Personal Finance Weekday Help and Victory Thread for the week of December 28, 2020 |
- Weekday Help and Victory Thread for the week of December 28, 2020
- I Have Access to Bank Accounts that are Not Mine (Capital One Bank)
- 36: No savings; paycheck to paycheck - looking to make a huge change for 2021
- What is the best way to save for a child's future?
- What is the best order for taking care of debts after a mental breakdown?
- What software can I use to file my own income taxes?
- Sister Claimed Me As Dependent For Years Without Telling Me, What Do I Do?
- Surprise Bill from Birth and Delivery Almost 3 years after the birth of our Daughter
- Fidelity Brokerage - Right Decision?
- Can we afford to buy a home in a city with rapidly increasing costs? (Austin TX)
- What is the best plan for exercising options in a company planning to IPO in the next 5 months.
- Should I keep putting money towards stocks rather than "fun" things?
- Invest sizeable chunk of money now or slowly over the next year or two
- A family member opened a credit card in my name without me knowing and now it is closed, what do I do now?
- Got a claim to my insurance from a doctor I’ve never visited, what do I do?
- (CAN) Ex employee at fast food chain was not taken off salary pay roll when leaving the job, continued to knowingly collect 5000$ extra before company noticed.
- Completely ignorant 27 year old student wanting to take control of financial life, starting with a credit card (US).
- Checked credit report before Christmas and found debt that does not belong to me. Is my identity stolen?
- Pay of 0% loan or just do payments?
- MoneyGram - Does this sound legit/safe?
- Salary Increase Negotiation
- [19] Can I start moving out or town once I have a well-paid job close to the destination and it’s enough to cover rent?
- Can I still get a mortgage without a job if I already have the assets to buy the house in cash?
- Emergency Room Threatening Collections
- Mismatched scores between bureaus - advice
| Weekday Help and Victory Thread for the week of December 28, 2020 Posted: 28 Dec 2020 03:00 AM PST 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]  |
| I Have Access to Bank Accounts that are Not Mine (Capital One Bank) Posted: 28 Dec 2020 08:44 AM PST I've used Capital One as my primary 'brick and mortar' bank for many years now. Never had an issue with them until recently. A few months ago I logged in to find that in addition to my own bank accounts, I mysteriously had access to 3 new bank accounts with a total of over $100,000.00. This was very concerning because I wasn't sure if in turn, someone else had access to my accounts. I immediately drove to my Capital One location. They said they would escalate to their security division. The problem was never resolved. A month ago I called their security division for another update. They said that they didn't have record of this issue (ugh), but they would resolve it within 2 weeks. It has now been over 2 weeks and the issue has not been resolved. I literally have access to other people's money and they don't seem to be taking this issue seriously?! I need some guidance on this. I'm scared of identity theft and this smells rotten... Update 1: I've been on the phone with Capital One for the last hour, being transferred from department to department. I do think they are starting to take this seriously though. I really appreciate everyone's guidance. Thank you! I am also in the process of transferring money out of MY accounts into my secondary bank as a precaution. Capital One has assured me that the other people do NOT have access to my accounts, but I want to play it safe. Many of y'all have joked about messing with the other accounts, but I won't do that because I don't like playing with fire. I'll post another update if I get anywhere with Capital One today. Otherwise, I will post a complaint with the several regulatory bodies you guys have suggested. Update 2: I was finally escalated to someone in their 'management staff' whatever that means. They said this type of issue typically takes 20 business days to resolve from the time the case was officially opened. He said I should expect the issue to be resolved in the next few days and that I would hear back from them directly once it is closed. I did document the Case Number as well as the names and departments of the two primary people I spoke with. I will go ahead and file a complain with the OCC and/or CFPB. Update 3: I filed a complaint with the OCC. Update 4: I filed a complaint with the CFPB. I need to step away from my computer for a while, so no more updates until I hear something from someone. Thank you all for your guidance! Update 5: A lot of you have asked whether I can see the other people's PII. The answer is yes. I can open up each of those accounts, see their names, their address, their spending history, and even look at pictures of their cashed checks with their signatures on them. Update 6: **Final Update*\* Looks like this got sufficient attention and Capital One's 'Escalated Solutions