Personal Finance Leave $16/hr ft benefit position for a $30/hr ft 18 month contract position no benefits |
- Leave $16/hr ft benefit position for a $30/hr ft 18 month contract position no benefits
- Monthly bills crushing us financially
- When job switches it’s 401k manager, does it necessitate a need to evaluate investments again or do things stay the same?
- Landed a 45k a year job at 22, what's my next step?
- With the market starting to fail because of the corona virus outbreak, should i still keep putting money monthly into my target date retirement fund as I've been doing before, in spite of the loss in value of stocks or hold off.
- I have been mistakenly reported dead to credit companies.
- Forgot to file 1095-A on TurboTax and got a letter from the IRS
- If you have At&t Uverse I internet, make sure they didnt automatically enroll you into Uverse TV
- 18yo turning 19 soon wondering what i need to do in order to make smart financial decisions and be self sustaining.
- Mortgage was sold new company charging $7.50 for online transactions
- Closed bank account, buying a house and was asked for 3 months of statements?
- I’m getting a promotion
- IRA Vanguard Mutual Fund help
- What’s the standard cost for a financial advisor?
- Is credit mix really important?
- Barely dodged a huge bullet related to the Equifax hack. Beware of scam artists pretending to be your bank's fraud dept.
- Stolen credit card brought utilization to 95%, tanking credit score?
- Received two weird 1099-B from Citibank titled "Project Optimus Distribution"
- Help with Form 8962 part 4
- Student Loan Servicer put my loans in forbearance with out my permission
- What surprises should I expect when buying my current auto lease?
- Offered 1.99% Financing on a New Honda, Does it Make Sense NOT to do a large down payment?
- Student loan debt tax return garnishment.
- Health care provider not honoring on-time payment, threatening collection action
| Leave $16/hr ft benefit position for a $30/hr ft 18 month contract position no benefits Posted: 25 Feb 2020 07:40 AM PST {Old post I made with my phone} Currently I work for a company making $16/hour position that offers pretty decent benefits and reasonably priced health insurance/dental/vision etc. There is an opportunity for a position that would pay $30/hr but would offer no paid sick or vacation time and no benefits in any form. 18 months and i could get hired in or the position could get renewed. I could take time off I just wouldn't get paid. Is the $30/hr a better opportunity overall or am I better off working for a company with no end date for my employment. Contract position is through a staffing company. Thank you for all the advice. I will try to update this post later with more information and respond to some of the questions. I appreciate the difference in opinions and arguments for and against. [[[ [[[[[ [[[[[[ {New post I made with my laptop} Update: So I read through some of the comments so I am going to make things as clear as possible without oversharing myself. Also I think some are getting caught up on the word contact and confusing it with a 1099 contractor. Also thanks for all the comments and up votes. I will keep on updating my post with more information as I go through more comments but hopefully I clarified a lot of things. I appreciate all of the advice it means a lot. Both roles are IT and the commute is basically the same. About Me: New Home Owner Have an Auto Loan Student Loans High 20s Good Health Lives with long term gf who is employed full time. I could be on her health insurance next year around this time. Been at current job for less than 3 months. Previous role was software support for 1.5 years. Also did hardware support. No degree in computer science or IT. Just two bachelors(Anthropology, Geography) and a GIS Certificate. No kids. Just 2 pets. Don't have a lot of savings as I just bought a house. Job 1: Currently I work in an IT Role monitoring internal and external systems(servers, firewalls, antivirus etc). Company has multiple locations and probably 300+ employees and is growing. Room for advancement in my current department. $16/hour before taxes paid weekly Take home $484.61/week after taxes and benefits. Not currently eligible to contribute to my 401(k). Benefits (Health(Priority Health),Dental,Vision,Critical Illness,Accident): $25.89/week 5% annual bonus per fiscal year. Also quarterly department bonus. 401(k) Matching 120% on first 6% eligible for the match after 1 year and it is dispersed once per year. Vested after 3 years Tuition Reimbursement up $1,500 a year. Free programming classes (5 classes) online at a community college. I am interested into getting programming which could lead to other opportunities in company. 10 vacation days/24 hours for personal leave/48 hours of sick leave/6 holidays. 2 x base earnings up to a maximum $175,000 life insurance policy. Short and Long term disabilities. Job is pretty easy and I can watch tv shows while working. Job 2: IT Lab Technician is the title $30/hour before taxes Possibly some overtime, and ability to make up some hours. I would work in Michigan in the same city down the road from current job. Working through a staffing company out of Colorado called Modis as a w-2 employee on a 18 month contract. Not a 1099-Contract, Contract could be renewed after 18 months or converted into an employee. Staffing company has has good results with G.E. Would work for a well known company (General Electric) which could help in applying to other positions. Sounds like I would get no paid time off and I could makeup hours for unpaid holidays off. No benefits so everything is out of pocket. Job seems like it could be harder work but more fulfilling. Don't feel like I can negotiate position as it is entry level and replaceable. Plus I have only been there less than 3 months. I do feel if I kept the current role I would need to find a second job to supplement my income which I have done in the past by waiting tables. Where is a good place to go to get a feel for how much I would need to pay for health insurance etc? Also would it be weird to ask my hr department how much they pay for me for certain benefits? Any thoughts on the staffing company Modis or G.E? [link] [comments]  |
