Personal Finance Canceling a gym membership when locations and call centers are closed? |
- Canceling a gym membership when locations and call centers are closed?
- Its times like this that show how important it is to have an emergency fund set.
- Is now a bad time to buy my first house?
- Adult child can't get credit card
- Got a new job, and put my 2 weeks notice in at my old job. Friday was my last day. My new job postponed my start date, as NY shut down non essential businesses. What do I do?
- Work will stop sending out checks until they can re-open operations... What do I do?
- I was currently laid off work. I am a former heroin addict, and during 2018 I did not file tax returns. Can anyone give me some advice?
- Should rent be split per person or per room?
- ATM company 'stole' my money
- Turning in car lease at end of term, dealership rep says we owe $400 acquisition fee unless we lease a new car
- My mother just sold her house before this stock crash so has cash on hand and has never bought stocks before...
- Unemployment question
- Secure job in secure industry: Should I invest now while saving for a down payment, or hold off on adding new money to my portfolio?
- Vangurad /Fidelity S&P Index funds which one to pick up ?
- Employer has frozen PTO
- Girlfriend received CP2000 for 2018 returns in mail, need guidance please
- Turbotax filed already, specified April 15 to pay. Is it too late to change date?
- Re-Signing Lease (1 year or monthly)
- Use a personal loan to pay off credit card debt?
- Traditional IRA vs roth IRA. Which one is right for me
- 10 Years Behind on my Taxes
- Medical Debt Collection
- In contract on house, getting cold feet with everything going on
| Canceling a gym membership when locations and call centers are closed? Posted: 21 Mar 2020 06:46 AM PDT I have a membership with 24 hour fitness and just got laid off, so obviously it's time to cut unnecessary expenses. Normally you cancel in person but obviously they're closed. I called their phone line and it's an automated message about how they closed their call center and that it'll take them weeks once they reopen to catch up on emails. They say "rest assured your membership will be extended by the length of our closure." That's ridiculous. My question is, since the offered methods of cancelation in my contract aren't available, what do I do? Can I do a charge back with my credit card? [link] [comments]  |
| Its times like this that show how important it is to have an emergency fund set. Posted: 21 Mar 2020 06:19 PM PDT Most people don't think about what could happen if they lose their job if the economy is doing great. However, as soon as people are laid off and have a hard time finding work elsewhere, then they wish they had saved money but unfortunately by then, it's too late since their source of income is now gone. [link] [comments]  |
| Is now a bad time to buy my first house? Posted: 21 Mar 2020 08:58 AM PDT Saved up and had been planning on purchasing a house for the past few months and then this all happened. [link] [comments]  |
| Adult child can't get credit card Posted: 21 Mar 2020 10:40 AM PDT When my son was 15 I added him as an authorized user on my Visa card, thinking it would build his credit score. I use the card for work, my portion is commonly 8 or 9k/month, he usually charged 25 or 50 a month. Now he's 19 and in college (if sitting around the house "tele-learning" is college). His Vantage score is 761. He's applied for his own credit card and got denied. The reason given is his application shows a couple thousand a year income and a monthly Visa bill of 9k/month for the last 4 years. He's applied at Chase, BofA, and Wells, which all offer college student credit cards. He's called all three after being denied, all three can't grasp that they're including the parent balance, not his own. I cant be the first guy to do this, is this how it works? Did I screw up added a minor as an authorized user? Any suggestions? [link] [comments]  |
| Posted: 21 Mar 2020 11:19 AM PDT Hello, as the title describes, I accepted a position at a new company, put my two weeks notice in at my old job, worked the 2 weeks and my last day was Friday (yesterday). My new job is shut down due to non essential workers being mandated to stay home by Governor Cuomo. (New York) My starting date has been pushed back indefinitely at this point. What options do I have? I will be applying for a mortgage waiver (once i figure out how to do so). Under normal circumstances, I don't think i'm eligible for unemployment, as I chose to leave, but have things changed due to the corona virus? I feel caught in the middle. Thanks. [link] [comments]  |
| Work will stop sending out checks until they can re-open operations... What do I do? Posted: 21 Mar 2020 02:20 PM PDT I am a contractor and my employer had to cease all operations but I'm not technically laid off. If/ever this COVID-19 stuff is over, I will be able to go back into work and the work I can do remotely will be paid to me when operations come back up. I don't even know if I can apply for unemployment but this is extremely concerning.. Edit: Adding that I am a contractor working as a 1099 [link] [comments]  |
| Posted: 21 Mar 2020 11:13 AM PDT I am now sober and been building my life back up. I just was laid off yesterday. From 2017- early 2019 I was horribly strung out on heroin. With my horrible behavior I did not file taxes those years. I have filed for this past year. My questions are this..
