Personal Finance If you have USAA, you can sign up for Active and Fit Direct, which gives you access to thousands of gyms for $25/month |
- If you have USAA, you can sign up for Active and Fit Direct, which gives you access to thousands of gyms for $25/month
- Urgent Care sent my bill to collections after 2 weeks without even billing me
- ELI5: Is using ApplePay safer than my usual CC?
- Supervisor of an ER told me that they "don't do" itemised bills and that id have to negotiate with billing department.
- A 3rd party with the same First/Last name accessed my paypal and added their phone number. Paypal called to tell me they were investigating.
- Amended Tax Return
- My friend hasn't filed her taxes in several years. Where should she start?
- I have RSUs vesting. Should I have my company sell some of my RSUs to pay for taxes or should I pay it myself?
- What is amway supposed to be?
- Medical bills sent to collections, but the letter says to either pay the provider OR the collector?
- How to find housing with no guarantor?
- Help with understanding early withdrawal penalties from Post-Tax 401(k) and Roth 401(k)
- File taxes with no 2020 income?
- Is this House FOMO?
- Multiple Tax States in 2020, W2 Box 15 says "Total State"
- I’ve spent as much on car payments and i have in repairs, still owe 8,000 and car is broken again
- 3x the limit renting application?
- Got a job offer after working there for 1.5 years
- Raising credit score?
- What else should I be doing for financial success?
- How can I create retirement for parents who never saved
- First time savings account
- Apartment complex's internet has been down for four days
- Lived and worked in WA, remote internship in NYC, full-time remote job in CA
| Posted: 04 Apr 2021 10:30 AM PDT Gyms are slowly opening up in my area (USA), so I thought I would give active and fit direct (AFD) since it is cheaper than many membership fees. How it works You sign up via a USAA link You pay $25/month plus a one time enrollment fee. After the first 2 months, it is a month to month subscription. You look up the gyms to see who they are partnered with. They are partners with larger gyms like LA Fitness, Crunch and Planet Fitness as well as smaller local gyms in my area. The AFD website will print up a guest pass letter you hand over to the gym. You show your ID, your letter, and your AFD membership card and boom, that's it. The gym then signs you up for their regular basic membership at zero cost to you. I signed up for the 3 gyms since 2 of them are near my place and the other one is near my work, so I have freedom on when/where I can work out. If you do not want to work out at a gym, they have thousands of online videos for work outs. Anybody else used this? How was your experience? edit You can get Active and Fit Direct through AAA as well. Another user said to contact your health insurance to see if you qualify. [link] [comments]  |
| Urgent Care sent my bill to collections after 2 weeks without even billing me Posted: 04 Apr 2021 08:56 AM PDT I saw the doctor at my local Urgent Care on Saturday, March 7th. The front desk said that my visit would go through insurance, and then I would get a bill. I never got a bill. Instead, today (April 4th), I got a letter from Medicredit, a collection agency, demanding I pay the $20. The letter says the payment was due to the credit agency on March 24th. I checked my mail on March 27th before going out of town, and I hadn't even gotten the letter yet. So, it looks like my urgent care learned the amount I owed from the insurance maybe a week after my visit, and then instead of sending me a normal bill, they just sent my bill straight to collections! Wth??? I'm so upset. I've never had anything go to collections. I have worked so hard on my credit, and this is going to damage it! Don't offices have to wait 30, 60, or 90 days before sending a bill to collections?? Don't they have to try to reach out first or at least bill me!!!! This has to be a mistake, right? The office isn't open today, and I am panicking. What should I do?? [link] [comments]  |
| ELI5: Is using ApplePay safer than my usual CC? Posted: 04 Apr 2021 10:58 AM PDT I've been noticing more websites have AP as a payment option. Is there less chance of my Cc# being stolen if using AP vs entering the CC details directly on the website? [link] [comments]  |
| Posted: 04 Apr 2021 07:04 PM PDT I went to an ER 2 hours away from my home because j had vomited and saw drops of blood. They performed a urine, blood, and stool test. Gave me 3 medications and an IV bag. The bill was $1000. I asked for an itemised bill and was flat out refused. Did I just get screwed? [link] [comments]  |
| Posted: 04 Apr 2021 05:42 PM PDT First off, it's was legit Paypal call as it was the same name/person as who I'd initially been talking with through their "help center" messaging. To start off, today I got notified by multiple emails that someone was requesting a code to reset my password. First oddity is notification that it wasn't sent to my primary email (primary in Paypal settings), but to the random email I use that doesn't have any identifying info (primary is my first/last name). There should only be a handful of people on the planet that even know that email exists....so seemed weird someone would know that email and use it to get into paypal. I use it so rarely. Soooo....that triggered a response for me to login to paypal and see what was going on. Log in, someone has added a telephone number to my account. Ok alarms going off. I immediately reset my password, remove extra emails associated with the account. Remove all but my personal cell phone (work number was on there too), remove my bank info, change