Personal Finance always keep vehicle maintenance records, you could get reimbursed! |
- always keep vehicle maintenance records, you could get reimbursed!
- Is 1 year old, <15K miles the sweet spot for buying a car? Often it's 15% off the price of the car new. Seems like the best balance of savings and risk?
- Fell For Phishing Scam, What Can I Do?
- Just inherited a kilo of silver, and someone offered me 544 USD for it.
- Ticketmaster refunds... Read the fine print before accepting
- Help this teacher over $50K in debt understand the risks and rewards of refinancing student loans
- Mortgage about to fall through...advice?
- AT&T charged me for a billing cycle I didn't even use
- Transferred all my money out of Citi and closed my accounts a month ago. Just found out my Savings never actually closed, and they charged me $25 and overdraft fee of $34
- Feeling guilty about being financially good and not sharing
- I Created a Portfolio Re-Balancing Excel Spreadsheet Without Selling
- Just saved a small amount of money. What are the best ways to generate passive income with it?
- AMEX is clawing back 2 years worth of airline credits used for gift cards.
- ROTH deadline is now till 7/15 for 2019. I already filed 2019 Tax. Can I still contribute to Roth?
- Received e-mail from debt collector
- Venmo got hacked and someone charged money from my account, what do I do now?
- Rollover into a Roth IRA, Roth 401k, or Traditional 401k?
- It's Time to Live on a Budget, Even if You're Financially Secure
- Renters insurance vs Home Security System?
- Where do you draw the line between too frugal and too extravagant?
- Help with Roth IRA
- Toyota Financial Services Lease Deferred Payments
- Is it better to have money in an account that is compounded daily at .70% or annually at 2.20%?
- Debt consolidation
- Should I spend this money?
| always keep vehicle maintenance records, you could get reimbursed! Posted: 02 May 2020 06:26 PM PDT back in march 2019, the engine fan in my '17 jeep renegade quit working. (bought the car used in september 17 from a reputable used car dealer in town). took it the jeep dealer and paid $660.85 to get it fixed. fast forward to a few weeks ago when i was browsing the r/jeeprenegade and came across a post from july 2017 about a "customer satisfaction notice" aka a safety/recall notice from Fiat Chrysler detailing that the engine fan may quit working on certain 2015-2016 renegades and they will get repaired for free. i went to FCA's service website to check my VIN but my car wasn't listed as being affected even though i had the exact issue described in the notice. so i emailed FCA and explained everything that happened and mentioned their safety campaign number. they emailed back asking for a copy of the rework invoice and proof of payment. sent that off. and just last week i got approved for reimbursement from FCA! keep any copies of repairs to your vehicles, as you could get reimbursed in the future! [link] [comments]  |
| Posted: 02 May 2020 05:40 AM PDT Looking at 2019 Corollas which have an MSRP for $20K but are showing up for $17 or 18K now used. What do you think about buying a car 1 year old? [link] [comments]  |
| Fell For Phishing Scam, What Can I Do? Posted: 02 May 2020 05:38 PM PDT I'm a bit embarrassed to even admit I fell for a scam like this but I need some advice. My company has been working remotely at home for the past month and a half so it's not uncommon for all work requests to be made via email. On April 30th, I received an email from my "boss" asking for a quick favor. The email address had his full name and a picture (I don't know if my email was glitching because I send emails to him all the time). I didn't think much of it because he emails me to do things all the time and I was in the middle of a project that I needed to complete that day. He requested that I send money to a vendor and that I would be reimbursed later that day via the company funds. He said he was busy in a bunch of meetings and conference calls that he was unable to get out of. Again, this sounds plausible to me because the clinic I work at is in charge of a lot of Covid-19 trials and we constantly have conference calls/meetings to initiate the studies. So I sent the money ($1,700) to the "vendor" on Cashapp, didn't think much of it, and went back to work. A couple of hours later, I get an email from my real boss and he said that there has been phishing emails going around with someone impersonating him (they sent emails to everyone at my clinic). I quickly realized that I sent money to a scammer at that moment. I honestly feel so stupid right now but I blame it on my lack of experience (I'm the youngest at my clinic). I quickly called my bank to try to reverse the payment but they weren't very helpful. I called again the next day and got someone that actually tried to help me. He filed a fraudulent claim for me and temporarily reversed my payment while they "investigate" the situation with SquareUp and Visa. I guess what I'm asking is: how likely is it for me to win this case? I have email correspondence proving that it was an impersonator and I filed reports with Cashapp and the police. Is there anything else I should do? Any advice would be helpful right now. :( [link] [comments]  |
| Just inherited a kilo of silver, and someone offered me 544 USD for it. Posted: 02 May 2020 07:06 PM PDT Not real sure what to do, I don't need the money as of right now. I am thinking about just throwing the kilo in a safe for a rainy day, maybe it'll peak like it did back in 2011. [link] [comments]  |
