Personal Finance Received a 1099-MISC from Uber and I have never worked for/driven for Uber. It says I made $2700... Call Uber...Just as confused. What is going on?

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• Received a 1099-MISC from Uber and I have never worked for/driven for Uber. It says I made $2700... Call Uber...Just as confused. What is going on?
• Mom laid off at 60 but having trouble finding work that she feels confident doing. Has lots of anxiety. Looking for suggestions.
• IRS interest rates remain the same for the second quarter of 2020.
• My employer wants me to go to college
• Mortgage rates at all time low... refinance?
• 28 and I work at a carwash. Would like some opinions on what my options could be for my situation.
• Daycare costs for a second child, costs more than my wife makes but does it make sense to keep her in the workforce?
• Accountant Had Data Breach - What Should I do for Protection?
• A Guide in the Event You Ever Have to File an Insurance Claim
• A few forgotten blank cheques were stolen from my vehicle, my bank deposited nearly 2000 in forged cheques over 3 deposits. Need help recovering the money, more info inside.
• Should I refinance my 30 year mortgage? Condo in Chicago Loop
• Whole life insurance plan scams
• 5 years ago I left a job without caring what happened to my small 401k. What has happened to it and can I still do something with that account?
• Does PF have a popular lender for mortgage/refinance?
• Jobs in Finance
• My parents want me to get bank loan and buy the house from them because of debt. [EU]
• I have an outpatient procedure Thursday, and the hospital just informed me that as of Monday the anesthesiologist is no longer in network and I will be charged out-of-network pricing
• Should you have more than one brokerage account?
• Checking account
• Can I keep putting money in an checkings account without a job
• Fed to cut interested rates by half a percent. When should I refi?
• Getting Kicked Out Need advice!
• Mother hoping to refinance new loan but lender is requiring documentation on other loan that was paid off 9 years prior

Received a 1099-MISC from Uber and I have never worked for/driven for Uber. It says I made $2700... Call Uber...Just as confused. What is going on? Posted: 03 Mar 2020 02:47 PM PST As you can see in the title, I received a 1099-MISC from Uber stating I earned $2700 in 2019. I have never driven for Uber nor have I received any random $2700 payment from them. I called their support line and after having me on hold they confirmed I had never driven for them and they had no idea why I got the 1099. They said they will escalate it to the investigative department who will get back to me within 7-10 business days via email. ​ This whole thing makes me nervous and I am not sure what I should do in the mean time. This is supposedly untaxed income I am supposed to be paying taxes on but which I didnt earn. It has the Uber address and everything, it has the Payer's TIN, an account number (I gave to Uber)... not sure what is going on and they seem just as clueless. Any advice/tips/next steps? Reasons why this may have happened? submitted by /u/my_ship_has_sunk [link] [comments]

Mom laid off at 60 but having trouble finding work that she feels confident doing. Has lots of anxiety. Looking for suggestions. Posted: 03 Mar 2020 09:56 AM PST Hi all, My 60 y/o mother's state run physical therapy center shut down it left her in a big of a snag. She receives both reduced retirement and alimony from my dad but after running her numbers, she's in the red at about $8000 a year. She has savings, but not enough to absorb that level of loss per year and it's generally left her with a lower quality of life. She's looking for work but after working for about 2 months at a local care center doing basic therapy tech jobs (getting guest's their food/medicine, cleaning) she got so stressed out working that she had to quit. She was getting physically sick with stress at not being able to keep up with their computer system (not very tech savvy) and the pace of the work. I'm hoping to find her some part time work that would work for her. My chief concern is her progressively deteriorating mental health. I've noticed a major change with respect to her anxiety levels these past 5-10 years and it's getting worse every day. It's a bit of a catch 22 where she can't get a job because of her mental health but can't get treated for it without more money. Anyone have suggestions on what she can do? Any part time jobs that would serve her well? submitted by /u/Juantumechanics [link] [comments]

IRS interest rates remain the same for the second quarter of 2020. Posted: 03 Mar 2020 06:25 PM PST The Internal Revenue Service announced that interest rates will remain unchanged for the calendar quarter beginning April 1, 2020. The rates are: • Five (5) percent for individual overpayments (refunds) • Five (5) percent for individual underpayments (balance due) Under the Internal Revenue Code, the rate of interest is determined on a quarterly basis. For Taxpayers other than corporations, the overpayment and underpayment rate is the federal short-term rate plus 3 percentage points. Source, at IRS.gov. submitted by /u/these-things-happen [link] [comments]

