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    Thursday, May 14, 2020

    Personal Finance My Mom is getting scammed and trying to drag me down with her

    Personal Finance My Mom is getting scammed and trying to drag me down with her


    My Mom is getting scammed and trying to drag me down with her

    Posted: 14 May 2020 05:07 PM PDT

    I really apologize if this is not the place for this story but I figured I could get the advice I needed from this sub. TL;DR at the bottom.

    When I was 17, I am now 21, my mom added me as an authorized user to a few of her credit cards to help build my credit. Ever since she was keeping up with the payments and it was steadily helping my credit.

    In October of last year her and my dad started having issues and she started online dating. She got involved with someone with an obscure story and unbelievable coincidences. It wasn't long before he started offering to pay off her debts for her. (Debt I was not associated with) Since, she has given all of her credit card info to him, the last 4 of her social, and more I presume.

    The debt that was "paid off" was bouncing and he gave her all kinds of excuses as to why. I tried very hard to explain the kind of scam this is, but she will not listen. She truly believes she is in love. It wasn't long before he started purchasing things on her cards, especially ones that I was an authorized user of. It is affecting my utilization and I honestly want nothing to do with any of it anymore.

    Fast forward to today, I called Citi. One of the cards is the Citi simplicity. I asked the agent to remove me as an authorized user and he told me that he can not make any changes unless my mom authorizes it. I added my mom to the call and she refused to remove me as an authorized user.

    Am I stuck on a card that will severely impact my credit when it defaults like her other accounts? I am so incredibly stuck in this situation any advice would be appreciated.

    TL;DR: My mom is in a romance scam and gave her credit cards to him. He spent lots of money on a card I am authorized user on. My mom won't pay it because "he's paying it". I want to remove myself from the card but Citi will not allow me to. Help.

    submitted by /u/PacificLite
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    Employer attempting to deduct from my final wages - PA

    Posted: 14 May 2020 06:44 AM PDT

    I have just quit a job at a PA company. I put my two weeks in, and my employer said they would not need me the next two weeks and that that day (last Friday) would be my last day. Today my employer told me that they intend to deduct the cost of training I received from my final paycheck. The training occurred from September 2019 to November 2019, at which point I withdrew from the training without completing it. In January 2020, my employer amended the company policies from stating that training occurring within (6) months of terminating employment should be paid back by the employer, to ALSO say that "incomplete" training should be reimbursed by the employee. At the time, I was not asked to pay back any money, as the policy was not in place when I terminated my training. But now that I am leaving, my employer is stating that I have had this "debt" to the company regardless of not being informed of it until today. I am outside the six month period dictated by the policy, and don't know what resources I have. If anyone knows the best ways to approach this, I would be very thankful.

    submitted by /u/biggity_box
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    The common rule of thumb used for retirement contributions is 15% of income towards retirement savings. Does this 15% include employer match?

    Posted: 14 May 2020 10:23 AM PDT

    Hey guys, burner acct cause my coworkers browse this sub.

    I'm a 20 something y/o male putting away 9% of my OWN pre-tax income towards retirement and getting a 6% contribution from my employer (401K).

    I've currently got about $3k left in student loan debt that I've been paying off for the last year (since being employed), and I've been contributing the minimum needed to a 401K to receive a full match so as to not throw away "free money".

    I was wondering - once my debt is paid off (within the next 6 months) should I increase my contributions to be 15% of my OWN income or does my {9% + 6% employer match = 15% total} count?

    Obviously more is better but I would also like to save towards purchasing a home and I live and work in a HCOL area (California) where my rent is roughly 24% of my gross salary.

    Also saving about 18% of my net income towards a home on top of my 9% 401K contribution.

    My debt has deferred interest until January 2021 by the way, so that's why I am paying it off slowly over the next 6 months.

    Thanks for the help guys and have a great day!

    EDIT: This blew up more than I anticipated. I promise I'll get back to you guys after the workday! Thanks for all the responses, please keep em coming!

    submitted by /u/therealcarolFbaskin
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    If you are carrying debt on a Discover card, call their support.

    Posted: 13 May 2020 11:46 PM PDT

    Edit: I notice a lot more people sharing way better stories (extended 0% over many more months). I want to be clear that I have a huge balance. There is no way I'd expect to get a free pass. So I'm still very happy, and happy to hear others have similar unexpected positive surprises too.

    After telling them my situation, the support person offered me a term of 1% APR repaid over 5 years, as long as I don't miss payments and close my credit card account.

