Personal Finance Chase forcing me to go to a branch to repay $.19 they accidentally gave me |
- Chase forcing me to go to a branch to repay $.19 they accidentally gave me
- Is buying a house in the next 6 months a terrible idea?
- Connecticut USA. Employer just announced a 50% pay cut across the board in lieu of being laid off. Am I still eligible for benefits?
- I am sharing my spreadsheet template to make monthly budgets and long term financial plans!
- My employer has asked me to take a 25% reduction in pay? What should I do?
- Does anyone know if the deadline to max out Roth IRAs was extended to July 15 (in conjunction with tax filing extension)?
- Should I pay off my credit card in full?
- Why Do I Owe Taxes
- $24k in Debt; $10k coming my way
- I worked for a small business, delivering cakes and muffins to restaurants and coffee shops. Obviously, I lost my job. I'm close with the owner, and I don't want to hurt her financially
- (USA) Roommate decided to move back home this past weekend with no notice. Can I keep his security deposit to pay April rent?
- My job has closed for the immediate future. My boss is filing unemployment for all of the employees. What do I need to know about unemployment relief?
- General question about stocks
- First time home-buyer...where should I get a loan? Bank or credit union?
- Hire Lawyer to Negotiate Physician Contract?
- Cannot access my funds at Bank of America
- Apartment's washer/dryer costing me $50-60 a month on the electric bill...
- Home Equity Loans Coming Back Anytime Soon?
- Anything I can do to prepare for a lay-off?
- What do do with an inherited IRA?
- 401K Match being cut, should I do anything?
- Update from my last post: I left my job following a new offer last Friday, and the new job offer got rescinded
- Kind Of Off-topic but can I can't payoff my leased car anymore. Is it best to just return the vehicle?
| Chase forcing me to go to a branch to repay $.19 they accidentally gave me Posted: 24 Mar 2020 12:06 PM PDT Fuck Chase. Opened a Chase savings account a year ago for the bonus, and when i closed it out last week they ended up giving me 19 cents more than I had in the account after accrued interest. Called their customer service several times and got a "too busy" signal/couldn't get through, today sat on hold for like an hour to talk to customer service because a banker at my branch said it was likely just a clerical error, and when I finally got through they said that i owe them money, and because my account is pending closed I cant transfer it or mobile deposit (according to the customer service rep), but have to hand deliver 19 fucking cents to the physical branch. Fuck Chase, they're never getting a dime from me again [link] [comments]  |
| Is buying a house in the next 6 months a terrible idea? Posted: 24 Mar 2020 05:27 AM PDT So my husband and I were planning on buying a house this year. Preferably before October. We have the down payment as of now, but haven't shopped around for our banker/interest rates yet. (Were planning to middle of March, but we all know what happened with that..) Things are going downhill fast in terms of the economy, obviously. Our initial thought was that, after this covid-19 business has died down, interest rates will be low and it will be a buyer's market. But then we worry about selling in 4-6 years. What are the possible pros and cons to buying this year? Should we just wait another year? Or will things not be any better in a year and it won't matter? I understand this is all speculation and we won't know what's going to happen, but any advice/thoughts on this are appreciated! Edit- since it's come up a lot, my income is secure. I have a job that's not going anywhere. We're buying on just my income, too. So husband's income will be towards living expenses/savings. [link] [comments]  |
| Posted: 24 Mar 2020 03:09 PM PDT Tl;dr is title. The company I work for is essential so we are working through the shut down, but the workflow has almost come to a halt. I was informed today that there is a temporary reduction in salary by 50% until work picks up again after the shut down ends. I have heard of being able to claim benefits for reduction in hours, is this something that may apply to my situation? I haven't been in this sort of situation before so this is all pretty unclear to me. Thanks in advance. [link] [comments]  |
| I am sharing my spreadsheet template to make monthly budgets and long term financial plans! Posted: 24 Mar 2020 03:46 PM PDT Hi guys! Do you like to keep track of your finances? I've (29M) been using a personal google doc template for years now and I thought I should share it with you... I'm sharing with you my personal budget planning template. It's a simple template that is quite easy to use. The template contains three sheets:
By the way the content is sanitized, it does not contain my real income nor my expenses. Please let me know if this is useful! I have lots of other stuff:
[link] [comments]  |
| My employer has asked me to take a 25% reduction in pay? What should I do? Posted: 24 Mar 2020 08:32 AM PDT I am in Arizona and my employer worded the email as a question but it doesn't really seem like I have a choice. Should I say no and see what happens? [link] [comments]  |
| Posted: 24 Mar 2020 08:20 AM PDT |
| Should I pay off my credit card in full? Posted: 24 Mar 2020 03:43 PM PDT I was laid off and living alone early last year and as a result I have 2 credit cards that have been maxed out that I'm currently paying off. One is at about $700 and the other is just under $600. My credit has tanked due to this. I want to pay $600 from my tax return and just pay off the second account in full so I can forget about it. But I need to do whatever is best for my credit score. Is it better to continue to make payments rather than paying it off in full? [link] [comments]  |
| Posted: 24 Mar 2020 08:04 PM PDT Is this normal? I made $20,337 as a W2 employee. $780 federal withholding, $32 California Withholding. I'm filing as a single young adult with no dependents. My standard deduction is $12,200. This year, I owe the Federal Government $33. In 2018, I made $10,509 (was unemployed, started my job in July). $629 federal withholding and my federal refund was also $629. The deduction back then was $12,000. What exactly happened to make it so I don't get refunds anymore and now owe taxes? Pretty damn disappointing :( [link] [comments]  |
| $24k in Debt; $10k coming my way Posted: 24 Mar 2020 03:28 PM PDT I am currently in about $24k of credit card debt. I've tried personal loans and barely took a dent out of it. I currently have a balance transfer credit card with $4800 on it, and a loan from my 401k for about $20k. A relative passed recently and left me $10k. I should be able to pay off the $4800 relatively soon thanks to bonuses and my tax return. My question what should I do with the $10k? Put it towards my loan? Or save it and continue paying off the loan until the loan is down to $10k and pay it all off? [link] [comments]  |
| Posted: 24 Mar 2020 07:59 PM PDT This Corona Virus thing is a real bummer. As the title says, I lost my job delivering cakes and muffins to restaurants and coffee shops, and places like that. It's a commercial bakery, and a really small business. The owner is such a sweet lady. The thing is, she never really told me I'm fired, she just told me to start looking for another job after having a 3 hour work week, when I'm usually working about 20 hours a week. I even got turned away at one of our bigger client's restaurants because they didn't want the cakes sitting in their freezer, so I had to take them back for her to put in her freezer at home. It was kind of heart breaking. I tried bringing up unemployment, and she didn't even respond. Could I be hurting her financially by filing for it? I could really use some money coming in, but I don't know if she has unemployment insurance , seeing as she has like 4-5 employees. I know she's not hurting financially personally. she has multiple cars and nice clothes and I'm pretty sure she has a rich husband. She just does the baking because she loves it, and let me tell you, those cakes and muffins are damn good... But would I be hurting her business by filing for unemployment? Another aspect of this whole situation is that one of the other employees she has, and her right hand lady is my girlfriend's mom. The owner makes the cakes, GF's mom makes the muffins. They both come from old money and live in the south, and I don't think they even really need these jobs. I don't want my girlfriend's super conservative parents thinking I'm looking for hand outs or something. It's just a really weird situation that involves my personal life, a really sweet lady who works with me when I need time off for college, and has been so nice to me while working together. Any advice on any of this would be greatly appreciated. [link] [comments]  |
| Posted: 24 Mar 2020 03:59 PM PDT I currently split a flat with three other people. Total rent is $4500/mo divided by square footage of rooms. One person gave his 30-days notice at the beginning of the month and I am unable to find a replacement so far due to this covid-19 crisis. Another person suddenly packed up his stuff and headed home 2hrs away this past weekend. I asked him today if he's officially moving out and he said yes. I was prepared to cover the rent for one person, but definitely not for two. I don't have any hopes of getting rent for April from the person that suddenly left. I am planning to ask the landlord to half the rent this month, but understand that it will need to be repaid eventually. Can I keep the 4th roommate's security deposit for this short notice to pay for April rent? [link] [comments]  |