My employer wants me to go to college Posted: 03 Mar 2020 05:02 AM PST Edit: holy crap you guys replied to this a lot... Thanks for the feedback/advice! Hello r/personalfinance! I am 24 years old working for a fortune 500 company. I am a salary, exempt employee making around $85,000 per year. I do not have any degree, I went to a trade school after high school. My employer wants me to go to school and get either an engineering degree or a business degree. If I don't go get a degree then I likely won't be able to promote and my prospects for raises are pretty low (I might be able to get my salary to 90-95k in the next 10 years without a degree). Here's my problem - if I go get a business degree then they'll try to push me into management. I really don't want to be a manager and I'd quit if that happened. So, for now, a business degree is off the table. Maybe someday when I'm older I'll change my mind on that. Regarding the engineering degree, my salary grade is 2 levels higher than the salary grade for an entry level engineer at this company. I'm on the same salary grade as a senior engineer. To get a true promotion, I'd have to move into a project manager role. There's no way they'd give me a project manager role fresh out of school (nor should they). The engineering degree would cost me around $30,000 (that's after my employer pays for half) and 5-6 years to complete. I'd probably spend 3-4 years within my current salary grade before getting a promotion for $10k more or so per year. That means it would be 8-10 years before I start seeing any returns and about 11-13 years before I start profiting from the degree. I think that I should just continue with my current job and save/invest money. I've been maxing out my 401k every year and I want to start investing in rental properties. What do you think r/personalfinance? Thanks! TL;DR: Employer wants me to spend $30,000 on a degree. It would take 11-13 years before I start seeing a profit from getting that degree. Is it worth it or nah? submitted by /u/ThrowawayDegreeOrNah [link] [comments]

Mortgage rates at all time low... refinance? Posted: 03 Mar 2020 06:05 PM PST So my current VA mortgage is at 4.75% interest. I was offered a rate of 2.99% by a local lender and will pay about $3400 in closing costs which will be rolled over into the loan, so nothing out of pocket. Can I get a better deal elsewhere? Or should I take the offer I got? I just don't want to refinance only to find out that mortgage interest rates went down even more. submitted by /u/erickz623 [link] [comments]

28 and I work at a carwash. Would like some opinions on what my options could be for my situation. Posted: 03 Mar 2020 12:37 PM PST I started out my teenage years pretty rough, and got into drugs pretty heavy after my father passed away. Picked up a couple misdemeanor charges drug wise, but no felonies. After battling depression for years and getting clean (4 years), I'm stuck at a crossroad at the moment. Time has flown by and I'm now 28 years old, working at a carwash. I make 11/hr. plus commission for selling extra services. Roughly 27-35k a year, but I know I'm better than this and constantly battle with the thought of going back to school. My question is, with my drug misdemeanor charges, wouldn't I be held back for many of the careers in the world simply because I have a drug charge? I'm tired of busting my ass for so little, but I don't want to invest my time into a college degree just to be held back. I have a wife and two children, and i just want to have a better safety net for our future. I live frugal, but would like to live frugal while having the choice to invest for our future as well.. submitted by /u/LitThatFireTV [link] [comments]

Daycare costs for a second child, costs more than my wife makes but does it make sense to keep her in the workforce? Posted: 03 Mar 2020 07:32 AM PST Background: I make very good money, my wife doesn't have to work but she chooses to work. It has been a point of contention she doesn't feel like she contributes enough even though she does so much for our home and children. I have long given up trying to convince her that she doesn't have to work, she wants to work. Her current job pays well enough and has a TON of schedule flexibility that works for young children. She works with people that can open doors for her in the future. We will be having a second child soon and the day care costs will be more than her take home salary. After reviewing our budget we continue to have a good monthly surplus after contributing to 401k, a modest contribution to a 529 account and paying off my student loans. I think that its reasonable for her to keep working for a few reasons 1) our first child is not going to do well out of daycare, he needs the social interaction 2) my wife is not going to do well out of work 3) If she leaves the workforce for 4-5 years she doesn't have credentials that will easily get her back in. Am I being irresponsible supporting her to continue working? I think the opportunity cost of 5 years out of the work force and potential raises for her will probably offset the deficit spending of about for a year or two until she goes back to full time at which point she would go to full time and completely cover the cost of day care again. Edit: thank you for the early commentary, it is supportive of many of the reasons I support her continuing to work, including her happiness. Does anyone have any data supporting this decision so I can show it to her? I think the decision makes sense, she's having a hard time coming around on this. submitted by /u/angerMD [link] [comments]