| Monthly bills crushing us financially Posted: 25 Feb 2020 04:35 AM PST We are struggling to pay our monthly bills due to multiple credit cards and loans. We're married and both work full time. Take home income after taxes is $4,000 combined. We have tried to budget but we keep failing because we keep needing to do unexpected maintenance and we haven't budgeted for household items or clothing. I worked a lot of overtime toward the end of last year and we were almost caught up but we were still short every month. We just pushed bills and talked with creditors. But now they stopped giving overtime at my job and my wife can't get overtime. So we're now a month behind and late payments are starting to affect our credit. We messed up by getting multiple personal loans last year and now we're in a huge hole. I have no idea how to prioritize paying these creditors with the money we have and to not wreck our credit further. I'm not sure if I should just stop paying certain creditors until we get on our feet and have a savings. We keep having big $1000+ expenses pop up(vehicle related) and having no savings crushes us. I listed below our income and expenses as well we balances on loans. I put "cc" next to the loans that are credit cards. Is there any way I can move debts into something else(balance transfer) or if I could just get some advice on what to do. I'm so stressed about this and I feel like I'm drowning. Also I considered a second job but at only $10 an hour, I would have to use child care and if I worked 30 hours I would probably only bring home $125/$150 on that.. which is why I haven't done that yet. // Mortage $722 Total expenses = $4863.26 End of month balance = -$857.26 Loan 1 $3000 [link] [comments]  |
| Posted: 25 Feb 2020 08:03 AM PST Work for Walgreens and they switched from empower to fidelity. My 401k is in the 2055 target retirement fund. Through the 5 years with empower I had a 9.5% annualized return which was acceptable to me. Jan 1 we switched, and since then I've been down 2.5%. I typically don't look much, but I've had to go in and set up some things with my new account. I know the market has been iffy since the beginning of the year, but it got me thinking about if my investments actually change when we switch companies or if my investments stay the same? Thanks for the info and help. Edit: second thought as well while I'm here. I have approx 155k in my 401k currently. I'm 29. Is there ever a point when I should "graduate" my investments beyond the target date fund, or is it essentially best to ride that until retirement. [link] [comments]  |
| Landed a 45k a year job at 22, what's my next step? Posted: 25 Feb 2020 05:59 PM PST So basically I'm overwhelmed with this amount of income since my current job is 13/hr. I'm right out of college looking to put my loans in forbearance for a year (35,000 in loans), ~3k in credit card debt, monthly bills total about 400 a month. My goal is to maximize savings while paying down the credit card. I just want to have some input what I should be doing or just maximizing savings while I still live at home! [link] [comments]  |
| Posted: 25 Feb 2020 07:09 PM PST |
| I have been mistakenly reported dead to credit companies. Posted: 25 Feb 2020 03:23 PM PST I am the third person in my family by the same name in the last 3 decades. My grandfather, father, and I share the same name. My grandfather died and a bill occurred by our name at his death. I was reported dead in 2015 on this bill and it affected my credit negatively. If I knew about it I would have paid it ... (its not a big one) I recently went to the bank to pull a credit report from Equifax just to see where I am at. I am in a good place because of work and marriage but was looking to see what my good debt to bad debt ratio was, I never buy anything with credit and normally don't need it. I spent a few hours on the phone with the credit viewing company to no avail. What are my next moves? I feel like a birth certificate and current drivers license should fix it but I can't even get to that point with these people. I also am aware that after a number of years it has been sitting at this point that it could be just as bad to pay off the debt and could be better to leave it as a charge off. [link] [comments]  |
| Forgot to file 1095-A on TurboTax and got a letter from the IRS Posted: 25 Feb 2020 04:50 PM PST It's my first time filing taxes on my own and I used TurboTax because my friend recommended it (and it was free). Anyway, it all seemed very straightforward. I ended up putting that I had no healthcare coverage because, well, I didn't remember having any for 2019. Fastforward and I get a letter saying that I missed my 1095-A. What do I do now? Do I use TurboTax to file an amended tax return, or is there a different way of doing things? Should I go to a local IRS office? I'm scared and worried now because I was hoping for that refund and thought I did everything correctly. Next year I'll wait until the end of February to make sure I got all the documents before filing. [link] [comments]  |