    This is extraordinarily generous. There was no screaming either. The support person's kindness reverberated over the phone. There was maybe a 2 minute call wait.

    This may sound like an ad, but it's not. I just feel really grateful. I know many of you own Discover cards too, so it's worth sharing.

    If there's one bank you can skip calling it's Chase. It's confusing to get a call, the wait time is long, and they have a hard policy of offering relief only in the form of delaying minimum payments.

    submitted by /u/EetzRusheen
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    Should STD testing cost $1400?

    Posted: 14 May 2020 06:42 AM PDT

    I recently went to go get an STD test from a local clinic. I got a bill for $128, and the rest was covered by insurance. However, I'm looking at my claim summaries on my insurance account and I got a EOB (not bill, sorry) for $1400 from Quest Diagnostics?? My insurance only covers $54. I just wanted to know if this was reasonable or should I talk to someone? I'm a college student with no jobs at the moment due to the pandemic and I have student insurance.

    Edit: Thank you all for the input, I was so confused lol!

    submitted by /u/getinwhereifitin
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    CashApp/LetGo Scam - PLEASE stay vigilant

    Posted: 14 May 2020 04:44 PM PDT

    https://imgur.com/a/G4Ar17O

    I'll admit there was a half of a second where he almost had me. Stay vigilant y'all. This specific thing probably is not common, per se but just a warning to always be on the lookout.

    submitted by /u/Ultimatezach
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    Ex scummy financial choices may have gotten me a free car.

    Posted: 14 May 2020 12:02 PM PDT

    So a little backstory, about 7 years ago I was in rut personally and financially. I had just lost my job and gone through a divorce so money was tight to say the least, to add on top of that my old car had just blown a gasket and was completely junked.

    I managed to secure a job but needed a car bad so with no savings I went to a dealership in hopes of getting finances for their cheapest car. They were great in helping me out and only asked for 300 down for a decent little Hyundai Accent but at 14% interest through Wells Fargo Dealer Services. I took it because I was about to be homeless and this job paid ok.

    Fast forward a year or so and I'm doing fine. Until the lawyer fees start adding up with the divorce lawyer, I am adding debt to myself at an extreme rate. The car has also been burden with a bad alternator not covered under warrantee since I bought it used among other mechanical problems. I get overwhelmed so I start prioritizing rent and essentials, basically leave the car to be repoed. I just drive it until one day I assumed it would vanish.

    That was 5 years ago and I still have the car.

    I am now in a better place with a high paying job in a DoD contractor and only 700 dollars worth of credit card debt. I managed to keep the car registered and insured and use it as my daily driver. I recently started to think I should upgrade so I called Wells for the first time to see if I could resolve the issues or just give them the car back. They tell me basically the car is about four months from being written off the books, essentially giving up on trying to get payment for it and I would get it for free. Tax penalty being they would add the debt to my taxes as income. The reason why they could not start the reclamation process was due to them being in multiple class action lawsuits I guess my loan was a part of.

    I don't like the idea of being and asshole so I ask if there's any way I could maybe refinance or return it. They say I can refinance but the loan payoff is substantially higher than the Kelley blue book or trade it in a roll the amount the trade I couldn't cover into my new loan. I have already been approved by my credit union for a new loan so I would like to avoid paying anything higher than I want.

    So essentially r/personalfinance unless I sign paperwork saying I received my settlement from the lawsuit (I have not) they cannot act to repo the car. Should I be a scumbag and let it ride?

    submitted by /u/Savage_Idiot_Bastard
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    Is a Roth IRA a good investment vehicle for a teenager?

    Posted: 14 May 2020 06:46 AM PDT

    My 16 y/o son just got a job at McDonald's working almost full-time (since he really doesn't have much schoolwork to do right now) and is making about $11/hr. He lives at home and doesn't have any expenses to speak of, so we've been talking about him putting a percentage of every paycheck away and getting a head-start on investing.

    We're not concerned about saving for college as he has some of my Post-9/11 GI Bill benefits so he'll get at least some of his school paid for, and his mom and I will help him cover the rest (if he doesn't get any scholarships, grants, etc).

    Would a Roth IRA be a good way to get him started in investing, or is there something more age/income-level appropriate?

    submitted by /u/Hey_Peter
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    How do you safely sign a lease when I have no way of seeing the apartment in person?