Accountant Had Data Breach - What Should I do for Protection? Posted: 03 Mar 2020 05:53 PM PST My mother recently was contacted by my uncle who files her tax returns every year and has also filed mine in the past. He runs a small accounting firm and told us a couple of weeks ago that he was contacted by the IRS saying he has reason to believe his data was breached by hackers. Today, my mom got letters in the mail from the state and federal government that someone tried to file tax returns in her name and SSN. Given that my name and info has been on her returns, and I have also filed my taxes with my uncle, what should I do to protect myself? I am 22 with little credit history, recently opened two credit cards and have already filed and received my tax returns for the year. Any advice helps, thanks! submitted by /u/throwaway240322 [link] [comments]

A Guide in the Event You Ever Have to File an Insurance Claim Posted: 03 Mar 2020 10:15 AM PST For those filing insurance claims: You will have people coming by in the coming days to say they can help you, and maybe they can, but it's imperative that you wait for your carrier to make an offer on the scope of the loss before you hire someone to fight for you. Paying someone ANY money on monies that you were going to get anyway doesn't make sense in the slightest, but people make rash decisions when their lives have been thrown into upheaval. File your claim. Get all communication with your carrier in writing. Wait for their offer. Get their estimate reviewed (for free if possible). Then make the decision to hire help. Not before then. With that said I know everyone likes to think their adjuster, and their carrier, is their friend (nationwide is on your side, like a good neighbor State Farm is there, all state you're in good hands, etc), but it's not your adjusters job to maximize your claim. It's their job to manage it. Make no mistake. This is going to be a large loss for all insurance carriers, and they will do what they can to minimize their losses. Even if it's at the expense of those who have suffered. Below I will have included a step by step guide on what to do after a catastrophe. Stay safe everyone, Your local insurance specialist No one ever expects a fire or tornado destroy their home or building. Those kinds of things happen to other people. Being the victim of a catastrophic loss doesn't mean you have to allow yourself to become a victim a second time by relinquishing the control of your claim to others and, as a result, having a less than favorable outcome. Following are some tips and suggestions that will help you ADAPT and stay in command of your claim so that you set yourself up to maximize your settlement. So when the unexpected does happen to you, and hundreds of thousands of dollars are hanging in the balance, just ADAPT. Adjuster Put any request for information or answers in writing to the adjuster. It will send them a very obvious message that you are taking this claim seriously and it will force them to respond in kind. What is in writing carries infinitely more weight than what is spoken. Your first request ought to be to ask your adjuster in writing to provide you a complete copy of your policy with all forms and endorsements. The policy is the instruction manual for the claim. You will need an up-to-date copy. It is free. Again – ask for it in writing. Your adjuster is going to keep a written log of all activity associated with your claim (including conversations with you). It would be prudent for you to do likewise. Don't let the insurance company be the only one documenting the claim. While you wait for the certified policy, ask your insurance adjuster or agent to print out a current declarations page for you. This document will show you the policy limits for your structure, contents and additional living expenses. Duties under the policy There are certain "duties" within the policy that you have to perform after a loss in order keep your policy in force and receive the benefits to which you are entitled. One of those duties is to prevent additional damage. This means getting broken windows and doors boarded up to prevent theft and additional damage from the elements. Have any roof damage tarped or temporarily covered. This cost will be reimbursed or paid by the insurance company. It is your responsibility to protect your property from further damage, not the adjuster. Most adjusters will know of company's who can do this for you. It is common to be asked to give a recorded statement. Take it seriously and be absolutely honest with every answer. Make sure you have them agree, while the tape is running, to give you a copy of the tape as well as the transcript if the recording is transcribed. Do not allow anyone to demolish or tear out any of the damaged components. Until the structural portion of the claim is completely and finally settled the structure should remain as is. According to your policy, you have a duty to allow for the inspection of all damaged property. Destroying the "evidence" will only hurt your chances of getting fairly and completely indemnified. Additional Living Expenses (ALE) Don't allow the insurance company to put you into temporary housing that is half the size of your damaged home. You are entitled to maintain your normal standard of living. So for the sake of your marriage and your kids, insist on accommodations and furnishings that are similar to what you enjoyed prior to the loss. The claim process is going to take longer than you are imagining right now. You will