- I have anywhere from 6 months to 5 years to live. I’m worried about what could happen to my wife financially after I go. I do not have life insurance but I am on Medicare/disability and have secondary insurance through my wife. Should I be worried?
- Rebalancing after a correction means buying more stocks, not less
- Submitted electronic payment to credit union, get confirmation email, credit union doesn’t pull the transfer and is reporting 30 day lates. Who do I talk to?
- Delta is refunding flights to Japan (and maybe other countries) if you call.
- Should I take a 95k student loan
- My relative wants to pay my $40K student loans off, and I'll repay her at no interest. How to do this??
- Salary negotiation and radio silence
- Best advice for 19 yr old with no credit on financing a car for the first time?
- Buying home with cash vs mortgage
- Husband keeps getting fraud on debit/credit cards
- What is the best way to purchase index funds?
- Living on full-time min. wage?
- Just quit my restaurant manager job with no back up plan
- What's your tips for controlling spending?
- I'm a music video director, the label deposited all of the 20k+ budget into my personal bank account
- Can We Afford This Move?
- Action Plan for Catching Up?
- What do do with bigger than expected bonus
- Hospital taking me to credit collections after paying for services in full prior to being seen
- Am I Screwed From a $50 Collection Where I Never Got a Bill?
- Ok dumb question but I’m writing out a check but wrote something wrong on the “For” section at the bottom. Is it ok to cross it out and correct it?
- Which fidelity index funds to invest?
- Accidentally just exceeded Treasury series I bond limits.
- Online savings account help
| Posted: 26 Feb 2020 01:06 PM PST I have a rare type of recurring cancer that is terminal. It will (and has) affected my judgement and decision making skills so I'd like to address some things while I'm still sound of mind. My wife does work at a decent job in the medical field full time. I'm just worried about medical bills, funeral costs etc Edit: thank you everyone for all the replies! I'm going to talk to an estate lawyer some time in the next month! Edit : I'm 29 years old and I live in MA [link] [comments]  |
| Rebalancing after a correction means buying more stocks, not less Posted: 26 Feb 2020 06:49 AM PST After this latest market dip, I've seen a lot of posts that are confused about what to do.
[link] [comments]  |
| Posted: 26 Feb 2020 11:39 AM PST I'm in Idaho. Not sure if this is the right sub or for legal advice but here goes. I'm a freelancer and I've been sick and my income has dried up. Constant headaches. Currently waiting for MRI results to confirm or rule out tumors and brain cancer and all that. It's been an ordeal. Through all of this I've gotten behind on car payments. I bank with Acme Credit Union (not for real) and I have a car loan with Peoples Credit Union. I had a payment due November 23rd that I missed. I was current up until then. I had another payment due December 23rd. On December 22nd I made the payment amount for Novembers payment, plus the late fee. So the payment was $249 and I paid $300 just to cover everything. Went through the online system, got a confirmation email. It's Christmas and the banks are closed and I'm just assuming everything is fine. Towards the end of the week I realize that my payment hasn't cleared. I try calling People's but they tell me that I can only talk to one person about my account and she's on vacation. The front line rep won't tell me anything. The online system won't let me make another payment now that I'm 30 days late. I have to do it in person. A few more days of the payment not clearing and I finally go in person and make a $300 payment. I never did hear back from the "one person" I could talk to about my account. I get a 30 day late on my credit report, even though I made the payment on time but the electronic transfer didn't happen. I have made electronic transfers between the two credit unions before so I know they talk to each other. Peoples doesn't say anything about the payment rejecting or anything like that. No emails that the payment was rejected. Every thing just looks normal. I confirm with Acme CU that there was never an attempt to take the money from my account. I make December's payment in person in January before the due date. $300, so well over the amount and fees. And then February 23rds payment comes along and I schedule $300 for the 22nd, get a confirmation email, and once again it doesn't pull and I get a 30 day late. People's CU has been entirely unhelpful. The front line reps can't tell me anything and I keep asking to speak to that department and they give me a general phone number that just gives me a menu that doesn't lead anywhere. I don't understand how I can schedule a payment and then they just don't take it and it's not their fault. I'm thinking my next step is to write a certified letter to the CEO of People's Credit Union. Should I also file a complaint with The National Credit Union Administration? I've read this is the equivalent of the Comptroller of the Currency and I see to remember a thread on here where that was recommended and got results. Or is that the nuclear option? Or the CFPB? I've heard