Personal Finance Weekend Discussion and Victory Thread for the week of July 03, 2020 |
- Weekend Discussion and Victory Thread for the week of July 03, 2020
- What are ways spouses may hide spending from each other?
- Wells Fargo Online Fraud - Someone Fraudulently Took $3000. What can I do?
- Life after bankruptcy
- [California] Landlord keeping my deposit, adding additional charges and threatening to send me to collections. I want to fight this on principle but am worried about my credit
- 21 years old college student who wants to start investing with $200 as a starter
- Is $1K rent out of my budget?
- How do I go about finding out who currently owns my debt?
- Accidentally paid $2k for 2017 taxes
- I will be living on my own and I need help estimating how much I’ll need to live on my own. Details below.
- I need help understanding how Leasing a car works and trading it in works
- Your HSA company may be ripping you off! With benefit enrollment season approaching for many, other options may be available to save you money
- Prioritize home downpayment or retirement?
- There a way to securely give money anonymously?
- Advice on Investing with a Roth IRA?
- Finalist for an open position of a lower title has a salary requirement 14% higher than I make.
- Buy something small now, or save for house
- Denied Auto Loan... Is this a good reason?
- 21yr College Student, What are my insurance options w. No Parents?
- Officially entering the Workforce after graduating college. Rate my financial plan!
- I Just Entered the Private Sector and Need Help
- Car was totaled, not at fault and now can't buy a similar car with the payout proposed by the insurance company..is this normal?
- Lost around $400 in my account
- Is this a good time to open my first credit card?
- Choosing 401k funds
| Weekend Discussion and Victory Thread for the week of July 03, 2020 Posted: 03 Jul 2020 02:05 PM PDT If you need help, please check the PF Wiki to see if your question might be answered there.This thread is for personal finance questions, discussions, and sharing your success stories:
A big thank you to the many PFers who take time to answer other people's questions! [link] [comments]  |
| What are ways spouses may hide spending from each other? Posted: 03 Jul 2020 01:11 PM PDT This may be an odd situation, so please read before replying. My husband and I have been together for six years, married last year. We haven't had problems with money so far, aside from (I imagine) typical arguments like "Why do you want this lawn furniture, we already have this old set?" We share finances since we plan to have children and we are a single-income household. When we met, he was working in a low-paying field (think social work) and my career in a much better paying field has developed to the point that I can cover our joint expenses and still save. About a year ago, we had to move for my job and a big house project happened to fall into our laps (his parents died and left him a property that needs a lot of work), so we decided to rely on my income alone while he spends his formerly-working hours doing house projects. My husband is a recovering alcoholic and has been in recovery for most of our relationship (got sober a year before we met, has had short relapses once or twice). He also has bipolar and ADHD, conditions that often cause people to be irresponsible with money. We've talked about these conditions often, and he's explicitly told me that we should always be distrust him with anything related to alcohol. So for example, we use wine for cooking, but I lock it up (I also lock up chocolate, but that's to keep both of us honest!). My husband doesn't think he's at significant risk of relapsing, but we both feel more confident knowing that there's oversight. For these reasons, I want to be proactive and preventative about our finances. We loosely budget and use personal capital to track net worth, but I feel like there are probably holes because we're not manually accounting for every dollar monthly. So for example, I imagine if my husband was really dedicated, he could open up a new credit card and buy alcohol with it and pay it off with our bank account if it's not a huge amount. Are there other schemes like this (but better, since in my example I'd just need to check bank accounts) I should be checking for every once in a while? And I'd like to know potential schemes the person in my situation could hatch too - since my husband is the non-income-earning spouse I imagine it would be fair for him to check on me too, since he could be at risk if we were to divorce, etc. [link] [comments]  |