regret it if you disregard this little piece of advice, I promise. Keep all receipts for everything purchased during this process: new clothes, laundry, eating out, etc. Just put all of them in one big envelope or file folder. You can sort them out later as you need them. This is particularly true for dining expenses. Your insurance company only owes you for any money that you spend over and above what you normally spend to eat so don't go eating "high on the hog" thinking that the adjuster will pay for everything. Your ALE benefits also include any furniture you might need to rent in order to have appropriate living conditions (beds to sleep in, TVs to watch etc…). Don't' go buying new furniture to put into your rental house/apartment because you just risk getting it banged up and scratched when you move it back to your repaired home. If you have to drive further to work, or to your kid's school then you will need to keep a detailed log (date, miles, and purpose) of the additional miles you incur. You are entitled to be reimbursed for this additional expense. This also holds true for the trips you might make to your damaged home to meet with adjusters, pick up the mail or feed your animals. Personal Property Inventory As soon as possible take lots of pictures of the damage, inside and out. The more the merrier. Good wide-angle shots of everything and close-ups of specifics in the most damaged areas. Things are going to disappear from the home during this process and you will be glad to have these photos. Ask friends and family members if they have any photos of the interior of your house that may have been taken at a birthday party or some celebration around the holidays. These pictures could be extremely helpful in re-creating what was lost in the fire or tornado. If you are too tired or too busy to put together a complete and comprehensive list of all damaged items (including spatulas, half bottles of shampoo, picture frames etc…) then please get some help from an inventory specialist. They will more than "pay their way" and take a real headache off of your plate. Do not throw away any clothes or furniture until your adjuster has given you written authorization allowing you to do so. Time Resist the natural inclination to be in a hurry to settle your claim and see quick progress. In the long run, it will be well worth the extra time to work out a proper settlement. Speed is the enemy of a good claim and any impatience you show will be used against you. Don't hire any Public Adjuster until you have received a copy of the insurance company's estimate of repair. It makes no sense to pay someone a percentage of what the insurance company is going to offer you anyway and you won't know whether you are going to be treated fairly, or unfairly until you get your estimate. Anybody you might consider hiring to help you with your claim ought to be compensated only for the new money that they can add to the structural part of your claim. Be very careful and go slow before you consider hiring the adjuster's "preferred" contractor. They tend to have a very close relationship with the adjusters and, as a result, are often more interested in keeping them happy than you, the policyholder. You are a source for one job for them, but your adjuster is a potential source for many jobs both now and in the future. Absolutely do NOT hire any contractor without first seeing a complete detailed estimate of what he intends to do and how much it will cost. This is your home, and probably your largest investment. Make sure anything you sign prior to getting a complete estimate is only allowing for temporary repair or mitigation type work – very limited authorization. submitted by /u/Pure-Pessimism [link] [comments]

A few forgotten blank cheques were stolen from my vehicle, my bank deposited nearly 2000 in forged cheques over 3 deposits. Need help recovering the money, more info inside. Posted: 03 Mar 2020 07:58 PM PST We ( spouse and I) are in Canada, we had our vehicle broken in to and we had forgotten we left a few blank cheques in there from our honeymoon trip. We filed a police report, mourned the loss of our sentimental items, and moved on. Recently we discovered that cheques were being deposited and money was coming out of our account that we did not authorize, and remembered we may have had some emergency cheques in there that we had forgotten about and the individual that robbed us is robbing us again. We immediately froze our account. In the short time we had access to our account before it was frozen we downloaded 2/3 of the cheque images and discovered the signature was not even relatively close to ours. Now for the annoying part, the bank denied our fraud claim, says that it is our responsibility because a car is a bad place to leave blank cheques. - We didn't know they were there, we completely forgot about them and would have immediately closed our account had we remembered that they existed. This may not even be the way that the cheques were taken from us, but its our best guess. - We did not sign the cheques, the signature was forged and was not even our name, the forger did not even attempt to make it look realistic. -We caught the fraudulent transaction within 1 business day of one, and a week of the other two. -We have only ever personally used cheques for 2 different things in our entire history of our account with the bank, and the transactions were completely out of character for us. How do we get our money back? submitted by /u/fraudvictimhelpplz [link] [comments]