| Ticketmaster refunds... Read the fine print before accepting Posted: 02 May 2020 04:32 AM PDT This morning I got an email saying I could get a refund for one of my concerts, RATM in Oakland. This was the concert that started a class action case so I thought I should check the full terms before accepting. I also previously posted about my chargeback request with American Express. This is what I found: "...you will not dispute or otherwise seek a "chargeback" from the company whose credit card you used to purchase tickets from the Site. Should you do so, your ticket(s) are subject to immediate cancellation, and we may, in our sole discretion, refuse to honor pending and future Credits, Concert Cash, and/or ticket purchases made from all credit card accounts or online accounts on which such chargebacks have been made, and may prohibit future purchases from all persons in whose name the credit card accounts exist and any person who accesses any associated online account or credit card or who otherwise breaches this provision from using the Site." So I'd be agreeing to allow them to ban me and take any other tickets I have. No thanks and fuck you Ticketmaster. I'll be forwarding this offer of refund and terms to amex in support of an expedited case settlement in my favor. [link] [comments]  |
| Help this teacher over $50K in debt understand the risks and rewards of refinancing student loans Posted: 02 May 2020 04:14 PM PDT I am a special education teacher with two bachelor degrees, a masters degree, and a lot of student loan debt. I am tired of spending almost $1K/month on student loan payments without seeing much dip in the total amount I owe, and am hoping someone here will offer advice I can use! My current budget allows for monthly payments of $862.46, which I am disbursing between the following loans: Private
Federal
For my federal student loans combined: $30,260.86 current total unpaid principal, $345.43/month payments, 07/2030 estimated pay-off date Additional Factors
Questions
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| Mortgage about to fall through...advice? Posted: 02 May 2020 04:44 PM PDT Hey all. I am in the process of buying a home. I am putting 20% down, have excellent credit, 3+ years work history. About two months ago, I put in my notice to become part time and work as a contract worker starting at the end of May. Well, during the time in between, I found a house and fell in love with it. So we went through the process, I told my lender I was leaving and working as a contract worker which would have been right around the time we close. He called me and told me that they wouldn't give me a mortgage since it will be a contract position and not a continuous one. I'm upset but want to know if there would be any issues with this: -Asking my current boss to extend me before we close (basically rescind my resignation until after I close) and after I close, going back to being a contract worker (very stable field, double the pay at least and I would still be working part time at my current job making more than I do now). Would there be any issues with me calling the lender on monday and telling him I changed my mind and that the mortgage takes priority? [link] [comments]  |
| AT&T charged me for a billing cycle I didn't even use Posted: 02 May 2020 05:41 PM PDT Hey guys so I guess I'm in a dilemma, AT&T has charged me for a billing cycle that I didn't really even use, charge total is $95. Well I would love to just pay this and get it over with, I specifically called them before I transferred my phone over to make sure I had no fees left and overall make sure that the transition would be smooth. The guy even told me that I would be paid money back for the services I didn't use. So now I get an email saying I have a sitting balance, and that I owe them money. I called the AT&T customer service line and pretty much they just told me they can't do anything because I cancelled on the 25th and the billing cycle ends on the 17th, obviously I'm livid because if I knew that I had to pay for the month I wouldn't have transferred three weeks ahead of time. So I guess I'm asking is there anything I can do? Or am I just stuck with this bill? They said they would send me to collections and would tag my credit score with a 30 day late fee. [link] [comments]  |
| Posted: 02 May 2020 02:45 PM PDT I just got a statement from Citi. Wondering why I'd get one when my accounts are closed, I checked it out. Turns out when I closed my checking and savings accounts a few weeks ago, the savings never actually closed. They charged me $25 since there wasn't a minimum balance in it (I drained it), and an extra $34 overdraft fee. I've tried getting through their phone service multiple times, but it auto-disconnects after a half hour on hold every time. Any idea what I can do here? [link] [comments]  |
| Feeling guilty about being financially good and not sharing Posted: 02 May 2020 07:10 PM PDT Hi PF - I wanted to talk about donations and giving back monetarily. I've always been one to volunteer for events but never donate. Im ok with using money to buy gifts for others such as adopt a family or paying for an entire thanksgiving dinner, but donating a certain amount would always be where I hesitate. Lately with COVID19 I've had friends donate their entire stimulus checks whereas I stashed it in my retirement. I am not in a financially bad place. I just always think about padding my e-fund, my house maintenance fund, my retirement, etc before I even think about donating money. I feel really bad after I thought about it. I'd love to give back with money, not just my time, but it's a lot harder to do for whatever reason. I feel selfish. Really selfish. And it hit hard when I heard about my friends' stimulus checks versus mine. I guess I want to discuss - how do you approach monetary donations and what is your financial health? [link] [comments]  |