| Wells Fargo Online Fraud - Someone Fraudulently Took $3000. What can I do? Posted: 03 Jul 2020 02:56 PM PDT Hello! I wanted to reach out to the community here to see if there was any advice you all could give me. Here's my current situation. On 6/16, I noticed a fraudulent Online Bill Pay transaction (not sure if this is ACH but I would assume it is) on my account in the amount of $3000. It was sent to a Bank of America credit card account (I can see the last few digits of the account on the transaction). I have never been nor am I currently affiliated with any Bank of America product. I immediately called Wells Fargo to report the fraudulent transaction. They closed both my online account and my checking account and reopened new ones for me. I received a case number and was told that it will take 10-15 business days to resolve my case. I thought they might just be able to reverse or cancel the payment since I caught it when it was still pending. On 6/27, I received a letter from Wells Fargo requesting that I fill out an Affidavit of Online Fraud. I promptly filled it out and faxed it over to them that day. On 6/30, I called Wells Fargo to verify that they had received the affidavit. They did. On 7/2, I called Wells Fargo to check the status of my claim. The agent I spoke with mentioned that the case was resolved, but that there was no verdict noted in the case. It pretty much didn't say if they were going to credit my account or if they are denying my claim. Because of the lack of judgment, the agent opened up another case for me and provided me a new case number. Today, 7/3, I received a letter from Wells Fargo confirming that they are denying my claim. "Our research of this Bill Payment shows that it was requested through a secure online banking session using your username and password. After reviewing all the information available to us regarding this transaction you are disputing we have determined that this transaction was made by you, or someone who had your authorization." I read this and immediately thought "so if someone got a hold of my ATM PIN and emptied my accounts, that wouldn't be fraud either since the PIN is supposed to be secure and since someone else had my PIN, I must've told them?" Since receiving notice that Wells Fargo denied my claim, I've submitted a complaint to the CFPB and also filed a police report. I've also requested copies of the documents WF used to come to this conclusion. Is there anything else I can do to get my money back? I'm not rich by any means and $3000 is a ton of money. EDIT: Just realized I can look at Wells Fargo's Bill Pay history and oddly enough, the "NAME ON BILL" portion of the Bill Pay lists myself. Can guarantee through Credit Karma that no Bank of America credit card has ever been opened in my name. Is this a loophole for Wells Fargo Bill Pay where you can list the account owner and payment will go through, even if the "NAME ON BILL" isn't actually the account owner of the person receiving payment? [link] [comments]  |
| Posted: 03 Jul 2020 06:08 PM PDT Hi, I'm a long time lurker but first time poster. I am in a situation where I am having to file for bankruptcy. I am only 33 but owe almost 1 million dollars in medical bills from the last 4 years. My credit is trashed and I can't even get an apartment and am having to live in my parents basement. I figured bankruptcy was my only option. Now that I've started down this road, I am looking for advice on getting myself back on my feet as quickly as possible so that I can buy a house or at least get an apartment to be out of my parents home. I currently have next to nothing in checking or savings and need to start planning for the future as well. I have no credit cards and a car that I owe more on than it's worth. I have no assets and about $65,000 in student debt that I know will not go away with the bankruptcy. Any advice you have will be most appreciated. [link] [comments]  |
| Posted: 03 Jul 2020 06:47 PM PDT I recently moved out of an apartment that I lived in for 2 years. I kept the place in great shape, and during the move-out inspection maintenance quoted me a cleaning cost which I thought was reasonable. I took pictures and videos of my entire place before I moved out. Two weeks after moveout my landlord sent me a notice saying she is not only keeping my entire deposit but charging me extra, for a paint repair fee. She says that if I do not pay within 3 weeks of moveout (that's a few days from now) she'll be sending me to collections. I emailed her several times to ask for an itemized breakdown and a reason why the bill is much larger than what I was quoted during move-out inspection but she has stopped responding to me. My questions are as follows:
Any general advice would be appreciated. Thank you! [link] [comments]  |