they don't really do anything anymore. Or wait and see if the CEO responds appropriately first? I don't think going to the credit bureaus first would help but maybe I'm wrong. If none of that works, what about small claims? I have two really old late payments on my credit that are about to fall off and these two news ones are really ticking me off. I've worked hard to rebuild my credit after I got caught in the 2008 crash. This CU also has a program where you can skip payments for 90 days around Christmas. I didn't realize that until I went into the branch in January, but now I don't qualify since I've been 30 days late. Obviously this would be really helpful right now since I've been so sick. Thanks for helping me figure this out. Edit to add: when I'm making the payment it's on the People's CU app. Not a third party. The confirmation says "you've scheduled an external transfer" and the date says same day. But then it never transfers. [link] [comments]  |
| Delta is refunding flights to Japan (and maybe other countries) if you call. Posted: 26 Feb 2020 10:39 AM PST Some friends and I had a trip to Japan coming up, and of course we all booked nonrefundable Delta flights back in early January. And then the coronavirus struck. Our trip was set to take place in early April, and with the unpredictability of the virus and the current outbreak in South Korea, we decided we'd rather postpone to another time and actually be able to enjoy our trip, rather than take on any unnecessary risk. Unfortunately, we had all booked nonrefundable flights, and Tokyo is not currently on the list of cities for which Delta will make accommodations to its customers. If we had tried to change our flights online, it would've been a $300 change fee per ticket. However, one of our friends decided to call the Delta Refunds department (1-800-847-0578) and talk to a human being. They essentially refunded the entire flight cost back to his credit card (not a Delta flight credit - an actual refund), no questions asked, just due to his expressed concerns about the coronavirus. Three more of us were able to call and do the same thing. Of course we're all super bummed to cancel the trip, but I'm definitely feeling a bit of relief, too. TL;DR: If you have an upcoming trip to one of the countries/cities currently affected by the coronavirus and you're leaning towards canceling, but your airline isn't currently advertising that they'll accommodate you in any way based on the city you're traveling to, you should still try calling and asking for a refund! [link] [comments]  |
| Should I take a 95k student loan Posted: 26 Feb 2020 11:00 AM PST Basically I'm in sort of a situation. I'm currently 18 and have goals of becoming an airline pilot. I've been looking into this training school called ATP (Airline Transport Professionals.) They basically get you from zero time to airline pilot in 2 years. But, that comes at a hefty price tag of $96,125. This would include housing and everything during the training period. The program comes with a tuition reimbursement, paid by the airline you decide to go with. This ends up being around 11k, so just a drop in the bucket. Most airline pilots start out making 19k then jump to 40k a year later. You don't start making great money until the majors, where you can make 100k a year as a first officer and 300k as a captain. Like I said it's a major financial investment, and the starting pay isn't great. How would I manage to repay this loan after becoming a pilot? Edit: To everyone asking about the military. I've already been disqualified. I had hepatitis and unfortunately can't join. [link] [comments]  |
| Posted: 26 Feb 2020 12:43 PM PST Hi all. As my title say, my relative wants to pay of my student loans, which total about $40K. Essentially he is wanting to "loan" me the money at 0% interest and I'll pay him monthly. What we are hoping is to find a way to make this happen that: 1.) Won't show the $40K as income for me, thus killing me next tax season. We can't do this in installments, it has to be done all at once, so the "gifting" option will not work as you can only gift $15K a year. 2.) Won't show up on my credit as a "loan" so that my debt to income ratio will be better, and I can buy a house. Preferably, this would be something he could keep sort of secretive without a lot of paperwork involved, as there are some other family members that may or may not approve of him helping me. Thank you for your assistance, guys. I can answer any additional questions you may have. Edit: changed $25k to 15k, and a "her" to a "him" Both were typos. Typed this out on my break and my brain is quite frazzled trying to figure this mess out. Edit2: just want to clarify that I am not trying to do anything illegal here, or commit fraud. I'm just ignorant to tax/lending stuff and I'm trying to figure out the best way to navigate this situation. [link] [comments]  |
