Personal Finance An extra 1k was withdrawn from my account from my rent check. How does this happen? And what can I do? |
- An extra 1k was withdrawn from my account from my rent check. How does this happen? And what can I do?
- Best options for dealing with 93 year old Grandmother (93/FL) while I'm in other state (50/NJ)
- 22 y/o with $4k in savings
- IRS refunded my entire tax payment but I have no idea why
- Employer denied cost of living raise, I’m looking for advice and wondering what my options are.
- My ex-boyfriend is listed on my credit report as my SPOUSE?
- No savings at 35
- Being Charged as 'uninsured' even though we have a renters policy
- Savings at 11.4% interest rate in my country
- Company is requesting scans of credit card information of hire, plus other shenanigans.
- What are great ways to start becoming better financially?
- Asking for a friend who is VERY upside down on auto loan
- LLC vs. Sole Proprietorship vs. Independent Contractor
- Credit Card - How To Get A Lower Interest Rate
- Going to grad school and I have very little income
- Received a mystery deposit and I dont know what to do
- Can felons work in corporate finance?
- What kind of bank account should I open?
- Thinking about closing one of my credit cards to get rid of temptation.
- What to do with life insurance policy?
- Health insurance and job change, help?
- First-time car leasing, kindly seeking advice! (2020 Toyota Camry SE: Nightshade Edition)
- Can I use the backdoor Roth technique for a Spousal Roth?
- Best calculator for student loans repayment strategy
| Posted: 03 Nov 2020 09:17 AM PST I was very surprised this morning when I noticed that $1,814 was missing from my checking account this morning. I dropped off my rent check of $814 to the apt complex office yesterday. When looking at the check scan online on my account, it clearly says in numerals and in writing $814. I made no mistake on my end. Would this be the apt management's fault or the bank's? I believe they take the checks directly to the bank, so a teller must have processed this; it couldn't be a mobile deposit or ATM error. I've already contacted management and they said they'd give me a refund and it'd be 5-10 days. When I called my bank (PNC) customer service, the representative said the only recourse really would be to dispute the transaction, and that it would also take around 10 days. Is this really all there is to do? Am I really just gonna be waiting until next week for my money to be returned to me? I'm lucky in that I can afford for this to happen temporarily, but I am fed up nonetheless. Any advice would be appreciated. Update: I learned that the apt does NOT take the checks to a bank, but rather scans them and sends them to corporate (they own many properties across the eastern US). I went into my local bank branch and talked with someone to get it straightened out. Basically there was an encoding error with the amount when it was virtually submitted to the bank, as many of you said. I guess my period between the 814 and the 00 wasn't big enough for something, or it was just straight up wrong, but no human is at fault. PNC has already given me a credit of the 1k, and I notified my apt management that I had gotten it resolved through my bank, but that I would not be giving them checks anymore and negotiated that they waive their convenience fee for paying online via card for the rest of my current lease since it was an error on their end when processing the check. Thanks to all who have given advice, it's much appreciated! [link] [comments]  |
| Best options for dealing with 93 year old Grandmother (93/FL) while I'm in other state (50/NJ) Posted: 03 Nov 2020 06:11 AM PST I'm Power of Attorney for my grandmother and she is starting to show signs of Alzheimer's and dementia. She's lived by herself in Florida and its getting to the point where it's not safe for her to be alone. I'm planning on bringing her to NJ where she can stay with my in-laws for the holidays but at some point I have to figure out Assisted Living. Would it be better for her to go in Assisted in NJ or bring back down to FL? Everything is in a Revocable Living Trust and she seems to have a decent amount of money. $300,000 house, $200,000 in stocks, $150,000 in CD's and Savings. She won't qualify for Medicaid so how's the best way to pay? Can I start moving money into my accounts? Should I put the car in my name? I would like to keep the house for my own retirement someday. Thank you for any advice. [link] [comments]  |
| Posted: 03 Nov 2020 04:56 PM PST 22 with $4k Hello all, this is my first post in this sub reddit so please be nice as I'm not familiar with reddit what so ever. I'm a 22 year old high school drop out currently making $20 an hour landscaping. About $1500-$1900 bi weekly, dependent on amount of overtime. I have no debt, car payments or credit cards. I have no credit score. Currently live rent free, and will continue to for about 2 more months before I move to Bozeman Montana, where ill be paying $650 a month for rent (first months rent and security deposit already payed). Do have a job lined up, but taking a pay cut to $18 an hour in hopes of learning new skills to further increase pay down the line. I have $4k in savings and about $750 in the stock market, mostly index funds due to lack of knowledge about investing. My question for you guys is what should be my next move? Should I be taking steps towards certain actions? This will also be my first time living independently, so tips regarding such would also be appreciated. I've received absolutely no financial education from any parent, adult or mentor, so i apologize if these questions seem stupid. I'm just not to sure where to go from here, but would like to try and do the right things now to avoid a lifetime of finance controlling my life. Again, this is my first post so I apologize if I come off as a jerry. Thanks in advance, have a wonderful day! [link] [comments]  |