| 21 years old college student who wants to start investing with $200 as a starter Posted: 03 Jul 2020 02:29 PM PDT Hi, I turned 21 this year and I'm am trying to get my life start and I want to take my financial situation into my own hands. As a beginner, I plan to start small. For example with a Robinhood account or something similar. What I realize is that I keep thinking of investing without actually making any steps forward in putting it into action, hence why I am staring small. I want to invest this money for starts, as a way to not touch it but actively putting more into it. I also want to learn how to proper invest. So senior investors of reddit, may I have suggestion on how to start account, stocks and traded wise? What routes should I take in order have a diverse portfolio? I understand that high risk=high yield, so what are some moderately risk routes that I could take ? I have no fear in losing the $200. How does one usually ended up in debt when investing ? Say I lost the $200, could I end up in the negative in someway? So which community is the best for a post like this? i'm still pretty new to reddit Lastly,thank you for your time and effort in guiding me :) [link] [comments]  |
| Posted: 03 Jul 2020 07:04 AM PDT Ever since I finished college, I've lived in a house with 3 other roommates paying only $387 for rent with around $75 in utilities each month. This has allowed me to save quite a bit and has allowed me to have more disposable income than most. I'm at my wits end living with roommates and in October, I don't plan on resigning our lease and I want to live on my own. I live in Minneapolis/st Paul where rent is pretty high. On average, an apartment over 500 sq feet (studio/ 1 bed) is going to be about $900 minimum per month. I make $69K per year, my take home pay after taxes and 401k contributions is $3,400 and I have to pay around $1,100 a month in student loans. I'm trying to budget everything out so that I can continue putting $500 a month into my savings and potentially putting an extra $100-$200 towards my student loans. I'm trying to figure out if having my max rent per month at $1K is too high considering the debts i currently have. I don't want to be dipping into my savings or feel like I'm living paycheck to paycheck. Any advice is greatly appreciated! [link] [comments]  |
| How do I go about finding out who currently owns my debt? Posted: 03 Jul 2020 02:46 PM PDT Long story short 3 or 5 years ago when I was younger and dumber I took out a few loans at places like bestbuy, roomstogo, discount tire, etc, and then decided not to pay them and just toss the letters and ignore the phone calls and they went into collections. However now I've graduated and have q decent job, I'm trying to actually move into an apartment by myself just to find that nobody wants to rent to me because of my abysmal history of flat out not making payments on the loans. However after 5 years I found they've stopped sending letters and calling me so I'm not quite sure how to go about paying these off cuz I don't even know who I should pay. How do I go about finding that out? And then side note, once I pay them off, exactly how long is it until that stuff stops affecting my credit score/ history when companies check that out? [link] [comments]  |
| Accidentally paid $2k for 2017 taxes Posted: 03 Jul 2020 07:09 PM PDT I received a letter in Nov 2019 stating that I owed the IRS $2,710.50. I spoke to an accountant and was told to pay it. Later followed up on other accountants and turns out I did not need to pay it. That amount was my Educational Tuition Credit refunded to me that year. All I had to do was send proof of my tuition statements. So I called IRS and they said to send a letter explaining the error plus proof of tuition payments. I did this in Feb 2020. They haven't gotten back to me. Should I just file an amended 2017 tax return instead? [link] [comments]  |
| Posted: 03 Jul 2020 10:00 AM PDT Hi everyone! Hope all of you are safe. I'm sorry if this type of question gets asked a lot or if it isn't allowed—this is my first time here and I didn't see anything in the rules or sidebar regarding this type of post (did I miss anything?). If I'm breaking any rules please guide me in the right direction. I'm 19, and I'll be living on my own next year. I'll be attending college full-time while keeping a job part-time to keep afloat. This is my first time making money decisions, so I want to know as much as possible before moving so that everything can go as smoothly as possible. Here are the details: I'll be living in Bloomington, Indiana. Here are some apartments that I'm heavily considering:
All these apartments are close to campus by bus, so I'll be taking the bus or walking as transportation. Bus fee is included in student fees (covered by my scholarship too) so I don't think I'll be needing to spend anything on transportation. I rarely go out for entertainment, and by rarely, I mean I went once to the movies all 2019. All my entertainment is YouTube, twitch, and free-to-play video games (I don't pay subscriptions to anything). I also barely shop for clothes; the ones I have currently are fine by me and don't need super expensive, show-off clothes. I do occasionally go shopping for clothing but we're talking once every 2-5 months. Thanks to my diet, I also almost exclusively eat at home. I'll go to eat out once a week, for one meal only, and I usually don't spend any more than $15 when I go out. I don't have children. As far as wants, I don't really need anything else. I guess my only want is to have enough to pay everything and have a little bit extra in case an unexpected party or something else comes up. I've been looking online to see how much I would need, and see I mixed answers all around. Some say $1500/month, and others say $2000+ a month. I also haven't found a list or breakdown of each bill to see how much approximately I would be spending. I understand that it heavily depends on the person's situation, habits, and usage, but is there a way to estimate, see each bill and how much it would be? So what do you guys think? Did I miss anything? Would $1500/month be enough? $2000/month? Please let me know if I missed anything!! Thank you!! [link] [comments]  |
| I need help understanding how Leasing a car works and trading it in works Posted: 03 Jul 2020 02:24 PM PDT Hey everyone, I hope this is the correct sub to post in, and if not I would like a helpful pointer to one that might be able to help. I just need help understanding a couple of things regarding leasing an automobile. I am now fully aware I got royally screwed at the dealership when getting into a new car. I was hoping someone could help me figure a couple of things out. My lease payment is extremely high. I can afford it, but really don't want to keep paying super high, so I want to lower it. I was wondering, I just saw that my particular car has a trade in range on Kelly Blue Book for $14k - $15k, but I owe a lot more than that on the car when I check out the payoff amount for this car. My lease is for ~16k but the payoff is for $27k. I guess I just need a but of help understanding what all of these numbers mean as I am just now getting stuff together and need someone to help me figure this stuff out.
I guess some important notes are I am currently going Lease to Finance. Leasing the first half then financing the rest, hence the 16k lease but the 27k payoff. Any help for my smooth brain to understand this would be highly appreciated. Additional Info: Lease first payment was August 2019 Down Payment was 600 (I know... I know...) Monthly payment is 608.23 Miles allowed 32,000. [link] [comments]  |
| Posted: 03 Jul 2020 06:45 PM PDT Recently had a chance to take a look a little deaper into the HSA company my employer uses as the "default" if no private account information is provided at benefit enrollment - HealthEquity. HSA are used primarily for people who have high deductible medical insurance plans to help offset the cost of a medical deductible. For young/healthy people this may be a good option because it allows employees (and employers) to contribute to the fund with every paycheck, roll over unused money from year to year, and even invest unused money for a return. When someone needs to utilize the funds, they can simply withdraw them using a debit card issued by their HSA company to pay for eligible medical expenses. Contrast this to an FSA account, which forfeits any unused money at the end of the year. But pay attention to terms and fee schedule your HSA account comes with. Here's an example with a table showing different company rates: Fee Schedule - Other Companies And other showing how they compare with opening an account with the local credit union: Fee Schedule - Local Credit Union I'm not picking on HealthEquity in particular, many other companies also do this. For example, if you held a balance of $1000 in your account and had paper statements enabled, it would cost you nearly $4/mo ($48/year) simply for the privilege of holding your money. Additionally, you'd be hit with a $20 fee for trying to transfer your balance over to another company, or a $20 fee for spending all the money in the account with the hopes of closing it forever and starting over with someone else. Shop around before benefits enrollment to see if you can do better. It may save you a decent amount of money and avoidance of getting nickel and dimed to death with your own money! [link] [comments]  |