Team' called me this evening confirming everything has been resolved. I have checked my account online and everything looks good. Apparently the primary account holder for these mystery accounts named me as the Power of Attorney. Supposedly I share the same name as the person they actually intended on naming as the Power of Attorney. This is crazy considering I have a very rare name. Apparently I've had access to these accounts for much longer than I realized, but they assured me that no one ever had access to my accounts. Per the person I spoke with, their legal team also notified the primary account holders. Boy, I would have loved to be a fly on that wall. I have also taken fastidious notes about this whole process and requested a formal letter from Capital One explaining all of this and the final resolution. I'm just glad this is hopefully all behind me. You can't imagine the amount of time I spent on the phone with Capital One today. [link] [comments]  |
| 36: No savings; paycheck to paycheck - looking to make a huge change for 2021 Posted: 28 Dec 2020 07:37 AM PST Hello PF - Long time listener, first time caller. About - 36 years old...make 76k a year. No college debt, personal debt about 5k (2 credit cards & a personal loan). Car payment is 200 a month, insurance is 150. Utilities are 100 for internet, 115 for phone, and around 300-350 in utilities. I have zero savings and basically live check to check...never had the right sense about money and always embraced a "can't take it with you" attitude. I had a 401k at my first job that I worked for about 9 years that was 20k but took it out for down payment on a house. The house has appreciated quite well so far and I have a roommate that pays half the mortgage so that has been a win so far. My new position has a 401k match so I am maxing out on that contribution (not sure the exact amounts). I'd really like 2021 to be the year I take finance seriously and start to plan towards my future so I guess I'm wondering how much I should be putting away each check. I do own some expensive assets I could sell to help fast build savings if people think that is a good idea. Appreciate the advice and let me know if I should be giving more info. EDIT: Big thank you to those who committed the time to respond. I will definitely be heeding this advice & setting myself up for the future [link] [comments]  |
| What is the best way to save for a child's future? Posted: 28 Dec 2020 05:28 PM PST I 23f have a 8 month old daughter. I am a single mom, I make 40k a year. I pay $700 in rent, $90 for cell phone, $90 for car insurance, and have $3500 in debt for credit card/dental work. I also pay my dad $100 every two weeks for childcare (babys father pays the rest). I do not get child support, my job is the only source of income. I currently put 9% of my check into my 401k and my work matches and adds 3%. I also have a life insurance policy from my work of $250k. In totally that takes $200 out of my checks. I want to save money for my daughter's future but I dont know where to start. How much should I be putting away? Where do I save it? I'd prefer it not to be a college only savings and would like to continue for life for her as I only ever want one child. How has other people saved for their kids? [link] [comments]  |
| What is the best order for taking care of debts after a mental breakdown? Posted: 28 Dec 2020 07:26 PM PST I am trying to come back to being a functional member of society after suffering a nervous breakdown in December 2018 which has left me unable to perform duties that I used to perform. At this moment I am couch surfing with some wonderful people. I have lost my job, my apartment, bank account...everything. I still have my mental and emotional issues and this scares me but how do I get started again? I have defaulted student loans, no open bank accounts, closed credit cards and am currently receiving no money. I receive food stamps but no cash aid since I am not required to pay rent. I also didn't do my taxes in 2018 nor 2019 because of the nervous breakdown and all my financial papers are in storage (paid by a friend). I also didn't receive the stimulus check so I guess I won't get the new one either. I was receiving state disability but that lasts 1 year. I was unable to get unemployment because I had to resign from my job because of my mental health. While getting state disability I was on time with ALL my bills. I'm just finding it all overwhelming to be utterly honest. Who do I start paying first? I know nobody is going to let me consolidate this when I do get employment so I need to pick something and pay them off first, etc. It's just a lot to deal with in a very uncertain world. Sorry for this not making much sense. [link] [comments]  |
| What software can I use to file my own income taxes? Posted: 28 Dec 2020 04:57 AM PST I would like to learn how to do it on my own because i pay a company to do or for me and it's $70 and it usually takes them less than 10 minutes. Basically I'm single, rent an apartment, contribute to RSP( retirement savings plans) I have one job. How complicated would this be? What sites or software should I use? [link] [comments]  |
