching?!) As i mentioned below, I'll definitely give IT a go once my GED is there. I'm also hoping i get promo at McDon's :D [link] [comments]  |
| Posted: 08 Jan 2020 07:09 AM PST My 2020 goal is to keep track if everyone dollars coming and coming out. So far I've been trying to update daily but I've already noticed that if I miss a day or two I'm already starting to feel lost in what I've added and haven't added yet. So in curious to know when some of you find has worked the best for them. Thanks [link] [comments]  |
| Married couples with separate bank accounts Posted: 08 Jan 2020 02:22 PM PST I am truly curious about married couples that have separate bank accounts and do things like one person pays for something, the other spouse pays for something else, and have some common expenses... Why do you not both put all your money into one account and then separate from therr into investments, personal fun money, savings and what not? By keeping things separate, me as an outsider to that type of situation, it seems more like a weird roommate thing than an actual partnership. My wife and I put both of our paychecks into our common account and then from there we decide how much goes into savings and investments and pay all of our bills out of one common account. Just me being curious [link] [comments]  |
| Dealing with Identity Theft - Credit Freeze DOESN'T work Posted: 08 Jan 2020 03:37 PM PST Unfortunately I am dealing with Identity theft and it is ruining my life, not sure where to turn as I've spent countless hours on the phone with the banks and 3 credit bureaus to no avail. I made sure to place both a freeze and credit fraud alert on my identity with all 3 bureau's. Since the freeze and fraud alert I've had multiple inquiries, also a Verizon account opened in my name with 3 lines. I do not have any verizon phone's... Here's where the problem lies - when I setup the credit freeze I created PIN #'s, however, the PIN # only needs to be used when calling the bureau's. You can unfreeze directly on their website's without the PIN. Somehow they are just going to the credit bureau website and click forgot ID/password - I believe they need to enter birth date and social and change the password. They update the account to their email/security questions and unfreeze then apply for accounts. They can also update the fraud alert contact # once logged in as well. It does ask for a security question, but somehow they are changing it and locking me out. This has been ongoing issue... When I called transunion and told the guy I was locked out of my account and didn't know the security question answer because they changed it he just asked for my birthdate and social then gave me the answer to the security question. So i reset my password logged in, and the email/security question that was on my account wasn't mine but a similar email to mine. I'm not sure how this was initially changed? But seemed super easy to get transunion to just give me the answer to the security question... I keep getting calls from banks to discuss my credit applications and thanking me for removing the credit freeze... Not sure where to go from here, anyone had a similar experience? [link] [comments]  |
| Should I buy my leased vehicle when the term ends in July? Posted: 08 Jan 2020 07:00 AM PST I am currently paying $365/month on our car. We've kept it in excellent condition, with only 33,800 miles on it. Family of 3, we own one other vehicle with about $9,000 left on it. We are looking to buy a house next year, so that is a priority. We like this car, an SUV, because it's easy to transport our child in, and the back storage space is great for trips. Should we purchase the car, or look for a cheaper one? Also, if we buy this lease out, with our improved credit, could we finance at a lower monthly rate? [link] [comments]  |
| Posted: 08 Jan 2020 06:01 PM PST I started off with an etrade account, loved the information they had but a $7 fee for each trade was too much to bare so I moved to chase where I have much less information but free trades. Now etrade has free trades, vanguard has free trades, Charles Schwab has free trades. What kind of difference should I expect among financial institutions and where would I get the best bang for my buck. [link] [comments]  |
| Posted: 08 Jan 2020 06:33 AM PST So, I am sure this has been posted before, but I am looking for more books to read for 2020 in personal finance. I am an intermediate when it comes to my knowledge of personal finance. So, I do not need a beginners guide or personal finance for dummies, but I would not say I am an expert. I know of the most common books, "Rich Dad, Poor Dad", "Richest Man in Babylon", "Millionaire Next Door", etc., but what are some ones that you found to be good that don't get praise like those mentioned? To get more into the nitty gritty, I am starting to make a decent amount of money (not an exorbitant, but for my age a well-off living), so I am looking for ways to save on taxes. Obviously you have 401(k), IRA, HSA, and mortgage interest, but I just learned that municipality bonds can be a tax haven (still haven't done too much research on it, so it may not be super great). I am looking to find more ways to move money and save on taxes. [link] [comments]  |