| I Created a Portfolio Re-Balancing Excel Spreadsheet Without Selling Posted: 02 May 2020 05:52 PM PDT Hello, I created an excel spreadsheet that takes a portfolio and re-balances it without selling shares as you contribute. As you contribute, it will allocate the contribution in a way to maintain your desired overall portfolio allocation. So if your desired overall portfolio is 90% equities and 10% bonds for instance, it will calculate what part of your contribution should be allocated towards each fund in order to maintain your desired overall portfolio allocation no matter how small the contribution is. As your portfolio fluctuates, you can contribute whatever desired amount you prefer, and it will calculate what portion of your contribution should be allocated towards each funds, thus even after your contribution, you'll maintain that 90-10 ratio. Plus, it can work with more than 2 funds. It works best with mutual funds because you can purchase fractional shares of them. Let me know if you're interested in it, and I'll figure out a way to share it. [link] [comments]  |
| Just saved a small amount of money. What are the best ways to generate passive income with it? Posted: 02 May 2020 05:51 PM PDT After a few years of saving we finally have about 8k we can invest. In a few months we could round that up to a nice even 10k. So basically investing is my question. I'm 3 years out of high school and I took a Dave Ramsey class. All I really remember is him constantly talking about putting money into a mutual fund at 12%+. Is that the best way to go? Is that even obtainable to find a mutual fund at 12+? So many questions. I would be happy with any resources if anyone wanted to point me in the right direction, I have no problem researching and putting the time in. There's just so much out there it's hard to navigate. Thank you! [link] [comments]  |
| AMEX is clawing back 2 years worth of airline credits used for gift cards. Posted: 02 May 2020 05:52 AM PDT Received 2 separate emails from Amex yesterday stating they will be clawing back their airline credits because it was used to purchase Delta gift cards. This was on my Platinum and Gold card. The Platinum card was closed last year but still got the email. [link] [comments]  |
| ROTH deadline is now till 7/15 for 2019. I already filed 2019 Tax. Can I still contribute to Roth? Posted: 02 May 2020 08:01 AM PDT I already filed Federal tax for 2019 (not states yet). I heard that one can contribute to ROTH IRA until 7/15 for 2019 tax year. My AGI was ~80k in 2019. Is it still possible for me to contribute to Roth IRA after filing the federal tax for 2019? I need to make sure that this contribution is for 2019 tax year because my income will be much higher this year 2020 (I won't qualify to do traditional ROTH at all). I am not sure how contributing to ROTH now affects 2020 tax (since I won't qualify to do ROTH 2020 except doing the back door). I just want to make sure ROTH IRA contribution I make now is not associated with my 2020 tax return. Any advice? or information is appreciated. [link] [comments]  |
| Received e-mail from debt collector Posted: 02 May 2020 05:01 PM PDT I received an e-mail from a debt collector about payments I had due, I think stemming from over 4 years ago. At the time my card was compromised with the said charges and I called my bank and got a new card etc etc. Now I have a debt collector trying to collect a debt from charges I had charged back 3-4 years ago. I used the sample letter that is provided asking for a debt validation letter + proof of documentation that I owe the debt + anything pertaining to it. They responded back saying it will take up to two weeks to get said paperwork. I've read online that if they don't respond to me within 5 days with the validation letter + other documents they are not legally allowed to pursue the debt anymore. Is this true? What do I do next? Do I just wait the 5 days then tell them to fuck off or what? Any help moving forward would be appreciated, thank you. [link] [comments]  |
| Venmo got hacked and someone charged money from my account, what do I do now? Posted: 02 May 2020 08:26 AM PDT It appears someone has gotten a hold of my personal information. I noticed about 4 days ago my email was hacked and someone was trying to take over various accounts of mine. I was alerted to this because I got a notification saying someone was trying to buy Starbucks gift cards on my credit card. So I got a new card and checked through my emails. I had corrected what damage was done at the time and put a 2FA on my email. Yesterday I woke up saying that my checking account was overdrawn 1600 dollars. I didn't make any purchases so I immediately looked into what was wrong. I saw 3 charges of 990 posted from my Venmo. I try to get on my Venmo account and it is locked and I can not access it. I tried to recover the password via email and phone number but didn't recieve a notice to update it in my email. I did recieve an email from Venmo asking to confirm my identity via license picture which I am awaiting response. The money has gotten charged out of my debit account now, and venmo didn't respond until today to tell me they are closed on the weekend and I have to be patient. There is no way to contact them besides email. I tried calling my bank and they said there is basically nothing they can do to help me but I feel like this is false. I am pretty much just sitting around waiting for someone to get back to me and I don't know what to do from here. Any suggestions would be very helpful [link] [comments]  |
