Personal Finance Boss stopped answering and paying me, but I have not been laid off or fired |
- Boss stopped answering and paying me, but I have not been laid off or fired
- Overstock.com is not refunding us $2000 despite returning our items
- Fake Netflix charges caught by AMEX
- What to do? National Debt Relief hasn’t settled my last debt and it’s almost payed in full.
- Never received a bill for hospital stay 3+ years ago, not sure what to do
- What’s the best way to set up a sibling for school so that financial aid isn’t affected?
- After an Escrow Analysis, mortgage payment jumped over $700/month. Feeling wronged by my loan servicer regarding flood insurance.
- PLEASE HELP!! Negotiating A Raise As A Nanny
- Peer to peer payment recoding (paypal etc)
- No place will hire me, even fast food and retail places
- Retirement account balance at age 52
- Wondering if this is a scam or legit, has anyone heard of this?
- Quitting my job in a month's time. Need planning strategies.
- Typo in 403b deductions - can I withdraw contributions? 50% vs 5%
- HELP! - Notice from IRS saying I owe $21,000!??
- What are the benefits / disadvantages of buying a house? What's the better option?
- Baby on the way, how to make finances work.
- Lost Job - Now What?
- $6000 Car having $3000 issues - Buy a junker, Fix it, or Buy new?
- Refinancing Decision
- My credit score dropped 80 points & I think I just destroyed my future, please help me
- [MA] HELP! Medical crisis question answers needed
| Boss stopped answering and paying me, but I have not been laid off or fired Posted: 20 Aug 2020 11:23 AM PDT Hi all, please let me know if this is not the right place to post. Posting from a throwaway account. I've been working at a small company for about a year now. It's always been pretty unorganized, and currently I am already looking for new jobs. I am not an employee, but a contractor. In my contract, it's written that I am to be paid XXXXX amount biweekly, for a total of XXXXX per year. To make a long story short, I was paid consistently late, or receiving only parts of my typical paycheck for about 4 pay periods back in March. Was quite stressful and annoying, but my boss consistently spoke with me and claimed he was "working on it" with a new excuse every day for why my pay was not coming on time. Eventually, I got my pay needed, but very late. I have also kept a running list of every time I was paid, how much, and when the pay was supposed to come, for my own sake to make sure I'm being paid properly. Boss claimed the issue was fixed, and pay is automated now. Pay came on time 2 pay periods ago. It's fixed! Things have gotten worse, now, though. I was supposed to be paid 2 weeks ago, and nothing came. I emailed my boss. No response. Followed-up next day, no response. Called, texted, no response. It's now been 2 weeks, and I am to get paid again tomorrow, 2 paychecks worth at this point, and have still heard nothing. I texted another guy I work with and he received one text from my boss last week saying my boss has "been so busy." Other than that, I've heard nothing. It's a very small company and ultimately my boss is the only one with power to pay me. The HR person quit a few months ago, and no one else was hired on. I have a little bit of money saved up (I live in a VHCOL area), so I can probably make it this month, and I'm already looking at new jobs. I know the company has the money because I was hired with 4 years of funding available for my position. How do I get in touch with my boss and how do I get paid? Is it too much to keep calling? I'm just being ignored I think and have no idea what to do. I'm quite stressed now, but I also acknowledge how fortunate I've been to be employed this whole time. It's all quite bizarre. Thanks for any and all advice! Edit: Thanks everyone for your help. I'll definitely be looking into the labor laws of my state and apply to way more jobs than I have been. Edit 2: Sorry for the delayed responses. I was out for a walk earlier. To answer some questions, this is my first job, and my knowledge on employee v contractor was quite weak until now. Fairly certain I've been misclassified this whole time. Feeling like a big ol idiot now haha. I am in New York. I am fully job searching. I will be researching the laws, my rights, etc via the dept of labor tomorrow. Thanks so much for all the helpful information, kind strangers. I really appreciate it. Edit 2a: Woah! Did not expect this to blow up so much! I'm having a hard time responding to all the comments but I am reading them all and appreciate them all so much. [link] [comments]  |
| Overstock.com is not refunding us $2000 despite returning our items Posted: 20 Aug 2020 06:20 PM PDT Long story short, we ordered a table set from them. It didn't arrive complete and eventually the chairs were out of stock, so we returned it. My husband has confirmation of this. They didn't refund anything, so he inquired. They said because he had a chargeback open (this has dragged on for nearly three months now), they couldn't refund him. He canceled it against my warnings that this was not for him to solve. Now it's been weeks since we returned the items and they won't refund us at all or get in touch with us about it. It's like a scam company or something. I've never seen anything like it. Are we totally screwed since he canceled the chargeback (ARGH, no need to lecture me, I WARNED HIM NOT TO DO THIS...he says he was desperate and just wanted the money)? He can't reopen it. But there has to be some recourse here. They are literally holding on to OUR money. Is there anything? Also, never, EVER order from Overstock.com. [link] [comments]  |
