Personal Finance You are not "family" to your company. If you have an opportunity to better yourself, take it. They will do the same when it comes to cutting ties with you. |
- You are not "family" to your company. If you have an opportunity to better yourself, take it. They will do the same when it comes to cutting ties with you.
- Apartment disabled the use of a Bank Account to pay for rent. They force you to use a CC and charge a $40 service fee to do so.
- Parents lied about paying tuition, bank account levied.
- I owe the IRS..I guess
- Fake ID Sent to my Parents' home
- Keeping up with the .....
- Giving siblings insurance money.
- 30f, get first credit card, ready to move out of my parents house.
- What kind of jobs are out there for a 30 year old with high school education
- Should I stop contributing to my 401k to pay off my student loans faster?
- Building auto-updating google spreadsheet for tracking investments
- Made 70k last year on P*rnhub, what do I do about taxes?
- I've received a 1099-B after I filed my taxes, with the form changing my AGI by $8. Is an amendment absolutely necessary?
- Been broke my whole life, starting a new job soon. Advice?
- Engagement Ring
- Invalid debt keeps being sold from one collection agency to another.
- Is there a website or program available were you can play the stock market in real time using fake money to learn?
- 19 years old and think I need to start saving and budgeting.
- Help with taxes
- Ontario, CAN - Purchased Vehicle, Dealership Cannot Deliver
- Fha or conventional?
- Ally No-Penalty CD
- Mortgage Refi Confusion...
- Refinance now or wait?
- Boss told friend to file taxes as business
| Posted: 04 Mar 2020 03:18 PM PST People tend to feel a sense of guilt when it comes to leaving a job like they owe them or their coworkers something. That is because America preaches this "family" culture that we are such a strong team all working together. In reality, if they need to close your entire division, they will do it without hesitation. If they can outsource something cheaper, they will do it. You do not owe them anything and if you see a better opportunity for yourself or your family, please take it and make your own financial future. [link] [comments]  |
| Posted: 04 Mar 2020 12:36 PM PST Not to mention the late charge I got because my autopay from my Bank Account was turned off and I didnt get any notifications until today. This cant be right can it? Any suggestions? They basically just raised my rent $40 a month out of nowhere EDIT: I appreciate all of the comments. I'm about to leave for the day and go to the office and talk to them. They still aren't answering my phone calls or emails. Will update as soon as I can. Thanks for the help [link] [comments]  |
| Parents lied about paying tuition, bank account levied. Posted: 04 Mar 2020 06:09 AM PST I'm posting this on behalf of my friend. The state is Wisconsin. The college is University of Wisconsin - Eau Claire. My friends parents run their own small business, which had been doing alright for over 20 years, but the past few years and especially the past two years have been very hard for them. My friend does not have any financial aid and last spring their parents were unable to pay their tuition. Their dad said he would handle it and get things worked out. That was last year. Since then, my friend has been out of school working and had assumed their dad worked things out with the school. Recently, they noticed that their wages were being garnished. They talked to their dad and he acted like nothing was wrong and said the garnishments were ok. It came to light that their dad did nothing to deal with the unpaid tuition. My friend currently has very little information about what they owe or what information the school told their dad. Last week my friends bank account was levied and all of their money was taken (a few hundred dollars). My friend is still living at home with their family and together they have not been doing well, their parents are likely going to have to file for bankruptcy (chapter 13?) soon. My friend has dealt with a lot of mental health issues before this came up, and now they're struggling very much with all of this. They have lost all trust in their father and it seems likely their parents will be getting divorced soon too. My friend is a shell of their former self and it seems like they've completely given up on themselves. It really hurts for me to see this and I would like to help them navigate their next steps. I know that I don't know all of the details, but I really want to help my friend figure things out. They're very scared and feel like their financial future is completely ruined. Any advice is appreciated. I'll do my best to answer any questions. Edit: A little more information my friend was reluctant to tell me. Their dad has not filled taxes for the past few years. [link] [comments]  |