| If you have At&t Uverse I internet, make sure they didnt automatically enroll you into Uverse TV Posted: 25 Feb 2020 10:08 AM PST I got an email from At&t this morning in my "others" tab in outlook around 8am saying a tech would be out at my house at x hours in 2 days. Called them up to see what the deal was and the rep is stating I called them last month and scheduled this (I didnt) so I had to stay on the line with the cancellation dept for a few mins to cancel it. Not sure if it was just me or an abundance of people this was being pushed on, just wanted to spread the word in case. [link] [comments]  |
| Posted: 25 Feb 2020 02:51 PM PST i currently live with my mom and her husband and go to high school, i have a job that ive worked at for about 1.5yrs. I save most of the money i make but I also help my mom with bills food etc since she cant work and her husband is useless as he hasn't had a job in over 4yrs because he's a dickhead. i have had a bank account for a few years and have about 7k in my checking account from saving, and have a separate savings with about 1250$ which i created in october, i dont have a car yet and am gonna be graduating in may, as well as starting college in August.I want to plan on moving out during the summer, any suggestions? ask further questions for more info if needed. [link] [comments]  |
| Mortgage was sold new company charging $7.50 for online transactions Posted: 25 Feb 2020 07:06 PM PST I live in CA btw. What can I do? I have always paid on time and I have been overpaying each month. My mortgage has been sold twice now. The first two companies allowed me to use the same portal to pay and they did not collect any online fee payments. PHH mortgage just bought my loan and this is the first month I have to pay them. I had to sign up to a new payment portal and when I went to pay the are adding $7.50 for my online payment fee. If this was over a 30 year loan it would equal close to $3,000. Is this legal? I googled it and saw stuff about class action lawsuits and that in some cases it violates the mortgage companies own term of service. Anyway I can find out if mine violates these terms? [link] [comments]  |
| Closed bank account, buying a house and was asked for 3 months of statements? Posted: 25 Feb 2020 04:31 PM PST I closed my old bank account last month and opened a new one. I don't have my old statements anymore and am trying to buy a house. On my applications it asks for 3 months of statements... will I be screwed until I get 90 days under me? Edit to say thanks for all the replies and suggestions! [link] [comments]  |
| Posted: 25 Feb 2020 04:27 PM PST So I'm getting a promotion to a supervisor position. I currently make $12/h is it reasonable to ask for $15? I don't expect to get $15 but I think it's better to ask for more? I've never done this. Edited: changed management to supervisor because it fits better [link] [comments]  |
| Posted: 25 Feb 2020 05:20 PM PST Hi I'm new here and am 63. I have Vanguard Health Care fund. It usually bounced back up but now I'm afraid because I'm going to retire in another 3-4 years. Should I cut my loses sell from Roth IRA and Traditional IRA, or will it go back up. I also have a lot in Vanguard Index 500 mutual funds too. Thank you [link] [comments]  |
| What’s the standard cost for a financial advisor? Posted: 25 Feb 2020 07:49 AM PST Hi all, I am newly doing financially rather well in life, as a self employed person, and finally in a position to make moves finally at 37 for setting up and contributing a decent sum to my retirement fund, setting up and funding two college funds, learning how to invest for myself and my kids, etc. I want to spend the next couple years really funneling these things to set up my family's future and make up for lost time. Unfortunately I'm not very well educated in how to make all this happen despite having the means to now do so, so I want to hire a financial advisor to guide me to maximize these efforts. Doing it all myself via Vanguard etc is just not an option at all right now, as I need a baseline of someone educating me and getting me pointed in the right direction for how all this works, I really do need a professional, especially w the added complication of being self employed. I finally took a leap and spoke w a financial advisor for a free consultation over the phone. They sounded great, and the lump sum was $125 per month flat rate. Kinda high I think, but would this be considered the norm? What should I look for when trying to choose my advisor, as for as how and what they get paid? I am willing to pay for great advice and money management but I have no idea what's considered a rip off and what's not. [link] [comments]  |
| Is credit mix really important? Posted: 25 Feb 2020 06:53 AM PST My wife and I just moved to the US, she is a citizen but was gone for a while. She applied for a US credit card 7 months ago only to build credit, we put netflix on that card and set it to autopay and haven't used it for anything else (and will continue to never use it) and her creditkarma went from no credit info to 725-740. She also just added me as a authorized user on that card since I just got my SSN but I don't have a score as of yet. We have pretty high income and would probably want to buy a house/apartment next year. The person we spoke to when opening my account at Bank of America said that my wife should definitely get a 2nd line of credit because that is important when applying for a mortgage. Is this true? And if so what should she apply for? We have 0 need for credit, we don't plan on using any credit cards, we have plenty of income, no debt and we have savings. I understand credit needs to be used responsibly and we are only considering getting it so that we can get a good deal on the mortgage. [link] [comments]  |