| Fake Netflix charges caught by AMEX Posted: 19 Aug 2020 10:26 PM PDT Be aware people, there's someone who is out there stealing credit cards somehow and then posting similar charges that Netflix would normally do. AMEX informed me that I was charged by a suspicious business based out of Amsterdam who's read NETFLIX.COM. Would be very easy to be fooled by [link] [comments]  |
| What to do? National Debt Relief hasn’t settled my last debt and it’s almost payed in full. Posted: 20 Aug 2020 07:29 AM PDT I'll keep it short I cleared out 3 out of 4 creditors with them in the past 4 years. My experience has been okay Right now I have 88% of my debt saved in my NDR account balance and no settlement has been reached. I'm thinking they may try to save me next to nothing and then charge me the extra 15-25% fee. What should I do? Should I ask for a refund and just pay the creditor myself? I have the amount needed to do so. [link] [comments]  |
| Never received a bill for hospital stay 3+ years ago, not sure what to do Posted: 20 Aug 2020 02:14 PM PDT In December 2017 I went to the ER due to severe food poisoning and hitting my head from fainting. I was admitted to the hospital for less than a day after I didn't get better in the ER. In January 2018 I got a letter from my insurance saying they wouldn't cover the $8,000+ bill for less than a 24-hour stay because I didn't meet the requirements of nausea and vomiting that didn't stop with medicine (the exact reason I was told I should be admitted). After some digging, I learned the hospital never put that billing code into my insurance. I had gone back and forth with the hospital and they won't change the code. I'm not sure if it's relevant, but while in the hospital I was given horrible care and later diagnosed by my neurologist with a severe untreated concussion from the fall that required me to be out of work for over a month to recover. I made that clear in my conversations with the billing department manager that I couldn't afford a bill that high and if I was hit with a bill I would fight it because of the care I received. The last time I spoke with the hospital billing manager in February or March of 2018 she said they were working on the appeal with my insurance and to wait to hear from them. After not hearing from them for some time, I forgot about it. It's now August 2020 and I have since moved from the address they have on file for me and changed insurance providers. I have nothing in collections and it disappeared from my insurance claims but I fear one day this bill will end up in collections. Should I leave it be and wait to see if I receive a bill or reach out to the hospital and see what is going on? [link] [comments]  |
| What’s the best way to set up a sibling for school so that financial aid isn’t affected? Posted: 20 Aug 2020 02:48 AM PDT I have a sibling 16 years younger than me. She's now a freshman in high school. For my undergrad I basically got a full ride between my achievement and need. My family was poor. Our EFC was 0. I would like to do something to help my sister out in a way that my parents just weren't able but I do not want to negatively impact her ability to get need based aid because my mother can not afford to pay anything toward her education and I cannot fully fund it. I have a 529 set up for my own son but if I set up a 529 for my sister, how would that impact her financial aid wise? I've read up a little bit on an exemption for parent held accounts but that's really not an option. I love my mother but I would not want her to have ownership of or access to the account. The return would be better in a 529 but I could also just set aside a bank account for her to use for some expenses. It won't get the same return but would be used on other items. There is a chance she will qualify for free tuition at a couple universities and I want to make sure that whatever I set aside for her will be able to be use for what she may need. I probably won't be able to set aside more than $20-$50 a month so I don't want a relatively small amount of money to end up hurting more than helping. [link] [comments]  |
| Posted: 20 Aug 2020 04:50 PM PDT I purchased my home in March of 2019. First payment was due May 2019 as usual. A small portion of the property is located in a flood plain and that meant requiring flood insurance. My insurance guy found a reasonable policy for about $1600. Before the first payment was due, the mortgage sold to another company who had it serviced by someone else. No biggie, all that's normal I'm told. Everything is fine for a few months, till middle of summer, the new servicer contacts me saying I need flood insurance. Easy fix, I have the policy, scan a copy and send it to them. Don't hear anything from them for a few weeks till a new letter comes in saying if I don't produce a flood policy, they will purchase one in my place. I contact them via phone to figure out this puzzle, they tell me my policy is not one they will accept, it needs to be from FEMA direct and not a private policy. I disagree, I've read the rules on it and there is nothing wrong with my policy, I further attempt to explain how insurance works to