| Posted: 04 Mar 2020 10:03 AM PST Long story short. I filed my taxes. I owe the irs and my state a combined 3800. Not a crazy amount. But I saw the irs charges 1.99% to pay with a credit card. I'm hesitant about this because then I just end up with my credit card interest on top of this. I dont have all the cash to pay up front.. advice? Thanks in advance [link] [comments]  |
| Fake ID Sent to my Parents' home Posted: 04 Mar 2020 04:28 AM PST The other day, my parents texted me a photo of a fake ID with my name that was mailed to my parents address (my old address). I have a new ID in a different state. The name does not completely match (for example, my ID would say John Q. Smith where this fake ID just has John Smith). Also the birth date is 1 month off. The individual pictured is black and I'm white. None of the other information matches my true ID - just address. There was no return address on the envelope. To me it looks like a really terrible quality fake that someone is using to get into bars underage. Also - I'm in my early 30s... I've pulled my credit report with all three bureaus to see if there's any suspicious activity, and there's nothing out of the ordinary in one report, and I'll have to request hard copies for the other 2. What steps should I be taking to protect myself? EDIT: Thank you all for the advice! This got bigger than I ever expected. I've already changed all my passwords to all my accounts on-line. I also plan to take a day from work and drive back to my parents to take the ID to the local police, as well. This way I'll have copies of the report on file. I'll also use that day to freeze my credit and change my bank account info just to be sure. Realistically, this is probably the least damaging way to realize your identity may be compromised, but I'll count this as lucky and change everything up. Better safe than sorry. Thank you all again! [link] [comments]  |
| Posted: 04 Mar 2020 04:38 PM PST So, my wife has been "bummed out" recently about not having fancy things or our kids not having name brand clothes. Most of our friends are sending kids to private school, their kids wear name brand clothes or they live in expensive houses, etc. I have no explanation to give my wife except, I bet they are not saving as much or as financially secure as us. My wife and I (36). 2 kids (5 & 2) Income: 200k (only in the last 4 years) 401k/Roth/529: 455k Liquid: 40k Debt: 160k (house worth 225k) We are going to buy a bigger house in the near future (400-450k) Any suggestions?? I'm about the suggest therapy because anything I say just isn't enough. [link] [comments]  |
| Giving siblings insurance money. Posted: 04 Mar 2020 07:26 AM PST Both of my parents passed away late last year. both of their life insurances combined to about $500,000. I was listed as the contingent beneficiary on both of the policies, so a check was already made out to me. The issue is that I have 2 siblings though and would like to split this money evenly between all of us. How would I go about giving $166,000 to each of my siblings? Can I simply write a check? Are there any tax repercussions? Also, one of my siblings is a minor who I am now the legal guardian of, I'm not to sure if that will make a difference. Thanks for any insights that anyone can provide. Edit: Thank you all for the information provided. I think I understand the basics of what I need to do. I wil consult an attorney to make sure everything you all told me (IRS gift form and UGTM account) are the correct path to take. Again, thank you all so much for giving me a little clarity on how to approach this! [link] [comments]  |
| 30f, get first credit card, ready to move out of my parents house. Posted: 04 Mar 2020 06:20 PM PST I have a good, steady job, finally. I have some savings. Time for my first studio apartment. I'm not in debt, I have never been in debt. I never got a credit card , only used my bank card. I don't know what my credit score is. I need to start this process. I resisted getting credit cards for years, I just don't like it. What kind of credit card seems good for my situation? I plan on putting only gas / groceries on it and paying it off each month. [link] [comments]  |