| Salary negotiation and radio silence Posted: 26 Feb 2020 02:16 PM PST First salary offer was received. Within a range, he offered the lowest amount. I did my homework: average salary based on location, years of experience, what I bring to the table, my merits and accomplishments, etc. His offer was about average. With the amount of responsibility and work I'm expecting to be handed to me, I know I can rise to the occasion. I believed I'm worth a little more than what was offered. Next day, I respectfully gave a counter offer at 10% higher. Listed reasons why I would be a better candidate and worth more than his initial offer. Radio silence. I'm fine with waiting. But he's usually responsive, so I'm curious how long I should wait. [link] [comments]  |
| Best advice for 19 yr old with no credit on financing a car for the first time? Posted: 26 Feb 2020 06:20 PM PST I know. I don't want to be in debt either. My best bet is to save for the car I want but I don't have time for that. All previous cars I've had are all used bought straight out and stays alive for about 2 years. The car I have now is on its last limb and I have a job that drives a lot. Can't I just find a dealership and put $500-$1000 down and try to negotiate a low monthly price? If so any good dealerships for that? [link] [comments]  |
| Buying home with cash vs mortgage Posted: 26 Feb 2020 01:35 PM PST Hi guys, title says it all really. I'm 23 years old and I'm just about done with student loans. They've been a headache for a while but I am expecting to finish off this debt by October 2020. I am in a good place financially and I feel comfortable in minimizing my cost of living but I also want to begin setting my financial goals for once I clear off loans so that I don't lose track of frivolous expenses. I am currently able to muster about $3,500/month in disposable income, most all of which is currently going to my debts. I expect my disposable income to increase by about $500/month each year for the next few years. My current apartment in the DC area costs about $1,800/month. I think I can get a comparable condo for about $300,000, though within a decade I'd like to expand to a townhouse (currently ~$800,000). question 1Should I look to continue renting and build up a portfolio of $400,000 in cash before buying a home without a mortgage or would I be better off in just getting a 15 year mortgage with 20% ($60,000) down within a couple years? question 2Given that I'll want a townhouse eventually, what would be the minimum amount of time that I would hold the condo before selling it for its equity? edit:question 3Would it even make sense to hold off on buying anything until I settle down / consider marrying to split the costs? (It's hard to date when paying off loans so aggressively, my friends are wondering about my sanity SOS) question 4Are there any tax shortcuts I can take here to minimize the cost of buying a house? question 5How much additional cash should I hold as a homeowner for any maintenance and unexpected costs associated with being a homeowner? [link] [comments]  |
| Husband keeps getting fraud on debit/credit cards Posted: 26 Feb 2020 02:35 PM PST So I just find it strange that my husband has fraud on his cards multiple times every year. He finally switched banks and now 3 months in with a new bank and it's happening again. The strange thing is that usually it's both his cards with the bank that gets hacked. He has a chase debit card as well as a chase credit card. Both got hacked 1 day apart. I don't understand why this keeps happening to him. We thought it was the bank but it's not. Any ideas of what to do to prevent this? It's ridiculous to go through this every few months. [link] [comments]  |
| What is the best way to purchase index funds? Posted: 26 Feb 2020 09:57 AM PST Whats the difference between purchasing Vanguard index funds through the Vanguard service/site versus buying them through Robinhood ? [link] [comments]  |
| Living on full-time min. wage? Posted: 26 Feb 2020 03:38 PM PST I'm 23 and just accepted a full time job at a local plant nursery. I have a B.S. in environmental science but cannot find a salaried (or even just above minimum) job here in MD that will accept my qualifications, so min wage it is. At this new job, I'll be working 40-50hrs a week for $11/hr, the state minimum. No overtime pay because it's technically in agriculture. I've found a house for rent that I'm splitting with 2 roommates, and my share of rent alone will be $300, not including utilities. Beyond that, I have other expenses including car insurance ($100), phone ($30), student loans (at least $150), groceries and gas. I used a tax calculator and found my bi-weekly full time pay will be about $770, so about 1540/month. It seems doable to live that way on paper, but I've lived at home my whole life so I'm not familiar with the practical side of all this. Anyone have thoughts on budgeting or if this is gonna be impossible? [link] [comments]  |
| Just quit my restaurant manager job with no back up plan Posted: 26 Feb 2020 08:05 PM PST Before you cast judgement i have a years salary in the bank and the jib was honestly killing me. Been in the business 20 plus years i really need to find something different any and all advice is welcome. Let me hear some great ideas! [link] [comments]  |
| What's your tips for controlling spending? Posted: 26 Feb 2020 05:18 PM PST Long time lurker first time poster. Just curious how some of you handle compulsive spending or techniques you use to talk yourself out of it. I have this issue with making progress then reverting back because I have the availability to do it. Example - I recently paid off my paypal credit and a 0% Affirm loan. But then I turned right around and got more since I paid them off. [link] [comments]  |