Thank you for any answers. [link] [comments]  |
| Should rent be split per person or per room? Posted: 21 Mar 2020 03:13 PM PDT Needing advice on payment situation for housing. I have 4 (5 total) roommates and we're looking at a 4 bd house for 1500/month, no bills paid. 2 of the roommates are a couple and don't think they should pay more base rent because they are sharing a room. Another roommate sees it as rent should be divided by people. They've agreed utilities will be split 5 ways but are refusing to pay double for one room that is not substantially different from the others. Is it normal for couples to pay more or just pay per room basis? [link] [comments]  |
| Posted: 21 Mar 2020 07:28 AM PDT Back on 13th November 2019 11:55am I had to withdraw some cash. Went to an ATM in Austria, entered my card and PIN, then found out it was one of the ATMs that charge a fee, operated by the company ICcash. 2€ for a 40€ withdrawal. I don't support that, especially since they only inform you at the very last possible moment, so I aborted the transaction, got my card back but NO money. 5 minutes later I withdrew the money at another atm. A day later they charged my bank account. I filed a chargeback and got my money back within a week, all good. Beginning of February they charged it again, no comment whatsoever. My bank is not doing a chargeback, because the ATM operator claims the withdrawal was legit. The won't show any proof, however. So I tried contacting ICcash directly, they confirm they received my mail, but won't respond. Went to the police, they won't do anything because its not fraud in their opinion. My bank won't do anything, because the ICcash claims that it was a legit withdrawal. I am 100% sure I did not receive any money and aborted the transaction. Anything I can do? Its just 42€, but why the hell should I pay for something I did not get and did not want? Any help is appreciated. [link] [comments]  |
| Posted: 21 Mar 2020 11:42 AM PDT Title. The lease shows a $595 acquisition fee which is lumped into the "Total Gross Capitalized Cost" (I don't know I'm what this means). We have made all payments and the lease is up. Is paying the acquisition fee at the end a thing? I thought it was paid initially or factored into the lease payments. [link] [comments]  |
| Posted: 21 Mar 2020 05:30 PM PDT She's thinking of investing like 10k into some kind of fund that is like a mutual fund (not just one particular stock). What's the normal course of action to do something like that, I'm sure there are many, what do you recommend? Thank you! [link] [comments]  |
| Posted: 21 Mar 2020 07:17 PM PDT So my cousin works full time at one job and on the weekends works at Texas Roadhouse as a server. She obviously isn't getting any hours at Roadhouse now and is having a hard time making ends meet. There's no way she can get unemployment for those lost hours right? [link] [comments]  |
| Posted: 21 Mar 2020 10:21 AM PDT I have a secure job making around $100k annually. Currently, I'm maxing out my 401k with biweekly deductions and saving a bit for a down payment. At the moment, I have about 15% of a down payment saved and (fortunately for the current situation) sitting in the bank. With the market dropping daily as it is, though, I'm wondering about future investments in the immediate term. Would I be better off continuing to put several thousand a month into my 401k and saving a small amount for a down payment? Or would I be better off lowering my monthly contribution, saving as much cash as possible, then using whatever's necessary for a down payment in the nearish future and putting the rest into the 401k (and possibly other investments) once the market stops dropping? In my head, keeping the money in cash right now will make it more liquid, and will allow me to leverage the (roughly) lowest market prices of possibly my life time (barring a giant recession). Once the market starts going back up relatively consistently (like say for 2 weeks straight), I'll know that it's about as low as it's going to get, and any investments at that time will likely be made at close to the most opportune time. If we get towards the end of the year and the market is still going down or is bad, then I'll still have cash on hand to make an investment into my 401k at that time, before I lose this year's opportunity. Is this a terrible idea? [link] [comments]  |
| Vangurad /Fidelity S&P Index funds which one to pick up ? Posted: 21 Mar 2020 12:15 PM PDT I just funded my Roth IRA in Fidelity and kind of confused to pick which ticker either in vanguard / fidelity. I came across the following tickers and there are some more similar which tracks S&P 500. VTSAX / VFINX / VOO/ VFIAX/ VTI/ FZROX Question is is which one to pick and the reason to pick ? Is there any comparison chart like pros/cons for these multiple tickers that track same index? [link] [comments]  |
| Posted: 21 Mar 2020 05:09 PM PDT As the title says my employer has decided that no one in the company can use pto. I've gotten sick, not the virus just a cold, and I was told I can't use pto time for the 2 days they said I can't come back. Can they do that? I'm also scared to even try and fight it as we're laying off a ton of people at the moment. It's been explained that my job is safe at the moment as I'm essential to company operation, but I feel like if I argue they'll just lay me off with the rest. [link] [comments]  |
| Girlfriend received CP2000 for 2018 returns in mail, need guidance please Posted: 21 Mar 2020 05:14 PM PDT My gf worked at 2 different companies in 2018, and I made the honest mistake of forgetting to add one of her W-2's to her return...yikes... [link] [comments]  |
| Turbotax filed already, specified April 15 to pay. Is it too late to change date? Posted: 21 Mar 2020 07:51 PM PDT We filed taxes already using Turbotax and we owe money. We specified that the funds be taken from our account on the original due date in April. Now that the due date has moved to July, how do we make is so that our payment happens later too? Turbotax's website seems to imply that they can't change it and we have to talk to the tax boards directly (state and fed both). Does anyone actually know whether we have any hope of delaying payments? [link] [comments]  |