| Posted: 25 Feb 2020 07:16 PM PST Embarrassed to admit it, because I like to at least think I have at least average intelligence, but I got totally duped today by scam artists who claimed to be from my bank's fraud dept. It started when I got a text message stating that a fraudulent charge was made, but it was blocked. I had to text 'YES' or 'NO' to respond whether the charge was legit or not. Now normally I don't respond to spam texts, however, I do sign up for fraud alerts from my bank, so I thought nothing of it. I replied NO. About 2 minutes later I get a call from a number identical to my bank's number. The guy on the phone sounds legit, claims is from the fraud dept, and is investigating the issue. He starts off by asking the cost of my latest transactions, what my address is to confirm, etc. etc. Alarm bells were not raised yet. I get put on hold because he said the manager had to review the account to determine putting the account in freeze and what the course of action would be. He thanks me for my time and hangs up after confirming the fraud activity has been taken care of. Later in about 45 minutes later, my bank phone number calls again. Stating that they forgot some info, needed to update some more information, etc.etc. (I don't remember the exact convo). He stated there was a guy on the phone trying to impersonate me who probably called in because the debt card I had frozen was frozen and that the scam artist was trying to steal my identity. In order to confirm that he truly had the right person on the phone, he needed me to verify my account and ID with a little bit more info. He asked whether I had any outstanding loans with the bank and for what quantity as a way to test my ID. I told him. There were a few other questions. I told him. Note: he did not ask for insane things like social security number or bank account number, I would have caught those. I've been on the phone before with fraud depts and they've asked similar questions before, thus alarms were still raised. Again I get out on hold for a while while he updated the manager. He thanks me for my time and states that my account is secure and that they will follow up with a secure text message to confirm. One hour later goes by. I still haven't received the text. I get a 3rd call from my bank's exact phone number. The same guy is on the line stating that he made a mistake and that I hadn't received the text message because he forgot a few more things. He started asking questions, when finally I started to catch on. And that was only when he asked what my user ID was for my online account and that afterwards I wouldn't be able to access my account for the next 24 hours while it was being frozen, but to remain patient. At that point I had a sinking feeling, like something wasn't right. I paused, tried to think quickly, and said 'shoot! Hold, on, I got an emergency call I gotta answer, can you call me back!'. Here's what happened: I immediately called my bank at the same number that was calling me and directly talked to the rep. She immediately informed me I was being duped. I was being placed on hold, because the guy trying to scam me who claimed he had an impersonator on the phone was in fact trying to impersonate me and was calling my bank while I was on hold. He was trying to use the seemingly benign answers I was supplying him with to try to gain access to my account in order to place a travel notification that 'I would be traveling abroad' where I'd need access to money so that when the scam artist would withdraw money it wouldn't raise red flags. The scam artists were able to spoof my bank's phone number to make it appear like it was indeed my bank calling. After directly calling my bank myself after catching this scam barely at the last second to save my finances, the bank froze all of my accounts including my wife's. We now have to change all of our information and passwords etc and go in person to do it. Better than losing money I guess. But the real bank rep who informed me I was being scammed said it all stemmed from the Equifax breach, and that criminals got my information from it (like my name, phone # , and who I do banking with). Beware out there, especially if you were a victim of the Equifax hack. There are grade A Hollywood acting criminals out there who are using banks' own infrastructure and typical security procedures against them and you. Yes, I know my story sounds utterly insane, and how could anyone possibly be so stupid to fall for suv a dumb scam. Believe me when I say this, it did not feel like a scam at all until way late in the game. The scam artists clearly know how to manipulate human psychology and leverage that people are afraid of conflict if they do sense something is wrong. My saving grace is that I suppose I am overly skeptical of human intentions and am a little bit more paranoid than average wrt privacy and security. I don't use social media like FB, Twitter, or Instagram, and usually use fake information when signing up for a lot of things. Trust your gut feelings if you get a whiff that something is up. Do not answer any texts or calls even from legit numbers. If there is true fraud the bank can leave a voicemail and you can call them back. I never in a million years thought I would have fallen for such an insane scam. [link] [comments]  |