| Temporarily paralyzed from the waist down and homeless (37F, Dallas TX) Posted: 08 Jan 2020 08:00 PM PST Hello, I am posting on behalf of my sister who was in the hospital for 4-6 months and lost function of her legs. She is 37 years old and has 4 children: 2 with her husband (who is choosing not to take her in or help her at all, you could say it is a domestic violence situation, the kids staying with him are ages 4 and 7) and the other 2 (ages 16 and 13) staying with my brother (who is trying to kick them out in a month). She has no car, no money, no job and essentially no family that can help. I myself am a broke college student. My question is, how can I help her? No homeless shelters we've called can accommodate her, she cannot stand by herself, shower or use the bathroom without assistance. She has no insurance, no disability, and has no state assistance as of right now. The hospital kicked her out even though she is unable to walk and has no where to go due her not having insurance exhausted their resources. It is very possible for her to walk again, she just needs physical therapy. She is desperate for physical therapy or some sort of rehab to get function of her legs back. Please comment if you're aware of any programs that can help her situation. The hospital arranged for her to go to Dallas Life, but they kicked her out the first day due to not being able to accommodate her. [link] [comments]  |
| Father owes ~30-40k to IRS plus 25k in credit card debt, advice? Posted: 08 Jan 2020 06:14 AM PST I keep telling my father he should probably file for bankruptcy but hes a stubborn guy. He had filed once for bankruptcy maybe about 15-20 years ago. He's terribly irresponsible with money and sometimes I feel like I'm his dad telling him to save and how to pay down his debt. My dad makes around 160k a year, but his issue is something our job has called "side jobs" which are not taxed when we get paid and we get a 1099 at the end of the year. Over the last 3 years hes made roughly 60-70k total which has resulted in the taxes that he owes. This years taxes is included in my estimate of 30-40k debt plus all the interest and such. My question is, is bankruptcy the best course of action for him? I have a friend with a bankruptcy lawyer ready to go. I don't see him being able to pay down this debt any other way. Thanks! [link] [comments]  |
| (US - WI) Why did my employer put Educational Benefits into my Earnings tab on my last paystub? Posted: 08 Jan 2020 03:53 PM PST I started noticing that my employer (Walmart) started placing educational benefits into the Earnings section of my paystub. Here is a picture of my (modified) paystub and what it looks like on the deposit date of 12/26/19. https://imgur.com/a/GWns8OL However, this only occurred on my final paystub for the year since the previous paystub (deposit date of 12/12/19) did not have this. https://imgur.com/a/khPVhDB Will this do anything to how my taxes are calculated? Will this impact me in any way? Thank you. [link] [comments]  |
| Posted: 08 Jan 2020 03:31 PM PST It recently came across to the fact that i NO CLUE on how i'm gonna be paying for college. I want to not screw up 15 years of my life by going severely i debt, i'll be in school for at least 6 years if i go at an average rate thru credits. There's obviously loans and scholarships but i cant even tell what way is better. It stresses me out because i just want to enjoy my enjoy and not be slaving away to pay it all off. [link] [comments]  |
| Worked 2 jobs, unemployment and independent contracting = VERY confused about taxes this year. Posted: 08 Jan 2020 03:52 PM PST Alright so my first job layed off 90% of the company about halfway through the year, I was eligible and applied for UI while I did my jobsearch. I ended up picking up a contracting gig with HIGHLY variable hours so the UI continued on weeks where I had not enough work. I eventually landed a job that i wanted just into the 4th Quarter. My 3rd Quarter's estimated tax payment was easy, I owed federal taxes on the UI and that's it. Figuring out this past quarter's estimated taxes has me very confused. I've tried following along with the IRS worksheets but my numbers keep coming up... odd. It doesn't help (to me) that the sheets often don't tell you WHY you are doing something. So I know I have Self Employment taxes in