| What kind of jobs are out there for a 30 year old with high school education Posted: 04 Mar 2020 01:49 PM PST TLDR: I currently work at a University as an Office Support Assistant making $15/hour. I don't see any opportunity for advancement with my education. I honestly don't see myself going back to school. I have tried twice and both times have a really hard time and end up dropping out. I've been thinking about looking into learning a trade, but thinking I'm getting too old. After I graduated high school I went to community college for two semesters with a total of 12 credits. I decided I wanted to travel and worked for two years while living with my parents. I traveled to South America where I spent a year working at hostels and just traveling. I came back to the US and worked at Sears for years and saved as much as I could. I then took a six month road trip around the Contiguous United States. I came back to live with my parents and attempt community college again. I took a placement test and had to take the same classes I had already taken again. I managed to go three semesters before I dropped out. Before I knew it I was 27 with no education, living with my parents and a dead end job working at Aldi as a cashier. I became very depressed. I lost touch with all my friends. I stopped going outside and started to play video games. I became addicted to this game called League of Legends. I was to the point where I worked then came home and played all night. I eventually started to see a therapist who helped me a great amount. I quit video games cold turkey and started going for walks outside instead. I would get off work and go on a 1-3 hour walk. No destination, just walking and taking in all the things I saw. I was living in the moment and it felt wonderful. I turn 30 in August and I currently work I currently work at a University as an Office Support Assistant making $15/hour. After taxes I make about $1,800 a month. I'm financially okay, with $5,000 in savings. I don't have any debt besides my car loan, which I own about $3,000 left. My employer matches 100% up to 8% of my pay which I do. I have a Roth IRA that I contribute $250 a month to. I feel like I'm not making enough to afford having children which my girlfriend and I want to have. Same with buying a house. I don't want to be stuck renting forever. Right now I make about $1,800 a month. I would absolutely love to make $50,000-$60,000 a year. I just feel like even though I save as much as I can, it won't ever been enough to afford a house and 1 or two kids. [link] [comments]  |
| Should I stop contributing to my 401k to pay off my student loans faster? Posted: 04 Mar 2020 09:22 AM PST I am graduating in May. My company will not match my 401k for the next 5 months. I am currently contributing about $200 a month to the 401k. I owe $23,929.63 but I'm not required to start paying until 07/22/2020 since I am still a student. I am thinking about stopping the 401k since it has no match and begin paying $400 per month starting today towards these loans. My student loans are: - $3,500.00 @ 3.76% - $2,245.71 @ 3.76% - Interest is already accruing - $4,500.00 @ 4.45% - $2,202.96 @ 4.45% - Interest is already accruing - $4,615.00 @ 5.05% - $3,069.29 @ 5.05% - Interest is already accruing - $1,523.00 @ 4.53% - $2,273.67 @ 4.53% - Interest is already accruing [link] [comments]  |
| Building auto-updating google spreadsheet for tracking investments Posted: 04 Mar 2020 07:23 PM PST I was trying to build a spreadsheet of all my investments in Google sheets to keep track of all my investments in one place. I would like the sheet to update in real-time or at least daily, so I can track the value of my holdings. Using the Googlefinance function, I was able to get this to work for my individual stock holdings, but I got stuck at holdings in my 401K. Specifically, these are Vanguard 500 Institutional index and State Street target date retirement 2050 class w. Apparently there are no tickers for these two investments since they are organized as investment trusts and do not really trade like an etf or index fund. Has anyone faced anything similar and found a workaround? [link] [comments]  |
| Made 70k last year on P*rnhub, what do I do about taxes? Posted: 04 Mar 2020 04:19 PM PST Hey all, Like the title says, about a year ago I made an account on P*rnhub and applied for monetization in their model program with my girlfriend. At first it was just for fun but it turned out into really good additional income. I made a little over 60k on P*rnhub from ad revenue and selling videos and about 5-10k promoting another paid adult site with our content. We don't show our faces in the videos and anonymity is important so I'm hesitant to talk to an accountant about this. As far as I know this is all completely legal in the US. I did not get any tax forms from P*rnhub as they said they are not an American company. Do I have anything to be concerned about when adding this income to my tax return? [link] [comments]  |
| Posted: 04 Mar 2020 01:06 PM PST |