| Posted: 24 Mar 2020 05:16 PM PDT |
| Posted: 24 Mar 2020 10:51 AM PDT From my understanding the start market works like a crazy fast experiment in supply and demand, people start selling their stocks the value decreases, people start buying stocks the stock value increases. Now I know I am way oversimplifying things here but this is my question... If what I said above is true, then why would the price ever change? Selling a stock means you found a buyer and if you are buying a stock then someone is selling. Getting even more complicated, why is there always a buyer or selling to purchase from? I have never had to wait more than a couple seconds to purchase or sell stocks. [link] [comments]  |
| First time home-buyer...where should I get a loan? Bank or credit union? Posted: 24 Mar 2020 11:39 AM PDT My spouse and I are buying a relative's house from my mother-in-law at half-price, which is about $90,000. We have always rented and this is a major opportunity for us. Our combined income is $35,000. (Yes, I know that's not much but our jobs are stable and we have about $15,000 in the savings.) I don't know where to start as far as the loan goes. Spouse has a credit card but rarely uses it, and I've never had a credit card. My father co-signed a car loan for me (which I paid off 10 years ago) through a local credit union. I'm assuming due to this we'll probably require an FHA loan. I am just wondering, should we go to our bank or to that credit union for a home loan? I've looked at online options (like Quicken loans), too, to avoid huge closing costs. Does anyone have experience with online lenders, or any recommendations on where to look first? [link] [comments]  |
| Hire Lawyer to Negotiate Physician Contract? Posted: 24 Mar 2020 06:41 PM PDT Hello PF, Not sure if there is a better subreddit to post this question. My GF is currently a fellow at a top school. She got a offer at her dream hospital in her hometown. We hired a contract lawyer from that area that went over contract and pointed out her concerns which all seem valid. Cost $900 for this consultation. Now do you think my GF should negotiate herself with the hospital based on the points she think is important from the consultation? Or should we hire the lawyer for $400/hour to negotiate? My thinking is the salary is one of the best by far already from all her other offers even after COL factored in. On top with this Corona issues I wonder if we even have much leverage so maybe best for her to negotiate her self? The lawyer gave a vague answer on how many hours it would take and sounds like it could end up costing quite a bit. Understandable as no idea how long it could take but scared it could be too much. GF already is 450k in debt from loans with maybe 5k to her name. Thoughts? I have zero experience with this since I am in IT. [link] [comments]  |
| Cannot access my funds at Bank of America Posted: 24 Mar 2020 06:37 AM PDT I'm an American with an account at Bank of America. The majority of my money is sitting in that account, but I live in the UK and have a local bank account as well. I keep very little in that account, and use BA for almost everything. I was due for a new BA debit card, but BA sent it to the wrong address. For my safety, they deactivated all my debit cards. I now have no access to my money. I cannot make an online bank transfer without entering my debit card number, and they won't allow me to do it over the phone. My city is in lockdown, and my UK bank account is almost empty. I have no idea when my new debit card will arrive, as they sent it to the wrong post code. Customer service keeps bouncing me to different departments, and just need survival funds. Is there a way to pull money out of the account without a debit card number? Would PayPal allow me a transfer between accounts? [link] [comments]  |