| Prioritize home downpayment or retirement? Posted: 03 Jul 2020 04:59 AM PDT I make US ~$60K, which is not a lot in my area. Think like $45K in other parts of the US. I've got a fairly decent emergency fund and no debt. Only major monthly payment I have is rent. I'm thinking of saving for a house, but as you might have guessed, housing in my area is very expensive. It would take many years to save up for, if nothing went wrong, and I would still likely have HOA fees every month. It would still be a tiny bit cheaper than renting. I am already in my early 30s. My work has a 401k and a state pension that I've been paying into for a few years now. Won't be a lot, but it's something. Should I be putting everything I can into retirement? Maxing out my 401k and starting a roth? Or should I save for the house? [link] [comments]  |
| There a way to securely give money anonymously? Posted: 03 Jul 2020 09:19 AM PDT Got a family member whose the worst kind of sick. Cant afford treatment and refuses to take money to help pay for it. Is there a way I can send them money in a way that keeps it anonymous, but is also secure enough that I'll know they received it? [link] [comments]  |
| Advice on Investing with a Roth IRA? Posted: 03 Jul 2020 07:26 PM PDT I'm 27 years old and pretty late to the game when it comes to starting a Roth IRA with Vanguard and I'm unsure of what to start investing into for long term profits for retirement, I just know that I have to get started. From what I've gathered there are kind of three options going for me: I could invest into ETFs, Index Funds, or what was originally recommended to me Target-Date Funds. 1) I was looking into some ETFs (VOO, VTI, BND, etc.) but how much shares of each should I even buy to get started? One of each? 2) Index funds was also something I looked into, but it came with a pretty high minimum entry-point to begin with like VFIAX ($3000) for example. Are Index Funds really that different from ETFs despite having a minimum investment fee? (And is that different from the share value?) 3) Lastly Ramit Sethi's book "I Will Teach You to Be Rich" suggested a Target Date Fund with a minimum investment of $1000, but you could just set it and leave it with continuous automatic investments over time and not have to worry about it, which I loved the idea of. I was looking into a Vanguard Target Retirement 2060 Mutual Fund (VTTSX). I'm pretty new to all of this and I'm not entirely too sure where to start, I just know that I gotta get my foot in the door. I would appreciate any pointers and suggestions! Thanks! [link] [comments]  |
| Finalist for an open position of a lower title has a salary requirement 14% higher than I make. Posted: 03 Jul 2020 07:08 PM PDT Some background:. I am a senior business analyst the recently received a promotion after a number of years of effectively operating within the role. Part of the responsibilities for this position are being the team lead for our group, as the manager leads the team from our other headquarters across the country. Recently a long time analyst left the company and left us short handed. In the months since I have literally been doing all of that person's work while retaining all of my old responsibilities. I've also taken on additional responsibilities that are critical during the ongoing pandemic, often leading to me working overtime. I understand all of these responsibilities come with the job title, and have made sure to air my displeasure with the situation while making clear that as long as a replacement comes soon i am content. Luckily this seems to be coming within the next few weeks. I recently interviewed the finalists for the position and gave my boss my recommendation. That person is currently the front runner for the job, and I really think they would be a great addition to the team. The problem? Their current salary is 7% higher than me, and they are asking for 14% more than I make. I really hope this person gets hired, I think they will be a great fit and acclimate to the role much faster than the other finalists (good for my mental health both for work relief and since I will be training them). I do definitely take issue with this person potentially making more significantly money than me. I've been with the company around 5 years, and within the last year received a promotion. This person would likely be getting hired at a higher salary than me, at a lower job title, has around 2 years less experience in the field, and a less impressive resume. I like the company I work for and they have shown a willingness to invest in me. Does anyone have any advice for how to broach this subject with my boss if we do hire this individual? I understand there are obviously reasons to pay a new hire more, but given my seniority both in title and experience that feels incredibly inappropriate. The person technically won't report directly to me, but there is a dotted line through me from a reporting standpoint. This definitely rubs me the wrong way, and I want to make sure that I don't mishandle it since I currently have a great relationship with my boss. [link] [comments]  |