    Posted: 14 May 2020 11:09 AM PDT

    Hi all,

    In a few months I will be moving to a different city for a new job. I need to find an apartment and sign a lease before then--all without being able to go in person (or send anyone in person) to actually visit the apartment! I am working with an agent to try to find somewhere, but independent agents only show the ones they have access to and obviously are incentivized to get me to just sign a lease. What if everything looks good in the video walk throughs/virtual tours so I sign a lease and arrive there in a few months to realize I hate the place or there are issues or something? Is this just something I will have to live with due to these unfortunate times?

    submitted by /u/jish_werbles
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    Student Loan borrowers, Check your Navient account. If you have FFELP type loans, you’re not getting the relief.

    Posted: 14 May 2020 09:42 AM PDT

    Today I logged into navient, thinking I didn't have any payments due until September. I was curious about what no interest would look like on my loans and the balances. After logging I am surprised to see that I have past due payments for April. Thinking these must be some error, I soon realize that nope there is no error. My loans are something called FFELP which are not eligible for the relief. Only the ED loans are eligible apparently. Who the heck even knows the difference between FFELP and ED? Well I do now. So no govt relief for me. Navient is offering 3 months of forbearance but with interest still accruing. So disappointed in myself to have not understood the difference and that I wouldn't be eligible for the relief. Now I'm Looking at some late payments and more feeeeees. Endless fees. Plus all the interest I though was not accruing, was still accruing. Bleh.

    Of course it's all my fault. It was my responsibility to understand the difference. But yeah, just bummed.

    TLDR; logged into Navient today to find my payments past due and that I'm not getting the no interest til Sept.

    submitted by /u/Rokkmar
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    Wife arrived in the USA on June 2019, hospital asking for documents from before that date.

    Posted: 14 May 2020 02:18 PM PDT

    Hello, on June 22, 2019 my wife arrived here in the USA. I had sponsored her here.

    Fast forward about a month or two ago so March 2020 my wife went the ER for coughing and a throat itch. This was in the beginning when COVID was emerging so...none of the clinics near by were willing to see any potential patients. Thankfully she's is all good.

    We are billed for $1,100 after insurance kicked in. We're trying to apply for financial aid from the hospital. One of the set of documents they require is proof of address. They require this document dating on or before June 2019.

    All of the USCIS documents/notices I have stored are in my name. She doesn't have anything in her's till about a month or 2 afterwards. I have called their office lines but they stated that if she does not provide any proof she will not be eligible for FA.

    How should I go about this situation?

    Thank You

    submitted by /u/MechAegis
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    I'm getting hammered with fees, I lack control of my assets and my advisor is hard to get ahold of.

    Posted: 14 May 2020 09:40 AM PDT

    I have an IRA and a 403(b) with a company I used out of convenience. After a year and a half, I'm not longer happy with their platform, fees or customer service and I want something new. My questions are as follows:

    • How easy is it to move these accounts from one platform to another?
    • Who has the lowest fees?
    • Which platform affords me the most control?
    • Which do you personally recommend and why?

    I would like to buy/sell stocks at some point too, so brokerage would be a major selling point for me.

    submitted by /u/The_Band_Geek
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    Death of Parent, what to do with estate.

    Posted: 14 May 2020 07:45 PM PDT

    Hello Everyone,

    I just had a parent pass away who was legally married but separated for over 6 months from an abusive and financially manipulative husband and am confused with the estate and life insurance.

    This parent has accumulated around 60k of debt, no assets besides a car, but has a life insurance policy which I believe is between 250-500k. And no will. The life insurance I believe is 80% me, 20% their spouse, but am not positive at this time.

    My questions are since they're legally married, their debt/liabilities would fall to the spouse correct? Or could these be taken out of the life insurance policy before it would be divided to the beneficiaries. The spouse will knowingly do whatever they can to evade any bills, and I need to make sure I'm protected.

    Due to the past history of the spouse stealing money, evading tax, and not paying businesses for services, would it be recommended that I hire a lawyer to make sure everything is handled fairly And properly. I'd rather not bring more stress and drama to the situation, but I want to know the opinions of the knowledgeable people here.