| Sister Claimed Me As Dependent For Years Without Telling Me, What Do I Do? Posted: 28 Dec 2020 11:05 AM PST (This is California and I am 30+ years old). Just found out my sister has been claiming me as a dependent for years since I had lived with her in 2012. she had made me take care of her kids while her & her husband were at work. Since then, I have moved out of her house (they just packed up my clothes and made me). I thought she would have taken me off when I was no longer living there. Fast forward to the beginning of the pandemic - I was trying to get my stimulus check because I have been out of work and struggling, only to find out I couldn't because I was being claimed as a dependent on someone else's taxes. She did not ask me and when I confronted her, she denied denied denied and then FINALLY admitted. She claimed her and her husband don't get any money from claiming me, but she has to be benefiting somehow. She also has not supported me at all even when i was living there. And now she's robbed me of the only sort of lifeboat I could have had during a global pandemic. My daughter is furious and determined to get her to give me what I'm owed. What do I do? Am I owed anything at all? How do I approach this? Thank you. EDIT: Apologies. For many of these years I was marginally employed or unemployed. When I was marginally employed I was being paid "under the table" if you will at the request of the employer. I've been out a job for the most part, cleaning houses here and there. I have not filed because I have been unemployed. I've been with my mother looking after her since then. TLDR: sister claimed me without telling me, I don't live with her, made me lose my stimulus and hasn't been supporting me - what do I do? [link] [comments]  |
| Surprise Bill from Birth and Delivery Almost 3 years after the birth of our Daughter Posted: 28 Dec 2020 12:45 PM PST The title says the gist of it, we ran into a few snags with this over the past 3 years. I first heard about this by getting collections calls in November of last year. Then I called collections, and they said it was for my hospital stay, so I resubmitted my insurance info. Then insurance denied it and said it was actually for the anesthesia bill (which was already paid for). Fast forward to January of this year the collections/hospital called and told me it was actually for Elizabeth's (Not even my daughter's name) hospital stay. I corrected them you mean.... (My daughter's real name) and they said yes, so I gave them my insurance info AGAIN and they said "because it was getting submitted so late, they didn't think insurance would pay." Fast forward today where we get a 4k bill in the mail marked Self-Pay. Any advice on how to handle this? In most cases, we would just offer to pay but every step of this issue of the past couple of years has made it seem like someone royally screwed up on their end and they are trying to pass this steaming pile of crap onto us. **UPDATE*************************************************************************** I spoke with our insurance provider, They basically said they saw a lot of issues with the claim. The first guy said the filing was late and it didn't have an "Ineligible Reason Code" and he suggested to go physically to the billing department at the hospital with a witness, hand them my insurance info and have them refile it correctly. He transferred me to a "Membership" helpline after that stating they might have more info and she found that it was first submitted this past February and found the below issue with the filing:
I explained how 1 wasn't possible because I have the temp card proving it and 2 didn't seem feasible because we got the all-clear before we even had our baby on top of we still use the insurance for that doctor. She told me basically she couldn't do anything because the hospital is billing us directly and it's after the filing time. She said we basically have to prove they did not file it within 180 days of her birth. I feel like it's going to be a lot of "We tried to call you and got no response" sort of deal. If anyone has any further advice we would appreciate it! [link] [comments]  |
| Fidelity Brokerage - Right Decision? Posted: 28 Dec 2020 05:21 AM PST I am 22F and live with my parents. I make $83k/yr (plus bonus) and have no debt. I have my contributions set to max a traditional 401k (my work also matches 9%), a Roth IRA, and an HSA account annually. I have a savings account through HMBradley (3% APY). I consider $10k of my savings an emergency fund (6mos+ of expenses). The rest of the money I am saving for a future down payment on a house and things like that (probably at least 5 years before I will need it). My 401k and Roth IRA are through Fidelity. I just opened a brokerage account through Fidelity (haven't put any funds in yet - it says it takes 4-7 days to connect to my bank account). I have a few questions.