them; this company has agreed to insure it, here's the insuring agreement, that's how it works, we should be good. They insist. My insurance guy even contacts them to understand, they won't budge. He tries to find a new policy that will work but so far every policy he can get a quote for me on is more expensive than what the lender will buy. I say screw it and let them get their policy, cancel mine and get the refund for it. We are now in about August 2019. They purchase their policy and deduct it from the escrow account. Seems wrong, now I'm a little negative. I'd have preferred it get added on to my monthly payment. They tell me that gets adjusted when they do an escrow analysis every year and will occur next in July. Fine. March 2020 comes around and they purchase the next year's flood policy and do the same, deduct the cost from escrow. Now I am VERY negative in escrow. My payment hasn't adjusted yet. I'm fully prepared and understand that my refund from my flood policy should go towards this policy but I wasn't expecting a new policy to be deducted before escrow was re-analyzed. July 2020 comes now and I get the new payment of over $700 more per month starting August 2020! This will break the bank after a few months. The letter stating this came middle of July and the new payment starts August. I attempt to re-finance for a better rate to help, but somehow the best I can get is 1/4% lower than what I currently have. I'll pay more in closing costs than I'll save... I'm prepared to drop $1500 - $2000 into escrow to help my monthly payment but that "time" has passed now they say and I have to wait till the next escrow analysis in July 2021. I'll be broke by then paying another $700 for a year. Any advice?? Can I request a new escrow analysis early after dropping in some more money. It seems really unfair that they purchased TWO flood policies before adjusting escrow and my payment. [link] [comments]  |
| PLEASE HELP!! Negotiating A Raise As A Nanny Posted: 20 Aug 2020 11:15 AM PDT Hi all, This is my first time coming to Reddit for advice so I am not entirely sure if this is the right area but here I go: Back in the winter, I started working as a nanny for a family I know. The pay was never discussed, but after time I noticed I was only getting paid $8 an hour. I was surprised by this as prior to this family I had always been paid a minimum of $10 an hour as a sitter. From research (online and asking around) the average a nanny makes in my city is $14 an hour. As time has gone one, the pay has stayed the same, even when the family allows their young niece to stay over (adding another kid for me to watch). This doesn't happen often, but when it does it makes me realize how underpaid I am. Before, the money was okay as I am still able to live at home while I attend University. However, I have had many health issues this summer and have quite a few medical bills that I need to pay. In summary, I want to bring up getting paid more but I do not know how without feeling guilty. The family and I are close friends (and I know they are trying to save their money to be able to have another kid). But at the same time, I know my time is worth more than that, and I have other job offers. Please Please help! [link] [comments]  |
| Peer to peer payment recoding (paypal etc) Posted: 20 Aug 2020 06:33 PM PDT This year paypal and other peer to peer payment services have recoded credit card payments. What this means is, when you pay for something on paypal with your credit card, even if it is a service or product, some credit card companies will treat this as a cash withdrawal and charge you the cash withdrawl fee and associated percentage on the money. The companies confirmed to be doing this are Chase, Citi and Bank of America. Its fairly harsh, I use Capital One and they don't charge, but be aware if you use your credit card from one of these companies on peer to peer it is likely you will incur the cash fees and percentages. [link] [comments]  |
| No place will hire me, even fast food and retail places Posted: 20 Aug 2020 04:07 PM PDT For the past two years I've been trying to find a job so my partner and I can have stable income. I'd hoped it was just the area I was in, but we moved a few weeks ago and even places that are always hiring and people say will always accept new workers are denying me. The only work I have on my resume is my freelance work as an artist, since I haven't been able to find work at any businesses. I've even tried applying for unemployment, but since I never had an employer to begin with, I don't qualify. What can I do in this situation? I need money to live and this is scary. [link] [comments]  |
| Retirement account balance at age 52 Posted: 20 Aug 2020 03:08 PM PDT Hello. I am 52 years old and have $605k in my retirement accounts. I lost my job in April due to COVID-19 and it is unlikely I'll find a job in my field for the foreseeable future. If I find a job that I care about and love (non profit for example) that is not in my field, it will only pay 35-40k at MOST. Do you think it's feasible for me to only earn that amount and work at that job until I'm around 62 and then have a decent retirement? Any help would be amazing. I'm single no kids. Thank you. [link] [comments]  |