    With them being married I don't have control over anything, and am not sure what to do. Also the recent loss of a parent being 23 myself isn't easy. This is anonymous for the above reasons. Thank you all for your time in reading this, I just want to make the best decision for myself and family.

    submitted by /u/throwawayme78
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    I work in healthcare, and my employer has never paid me the hourly wage I was told I would earn when I accepted the job offer

    Posted: 14 May 2020 07:35 PM PDT

    Basically title. It was agreed that I would receive $10 an hour after my training period ended , but I am still receiving the 8.35 I received during training. I've talked to the senior account manager and she is constantly giving excuses for why it has not been updated. Ive already gotten another job and plan to put my 2 weeks in by the end of the month, but the difference over the last few months of what I was told i would be paid and what I am being paid is on the order of $700 at this point. Do I have any recourse?

    submitted by /u/DrAmsterdam
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    Do Nursing Over Social Work For The Money

    Posted: 14 May 2020 06:40 PM PDT

    I've been interested in doing social work.

    The thing is, I can't. It's really too expensive. I don't have enough work experience and the only way to gain work experience is through unpaid internships.

    So I have been thinking of doing nursing---mostly because my finances are hurting and I don't think I'd totally hate the job. It wouldn't be too hard for me to get a CNA compared to getting a Master's degree in SW. And I could be *paid* as a CNA too. Is it really bad that I'm thinking of doing this?

    When I was in college, I majored in psychology and had no idea how difficult it would be to become a counselor or LCSW. I didn't realize just how expensive applying to graduate school would be and how competitive it would be. And I also didn't realize how hard it is to find internships that I don't have to pay to do.

    Is it so wrong that I'm trying to think of what the most practical career/job to do. I've been worrying about money a lot and I need an end to those woes.

    There's a lot of reasons why I couldn't afford to do internships in college. For one, most of them were unpaid. I also didn't have a car. I would have had to make arrangements for transportation which would have been expensive. Most of my money had to go towards immediate expenses like food and rent. I couldn't use that money to relocate or move for an internship. I am going to have access to transportation now but it's little too late to get internships. I also have bills I need to worry about---medical bills and student loans.

    I know that nursing can be really competitive and requires a lot of time commitment. However, I guess it looks so "easy" when you've been through the process of applying to graduate school. I was a top student; I am graduating with a 3.7 G.P.A and several honors. None of these accomplishments were good enough for my graduate schools. I am also (decently) good at biology courses. Part of the reason why nursing appeals to me is because I love learning about the human body and disease. Fear of science courses weren't what turned me away from nursing.

    I avoided it because I thought psychology and social work were my passions, assuming I'd have an easy time being successful. The problems with both fields is how much money I have to pay just to get started in the field. I have to do either unpaid internships or go to graduate school.

    The worst I'd have to do with nursing, finance wise, is to first pay for a CNA program. I can afford to do that because it's only a couple thousand at the very worst. I'd get experience doing that so I could save up for further schooling if I decided that's what I wanted to do.

    Plus, one of the main reasons I avoided nursing was because I was scared of all the stress. But that reasoning really doesn't make sense considering how stressful social work can be. You also aren't paid well as a social worker. You're paid very badly. As much as stress sucks---as much as being screamed at by patients, cleaning up gross messes, and odd working hours would suck---I could suck it up if I felt like a.) I was making a real difference in people's live and b.) I was being compensated enough to cover food + shelter.

    I'm not choosing nursing because "less education" is required; that doesn't matter to me because I still would have to go back to school and I heard the education is intense anyways. I don't want to do it because I think it's an easier job either. I want to choose it because it makes the most sense financially. If anyone could give me a "reality check" regarding salaries, that would help. Right now it just feels like social work is way too difficult entry-wise because of all the unpaid internships. Graduate school also requires a lot of application fees + high costs for the GRE test expenses.

    Please let me know just how expensive it is to become a nurse and how easy it is to find a job. Do you need 3 years of work experience just to get a job in nursing? That's what you have to do with social work. I know I would also need job experience for nursing but if I could find work experience as a CNA, that would probably help with the later job search.

    CNAs don't get paid a lot but it would be enough to earn a living and gain job experience. I literally cannot afford to do unpaid/volunteer work no matter how passionate I am about it. I can't do social work just because I am passionate about it. I really hope this this post isn't misleading; money isn't the only factor.

    I really do like helping people and direct patient care appeals to me. I don't even think it's about the salary, either. Yeah, social workers don't earn a lot---something like 30k a year on usual---but that's not the problem. The problem is that I can't make any money at all unless I do a lot of unpaid work.

    I am graduating with a Bachelor's so I was thinking of also doing an accelerated BSN. I don't have the exact prerequisites like H&P 1 and 2, microbiology, etc. I would like to know how much longer it would take me since I don't have the prerequisites. How long would the program be, how much would it cost, and would it be better to get the CNA first?