Any insight is appreciated. Thanks! [link] [comments]  |
| Can we afford to buy a home in a city with rapidly increasing costs? (Austin TX) Posted: 28 Dec 2020 09:57 AM PST Hey folks. Like a lot of people during the pandemic, my wife(30) and I(35) have been discussing buying our first home after renting for all of our adult lives. We currently live in a 2bd/2bath apartment that is a 15min commute to our downtown offices and pay 1220 for rent + pet rent (1 dog) and not including utilities. We have been working remotely since the pandemic started and both our jobs are likely to continue this until a vaccine is widespread. Our combined gross salary is $143k a year (me $100k, her $43k) and we both work in secure government jobs in the legal field. Unless I change jobs, my salary is likely to max out at $140k. Unless she changes jobs, her salary is likely to max out at $50k. Our cars are both 2013 models that are paid off and are low mileage (me-30k miles, her-50k miles). She has no debt and I have student loans that are on IBR/PSLF in the amount of $180k, $160k of which will be forgiven in 3 years under PSLF with the remainder to be forgiven in 6 years. Combined cash on hand: $66k (including $17k emergency fund) Combined investments (tax exempt and taxable): $160k - both our jobs have mandatory contributions of gross salary for defined contribution benefit plans (9.5% and 7%) and we both save additionally on top of that respectively in both cash and investments, although I tend to put more money into investment accounts and she tends to put more into cash savings. Net pay per month after deductions for insurance/401a/401k/etc. combined is $7220. Student loan payment is $555.16 (currently on hold due to Covid until January according to DOE). She pays $250 per semester + books for the educational program she's pursuing part-time. She is reimbursed $200 each semester from her work. Car insurance for both cars per month + renters insurance is $220, pet insurance is $500 annually. Groceries (including toiletries) are around $500-$700 a month (usually totals $350-$400), but Covid = curbside which has a mandatory markup and harder to use coupons) Rent + utilities (power, water, sewer, internet ($50), cell bill ($63), streaming services (netflix, spotify, streams($45 total) totals about $1450 a month. Gas for cars (these days, $40 every 3 months, normal times, $30 a month as we carpool for work). Clothing: Tend to buy clothes once a year and repair it ourselves so we can usually keep pants/shirts/etc. going for 3 years or so. Or sometimes we will sew our own clothing. Let's say $200 every couple of years. If we were to buy a $450k house and put 10% down, would we be house poor (assuming we continue our current savings levels)? With the market the way it is, housing costs continue to increase in areas with a reasonable commute to our offices. We could buy farther out for cheaper, but then that means 1hr long commutes unless we leave for work super early and come home early. It seems like we could afford it, but as I tend to not like spending money until I meet certain savings goals (usually 5x the cost of an item over $100), my car was the most expensive thing I've purchased (other than my education) and I paid it off 3 years early. Another thing to note is that we do not plan on having children, but maybe another dog at some point. She does not expect an inheritance as she married outside of her race. I do expect a decent inheritance but hopefully not for a while. [link] [comments]  |
| What is the best plan for exercising options in a company planning to IPO in the next 5 months. Posted: 28 Dec 2020 01:24 PM PST I work for a decently well known start up that is planning to go public in 5 months. They have filed their S-1, and are on the path. I have a number of ISO grants that have fully vested over 4 years and some that are still vesting - but I have not exercised any of them. Given it's the end of the year, and I haven't exercised, I'm trying to build out the most tax advantageous plan. My understanding is that if I were to exercise on Jan 1, with a ~5 month roadmap to IPO and a 6 months lockup period post IPO, I would be close to getting to long term capital gains when I have my first chance to sell. 3 questions for the genius PF crew:
*** if it helps we can assume I have enough money to buy all the options when needed - but would utilize a lot of my cash reserves. My risk tolerance is medium. Understanding that there are a lot of other factors that I haven't disclosed / there is always the risk of the stock going down at IPO. Any guidance would be much appreciated! [link] [comments]  |
| Should I keep putting money towards stocks rather than "fun" things? Posted: 28 Dec 2020 06:00 PM PST I'm behind on my investing for retirement so for the last 3 months I have been trying to work hard to grow all that. My goal for 2021 is contribute to my 401k up to my company's match, fully fund my Roth IRA, and double the amount in my brokerage account both from growth and deposits. I think these are reasonable goals but would like to do as much as I can. I don't have an excessive amount of extra income, my budget is managed pretty well and I have things mapped out and generally try to buy the cheapest services/items that make sense. I don't really buy a lot of "fun" things for myself and that is alright, I don't have a ton of hobbies or wants really at the moment. So for example I got a $100 Visa gift card for Christmas, I spent $10 on something I wanted and was just going to throw the other $90 into my brokerage account. I have things I can spend it on but I'm not sure what really, nothing that I have been saving up for or wanting for a super long time. I guess my question is somewhat ambiguous but is it a bad decision to try and catch up and meet my goals at the expense of not buying stuff? [link] [comments]  |
| Invest sizeable chunk of money now or slowly over the next year or two Posted: 28 Dec 2020 05:57 PM PST I'm fortunate to be in a very good place with respect to personal finance (stable well-paid job that I love with a 20min commute, no debt besides a 30-year mortgage at 2.5%, max out my 401k/IRA every year and invest/save more on top of that). I recently came in to a few $100k. I generally don't try to time the market or invest in individual stocks, rather I invest long in target date funds, sector ETFs, and a few alternative investments. But with the stock market at all-time highs (the S&P500 P/E ratio is at something like 37!), I'm wondering if /r/personalfinance thinks I should dump all of the money in the market now, or rather slowly over the next year or two. EDIT: Yes, the stock market is frequently at all time highs, that is obviously the point of investing. But what I suppose what I really mean is the market is overheated/inflated with respect to price to earnings. We aren't quite at the late 90's peak but we are quickly approaching it. https://www.multpl.com/shiller-pe SECOND EDIT: [link] [comments]  |
| Posted: 28 Dec 2020 02:34 PM PST Hello everyone. I've barely used Reddit before, so I don't know any etiquette, but I'm kind of left stranded so I really need any help I can get. I will try to keep this short and provide all necessary information in the explanation below. A year and two months ago a family member opened a credit card with Credit One Bank that had a limit of $500. I just learned about it very recently, but the account has been "closed" since March. They have made a few payments since but have missed just as many. The account now sits at just under $1000, and because I assume laws are different depending on where the offense was, I live in Ohio. I don't want to get them in legal trouble but I really want this card taken off as I'm looking to purchase my first car and my credit score is in the 400s. What is the best course of action in my situation? I will provide any other information (within limits) that I can, if I didn't give it above. Any and all help or guidance is appreciated. Thank you all. [link] [comments]  |
| Got a claim to my insurance from a doctor I’ve never visited, what do I do? Posted: 27 Dec 2020 11:22 PM PST I don't know where to ask this so if there's a better sub, please let me know I recently have been looking to make an appointment online with kaiser, but noticed I haven't been able to and kept receiving notices that if I wasn't covered, I wouldn't be able to do much through their site. When i was looking for more information about my coverage, I saw a list of claims from my doctors over the course of the past two years but I noticed I had a recent one in october from a doctor I've never seen before for more than $200 and was not stated to be covered by my insurance or processed by my insurance. There was another claim from the same doctor in 2019 for $45 where 25 was covered and 20 was not. Im currently in school so i'm under my parent's plan originally in norcal but I'm in school in socal, so I switched back in september to receive coverage here. The doctor is located in norcal, so there was no way I could have visited him at all since I'm in school and didn't see any type of doctor since I left. He is also a pediatrician so there's definitely no way I would've seen him since I'm an adult with no children. I don't really understand what a claim is, but from what I've read so far it's just a bill to the insurance ? Do i now need to pay off this money that is not covered by insurance? I'm just confused on what my next steps should be (Kaiser's claims department is closed right now), whether I should be concerned about identity theft or anything, and what I need to do to protect my information (if necessary). thanks update: after 5 different phone calls, it turns out it was for a flu shot, but I discovered that I'm no longer covered/receiving benefits from my parents insurance, despite the fact that I'm still a dependent. [link] [comments]  |