| Rollover into a Roth IRA, Roth 401k, or Traditional 401k? Posted: 02 May 2020 12:47 PM PDT I recently changed jobs and previously had a traditional 401k I was aggressively putting into. Currently with my new employer I have a Roth 401k, and I was wondering if I should roll it over and do a Roth conversion. Another option I have is roll it over to my Roth IRA. What would be the advantages of putting it in my roth 401k vs my Roth IRA? The options I have are: 1: Roll it over into my Roth 401k 2: Roll it over into my Roth IRA 3: Roll it over into a new traditional 401k (better options than my current) 4: Roll it over into a traditional IRA. This will be for about 10k of money earned all in 2019. I make about 50k a year. I expect to be making more in the coming years, although you never know what happens. Most of my retirement money is in my Roth IRA and new contributions will go into my Roth 401k so it may be good to hold onto it for the sake of diversification. Any thoughts? [link] [comments]  |
| It's Time to Live on a Budget, Even if You're Financially Secure Posted: 02 May 2020 08:16 PM PDT It's a tough time for most. I found this on my feed and thought I'd share it: https://twocents.lifehacker.com/its-time-to-live-on-a-budget-even-if-youre-financially-1843180219. TL;DR:
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| Renters insurance vs Home Security System? Posted: 02 May 2020 05:04 PM PDT I rent an apartment with my partner. Is renters insurance or a home security system more cost effective? [link] [comments]  |
| Where do you draw the line between too frugal and too extravagant? Posted: 02 May 2020 08:34 PM PDT I see examples of people living above their means, buying expensive things they don't need on credit, etc. On the other hand, I also see others that are frugal to the point of living insanely boring lives with no adventure or the occasional treat, who then retire early to continue living a boring life. Where do you draw the line? [link] [comments]  |
| Posted: 02 May 2020 08:22 PM PDT My wife and I recently got married. I'm from Scotland and now living in Florida (greencard processing). We have built up some joint savings, have some investments in mutual funds and my wife has her own 401k. I opened a Fidelity Roth IRA recently and I was wondering about the benefits of the $6,000 contributions for 2019,2020 - specifically what would be the benefit(s) of taking money from our savings and adding it into my Roth IRA? Any help would be great! [link] [comments]  |
| Toyota Financial Services Lease Deferred Payments Posted: 02 May 2020 06:03 PM PDT TFS is offering deferred payments on my lease. My lease is over 7/31 so I only have 3 payments left. Does anyone know if deferred payments affect credit? My credit is great and I can afford my payments but 2 months of deferred payments would be nice. If I'm reading it right basically 2 months would be "free" and I would have 2 months added to my lease so instead of it ending in July it ends in September. Worth it? TFS is hard to get on the phone so I havent been able to get through to them to find out so if anyone knows please share! [link] [comments]  |
| Is it better to have money in an account that is compounded daily at .70% or annually at 2.20%? Posted: 02 May 2020 08:09 PM PDT My current bank has the former. Always thought that this was great given it is interest being compounded daily but after looking more into it, it is decent. Am I wrong? Edit. I meant to say 1.55. Not sure why I said 2.20. [link] [comments]  |
| Posted: 02 May 2020 07:57 PM PDT Ok so I am 23 years old and after turning 18 I made a bunch of bad decisions regarding credit cards and car loans which have led to my current credit score to be about 450 or so maybe a little less. I owe around 25k total with all my credit cards and auto loan after it got repossessed and sold. I'm not working right now but working on getting my cdl so I can start my career as I don't want to keep floating to dead end jobs. I have a felony on my record as well which makes it a bit more difficult but I'm determined to get a good job in that industry. I would prefer not to file for bankruptcy and obviously id much rather start paying everything off but its kind of intimidating and a pain in the ass to call every company I owe and set up plans to pay back and what not and I would much rather consolidate my debt and make one monthly payment with hopefully a decent interest rate. But not sure if my bad credit will even allow me to be considered. I'm obviously going to be doing this all when I start working again as I can't pay when I don't have any money myself. But Is it possible for me to be able to consolidate my debts and if so how should I go about it. Thanks in advance [link] [comments]  |
| Posted: 02 May 2020 05:30 PM PDT So I'm planning on getting this game that's 87 dollars. I have like 190 dollars to spend. Should I spend it or should I save for other things. I'm second year of high school and I don't really know if I need that much money to survive. I've been waiting for this game for a long time but now I'm considering the choices and getting scared if I run out of money. Thank you to anyone who answers. [link] [comments]  |
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