| Been broke my whole life, starting a new job soon. Advice? Posted: 04 Mar 2020 07:48 PM PST So title scratches the surface. I've been hired by a tech company in the bay area to start in Fall. My average yearly income used to be $5000 - < $10000. Now I'm looking at high 5 figures with an increase to 6 after a year. I've been researching taxes and seeing the different brackets. I'd like advice in how I could make charitable contributions to my community that will make a positive impact for the youth and young adults. Seeing as I'd be paying a lot in taxes moving forward in life I'd much rather see that money go into my struggling community. Is there anyone on here that came from nothing and made any attempts in giving back? How did you go about doing it and what unexpected things arose? [link] [comments]  |
| Posted: 04 Mar 2020 08:14 AM PST Hello! I'm looking at purchasing an engagement ring for about $5k in a couple months. I can pay outright for it, however, the store offers 0% financing — I could pay monthly for 6 months. Is there any advantage to paying monthly when there's no interest? Thank you!! [link] [comments]  |
| Invalid debt keeps being sold from one collection agency to another. Posted: 04 Mar 2020 07:31 PM PST Hi. First time poster, longtime lurker. I hope my formatting is ok. I really appreciate this sub and all the great info. I settled a debt back in 2002. I received a letter stating it was paid in full, but it keeps coming back to haunt me. Whenever I get a new notice, I take the following steps: I still get notices every few years. (18 years later!) I got another notice a few weeks ago and I was getting my documents ready to send. Then I noticed something. On the back of the letter it stated something I had never seen in one of these letters: Does anyone have any thoughts on this? It made me wonder if I should dispute it at all. It's not a big deal to dispute these things every few years, but I kind of hate it. Do you think there's any way to prevent these companies from selling this invalid debt? A big thanks in advance for any ideas you might have. And hopefully the formatting doesn't break anyone's brain. [link] [comments]  |
| Posted: 04 Mar 2020 07:21 PM PST |
| 19 years old and think I need to start saving and budgeting. Posted: 04 Mar 2020 02:01 PM PST I'm even sure this is the right place to post this but... ...As in the title I'm 19 still live with my parents I work a part time job but have hardly any savings and if I'm honest all I do every month is waste my money away. I put aside the money for any monthly payments I make (car insurance, road tax, phone bills etc. As well as things like Spotify and Netflix.) but I waste the rest on useless things I don't need. When realistically at this age I need to start saving. Unfortunately I have minimal will power to do anything about it too. I'm wondering what the best way to deal with this is. I need an easy way to set section my money into different areas. E.g. Payments, Food, Savings, Money left over etc. Almost like putting my money into pots if that makes sense. But I don't know if there is a way to do this. Any help is much appreciated. I live in the U.K. [link] [comments]  |
| Posted: 04 Mar 2020 06:31 PM PST Ok guys. Need some help here. Doing my taxes. It's a mess. Ill leave out most of the mess, unless anyone wants me to elaborate. Which I will happily do. I was a 1099 contractor in 2018. At the end of 2018 I got a w2 job and gave up the 1099. At the same time, my gf needed a job. I let her work the 1099 under my name, and she kept the income. (With approval from the contracting company) She got hired on as an independent contractor herself. So she was 1099 also for 2019. For the entirety of 2019 she worked her 1099 jobs, and most of mine. I did maybe 10% of the work. She did the rest. I signed the checks over to her, and didnt keep a penny. I just kept my w2 wages. However, the 1099 came in my name, and because of it i went from a 5k refund to a 2k bill. How do we handle this on our taxes? Do I cut her a 1099? I do not have an ein, and wasn't aware there would be this problem. Yeah, I'm dumb. So, if that's what I need to do, don't have to apply for an ein? And what are the implications of this? Considering the 1099 will be issued after the jan 31 deadline, and an ein applied for in 2020 would make a payment to someone in 2019? What else can I do? Or am I just screwed? [link] [comments]  |