| Posted: 28 Dec 2020 03:54 PM PST I don't know anything about how this works but now they have received a summons to small claims court and they say "they have done research and they know how to get around it." What will happen? It's a very large very well known fast food company which I'm assuming has some good lawyers. Im painfully curious as to what will happen next? [link] [comments]  |
| Posted: 28 Dec 2020 04:47 PM PST Hi all, I have been a long term lurker of reddit since high school (~2011) and decided its time to participate. A quick background about myself. I am a 27 year old male in his last semester of rotations in pharmacy school. I completed an undergraduate degree, worked part time during my undergraduate degree, and decided big pharma/biopharma/biotech is the path to go. I have worked during undergrad and opened up a checking account with chase to deposit my checks. I was trying to continue to work but went to school in a different region of my state, and was unemployed throughout my didactic years of professional schooling. I was fortunate enough to get scholarships and save up money to pay for my expenses during my schooling. I lived extremely frugally during my didactic years. I am about to graduate and hit the real world. I have no idea about finance, and waited to long for family to help grow my financial literacy (news flash, they did not, but now I want to be proactive). I have no credit line opened up. I have this guilt of starting late (depression/anxiety really got in the way of my 20's, but working my way out of that currently), but I feel like a student credit card is a great start (even though I am graduating May 2021). Any advice on which credit card that is beneficial to a student, and what is the process like (do they need pay-stubs, co-sign, etc, I am unemployed). I have friends recommend me the discover card for students (https://www.discover.com/credit-cards/student/). I have a checking account with chase since 2012, and was wondering if I should apply for a credit card with them? Also, is there any resources I should look into so I can self-teach the importance of credit, it feels like the internet and great friends are amazing resources but an informational overload. Thank you, and it feels great to climb out of lurking and be apart of the reddit community. [link] [comments]  |
| Posted: 28 Dec 2020 08:14 PM PST Hi, I checked my credit report before heading into the new year and there is a 2.5k debt opened in my name for a apartment issue in 2018. I have talked with the credit company (Genesis Credit Management) and told them I have no idea what they are talking about and have never been to that apartment, or know the other names on the debt. They sent me a fraud checklist of documents that I have to collect, send them scans of my id, file a police report, and get signatures notarized and scanned. This unknown apartment is in the same city (Austin,TX) I was living in back in 2018. So im confused if that is a coincidence because I haven't lost my ID or any important physical documents that someone could use. Has my identity been stolen or did the credit company just screw up? Is it normal for the credit collector to make me go through all these step to prove that this wasn't me? How do I know that the credit company is not a fraud? Thanks for any help :) [link] [comments]  |
| Pay of 0% loan or just do payments? Posted: 28 Dec 2020 08:05 AM PST My wife and I currently have ~$80,000 in 0% Ford Credit loans for two new vehicles we purchase. We're financially stable and this year has been oddly very good to us even with all the chaos around us. I had some assets in an investment I made (private equity) that sold so I transferred some funds over prior to getting the loan. So I have the money in a money market account earning ~1.5% interest so nothing major (it's your typical bank money market so not any real investment account). Total funds I moved into the MM account is about 140k. That said, when we went to buy the vehicle I asked the sales man to put together a price sheet for taking the 0% loan and a price sheet for "other form" outside of them (without telling them I would pay cash, just hinted to a credit union or something). The loan had a deal to take money off the car if you applied for their credit (they then try to pitch you all the extra stuff which I turned down). That said, I took the 0% loan and bought the vehicles. I'm not kidding myself that I saved a ton doing that, but it was some money off so I took it and didn't say a word about the cash. My original plan was just pay it off that month. But now that I look at it, if I just keep making payments, keep the transferred cash asset into the money market account, I'll actually net another ~6-7k or so over the next couple years at the 1.5% interest while basically paying for the vehicles using the money I already have ready for it. Not getting rich from it by any means, but hey, the way I see it is another ~7k off the vehicles since it costs me nothing to get. Admittedly, that seems to make sense.. but what I can't really decide is if there's a con to this. The money is there, I can pay them off now. We're very strict in budget so we won't touch this money and have plenty in other accounts even if an emergency came up (8 months of cost of living in another easy access fund, money held for some home projects we want to do next year in another, etc..). Just curious on this communities take on if I am missing something by doing that. We are debt free and have been for ~15 years so it's just weird for us to have "debt" even though it's covered. But logically it still makes us money sitting there. [link] [comments]  |