| Stolen credit card brought utilization to 95%, tanking credit score? Posted: 25 Feb 2020 05:25 PM PST Earlier this month my credit card info was stolen and had charges that brought up the utilization up to about 95%. It had this balance for several days until discover reversed the charges. When I went into credit karma it showed a drop of 90 points because of the utilization. Is this drop in score permanent or will it reverse itself when the systems update? Thank you [link] [comments]  |
| Received two weird 1099-B from Citibank titled "Project Optimus Distribution" Posted: 25 Feb 2020 06:48 PM PST Google search reveals nothing. Has anyone else received them? [link] [comments]  |
| Posted: 25 Feb 2020 06:47 PM PST I got a wonderful letter from the IRS saying they need more stuff from me. I got married in August and am filling jointly. This apparently has to do with my wife's health insurance for the year 2019. I am most of the way through Form 8962, but I am stuck at part 4. Do you know how I can calculate the percentages for 30 e (premium percentage), f (SLCSP percentage), and g (Advance payment of the PTC percentage)? Any tips/help would be appreciated. [link] [comments]  |
| Student Loan Servicer put my loans in forbearance with out my permission Posted: 25 Feb 2020 05:11 PM PST My student loan servicer is OSLA. I recently started paying my loans this January, I graduated in May 2019. I have made 2 auto payments(on time of course) for the past 2 months. Today, I opened my mail and received a letter saying that my deferment request has been approved. My next payment is due on 10/12/21. I did not make this request. I went into my account online and it says I am in forbearance. It is starting to charge capital interest now, only $11 so far but still. How do I dispute this and get them to reverse the interest? I have heard nightmare stories of dealing with these student loan servicers. I am taking one class at a community college, so that could be the only think I could think of that would set this off with out me calling in or submitting a request online. I did not fill out FAFSA though. Any advice would be appreciated. [link] [comments]  |
| What surprises should I expect when buying my current auto lease? Posted: 25 Feb 2020 05:05 PM PST My car lease is up in a month and I'm leaning toward buying my current car. Nothing else makes more sense financially. This is the first time I'm doing this and I want to make sure I'm covering my bases. I looked at the buyout quote online and they're quoting $11.8k. I have the cash but I also want the option to finance it. Two questions:
Thanks for any advice! [link] [comments]  |
| Offered 1.99% Financing on a New Honda, Does it Make Sense NOT to do a large down payment? Posted: 25 Feb 2020 08:19 AM PST Total price of the car before taxes/fees is $24,700 . I was offered 1.99% financing. I have the money for a large down payment, but would it not make more sense to put that money in the market instead since the interest rate is so low? Additionally, does it make sense to do even a longer loan like 72 months instead of 60 months when the rate is this low? [link] [comments]  |
| Student loan debt tax return garnishment. Posted: 25 Feb 2020 08:04 PM PST Asking this question for my sister. For the past few years her tax returns has been garnished due to non payments of student loans. I keep telling her she needs to take care of this. What steps does she need to take to restart payments and stop the garnishments? [link] [comments]  |
| Health care provider not honoring on-time payment, threatening collection action Posted: 25 Feb 2020 04:13 PM PST I had a medical procedure completed at a clinic which operates under the umbrella of, lets call them, "Medical Partners". Approximately 2 weeks later I received a bill for the procedure sans insurance's portion. I paid the provider 5 minutes after opening the envelope as I was expecting this bill. No problem right? Wrong. The bill was printed on a letterhead that displayed the logo of "Medical Partners", printed clearly "Medical Partners", and an additional specifying name of their specific clinic/location. I receive an additional letter asking for payment, I brush it off as I think due to the nature of me paying it so quickly that possibly their billing system/mailing is lagging behind. I checked my banking statements and confirmed the exact amount was paid to "Medical Partners". I then receive an additional letter asking for payment. I call the number listed on the "Medical Partners" bill, and receive a very dismissive individual (I am not here to bitch about customer service so I will forgo the details) stating the following: "Oh well based upon the information that you provided from your statement, it sounds like you paid "Medical Partners", and we are still working on integrating our billing systems." "OK so you can just get the payment from your own company than, which I clearly paid, based upon the letterhead on the bill you sent me?" "No we won't be doing that" I do some research.... and "Medical Partners" and "Clinic-Location" merged in 2013. They are the same company but they have, in over 7 years of being merged and legally the same entity, been unable to un-fuck their billing systems. What kind of recourse do I have here? [link] [comments]  |
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You should see how my colleague Wesley Virgin's biography starts with this SHOCKING and controversial video.
ReplyDeleteYou see, Wesley was in the army-and soon after leaving-he found hidden, "self mind control" secrets that the CIA and others used to get anything they want.
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