my security questions, etc. I open a ticket to report this to see if paypal can confirm that the phone number was added today (by whoever was trying to reset the password), etc. After getting a brief response which I reply back to with another question, the person from Paypal calls me. She's able to tell me the time the 3rd number was added (which is about 5 mins after the resets were requested). Initially, I thought maybe spoofing the SIM on 2nd phone line (or whatever they do) might have been how they got in...but after talking to my cell carrier, no one has contacted them to do anything with that phone...and again, I think they would have had to still reset my password. So, it's very weird that: 1) someone definitely accessed my Paypal account and added their phone number 2) they didn't succeed in resetting my password as I logged in and changed everything after they added the phone number But that raises even more questions of how did they access my account without successfully resetting the password? 3) the Paypal person gave me the full number (paypal normally *** it out). Google to find out this person has the same first/last name as me...and the person seems really old (almost 50 years active military+years retired) as Google actually returns some specific info due to military service and this person uses the number as a work phone (now in real estate it seems). May be possible some one targeting my account Googled this person and is spoofing their number??? Adding their number to "throw me off"???? But that seems really far fetched....But how did our accounts get "crossed" if it was this guy? 4) Paypal rep said they were opening a case to investigate as she wasn't initially sure how they would have accessed my account to add a number either without resetting my password or having my password. The weirdest thing I've ever experienced (luckily I guess) with an online account. Any ideas? PS I use a 3rd party password manager and complex, unique passwords. **********EDIT ADDING REPLY FROM /r/paypal*********************
At which point I asked.
and They responded
So my last question is
Paypal seems to have serious security flaws. Also, very weird they simply don't have a "login (attempts too) history with IPs" [link] [comments]  |
| Posted: 04 Apr 2021 05:00 PM PDT Not sure if anyone could point me in the right direction on which forms I need to mail to the irs. I set up an ira facilitated by a credit union through a large brokerage. This was my set it and forget it investment with contributions monthly, thus why I never checked for sure whether it was a traditional or a roth. I told the credit union financial advisor I'd like a roth because I already have a 401k which will be taxed later and I wanted to diversify my investments through different tax advantage accounts. Well, I finally logged onto check it after 5 years and I've been contributing to a traditional, (on my taxes I've reported roth.) So I've been amending the taxes, and just want to know which pages that need to be sent in for changes to an ira contribution. Thank you for any help. [link] [comments]  |
| My friend hasn't filed her taxes in several years. Where should she start? Posted: 04 Apr 2021 12:07 PM PDT Hi there! Hopefully this is the right forum for this question. My friend hasn't filed her taxes in several years. She's worked several jobs waiting tables and serving. I'm not sure what records she has. It's giving her a lot of anxiety so I'm trying to help. Any advice on where she should start? Thanks [link] [comments]  |
| Posted: 04 Apr 2021 06:00 PM PDT My company is privately held and I have vesting shares that can be sold in June. Previously, I told my company to sell some of the vesting RSUs to cover taxes but I am wondering if it would be beneficial to cover the tax bill myself. Thoughts? Use case: I had 2,389 RSUs vest and after taxes, I netted 1447 (942 used for taxes). [link] [comments]  |
| Posted: 04 Apr 2021 03:00 AM PDT I recently noticed that my old history teacher was promoting this shit heavily and trying to "recruit" people to do the same. And I also have memories of a childhood friend's mother trying to sell the stuff to us. I think we actually bought some but I'm not sure. It seems eerily like a pyramid scheme so I want to let the lady know about it. Is it really dangerous? Should I speak to my teacher about it? [link] [comments]  |
| Medical bills sent to collections, but the letter says to either pay the provider OR the collector? Posted: 04 Apr 2021 04:44 PM PDT Long story short, I was in the hospital at the end of October and was out of work until March. Stupidly, I was ignoring the hospitals letters and they sent part of it to collections last month. Prior to receiving this letter, when I logged into my account for the hospital I noticed my bill was lowered and it says "changes to your account have been made since your last statement" so after receiving this letter and doing some math, the portion this agency was asking for is the same amount my account was reduced by. I used my stimulus check to pay off that portion. Yesterday I received a letter from a different collection agency telling me I needed to pay off the rest in full. However, this letter is different, because it shows an option to pay the provider (the hospital) and instructions on how to do so, or how to pay the collector. Also, when I log onto my account with the hospital the remaining mount of my bill is still visible to me, unlike the amount with the last letter I received from a collection agency. Does this mean I could still contact the hospital and set up a payment plan for this portion? I'm now working and able to do so, so I would be more than willing to do that. [link] [comments]  |