| MoneyGram - Does this sound legit/safe? Posted: 28 Dec 2020 07:54 PM PST Hey guys, I can tell from just the title of this that I may be answering my own question, but I'd really appreciate your advice. I do a lot of freelance work and a video game company in Russia have asked to pay me via Moneygram. I've had zero experience with Moneygram but from what I've found it seems to be one of the main ways Russians are able to transfer funds internationally (correct me if I'm wrong/if you know of any safe alternatives). The company has asked for my full name, city and country, and told me that when I'm to receive funds, I'll go into a local moneytransfer office with a code to receive my funds. I've worked for this company before on small freebies - like press-releases - for context. There is no official Moneygram office near me, but a local wire-transfer business said they can receive Moneygram funds. Personally, this all seems a bit hokey and like I could potentially get screwed, am I right in thinking this or am I just abysmally ignorant as to how Moneygram/money wiring services work? I'd really appreciate any advice. [link] [comments]  |
| Posted: 28 Dec 2020 07:52 PM PST I have been with my nonprofit employer for over 4 years and recently earned a doctorate in a field relevant to my job. I get to negotiate a job title promotion and a raise. How much is reasonable to ask for percentage wise? I'm thinking about asking for a 23-25% raise and negotiating down to 18-20%. Is that reasonable? Thanks wizards of Reddit! [link] [comments]  |
| Posted: 28 Dec 2020 07:45 PM PST I currently live with my parents and I feel that living with them hinders opportunities outside of home. I long to get out into the real world and make a living for myself while also being able to feed myself and just start being an independent adult. [link] [comments]  |
| Can I still get a mortgage without a job if I already have the assets to buy the house in cash? Posted: 28 Dec 2020 05:27 PM PST I have enough money to buy the house I want, but I'm considering getting a mortgage to keep the money invested. But I am not currently employed - I was hoping to hold off on getting a job until I make the move to keep stress levels low. Could I still quality for a mortgage? Or should I get a job offer before I move? [link] [comments]  |
| Emergency Room Threatening Collections Posted: 28 Dec 2020 07:36 PM PST I was in a car accident in 2019. I drove myself to the emergency room. When they asked for insurance, I provided them both my auto and health per their requirement. As with all health insurance claims, the provider was supposed to bill my insurance. Well, 18 months later (December 2020) I get a call stating they are sending me to collections if we don't settle soon. What!? I immediately called my insurance companies....first car insurance. 12 months after the incident, they tried to bill my auto insurance company. Immediately denied (because why would my car insurance pay for an x-ray). Next was health insurance. They never received anything from this emergency room, and the emergency room confirmed that they hadn't submitted the claim until December 2020. I'm fairly certain that my health insurance will deny the claim since it's been 18 months...which makes me worried this hospital will try to stick me with the bill. Are there any protections for me against a hospital that failed to submit claims timely? TL;DR: emergency room didn't submit claims until 12 & 18 months later and I'm worried they're going to ask me to pay the balance [link] [comments]  |
| Mismatched scores between bureaus - advice Posted: 28 Dec 2020 03:50 PM PST Scores: 741 / 732 / 647 I called experian, they said to contact my financial advisor - so that's you guys. I've read experian being significantly lower is actually pretty common. I understand there's different models, and that's pretty much all I understand about that and have not found any better answers. It appears the collections accounts and late payments from years ago still show on experian but are paid in full/ closed on the other two. Apart from that my average age is only 3 years. I would like to raise that score as I'm interested in applying for a chase sapphire card (to raise my overall available credit) and will be interested in buying a home potentially in the next year. I'm open for questions, I'll provide info within my privacy if you have advice for me. Looking for tricks/ tips/ suggestions. Thank you [link] [comments]  |
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