Should I refinance my 30 year mortgage? Condo in Chicago Loop Posted: 03 Mar 2020 05:16 PM PST Original mortgage terms: Conventional 30 year mortgage, 4.25% interest rate. Bought the condo in May of 2017. Current monthly payment is $598/month ($187 principal + $411 interest). Current balance of Loan: $116k. Value of home: bought at $152k in May of '17, likely appreciated with surrounding area (Chicago Loop). I am guessing it is worth $170k or $180k. Current credit score: 723 Main goal: lower monthly payments. ​ Chase offer (I called them): 3.625% 30 year mortgage $2,800 in closing costs including appraisal New payment would be $553/month. Payback is 62 months ($2,800 closing costs/$45 saved per month). ​ "Lower" offer (they called me) 3.25% 30 year mortgage $4,100 closing costs including appraisal (not sure if this includes points?) New payment is $529/month Payback is 59 months ($4,100 closing costs/$69 saved per month). ​ Questions: Should I shop for more offers? Is this a good deal? Is this process worth it? What is an acceptable payback period? How likely is it that I can get an appraisal waiver to lower the closing costs? What else should I be asking/doing to get more favorable terms? submitted by /u/Hobbes93 [link] [comments]

Whole life insurance plan scams Posted: 03 Mar 2020 11:26 AM PST I have some aquaintances who are getting involved in this business of trying to convert their friends' 401k accounts to cash value life insurance plans or whatever they are. The sad part is that this company "world financial group" actually has them beliving they are 'financial advisors' and they are helping people. Sure they might make some money on commission, the company is going to make more money, and some old people are going to get screwed out of their savings, probably after it's too late to do anything about it. They're not bad people just misguided and I don't want them to ruin relationships or their current career. Is there a good website or resource which debunks this scam and what it does it people that I can forward to them? I know this company has been operating for at least 15 years so there must be valuable resources on how to stop their MLM nonsense submitted by /u/Kennethone [link] [comments]

5 years ago I left a job without caring what happened to my small 401k. What has happened to it and can I still do something with that account? Posted: 03 Mar 2020 10:05 AM PST I left my shitty position at UPS in 2015 in a hurry and didn't care about my small 401k. Now I care. If it is possible to roll it over or do something with the money that was in that account I'd like to know my options. I'm currently working with Voya on getting into my account because I have forgotten the answers to security questions etc. My main questions are: 1) What happens to 401ks when you leave a job and do not roll it over or cash it out etc.? 2) Do I still have access to that money? 3) Has anyone been through something similar and have any advice about dealing with the bank in this situation? submitted by /u/Tank_Lawrence [link] [comments]

Does PF have a popular lender for mortgage/refinance? Posted: 03 Mar 2020 11:53 AM PST With the fed rate cut, seems like a good time to consider refinancing my mortgage. Last time I refinanced was 2012 but I can't remember how I picked the lender I picked at the time which was Amerisave. It was a bit of an arduous process as the loan processor I was assigned to work with... well, he could've been better. Wondering if /r/personalfinance has some suggestions for lenders they have had good exprience with? Thanks! submitted by /u/johncmpe [link] [comments]

Jobs in Finance Posted: 03 Mar 2020 07:31 PM PST I am currently 18 years old and going to University. I originally wanted to be a Teacher but I don't want to be anymore as I don't enjoy History anymore (that is what I wanted to teach). The past couple month I have been incredibly interested in aspects of personal finance, investing and saving. What are some good careers I could look into that involve these kind of things. submitted by /u/Kayvon48 [link] [comments]

My parents want me to get bank loan and buy the house from them because of debt. [EU] Posted: 03 Mar 2020 07:30 PM PST Hi reader! Here is my story. My parents bought this house from bank loan back in the days. It was good and nice for a while but then the interest rate jumped a lot and couldn't pay it till this day. Half of their salary is taken every month because of this. Not so long ago I joined the big world and started working too. Now they want me to get bank loan and buy the house from them so they can be cleaned from this dept. They say I only have to get the loan and they will pay it for me because the expenses would be lot less, could pay it easily and they could save a lot more money, and from the remaining money, I could start my own business. So my question is, is this any good idea? Should I do it? submitted by /u/Ireallyshouldsleeprn [link] [comments]