| I'm a music video director, the label deposited all of the 20k+ budget into my personal bank account Posted: 26 Feb 2020 05:35 AM PST I'm working on my taxes, I direct music videos. On one of the videos I didn't know any better and had the label deposit the entire $21,000 budget in my personal bank account to make this major label video. I only kept $1500 of the budget, the rest was used to make the video. They issued me a Form 1099-MISC. I'm using Tax ACT to do my taxes. How do I get to where I'm only paying taxes on the $1500 I made? Any help is appreciated, I'm really stressed about this, and I know it was a mistake, but you live and you learn. [link] [comments]  |
| Posted: 26 Feb 2020 01:12 PM PST Hey PF! My wife and I (both ~30) have been considering a move, and we could really use some unbiased input. I'll first lay out our current situation and then tell you what we're considering before asking questions. So, our current situation looks like this: We are looking at a house that we hope to get for around $330k. This new house has some great perks our current house doesn't. The house is a rambler with a basement. Laundry is on main level, and there is a master bedroom with bathroom on main as well. This is the kind of house we could live in for a long time. If we took all of the money from selling our house and put it down on the new one, we would have a new payment of about $1700. Our biggest question is can we afford the increased payment while still saving for retirement and kids' college? Are there better ways we could be using our money? Thanks for any input. Edit: My wife reminded me that we currently claim 0 on taxes, and plan to adjust that. We'd see an increase in monthly income because of that. [link] [comments]  |
| Posted: 26 Feb 2020 06:49 AM PST I'm sure this has been gone over plenty, but was hoping for some insight on our specific situation. Thanks in advance for your wisdom! Me (33) and my partner (31) have just married our finances and are realizing we have to play some very serious and very urgent catch-up in order to reach our goals (or even put a single foot on the right path to reach our goals). Here's the basics: -He makes around 67K (pre-tax) working a full-time job. I have 3 part-time jobs (no benefits) but manage to pull in around 55K (pre-tax) between the 3. I just finished a graduate program, so this income level is fairly new for me, but I expect it to continue (god willing). -We both have good credit (730 for him and 775 for me) -We have no credit card debt, but we do have: His personal loan from grad school (15K @ 10.9%) My private student loans (15K averaging 6%) One car loan (14K @ 5.95) One loan from a friend (3K @ 0%) I also have about 150K in federal student loan debt, but I do income-based repayment on that and don't ever expect it will get paid off. Forgiveness is much more likely, so I don't really consider this loan while making decisions on how to map our future. -We have very little retirement between us. He has some token amount (maybe 6K) but does not have matching employer contributions. He currently puts away $100/month in his 401K. I have no retirement accounts at all. -We currently rent, but would like to own a home in the future. We would like to save up the full 20 percent if we decide to purchase. Note: the mortgage will be in his name, because my federal student loan debt would make it much harder for us to get a loan/good interest rate. -Possible helpful information: We plan to file our taxes separately because of my student loan debt. Filing jointly would up my income-based repayments and I'd rather put that money towards a debt we can actually pay off. So we don't be getting any tax benefits of marriage. How would you approach this situation? Are we screwed? Should we save first, or aggressively pay down debt first? Should we forgo saving for retirement/opening an IRA to pay down debt, or should we start planning for retirement ASAP even if it means extending the life of our debt? *EDIT/FORGOT TO MENTION* The first thing we did was create a $1000 emergency fund. I know they say you should have 3-6 months of expenses saved up. Should we bolster our emergency fund or pay debt first? Or do both simultaneously? We try to live below our means, but we could certainly trim the budget even more and live more frugally. The problem is that we have time-sensitive goals (a house, and children) and feel like our time is running out. I wish I would have done some things in my 20s differently, but graduating into the recession and generic excuse and blah blah blah...hindsight is 20/20. [link] [comments]  |
| What do do with bigger than expected bonus Posted: 26 Feb 2020 02:08 PM PST I was lucky enough to receive a giant bonus (for retention) which would be enough to pay off the remainder of my student loans. However I have also been saving up for a house, and this bonus would allow me to have enough for a downpayment, and a nice cushion for other costs. What would be the smartest choice here? [link] [comments]  |