| Re-Signing Lease (1 year or monthly) Posted: 21 Mar 2020 01:28 PM PDT I currently have a job in a very unstable industry. My company furloughed hundreds of employees just this week and I was fortunate enough to stay employed. It's a large company and I do feel that I'm valued but the current economic situation does not bring me comfort. I currently rent, and need to make a lease decision by the end of the month. Given my employment, I'm unsure of the best route: $1350 for one year $1550 for month-to-month I am currently single, with no kids. Savings of about $23k...only debt is a car loan. Month to month seems obvious? But if we can get over this economic hump in 6 months, maybe locking in at a lower rate is fine? Something else I should be considering? [link] [comments]  |
| Use a personal loan to pay off credit card debt? Posted: 21 Mar 2020 07:21 PM PDT So I have $25,000 in credit card debt and I have to pay $500 a month minimum until I pay it off. I try to pay at least $550 every month to try and stay on top of it, but the restaurant I used to work at had a fire in November and has been closed since. They planned to open in April but here we are now with Corona virus lol... they were paying us up until 2 weeks ago and now we have to figure it out. I tried looking for another job but due to this lovely pandemic, I'm having a hard time finding work... I use credit karma to monitor how I'm progressing as far as clawing my way out of the hole I dug for myself, and saw that I could be approved for a $7,600 personal loan which might help with my credit card debt during this uniquely difficult time. I really don't think it's a good idea to add more debt on top of what I'm already struggling with, but I'm reading some stuff online saying that it might actually help lower my payments. Granted, $7,600 would chip away at the debt, but then I'd still have to pay back $7,600 later and I have no idea when/if I'll find another job... [link] [comments]  |
| Traditional IRA vs roth IRA. Which one is right for me Posted: 21 Mar 2020 07:12 PM PDT Hi folks, long time lurker here. Due to current market situation, i would like to contribute more to my retirement accounts. I understand the tax treatment difference between traditional IRA and Roth IRA. However, I am having a hard time deciding which one to fund first. My wife (32F) and I (31M) are already maxing out our 401k contribution. Our current federal tax bracket is 37% which makes me think traditional IRA is better option. Am i missing something here? Any thing else to consider? Thanks in advance! [link] [comments]  |
| Posted: 21 Mar 2020 08:58 AM PDT I had scheduled an appointment with H&R Block, they told me that I had to get the records from the companies I worked for in the past 10 years, many of which are small businesses. It's just that it's very embarrassing to call them all and ask them for all of my info, some of my restaurant jobs in my early 20's didnt go too well. Is there any expert I can call in which I can simply give them my employment and personal info, along with a load of cash to catch me up on filing? I'm willing to pay whatever, I'm pretty financially secure now. Any advice would be appreciated, thanks. [link] [comments]  |
| Posted: 21 Mar 2020 10:56 AM PDT I'm a 26 year old woman. In August 2018, just after I graduated with my master's degree and started working as a salaried employee in May, I became extremely ill and went to the ER. After a couple of months of many tests, doctors, hospitals, etc, I was on the long road of recovery. I had to move out of my apartment during this time, and I couldn't keep all of my medical bills straight. Two accounts went to collections, which I know because 2 collections agencies call me, but I don't know what accounts those are. I got serious about my finances after I started to recover, and I've been working the baby steps and am currently paying off my debts. I still deal with chronic health issues and am doing my best to pay off my debts while paying in full for any ongoing medical expenses I run into. I've been fearful of answering the phone because I don't want to make things harder for myself with these debt collectors and their tactics. I don't want to get screwed over. I woke up this morning to a credit notification that an account has just been opened by one of the debt collectors who has been contacting me for over a year. I'm not sure what to do. I think this is the debt collector that has the ER account which was like $2500 roughly. I want to pay it or settle if possible because I'm worried about it ever going to the courts. What would you do to deal with this? Call them back? Or do everything through writing? I just don't know how to speak to these people and want to make sure I don't do anything that would screw me over in the end. It's also obviously a crazy time so I'm worried about paying money to collections and screwing myself over if I get laid off, which is hopefully unlikely since I'm considered an essential worker at this time. Thanks in advance for your help. [link] [comments]  |
| In contract on house, getting cold feet with everything going on Posted: 21 Mar 2020 02:44 PM PDT Hi. To keep this short, I have about 13k total. I have a car that is 0% for 5 years that has 5k left on it. I am in contract to buy a house that will cost me 9k in a downpayment. I close in a month and have clear to close. I am getting cold feet and from the advice from a lawyer friend, he told me that if I want a way out I should tell my loan officer that I think I may get fired. I don't actually think this but it is a possibility... How should I handle this? I can afford this house, but it worries me a lot spending 90% of my savings in one chunk during times like this.. Thanks in advance. [link] [comments]  |
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