    I do partially want career advice but please focus on the practical stuff like money and my qualifications. What matters is a.) whether I'd be good at nursing and b.) whether I could afford the extra schooling and find a job afterwards. I could care less about what I'm "passionate" about because I've been burned too many times.

    submitted by /u/molliefroth102
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    Best buy account hacked, order placed with hackers address and name?

    Posted: 14 May 2020 11:04 AM PDT

    Not sure if this is the right sub, but just got an email confirming an online order with best buy that I did not place.

    I immediately went directly to bestbuy's website (not through the email) and cancelled it, removed my credit card information, and changed my password.

    Everything on my credit card statement looks normal, so I am pretty sure they just got into my best buy account.

    However, the hackers name and address is present on the best buy order. Can I report them? Should I give the information to my credit cards bank? Should I file a report for identity theft..?

    submitted by /u/allineedismydog
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    Can I ask to defer being brought back from a furlough for a few weeks?

    Posted: 14 May 2020 10:35 AM PDT

    So I was furloughed from my job in March and have been eligible to collect UI plus the $600 as I have been making no money without it. A few days ago my employer contacted me about wanting to come back next week, which I was excited about.

    However, today I found out that I would be put on a schedule with pretty reduced hours for the next 1-2 weeks, and maybe even longer (unsure at this point). I was hired full time and make like $17 an hour, so to pay bills in the long term I really need to be working full time or at least close to it. I usually work 36-45 hours a week but am currently being offered less than 20 .

    Would it be a fair move to ask my manager if it would be okay to delay asking me back for another week or two until I am able to get at least above 20-25 hours a week? It would allow me to collect unemployment for a little longer and save a bit more. Or would this be in bad taste?

    For reference, my weekly benefit without the $600 is like $115 so I likely wouldn't qualify for any unemployment if I worked more than 10 hours in a week.

    Thanks for the help!

    submitted by /u/ClutchCobra
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    I am receiving unemployment benefits but I don’t know if I still should be.

    Posted: 14 May 2020 02:41 PM PDT

    Not sure if this is the right place for this but here goes.

    I filed for unemployment after the virus started and my job on my college campus is not technically available anymore, and I believe I was qualified. When I moved back home (CA), I thankfully got a job at the local grocery store because I wanted to help out with the situation. There was only a week total that I was unemployed. I got some literature in the mail saying that I have to certify for the benefits, and if you don't, then you stop getting them. So I just left it alone because I was employed.

    However, last week I got more stuff in the mail including a prepaid debit card for unemployment that had $2000+ on it. So I did some internet searches and the weekly certification was waived due to the virus, so the government is operating under the assumption that I am unemployed still. My dad suggest I call, but the EDD office has turned all their phones lines into automated robots without an option to cancel my claim, and the website doesn't have a place I can cancel either.

    I also saw another resource that said since I'm making less than my claim I am still entitled to it. Can anyone verify that?

    I have received two of the certification slips and sent them back with the correct information and how much I have made for the given dates.

    As of now there is $4000+ sitting in the bank account and I have not spent a dime.

    So is this money mine? Am I allowed to keep collecting it? How much do I have to make working part time to not have it? If not, how do I go about cancelling it when there are no people I can talk to? Any other steps I need to take?

    Thank you in advance and sorry if I rambled. I'll answer any questions you have.

    submitted by /u/Socialist_Sarcasm
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    Debt Collection

    Posted: 14 May 2020 05:28 PM PDT

    In December 2019 I went to buy a car and applied for financing at the dealership. I got denied twice and the finance guy there said it was weird so we opened an Experian account. It turns out I had a debt sent to collection in 2017. It was for $66 from the local hospital. I paid it immediately. On my Experian account it says paid in full, $0 owed. Was wondering if there is anyway to get it removed or am I screwed? For some reference point, in 2017 I was 19/20. I was still under my parents insurance and they still paid for things like hospital bills (not that this matters to a debt collection agency) Also, not sure how fast things get sent to collections but it is possible this treatment i was billed for was from when I was under 18 in 2014/2015?

    Can I dispute (even though I already paid) that I never got notice? I was at college so did not get notice of payment. Or that I was under 18? Or that I was under my parents insurance? Or that it was a bill for my father since we have the same name?