| IRS refunded my entire tax payment but I have no idea why Posted: 03 Nov 2020 07:31 AM PST I filed a paper tax return via mail. The same day I paid the amount owed using the IRS website and it was removed from by bank account as expected. This all occurred in July 2020. This week I received a check from the IRS for the exact amount of my tax payment plus a small amount of interest. My belief is that I should not have gotten this payment and it needs to be returned. I tried getting ahold of someone at the IRS but have been unsuccessful and the phone system says it cannot connect me to an agent. Does anyone with more insight know what might be going on or who I can contact? [link] [comments]  |
| Employer denied cost of living raise, I’m looking for advice and wondering what my options are. Posted: 03 Nov 2020 04:49 AM PST For a little background I'm an EMT-B and I work for a pretty large private ambulance company roughly 2,00 employees. Anyways I was hired in august 2019 at $16.00 fast forward to March company wide all employees get a $2.00 raise. And the starting rate for new hires is now $18.00. That's a 12.5% raise so ya that's more than I would have received in 4 years, can't complain. Now on the company website it states the pay scale start is $18.00 after year one it's $18.48 year two $18.97 and so on. So here the issue, august comes HR forwards me a packet to fill out and a few other tasks in order to get the raise. Complete it send it in and I wait two month with no response. After some tracking down I finally got ahold of the person who I would do the review with at the end I was told everything is great you're on track to receive you're raise next august but as for this year you got the raise early in March. My qualm is going forward people who were hired 6-12 months after me will be receiving their annual raises before me. Should I contact HR, finance, or a different manager. Or do I keep quiet and just take the loss and wait until next year? If you've made it this far thank you for holding on, any advice would be greatly appreciated. [link] [comments]  |
| My ex-boyfriend is listed on my credit report as my SPOUSE? Posted: 03 Nov 2020 05:28 PM PST I don't know if this is even the right sub but Google returned nothing so... I just ran my credit report and my ex-boyfriend was listed as my spouse. We never had any financial accounts together, never lived together, never on each others bills etc. Our finances were always 100% separate. We definitely were never married, in fact we only dated for like six months, it wasn't even that serious. As far as I know, he shouldn't have had access to my social security number to try to apply for anything without my knowledge (I didn't keep any important financial documents at his house and he didn't know where they were at mine, but we broke up because he was secretly insane so I really wouldn't put anything past him) I'm not sure if this is just a common mistake that can happen sometimes (although I don't know how he would have been linked) or if I should be seriously concerned or taking some kind of action. I already disputed it through Experian and they say they removed it but I couldn't get the other two reports to load to see what they said. I didn't see anything on the credit report that looked like any open accounts that aren't mine, but am still concerned, and am wholly inexperienced in these matters. [link] [comments]  |
| Posted: 02 Nov 2020 08:56 PM PST I currently have no job and no savings at 35 and this makes me extremely depresed. I'm starting a new job in January and will be making $2300 per month. How should I begin saving? I've never completed a budget before. [link] [comments]  |
| Being Charged as 'uninsured' even though we have a renters policy Posted: 03 Nov 2020 03:12 PM PST Hello, My roommate and I renewed with our current apartment complex in July. Today (11/3) we found out that we will be charged a 15$ monthly fee of no insurance, even though we have been insured since originally signing our license in 2018. Our Rental insurance is through a company the Management company overseeing the property will no longer work with. After looking through out lease, there is nothing stating that our policy is invalid or that this company is not accepted and there has been no break in coverage since signing. Is there anything we can do to dispute this? Or get ourselves grandfathered in? EDIT: I'm currently with State Farm 1 year ago, I worked with an independent agent to find a lower rate but had no success. I will call her back and see if she can find a lower rate for me again just to verify that I'm getting the best deal I can. [link] [comments]  |