| Hospital taking me to credit collections after paying for services in full prior to being seen Posted: 26 Feb 2020 02:41 PM PST I was seen a while back and had to go to a speciality hopsital. At the time I did not have insurance so I was REQUIRED to pay for services in full before every procedure or visit which came to $15k. There was also a written agreement as thier policy is if you pay in full for services you get 30% off. Well had services and they just said go see someone else and partially treated issues but not the causes I had seen. Reported to their admin and obviously nothing happened. Fast forward, 2 months I get a bill of the total amount. I call they say it is with financial and I need to call to forward the money over to billing and they will call me. Month goes by, another bill slightly lower, no call so I call and same conversation. Another month goes by I call again same conversation. Another month same thing. Call 2 weeks later same thing. I called this week and they say it is going to collections tomorrow. They looked over my account and verified everything that I was saying but cannot do anything because they are not financial. They callee me back an hour later to "offered" to set up a payment plan to delay for collections but need $300 now to start it. The kicker is the remaining bill is exactly the 30%. Not sure what to do but isn't it federally illegal for collections to collect on paid debt? Is the hospital responsible for the bill? I feel like this is harassment and if I did not have family to help me look over my bills I wouldn't have caught it but it is still going to collections. Any thing anyone can shed light on or should this be in r/legal? Edit: this is US based and was at one of the best hospitals in the nation. [link] [comments]  |
| Am I Screwed From a $50 Collection Where I Never Got a Bill? Posted: 26 Feb 2020 02:32 PM PST Last year, I got very sick and was seeing a different doctor about every two days. When possible, I made sure I paid my $50 copayment at the doctor's office and on the few occasions they did not allow that, I paid the bills as I got them in the mail until I reached my out of pocket maximum. A few months ago, I got a voicemail saying they were a debt collector, but I ignored it thinking it was spam since I always pay my bills and credit cards on time. A week ago, I checked my Credit Karma account and saw a $50 collection from a cardiology office and a large drop in my credit score, which I confirmed with the original number that called me and paid off immediately. The thing is, I never got a bill or a phone call asking me to pay this, which I confirmed by going through the bills I set aside and keep from the mail and checking my call history. Maybe I should have known to expect one from this office and been proactive in asking for a bill, but I have over 100 claims from doctors I visited and tests I had done that I couldn't remember which place I had not paid the copayment for without a bill. I was also checking my bills on my insurance portal weekly and there was never anything reported to my insurance that I owed anything. Am I just screwed over this? I've read that it takes seven years for collections to come off your record, but I had plans to buy a house soon and it seems ridiculous that my life should be changed because of a $50 collection from a bill I never even got. Is there anything I can do to get it removed or improve my credit score? Thank you for the help. [link] [comments]  |
| Posted: 26 Feb 2020 05:21 PM PST |
| Which fidelity index funds to invest? Posted: 26 Feb 2020 06:54 PM PST I just opened a Roth IRA. I put 1k to FXAIX and 150$ to ftihx. Was wondering what else I should put into to meet my max contribution. I'm 23 so probably 100% in stock or 90/10 would be great! Any suggestions? Thanks [link] [comments]  |
| Accidentally just exceeded Treasury series I bond limits. Posted: 26 Feb 2020 01:34 PM PST Did some research about series I bonds as a good place to stash an emergency fund and decided to jump on it. I'm aware the annual limit is $10,000. I intended to do a $10 test purchase and then follow up with the remaining $9,990 for this years limits. Since the minimum limit is $25 I decided to make my first purchase $100. That purchase went through with no issues. Today I placed a purchase for the remainder but just now realized I did it for $9,990 meaning I would have bought $10,090 this year. Will I face a penalty for this and is there anything I can do? Purchase hasn't gone through yet and the money hasn't been taken from my bank account. [link] [comments]  |
| Posted: 26 Feb 2020 01:34 PM PST I have a few questions and I guess concerns about online savings. So one if my concerns is only having 6 withdraws from my savings how offtened does people run into more than 6? I'm between ally and captial one for opening one. I currently only have a checking though woodforest I would open up a savings though wood forest but they need a minimum of 200 and life happens and might need something that puts my savings account less than 200. How safe is online savings? Do they provide anything where I can get money out of my savings besides just waiting a few days before my transfer goes thought to my checking? Updated opened a checking and savings though capital 1 [link] [comments]  |
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