I have an outpatient procedure Thursday, and the hospital just informed me that as of Monday the anesthesiologist is no longer in network and I will be charged out-of-network pricing Posted: 03 Mar 2020 01:31 PM PST I scheduled my procedure over one ago month, and I have just been informed that my provider (United Health Care) no longer considers the anesthesiologist (American Anesthesiology) as in network as of Sunday March 1st. My procedure is in under 2 business days. I have been told I will be charged out-of-network rates. This is the only provider in the area. What are my options here? This procedure was scheduled and approved weeks ago. Can they really pull the rug up like this? Thanks for the help everyone! As it turns out, the best answer is the simplest answer. I had talked with the hospital (who called me first), then I called the anesthesiologist, and then I called the cardiologist. As it turns out, calling UHC was the right answer. They said I'd be covered even if the anesthesiologist is out of network as long as the location and provider is covered (i.e. I had no choice in anesthesiologist). Once again, I appreciate the advice! submitted by /u/CapnObv314 [link] [comments]

Should you have more than one brokerage account? Posted: 03 Mar 2020 05:51 PM PST I recently opened robinhood and td ameritrade accounts, one because of the free stock option and the other for the atm refunds. I have a free stock on robinhood but after what happened in the news I am not sure if I should keep robinhood submitted by /u/Greenpowerbrian [link] [comments]

Checking account Posted: 03 Mar 2020 04:13 PM PST Recently I changed banks from "GREEN" bank to "RED" Bank, green bank said all transactions have to clear and it has to have a positive balance and the remaining balance could be sent to me via mail. They also said once I close this, it could take up to 2-3 business days to close, my question is, once they close it before the 2-3 business days is up and a transaction hits, is it going to nullify my request to close the account? They could not answer this. submitted by /u/Delphine11 [link] [comments]

Can I keep putting money in an checkings account without a job Posted: 03 Mar 2020 05:59 PM PST Hi I just opened an account and deposited about $221 from babysitting and some from taking the lunch money my parents give me. Can I keep doing this or would it seem shady to the bank if I don't file taxes because it's technically under the table? submitted by /u/Jennybaby123 [link] [comments]

Fed to cut interested rates by half a percent. When should I refi? Posted: 03 Mar 2020 07:39 AM PST I was actually looking at refi rates yesterday and liked what I saw. However, on the news today about FED actually cutting rates again, how long does that take? Will rates be lower today or does it take a few weeks? I'd hate to get locked into something this week for them to drop a lot in a month. Edit: not looking for advice on when it make sense to refinance. I'm looking for insight on when rates go lower following a fed decrease. submitted by /u/Mastacon [link] [comments]

Getting Kicked Out Need advice! Posted: 03 Mar 2020 06:28 PM PST Hey, I'm Brendan. I've recently got into an argument with my parents, and now im being kicked out of our house. I have 2 days to be out of the house I only 300 dollars right now and hoping my state returns come in soon. I have a emotional support dog for my depression and anxiety. I really have no clue what do. I'm extremely worried of being homeless. I started education on coding to hoping to becoming a web dev someday. I dont have a credit score. I pay 50 dollars a month for my phone and was paying 480 for rent and car insurance. Which I dont have a car anymore. any advice would be appreciated. submitted by /u/Al3yesLivesAgain [link] [comments]

Mother hoping to refinance new loan but lender is requiring documentation on other loan that was paid off 9 years prior Posted: 03 Mar 2020 06:22 PM PST Asking for my mom - this is her question below. Sorry if my title is off. "Filed bankruptcy chapter 7 in 2010 and was discharged in 2011. There was a mortgage loan debt at that time. The mortgage lender refinanced that loan after the discharge and we got a new loan. Now...9 years later, we want to refinance and the lender, who is still the same one, started asking for bankruptcy documentation on the old loan...the one that got paid off, saying they need that. Basically saying if i don't produce documentation i cant refinance. Don't know why they need that since the old loan was paid in full, satisfied, and the release of lien was recorded." Any info would be a great help! submitted by /u/codecduck [link] [comments]

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