| Savings at 11.4% interest rate in my country Posted: 03 Nov 2020 07:55 AM PST Hey all, The country that I live in (not sure whether I'm allowed to disclose) offers 11.4% interest rate for a time deposit savings account. I'll be working in Canada for the next few years and was wondering if it's a good idea to put money away into my country's savings account since the interest rate is just too good to pass up. Is this even allowed? Is it possible to do this? And would it be advantageous given our weak currency, if I were to convert my savings back to Canadian Dollars? [link] [comments]  |
| Company is requesting scans of credit card information of hire, plus other shenanigans. Posted: 03 Nov 2020 07:18 PM PST Posting on behalf of someone else. Person is working some admin stuff for a bakery, and bakery is electing to pay them in weird ways. First they asked for photo scans of hire's credit card (front and back), or to pay in Bitcoin. Then they told hire to print out a check on check paper, but that check bounced. Lastly, apparently there's something wrong with direct deposit. While unusual, is there anything necessarily fishy about any of the above? I'm personally very weirded out by requesting CC information in such a visual form, but is there any validity to being paid in this way? What about the other things like bouncing checks and the direct deposit? [link] [comments]  |
| What are great ways to start becoming better financially? Posted: 03 Nov 2020 06:09 PM PST To my older, more experienced strangers in life. What advice would you give a 22-year-old? I have no credit? No idea about investing? No idea how to save money wiser? I plan on opening a best buy credit card so I could pay off a camera lens. I feel like this would be a great way to start! [link] [comments]  |
| Asking for a friend who is VERY upside down on auto loan Posted: 03 Nov 2020 06:22 AM PST A friend of mine currently is currently upside down on an auto loan for a 2020 Toyota Corolla SE. This is his current situation: Owes: $26,229.57 (traded in another loan for this car) APR: 15.11% Credit: 569 He desperately wants to get out of the loan entirely but has no idea what he can do to. KBB private party value is around $17k - $19k. Trade in: $15 - $16k Any advice would be appreciated, thank you! [link] [comments]  |
| LLC vs. Sole Proprietorship vs. Independent Contractor Posted: 03 Nov 2020 09:46 AM PST I'm starting a consulting job shortly and shortly and researching whether it's best to set up an LLC, a sole proprietorship, or just claiming income on a 1099 as an independent contractor. I'm not specifically concerned about liability protections at this point, though may be for future work. I (obviously) want to minimize income taxes, and maximize tax deductions (supplies, travel, home office rent deductions, etc). I will be working solo for now, though there may be a point where I work with my spouse. Consulting will be my only source of income for the time being, though I expect it will supplement salaried employment in the future. Can anyone direct me to a good thread on the subject, or recommend the best approach for my case? [link] [comments]  |
| Credit Card - How To Get A Lower Interest Rate Posted: 03 Nov 2020 06:07 PM PST I've had a credit card for about ten years now that I unfortunately had to take out and max out at $10,000 to cover school expenses. It has an insane interest rate of 30% and with being able to pay just slightly over the minimum each month, I've barely been able to make a dent. A couple of questions. I'm in the position where I could pay off a couple of grand but I want that to go to the principal balance. Does anyone have suggestions about getting a lower interest rate with the card company? I tried a couple years back and they wouldn't budge. Or does anyone have any experience about moving balances between cards? Any help or suggestions would be greatly appreciated! Thanks! [link] [comments]  |
| Going to grad school and I have very little income Posted: 03 Nov 2020 08:05 PM PST I'm getting ready to start grad school. I'm a single mom of 2 young boys. I work full time now but I'll be reducing my hours so I can successfully finish grad school. My grad program is 2 years. Tuition is about $9k per semester. I have zero money saved for school, but I HAVE to get my degree or I'm just going to continue to struggle. What options do I have for financing not only school, but life as well? I'm pretty frugal and I live below my means, but I do have 2 children, a mortgage, and bills. Please help! Edited to add: I have no debt other than my home. Also, my oldest son is disabled and receives a very small disability check every month. I do not receive child support. Just adding that I'm case it's helpful. [link] [comments]  |
| Received a mystery deposit and I dont know what to do Posted: 03 Nov 2020 07:13 AM PST I woke up with a mystery deposit of X$ on my account from DOEP TREAS 310. I've tried googling it but not exact answer. According to Google, its either from Student Loans overpayment or Federal Tax Return Fund. The thing is that I remember paying my loans on full and not overpaying anything. Some people say its some kind of grant. I went into my Student Grant account and theres no payment to be make or anything. It would be great if someone would help me out on this one. I dont know if its to keep or I have to pay it back somehow. Appreciate the help!! [link] [comments]  |