| Buy something small now, or save for house Posted: 03 Jul 2020 02:19 PM PDT I'm currently trying to save up for a house. A standard 2000-2500sqft house in my area is anywhere between $450k-550k, so i figure i would need around $110k-$120k for the down payment and furniture. Not counting emergency fund, I have about 20k in savings and $35k in the stock market.The question is, should I buy a smaller apartment for about $300k-$350k now when interests are low? or should i rent for a little longer and save up for another year or two. Rent is about $1600-1800 for a one bed room apartment, and my take home bi-weekly is between $3500-4000 Edit: I have no loans at the moment, credit cards gets paid in full every month. im looking at it from an investment prospective, further more, i would likely rent the apartment out once i decide to move on to a house. Edit 2: also got a car/racing hobby... desperately need a big enough garage where i can work cars when i need to (which is all the time...) [link] [comments]  |
| Denied Auto Loan... Is this a good reason? Posted: 03 Jul 2020 06:53 PM PDT So I was applying for an auto loan at a local credit union in my state this week and when they pulled my credit a forbearance on a mortgage I co-signed on came up. The person I co-signed with did this as COVID was ramping up without me knowing. I was then told I was denied the loan for this reason even with a 780 credit score, a well paying job safe from lay-offs, and plenty of money in the bank. Can someone explain why this would be the only factor that would tank my loan application? I really can't wrap my head around the underwriter's decision. [link] [comments]  |
| 21yr College Student, What are my insurance options w. No Parents? Posted: 03 Jul 2020 06:20 PM PDT Hey Reddit, Honestly, I feel very out of my depth right now. I am a Junior in college and I have recently found out that my student insurance will be increasing from a little under $3,000 per year to about $6,670 per year. I do not have parents and, from what I know, I cannot be covered under my grandmother's medicare. My current insurance covers health + dental with in-network deductibles are $500 and out of network is $1,000. I do not have any pressing medical conditions or medications. I am very low income, (Less than $10,000 per year) as I live mostly off of the money my school provides through scholarships and grants. To be real with you, I am not sure what the best option is and if I need to provide more information please tell me. Thank you in advance. [link] [comments]  |
| Officially entering the Workforce after graduating college. Rate my financial plan! Posted: 03 Jul 2020 08:00 PM PDT Having just graduated college, I'll begin work this month and have made some preliminary plans about savings and investing. I consider myself very new to this, and this is my first time posting so I'd love some insight and advice about my current plan. Feel free to ask about important info if I've left anything out. My Situation: Single 22 year old living at home rn with parents (rent free). My plan is to save money this year and move out to get my own place Summer 2021. Salary: Base salary of around 61k but with overtime will be around 70k. My company does bonuses but I'm ignoring that for now as non guaranteed income. Debt: Around 10k in student loan debt that has no interest accruing until December as it's a subsidized loan. My plan is to pay this off as much as I can, and my parents said they will pay off whatever's left by December to avoid interest starting (ofc I will pay them back the difference as soon as I can) 401k account: My company matches 50% on up to 6% contribution so I def plan on maxing that. They also provide another 7% in deferred profit sharing and ESOP so I feel like my 401k account will be in pretty good shape to start. Roth IRA: So this is the part where I still need to do some more research (also any advice is greatly appreciated!) but I do plan on immediately opening a Roth IRA with either Fidelity or Vanguard and contributing monthly. If my budget allows it, I wish to contribute the annual max of $6000 a year. The exact stocks and bonds I can/should pick from still requires more research on my part so I won't open up the Roth until I settle on that. Other savings and expenses: Besides the 10k loan, I have very little monthly expenses, living at home. I don't shop a lot and am cheap with myself anyways. My old Toyota is paid off and runs great. However I do want to upgrade and buy a nicer car in cash in the next year or so. So the majority of my savings after 401k and Roth will be going towards that and building a 3 month rainy day fund. So that's basically it for now haha. My main monthly expenses will probably just be gas, eating out with friends, and small stuff here and there (I don't do Netflix, Hulu, other streaming subscriptions). My company pays for my cell phone bill so don't have to worry about that. Car insurance is very cheap at the moment for my old Toyota. Let me know what you guys think and if I'm missing any major expenses. Thank you all in advance!! [link] [comments]  |