| Apartment's washer/dryer costing me $50-60 a month on the electric bill... Posted: 24 Mar 2020 01:38 PM PDT After moving, my monthly electric bill doubled in cost... I finally was able to figure out that it was due to my washer/dryer. I pinpointed the spikes in the usage of electricity in my bill on those specific days. Using my washer/dryer only once a week, my electric bill was $140 a month, however, after asking my apartment management, neighbors typically have $70-80 bill for the same apartment. I am having the electric company visit to check and meter problems that they are responsible for. However, they are not responsible for the washer/dryer. The complex is going to "check to see if there are any problems with the washer/dryer" - I expect them to say "nope its working fine" It is working fine, but for it to cost me $50 a month to use in electric doesn't pan out. What do I do in this scenario? I will assume I'll ask my complex to replace the washer/dryer but what if I get a "no" as an answer? [link] [comments]  |
| Home Equity Loans Coming Back Anytime Soon? Posted: 24 Mar 2020 04:40 PM PDT Wondering if anyone had any insight into whether home equity loans will be coming back. We got preapproved for a relatively small loan on our house (an investment property by now since the military hasn't moved me back to WA in years) in order to cover a down payment on another house we're buying (we're looking at selling that first house soon, but the timelines won't align just so). That was Thursday. The owners accepted our offer, and we went to lock in the Home Equity Loan today, but--oops, nobody is offering them anymore it seems due to potential market volatility or some such. So...yeah...are they coming back anytime soon, or am I just screwed? [link] [comments]  |
| Anything I can do to prepare for a lay-off? Posted: 24 Mar 2020 01:36 PM PDT The industry I work in (hospitality) is sinking worse than the Titanic. Is there any sort of checklist of things I should be doing right now to prepare myself just incase? [link] [comments]  |
| What do do with an inherited IRA? Posted: 24 Mar 2020 08:18 PM PDT My wifes grandmother died last year and left her 12k of her IRA. When it came time to process it the bank that the IRA was with had my wife open an account with American Funds instead of allowing her to have it rolled into her Roth IRA with Schwab. We got the paperwork today and the funds are allocated among 3 different funds. Ideally we'd like to have all her retirement funds with one broker instead of spread out. What are the options for handling this inherited IRA minimizing tax penalties? [link] [comments]  |
| 401K Match being cut, should I do anything? Posted: 24 Mar 2020 05:18 AM PDT Just announced this morning from a major hospitality employer. Not necessarily a bad thing as they are trying to postpone furlough and employment cuts out as long as possible. But just wondering, if the 401K Match is no longer being provided for the time being, should I be doing anything different or looking at better alternatives. [link] [comments]  |
| Posted: 24 Mar 2020 05:53 PM PDT So as you may remember from my previous post, I left my job last Friday following a new job offer, and this Friday my new job offer got rescinded. I panicked, and I called my old manager and asked for my job back. First of all, I'd like to thank everyone for the plethora of advise you all gave me. At a time of need, it was great to see how everyone came together to not only help me, but the multiple other people that I know were in the same boat as myself. I actually ended up applying for EI while I was waiting to hear back from my old manager, just in case. It is a corporate company so I had a feeling HR would not want to take me back. I ended up getting an email from my old manager advising that they would love to have me back (did not expect that from HR but ok), and I accepted. However, my fear now is the drastic increase of cases from COVID-19 each day, and how that would translate to my life at home, living with elderly grandparents. This is a very large fear of mine, especially since I know I can't live with myself in case something untoward does happen. I'm in a weird limbo situation where I know the economy will suck after this whole situation is over, so the fact that I have a job is huge to begin with. However, family means a lot to me, so I have to consider the risk that I would be putting them in if I travelled to and from work each day. Any recommendations? [link] [comments]  |
| Posted: 24 Mar 2020 07:56 PM PDT My leased car was due in December 2019, but I called the bank for a 6-month extension... but I lost my job a month ago and realized it's better if I can get rid of my car since I can always use my mom's car when things settle down and I find a job. I don't have much $ and I really don't want to pay for any return fee's.. can I Just ignore all payments and return my Subaru to the dealership where I got the car from? I live in Los Angeles, California btw and I only missed 1 payment which was only a couple days ago. [link] [comments]  |
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