| Can felons work in corporate finance? Posted: 03 Nov 2020 07:29 PM PST I have a felony for selling a schedule I substance. If I get a MBA/MSF will I be able to work for companies in corporate finance? Be real with me, should I give it a shot or keep sticking to IT Security jobs? I really want a career change, but I'm also realistic and realize banks don't hire felons. [link] [comments]  |
| What kind of bank account should I open? Posted: 03 Nov 2020 07:26 PM PST I'm looking to open a new simple bank account for the management of a small rental property (just deposit rent, keep their security deposit out of sight/mind, and possibly pay the carrying and repair costs) Was not planning on a biz account and not preferring one but, Chase is offering a $300 bonus and I'm already a longtime chase customer & happy with their service. Are there any obvious pro/cons to this? (planning on declaring all income come april but I'm a first time landlord so nervous) Will there be any problems if I don't pay all associated biz costs from that account (like the mortgage and HOA) Anything I'm totally ignorant of that I should know? (Property is in my name not an entity) Other considerations - don't need any special banking products or services just want somewhere to keep this revenue seperate from my wage income and figure why not get best bonus out there for me... Any other advise appreciated but I did read through a list of 35 new accounts bonus offers and this one seems best Thank you all! [link] [comments]  |
| Thinking about closing one of my credit cards to get rid of temptation. Posted: 03 Nov 2020 07:10 PM PST Hi. I currently have two credit cards. The first one is capital one platinum. It doesn't have any rewards. Just a plain old credit card with a $500 credit limit. I have had this card for roughly 8mons. The second one is a discover card with 5%cash back that I got around June this year. I have a $1.5k credit limit on it. I find myself over using my credit cards now that I have the discover card. Before I always kept my balance on my capital one card below $150 and paid it off quickly. With this new amount of credit, I'm often tempted to order take out or splurge on things. It's taken my credit score from 720 to 657. Granted my mom just got a new dog and has been making me pay for majority of its vet costs as well as supplies since she got it suddenly and isn't responsible with money. The dog also has broken two legs. (She's 3lb and really fragile and likes to jump off of things.) That really messed me up to the point I had to apply for a credit card with her vet just to afford the visit ($320) and then counting. Anyways, I'm thinking of just going back to using just my capital one card since it was easier to manage my finances with only a $150 limit, rather than $450 on the discover. Should I do this after I pay down the rest of the discover? [link] [comments]  |
| What to do with life insurance policy? Posted: 03 Nov 2020 04:42 PM PST To begin, my father-in-law passed away today unexpectedly. My MIL is horrible with money and blows every paycheck she gets. My FIL has a good sized life insurance policy. What can we do to make the life insurance policy help my MIL the most while making it hard for her to access? [link] [comments]  |
| Health insurance and job change, help? Posted: 03 Nov 2020 07:30 AM PST Looking to change jobs and have a question about insurance. When moving to a new job that usually has a period before insurance eligibility kicks in (say 1,000 hours worked) how does the overlap work? Do you stay covered under your old employer, or does the change of job count as a qualifying event that allows you to enroll in the new employer health insurance right away? Sorry if this is worded poorly, I'm new to this stuff and totally lost. [link] [comments]  |
| First-time car leasing, kindly seeking advice! (2020 Toyota Camry SE: Nightshade Edition) Posted: 03 Nov 2020 06:38 PM PST Hello everyone, I am looking to lease a 2020 Toyota Camry SE: Nightshade Edition from my local dealership. Below are the following numbers I've researched: MSRP: $27,954 I am looking for terms of: I've also looked around for estimates of monthly payments regarding this case, and so far found: Other details/findings: - My credit score: - Incentives: Other approx. values: I have not yet negotiated with the dealer, I plan to send out an email to them once I receive some feedback on here, on what is the most optimal prices or deal you guys think is right. I hope this is helpful, please provide some feedback as it would help me immensely! [link] [comments]  |
| Can I use the backdoor Roth technique for a Spousal Roth? Posted: 03 Nov 2020 06:58 AM PST I make around 140k/year. My wife didn't work this year. Can I use the backdoor roth to do a spousal Roth for her? [link] [comments]  |
| Best calculator for student loans repayment strategy Posted: 03 Nov 2020 10:23 AM PST As of right now I have 8 separate loans with 4 different interest rates and payoff amounts. I'm not sure if I should target the highest loans with the highest interest rates first or should I not bother and consolidate my loans? I'm pretty sure I could calculate all of this on my own but working with interest rates that accrue interest daily sounds like a pain. The federal website that does these calculations doesn't actually help with this kind of strategy, more so "if you pay this much you'll pay it off in 10 years" and "if you pay this much you'll pay it off in 6" and the difference in interest seems to only be 2-2.5k [link] [comments]  |
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