| Wondering if this is a scam or legit, has anyone heard of this? Posted: 20 Aug 2020 02:44 PM PDT So I am currently looking for a used car, and have come across someone on offer up that has a couple listing up for 2 cars that are under priced by at least $3,000-5,000 dollars. One is a 2016 Cadillac XTS he is selling for $12.5k. He told me he is also getting a couple more Mercedes and Lincoln's in soon, and he said he gets them from a friend who buys them out of California for really good prices, so that's how he sells them for so much below market. All the prices he was giving me were a decent amount below market value like the Cadillac I mentioned earlier. It sounds like his friend somehow gets livery vehicles that companies are no longer using, somehow for a cheap price, and then flips them for a quick profit. That's what I could gather based on him mentioning thins like "the cars are always well maintained because celebrities ride in them" and "Maintenance was done every 4000 miles because it is a livery car". All the cars he has showed me have been black exterior, which matches up with the livery story. If I take one of his cars to a mechanic and the mechanic says everything checks out, do I have any reason to be wary of proceeding to buy a car from him? Edit: the cars do have significantly more miles that typical for cars of the same year. The 2016 Cadillac I mentioned has 130,000, so of course that decreases the value, but defiantly not to $12.5k. Still below market value according to kbb. Also I want to clarify, I haven't seen anything in person yet, just pictures. If anyone has any knowledge about courier/livery services selling off their old fleet cars for super cheap, that'd also help. I have no idea if this is a real thing they do or not. [link] [comments]  |
| Quitting my job in a month's time. Need planning strategies. Posted: 20 Aug 2020 05:42 PM PDT Putting it simply, I've had enough. The stress is taking a toll, my heart rate is too high for my liking, I look like a zombie when I look in the mirror. I'm done. I have $50,000 in my savings to live off of. No investments, never bothered with it but might now that I feel like I have enough saved. I'll be pursuing other work after I take time to collect myself. I guess mainly, how do I make my savings last? I've zero intention to blow through it, I'm no shopaholic and I'm frugal as can be. For context I'm a 27 year old guy, living with relatives, no kids, no wife/girlfriend, only real expenses are student loans and gas. [link] [comments]  |
| Typo in 403b deductions - can I withdraw contributions? 50% vs 5% Posted: 20 Aug 2020 03:26 PM PDT I accidentally set Vanguard to withdraw 50% of my paycheck to invest in my 403 b when I meant to put in 5% It deducted almost $1000 from my last paycheck!! I've since fixed it, but am I able to withdraw that contribution without penalty? [link] [comments]  |
| HELP! - Notice from IRS saying I owe $21,000!?? Posted: 20 Aug 2020 04:01 PM PDT My wife and I just received a letter in the mail from the IRS. it says "we received information from third party sources that doesn't match the information you reported on your 2018 tax return." the third party was Square, and they reported $48,000 for a line item called "payment card and third party network transactions." i have no idea why they would report that. the company my wife worked for in 2018 used square for their POS system, that is the closest we have come to using their services. what does this mean? is it legitimate? what are the next steps? i am freaking out. [link] [comments]  |
| What are the benefits / disadvantages of buying a house? What's the better option? Posted: 20 Aug 2020 02:21 PM PDT Financially and non financially speaking. I'm 25, I make 70K per year in Michigan, and I expect my salary to rise with my career. I have been in apartments for the past couple of years and have saved up some money. I am a pretty aggressive investor. That being said, I'm really debating buying my first home. Financially though, it may not make the most sense, and COVID has complicated things. I kind of want a place to call mine, but I also don't want to destroy the progress I've made on my investments and savings the past couple years. Ive been looking to live in a young suburb area where the market is red hot, and have been looking at home in the 210-230 range. What are you overall thoughts on buying on a home? Benefits or disadvantages, I know its not as straight cut because a place to live is a necessity. [link] [comments]  |
| Baby on the way, how to make finances work. Posted: 20 Aug 2020 10:28 AM PDT Just found out that wife and I are pregnant (yay), but it's a little overwhelming trying to plan when everything seems so tight already. I haven't even looked at the costs of a baby in the first few years because I'm not sure if it'll be even feasible. I do track expenses, so looking at typical spending it seems I am at around +300 monthly, but this doesn't factor in when we do shop or buy other random items. I tried to cut down on items I'm no using such as a gym membership, but not sure where else I could cut down and I'm sure a baby will cost us more than a few hundred a month. Ideally we should make more money, but I feel grateful having a stable job right now. Was thinking maybe I could do ride/share grocery delivery, but I'm not too sure on the earning potential of those. Any thoughts would be helpful, thanks! Or tips on how to save money on baby care. Net Monthly $4,500. Monthly Expenses: Update: Just talked to someone, and I can't refinance to a 30 yr due to me being single income now. So that's out. [link] [comments]  |