addition to Federal estimated taxes, is there a good tool/flowchart to follow to do all this in the right order that actually calls out what the steps are doing. I feel like I'm doing something wrong like adding the social security tax to the federal tax and calculating that as my over/under pay. Do I send 2 payments in, or is it all together? Most of the "this is how you do self employment returns for idiots" guides don't figure on you working a regular job in another part of the year ( I ended up having a negative estimated tax payment following one, and I know thats wrong heh) Sorry if this is actually covered somewhere, I'm just in a bit of a panic realizing I need to get this done NOW (deadline for estimated payments is the 15th) [link] [comments]  |
| New job wants old jobs paystub Posted: 08 Jan 2020 04:08 PM PST Pretty much the title. New job is asking for a paystub from my previous employer. I don't have one, but I do have the form from my previous raise. I'm hesitant to provide because I don't want them basing my salary offer off that paper. Is this common practice? Same field of work. [link] [comments]  |
| Posted: 08 Jan 2020 06:55 PM PST My wife's father passed away without a will, leaving a disorganized estate (my wife is now the estate representative responsible for seeing it through probate). It's clear there are many documents missing. One thing we haven't been able to figure out is what stocks he owned. We followed the tips at https://www.consumerreports.org/cro/2010/08/how-to-find-forgotten-assets/index.htm including checking on missingmoney.com, which only revealed a few dividends but we think there is more out there. What additional search methods can we use? Also, if we find through searching that he owns stock in, say for example, Shell Oil, what do we do to claim the stock for the estate? Thank you! [link] [comments]  |
| Elderly Recent Foreclosure - Looking for Housing Options Posted: 08 Jan 2020 06:53 PM PST Hi, I am going to cut to the chase. My parent's home was recently foreclosed upon. We sued the lender due to non-notification and got $37k back today. They have $120K cash total, all in. I am a Real Estate agent and know plenty about mortgages and the such. However, as a last-ditch effort, I thought I would ask. If they found a house for $150k, could they get a mortgage for the remaining $30k, putting $120k down? Obviously, their credit is trashed. Both of my parents keep getting pre-approvals in the mail for credit cards and auto loans, if that makes a difference(probably doesn't). They also have 1 credit card, with a $750 credit limit and $0 balance. They are 69/70 and bring in $5,200 each month from multiple sources. Currently, they have been living with me and my 16yo son. Is there anyway possible for them to get any loan for $30k? I am assuming I can't cosign even though I have an 803 credit score and 28% DTI. Texas [link] [comments]  |
| Housing costs are more than my risk appetite, what should I do? Posted: 08 Jan 2020 03:29 PM PST I am 30, single, no kids, good salary, but feel stuck. I live in Orange County, CA where average home prices are $600k and 2bd/2ba condos are in the $400-450k range. My pre-qualification approved up to $450k for a condo and $500k for a home (due to the HOA associated with condos). So basically I would be spending over 50% of my take home pay without a roommate. This is just far too much risk for my appetite even with no debt and an emergency fund. Unless I find a significant other to combine income with, have a sudden windfall, housing prices drop significantly, or I receive a substantial raise.. it feels like i'm stuck. This assumes I don't put down 20% because I don't have 20% saved outside of 401k, roth IRA, emergency fund. But even with 20% down I would still be spending 45% of my take home pay on an example condo price of $418k. Am I just too cautious? I don't understand how I can afford this. Also, I definitely acknowledge my situation and don't want to leave the wrong impression. Any advice is welcomed, thank you. [link] [comments]  |
| Paid off loan, credit score went down Posted: 08 Jan 2020 06:26 PM PST I'm just a but confused and wondered if someone could clarify. I have googled my question but I still dont quite get it. My credit score was over 800. Last month I paid off a large loan in a lump sum ($14,000) and this month my credit score has dropped to 766. It's still good credit so it's fine, but I just don't understand why it would drop after being a responsible party and paying off a loan? Intuitively I feel like if anything that should raise my score? Thanks for your time! [link] [comments]  |