    I ask because I recently applied for a second Credit Card and was denied. Would like to fix this if I can.

    submitted by /u/DeletedMyFirst
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    Unemployment Question

    Posted: 14 May 2020 02:13 PM PDT

    I'm a Manager at a small company and the company temporarily closed down from March to the beginning of May due to the Corona Virus, so all the employees including myself got temporarily Laid Off...

    Our Employer applied and got approved for the PPP program a few weeks ago which requires me to call everyone back to work! But heres the problem.... some employees are refusing to come back cause they rather ride out the Un-Employment benefits cause...more $$$. I know it's not optional for them to do that! but, by them refusing to come back to work, does it mean that they're technically quitting? And could our employer cut their benefits?

    I gave them a weeks notice to report back which they havent...

    Thanks

    submitted by /u/9AaayJaay4
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    mortgage refi questions -- rate, and parallel pathing two applications

    Posted: 14 May 2020 02:50 PM PDT

    Hi,

    Long time lurker, first time poster. Got a ~$1.15M condo (this is pre-corona days in a big city, market completely illiquid right now and no guessing what the market will look like in 6mo) that we're looking to refinance. Current loan is around $500K @ 3.625%, refinanced at the bottom in Sep 2016.

    We have two offers (we have 760+ credit score):

    (1) Rate/term offer for 3.25% APY from a mortgage broker -- no cash-out.

    (2) 3.25% APY for 60% LTV from a bank, who would service the loan. However, the bank also requires us to open a checking account there, with some amount of money left as balance (~$100K).

    Generally, I prefer to get as much cash out as possible (since I like the idea of getting a 30-year loan at 3.25% b/c I think the market will be ripe for some investments in the next couple of years). However, am hesitant to go with (2) since:

    - If somehow the house appraises super low, then I can't even cover current loan at 60% LTV.

    - The banking requirement essentially means an oppty cost of around 1.5-2% on that money. I do keep an emergency fund of roughly that size in another bank, but they give better APY to the effectively zero that the lender's bank gives.

    My questions are:

    - Is this a good rate?

    - What is the risk that the house appraises at that significant of a drop to make 2 worse than 1, and in that case, would the lender simply increase the LTV that they are comfortable with to make me whole?

    - Any dangers in "parallel pathing" the two applications? If we start, would we be on the hook for any fees for e.g. appraisals? Would we essentially owe closing costs to both lenders?

    - How common and how enforceable is the banking requirement from lender #2 perspective? I mean, it's my $$$ after all, no?

    - This is all a little late in the game as we have a locked rate on one side (1). How shitty of a behavior is this on my part? Asking this especially if I'm somehow not on the hook for fees -- in a way I'd feel better if I were on the hook for the fees associated with the lender's troubles.

    Thanks!

    submitted by /u/likecheapmoney
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    (US) What Are Good Part-Time Jobs For A Full-Time Worker?

    Posted: 14 May 2020 09:09 AM PDT

    I got a late start to my financial goals this year. I'm trying to get out of debt (<$5,000) and save enough money to move across town next year. I work FT, but I would be able to reach my goals quicker either by getting a raise or finding PT work.

    Since a raise isn't guaranteed each year, what are some flexible side work options to consider?

    EDIT: I have a vehicle in my name and am 21+, if that helps

    submitted by /u/SilkyTeaLeaf
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    Parents divorce reveals that my mother actually didnt file my father's taxes for years

    Posted: 14 May 2020 03:45 PM PDT

    I'm here to find advice for my father on what to do with this situation. I am NOT here to listen to people say "he should've done them himself" because I'm well aware. He is too. I'm focused on seeking advice to get him OUT of this.

    So my father got divorced a year ago. He also is still paying for his student loans. He is afraid of doing his taxes now because my mother always did both of thier taxes and somewhere along the line she stopped and didnt tell anyone because they kept getting the refund taken away because he is still paying on his loans.

    So my father is stuck on what he should do. He has worked at the same electrical company (electrician) for all of these years so that helps a tad bit.

    What should he do? He is deathly afraid of doing his taxes because he doesnt want the irs to come after him and I've told him he should just go to a professional and he wants to go to Optima tax relief, but he doesnt even know if there is debt to be relieved of so idk why he would want to.

    EDIT: I also forgot to mention that the only reason I found out an am seeking advice is because he is not going to receive his stimulus check and I was wondering about how he COULD get one because of all this mess, if it's even possible.

    submitted by /u/darkness_rep
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