| I Just Entered the Private Sector and Need Help Posted: 03 Jul 2020 07:33 PM PDT Hello, This will be a relatively simple thread mostly because I don't know what questions to really ask. I been in school for a long time now and just finished my M.Sc. in Statistics and have been super lucky to find an awesome job. I'll be making around 85k a year living in Vancouver and I am able to live at home for the next few months. The job is remote and will be for as long as I would like. I won't have any expenses at home but I am bringing home a puppy soon so I have to pay the pup which will be 1700$; I have already bought all the stuff for the puppy so the only other costs I should have are food, spaying, and vaccinations (and then just food after, ofc). My phone bill is 55$ a month and I pay for a few other things like Patreon, Netflix, which adds up to 50$ a month. I will have a gym membership but my company will cover that. Other than that, I have no costs (cept I like to eat out and go out from time to time so say like 300$ a month for that, worst case). I would like to move out and possibly get a car maybe by spring next year? I am okay with getting a car that's somewhere between 8k and 12k as long as it is reliable. Right now, I am 26, have 0 debt, and about 7k in securities and 3k in cash. Now that I will be making more money (on top of my job, I have scholarship income coming in until the end of august which will be about another 3k), I am wondering how should I allocate this money to make sure I can start saving for retirement now. I am single also (just fyi). Should I invest in property? Whats a retirement account here? I have TFSA which is where my securities are but is there some dedicated retirement account? I'm with TD btw. Also, any advice about car choice, puppy money saving advice, being frugal in general, how to get set myself up for moving out (again lol). I really appreciate any comments and advice! Cheers. [link] [comments]  |
| Posted: 03 Jul 2020 07:28 PM PDT I was in an accident where the other drivers insurance accepted liability. My car was deemed totaled. The issue is, with the other insurance company's proposed payout, I can't get a similar car. The closet vehicle match I found was a model year older, with 30k more miles and about $2K more in asking price than what I am getting. The insurance company indicated they valued the car based on industry standards but I feel like I'm getting ripped off. I can't replace my car and get back to normal even though I wasn't at-fault in the accident. Is this normal? As an FYI, my car was completely paid off though about 9 years old now. [link] [comments]  |
| Lost around $400 in my account Posted: 03 Jul 2020 05:07 PM PDT Went through my bank account and found less than $80 from $480. I've looked and saw that about $400 worth of the things are from some CCBill thing. I've emailed them already and now I'm currently lost at what else to do. [link] [comments]  |
| Is this a good time to open my first credit card? Posted: 03 Jul 2020 06:55 PM PDT I'm a 25F who's never had an actual credit card before and I figured it was time to get one, since I'm well into my early adulthood. Surprisingly, I had a decent score (700+ according to FICO report) while I was in college because I would use my Amazon prime card a lot (and always paid on time). But I quit online shopping a year ago now, and when I checked my score again, it went down into the 600s, granted, I have student loan debt. How can I improve my score? Is this a bad time to get a credit card? (Ya know - COVID and all...) TL;DR: Is it a bad idea to get my first credit card during COVID? [link] [comments]  |
| Posted: 03 Jul 2020 04:17 PM PDT Been working to convince my employer to change our 401k provider to a better company (employee fiduciary), and i've been mostly successful so far. I'm wondering what recommendations you guys have for funds to select within the plan. I'm aware that vanguard's standard lineup are some of the best but are there others that you would want? I personally use fidelity for my own brokerage, and I know their index funds have some the lowest expense ratio's in the market, so I plan to recommend those alongside the vanguard target date funds. Basically if you could choose your ideal funds to be in a 401k plan what would you choose? [link] [comments]  |
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