| Posted: 07 Jan 2020 10:39 PM PST My dad trades stocks very often. He also does his own taxes. He has a larger net worth and typically these kinds of errors happen every year where the IRS makes an accounting error and he writes them letters and sorts the issue out. Well dad had a stroke, hes incapacitated for now (lets say next 3-6 months) could be longer. I just got a letter from the IRS saying 27k is overdue for 2018. From historic experience they are probably at error. I don't know how to check or how to proceed. Is this something I can just hand over to an accountant? Its not a huuge hit for dad but I dont feel like shelling out that kind of money if he doesnt owe it. PS Should I make the min 300 dollar payment [link] [comments]  |
| Posted: 08 Jan 2020 03:53 PM PST Hi guys, I have a quick question regarding the upcoming tax filing of 2019. I have lived in the US from Aug 2017-Aug 2018 as a student and Dec 2018-June 2019 as an employee (both on F1 student visa). I had a taxable income during that time but left the US eversince back to my home country (June 2019) and I'm expecting a tax refund for 2019. Will I be able to file my taxes just like I did when I was still living there using my W-2 Form (For the 2018 calendar year) or is there anything else I should be doing? Thanks a lot. [link] [comments]  |
| Here’s how private student debt is kicking my ass yet again. Posted: 08 Jan 2020 06:02 PM PST TL;DR - I have about $72,000 under Sallie Mae, and am going to have to pay about 1k/month minimum, starting in early March. In February, I'm going to have to move out and get my own place. Was recently denied refinancing with Earnest, which feels like my last option. I make close to 40k a year and own my car outright. Still, I'm terrified that my life is going to fall apart any day now. Pleeeeeease help. About five years ago, I graduated college with about $78,000 in private student debt with around 9% interest, under Sallie Mae. Soon after, I spent some time making around $1,000 minimum monthly payments while living with and taking care of my grandmother. Two years later, I had decided to move back to my hometown with a friend, where I was paying $400.00 for rent and utilities. While there, I spoke with Sallie Mae about not being able to afford my minimum payments, and, after a lot of persistence, they agreed to place me on a 2 year low-interest repayment plan, thereby reducing my monthly payments to 350.00. After about 8 months, I had moved out due to some friction, and in with another friend, which is where I'm currently living. I got a decent job making around 38k annually, bought a car outright, and put away some savings. I pay 350.00 for rent and utilities, and have finally gotten ahead. But, here's where things take a turn. The friend I'm currently living with wants to live alone in her house, so we'd decided on February 1st being my move out date. I'm looking for apartments in the 650-750 range, with most utilities included, which I could totally afford right now. The problem is that my monthly loan payments will be going back up to around 1k in early March, and I don't want to commit to a lease and risk not being able to pay rent after a month or so. This could make things so much worse for me. I recently applied to an Earnest refinancing loan, but was denied due to not having enough savings and having one bad remark on my credit (a lost medical bill). The only other option I can think of is to ask my dad to co-sign for a So-Fi loan, but he's my student loan co-signer, so I'm not sure how that works. It feels like my life is a time bomb, and that it's going to go to shambles here very soon. I'm terrified. Are there any other options for me right now? [link] [comments]  |
| Help with 401k Investment Options Posted: 08 Jan 2020 01:31 PM PST I am trying to decide the best 401k investment options through Principal. Does anyone have suggestions? I know three fund portfolio is a great go to, but I am not sure which options to select for that. I am 25 years old and looking to retire before 50. Will be maxing 401k, Roth IRA and HSA each year. Company offers 4% 401k match. link to funds: https://imgur.com/a/PVrkrOm [link] [comments]  |
| Posted: 08 Jan 2020 09:33 AM PST Not terribly certain what happened but here goes: I purchased a used vehicle from a dealership in late November. I never received paperwork beyond the purchase regarding my financing of the purchase. My first payment is supposed to be today, however I contact the supposed finance company and they have no record of my loan/purchase. I've put $3000 down on this car and need it for daily use now. What should I watch out for with this situation? Is it possible given there no record of lien on this vehicle to transfer the title to my name? Squatters rights of a sort? Any and all advice is appreciated! [link] [comments]  |
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Thanks for sharing a great post!!
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