| Posted: 20 Aug 2020 07:08 PM PDT I work in a senior role at a large company, got RIFed recently. How does this unemployment benefit work? Would appreciate any guidance as this is new territory for me as I look for a new job. Questions How much is the payment? How long does it last? Is there any stigma if I apply for unemployment benefit (e.g. will a new employer find out if they do a background check)? Some details of my current employment: State: NY Current Comp: $310K Severance: 25 weeks Worked for 9 years at company, have 3 weeks left. [link] [comments]  |
| $6000 Car having $3000 issues - Buy a junker, Fix it, or Buy new? Posted: 20 Aug 2020 04:38 AM PDT Hi there, I drive a 2013 Subaru Impreza with 100,000 miles on it. Last week the transmission was having problems. I took it into the mechanic and they gave me a quote of $2000 to fix it. The car also needs $700 for a new AC system and $500 for new tires. I looked up the trade in value without the repairs and the car was worth about $6000. I dont have a lot of cash right now (maybe $1000). If I fix it, I would need a loan taken out for it. I make $45,000 and currently have $0 debt. My family is suggesting to do the repairs, finance it, and try to get another 100,000 miles out of my current car. My fiancee is suggesting buying a 'new to me' car in the $5,000-$10,000 range where I would need to finance it and I would bring the debt into our soon to be marriage. The future inlaws are suggesting a new Impreza around $18,000. I dont have great credit or a strong down payment, but I would get the benefits of a new car and warranty. Finally, I'm thinking of Dave Ramsey's suggestion of selling my car and taking at money and putting it into a clunker car in the $1500-$2000 range that I pay cash for, then in the meantime I save cash for a better car when I'm in a better spot. I feel like I'm too close to the problem with lots of voices talking to me to think of this clearly. Does anyone have any advice the could share? TLDR: My car $6000 car is having $3000 worth of issues. Should I fix it, buy used, or buy new. Edit: Thank you everyone for the insight. We have a second and maybe third opinion on the repairs scheduled for Des Moines next week. From there we'll determine if the repair (without the AC) is justified or if we should look into a used car. [link] [comments]  |
| Posted: 20 Aug 2020 06:49 PM PDT Hey all - My wife and I are going to be refinancing our home very soon. I received quotes from a lender for 15, 20, 25, and 30-year mortgages. The 15-year is too pricey for our budget, but the 20, 25, and 30 all have merit. I'm curious what people's thoughts are. Current mortgage: 3 years into 30-year, $220k owed, 4.625%, P&I costs $1,195/mo Refinance options: 20-year: 2.75%, P&I $1,220/mo My wife and I love this home, but will probably only stay for about 5-10 more years before moving somewhere else in our county. Right now I'm leaning towards the 25-year loan, but would love input. Thanks! [link] [comments]  |
| My credit score dropped 80 points & I think I just destroyed my future, please help me Posted: 20 Aug 2020 06:17 PM PDT For reference: I'm 25, very diligent about money, debt free, work extra jobs to save for things, etc. Today I noticed my credit score dropped 80 points. I had been working hard at raising it the past three years. It turns out that a credit card I had opened at a credit union, (purely to put a charge on it every now and again and pay off immediately to build credit) had been getting charged monthly for a VPN service. I hadn't logged in to their website or app partly because it's so hard to use (small credit union), partly because I don't use those accounts so thought I didn't need to check on anything. So months later there's three months of charges for the vpn service that stacked up plus late fees on my card, and my card apparently went into delinquency. Now my credit score went from being excellent to fair (685). I had been working and saving for three years to build credit and save for a home to buy as an investment/retirement plan. I was planning to buy in December when prices were lower. Now I don't think I'd be able to get that score back to where it was, or convince a lender to let me buy a house with that credit. I feel absolutely crushed. Had a straight up "2020 is the worst" breakdown. Is there anything I can do to fix this? [link] [comments]  |
| [MA] HELP! Medical crisis question answers needed Posted: 20 Aug 2020 08:08 PM PDT Is the husband responsible for her medical bills when she dies>? Please advise if different sub to post for answers. My friends wife (58) had a seizure at home, at hospital diagnosed with glioblastoma (brain tumor cancer). Operated on next day, had a *mini* stroke while under, and has not woken up from surgery 14 days ago. The only asset they have is a house with about $100k mortgage. Needless to say her husband is freaking out. They have limited to none for health insurance. Before surgery doctor said she probably had 10 - 18 months to live. Well she is now comatose and on a feeding tube. Decision to be made - hospital is kicking her out and want her to go to nursing home. Which he does not want since he can not visit due to Covid. He wants to save his house. What steps should he be taking? [link] [comments]  |
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