| Ontario, CAN - Purchased Vehicle, Dealership Cannot Deliver Posted: 04 Mar 2020 10:01 AM PST Update: After calling Nissan Head Office I got a call from the dealership about 2 hours later. They are delivering the car I signed for and put a deposit down for on Monday. They apologized and said they did not handle the situation well. Thank you everyone for all of your advice! 33 year old female living in Ontario, Canada. I purchased a 2019 Qashqai S 2WD on Saturday from a local dealership. They had initially wanted me to purchase the SV but I said the features I gained were not worth the price difference to me, thus I wanted the S. I provided a deposit and signed the sale paperwork. The deal was 0% financing for 60 months, 4 years free oil changes and they covered my first three months of payments (paid for, not deferred). As I was leaving they asked me for additional color choices, saying they would have to source the inventory from one of their dealer partners. Monday at 2pm I get a phone call saying that they cannot source the 2019 Qashqai S. The salesperson said my options were to get a 2020 Qashqai S without the financing but they will throw in the 4 years free oil chanes to "make it right", get a 2019 SV or get a 2019 S AWD (both of these options would be at a higher price which I would have to renegotiate). I said I was confused because they said they were showing 8 in stock and never expressed any concern with sourcing the vehicle at the time of purchase, they said it was the end of the month so it is what it is, I just have to deal with it and make a decision. I asked to speak to the manager in person. They said the manager is only available Monday to Thursday 9am to 4pm. I stopped in yesterday to get this resolved, the GM wasn't there but the Sales Manager was. The Sales Manager is saying they were showing 3 in inventory on Saturday (not 8 like the Salesperson said) and that I shouldn't be surprised because stuff like this happens all the time and there's nothing they can do. He said I can renegotiate for a different model at a higher price or I can have my deposit back. Normally I'd be fine with just taking my deposit back and leaving a bad review but:
I asked the Sales Manager where in the contract it says they can cancel if they don't have inventory - it doesn't. He said that he's been using this contract for 10 years and I should just understand this is how it goes. I'm not really sure what recourse I have at this point. If I walk away I lose the financing, payments covered and oil changes plus my credit will be pinged again elsewhere. Any thoughts? Suggestions? Thank you in advance! [link] [comments]  |
| Posted: 04 Mar 2020 06:12 PM PST Hello I would like to know if which loan would be cheaper in terms of monthly mortgage expense? Because I know they both have pmi. I was just wondering which one has the highest pmi. For instance if I were to buy a 160k house how much would the mortgage be for both conventional and fha concerning the pmi who's more expensive? [link] [comments]  |
| Posted: 04 Mar 2020 04:30 PM PST With the news of the 0.5 fed rate cut I'm looking to take advantage and lock in my rate and deposit at least part of my emergency fund into Ally's No-Penalty 11-Month CD. I have $5,800 in savings right now (emergency fund) With other funds pushing me to $10,000 (I like keeping a buffer in my checking accounts for credit card payments.) excluding my IRA. Ally offers 1.65% on less than $5k and 1.85% on 5k to 25k. I don't see a big benefit in moving all my savings to the CD. But can see part of it. My Questions: 1) Is this a smart thing to do? 2) Is there a catch I am not seeing? 3) I know the interest amounts to not a hole lot, but 0.5% of $2.5k is still $12.50... which is a meal out. Is it worth it? [link] [comments]  |
| Posted: 04 Mar 2020 08:08 AM PST I'm admittedly a dummy about mortgages. I am looking at possibly refinancing. I'm currently 6 years into a 30 fixed mortgage at 4.25, my balance is around 203,000. The options given to me by the lender I am considering are as follows: Rate-2.750% points-1.375% closing fees-$5,074 payment-$1209 Rate-2.875% points-0.875% closing fees-$3,959 payment-$1222 Rate-3.00% points-0.375% closing fees-$2,844 payment-$1236 Rate-3.125% points-0% closing fees-$2008 payment-$1250 I'm clueless and I don't want them to know. HELP. [link] [comments]  |
| Posted: 04 Mar 2020 07:44 PM PST I refinance last August from 30 year at 4.5%, to 20 year at 3.5% with 1400$ in fees. Could now go to 15 year at 2.625% and fees would be at 11-1200 this time. Since the feds are cutting rates does anyone expect them to go lower? [link] [comments]  |
| Boss told friend to file taxes as business Posted: 04 Mar 2020 07:35 PM PST So my girlfriends sister is a Physician Assistant and her boss told her to file her taxes as business and now she owes 35,000. I don't know much about filing taxes but this sounds wrong to me and I would like to hear your opinions. [link] [comments]  |
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