| How to find housing with no guarantor? Posted: 04 Apr 2021 07:27 PM PDT I am attempting to find housing in an area with an extremely expensive and competitive housing market. This would be my first apartment and I'm a student with a minimum wage job so every single rental I have inquired about has told me I need a guarantor, even the cheap and shitty ones. My parents have made it exceptionally clear that while they are willing to help out financially, they are not willing to act as guarantors/cosigners. I have looked into companies that act as guarantors for a (frankly absurd) fee but a lot of them don't actually serve my area and the companies that are available in this city have some real predatory scam vibes. I know I can pay for these apartments, my job is secure, I have built up a good emergency fund and savings account, and I even have a scholarship for school that comes with a housing grant, I just do not have anyone who can sign for me. Is there anything I can do here? [link] [comments]  |
| Help with understanding early withdrawal penalties from Post-Tax 401(k) and Roth 401(k) Posted: 04 Apr 2021 07:06 PM PDT Can someone under age 59.5 make early withdrawals of Post-Tax 401(k) and Roth 401(k) contributions without penalty, or paying taxes? As I understand it, when you make an early withdrawal Post-Tax 401(k) or Roth 401(k) contributions, a proportion of the withdrawal is composed of your gains…assuming the value of your account has increased. The portion of the withdrawal that is considered earnings is prorated based on the ratio of contributions to earnings in the account. For example, if a Roth 401(k) has a balance of $10k - $8k of which is contributions and $2k is earnings – then any early withdrawal from this account would therefore be composed of 80% contributions and 20% earnings. If an early withdrawal was made from the account, 80% of the withdrawal that came from contributions would be tax free and not subject to a 10% penalty. But the 20% portion from earnings would be taxed as regular income, and subject to a 10% tax penalty. Is that correct? Does the same logic apply to both Roth 401(k)'s and Post-Tax 401(k)'s (i.e., a portion of the early withdrawal will be comprised of any gains and subject to tax and an early withdrawal penalty)? [link] [comments]  |
| File taxes with no 2020 income? Posted: 04 Apr 2021 07:00 PM PDT Full time grad student, do I need to file taxes this year if I had zero income last year? I have a Vanguard account but I didn't make any withdrawals, so would that mean I didn't realize any gains from it? Do I just file with one of the IRS free file sites? And should I at least put some interest received so that I am eligible for refunds? [link] [comments]  |
| Posted: 04 Apr 2021 11:52 AM PDT My husband and I live in Dallas and currently renting an apartment. We make 125k/yr combined. Only debt is student loans. Our original plan was to buy a house this fall but now I'm having second thoughts. Our apartment is in a great location and our rent isn't unreasonable ($1700 for 1250sf, 2b/2b & 1car garage) we are fine with staying here longer. We currently have good credit scores (750+), 5% down payment/closing costs saved up. Our realtor and lender both say we are good candidates but to be competitive in this market we either have to wait to save more or dip into retirement (I'm not a fan of this). The original goal was to not spend much more on housing ($2000 max) per month than what we are paying now in rent. Right now with prices going up so fast that goal is almost unachievable without having 1hr+ commute. I keep asking myself at what point is getting a house going to be worth it? Truly worth it? Our commutes are 30 minutes or less, we like our apartment location and it's amenities, and it keeps our expenses low where we can live off of one income. Financially it feels irresponsible to try and compete pay $20k+ over appraisal. However the Dallas market isn't going to get any better so it also feels dumb for not jumping in while we can since we will be ready to buy this fall. Idk what to do. Is this just FOMO? [link] [comments]  |
| Multiple Tax States in 2020, W2 Box 15 says "Total State" Posted: 04 Apr 2021 06:52 PM PDT |
| I’ve spent as much on car payments and i have in repairs, still owe 8,000 and car is broken again Posted: 04 Apr 2021 08:09 AM PDT I need to explore options to get rid of this car. it keeps breaking, sometimes new areas, mostly the same problem over and over. I would like to trade this car in and get something else, but i'm not sure how that works with the amount i owe. is there a type of dealership who could take over the payments and put it towards another car? could i go back to the same dealership and ask for a trade in? i'm okay with paying, i just can't keep paying on a car that will just break again. roughly every other month my car will have a leak in the coolant line that causes it to over heat, which costs almost 1,000 every time. i've asked the mechanics to look further into it because its a recurring problem but they keep saying that they don't see any underlying issues. if you've read this far and are left with nothing to say, just remember to never buy a chevy cruz [link] [comments]  |
| 3x the limit renting application? Posted: 04 Apr 2021 03:19 PM PDT So excited, my career has pushed me to the next step. However, this has me moving to the Denver area. The cost of living for house rentals is intense, to say the least. A good number of house rentals state "must earn 3x the rent for income". Is this typically an absolute? [link] [comments]  |
| Got a job offer after working there for 1.5 years Posted: 04 Apr 2021 11:33 AM PDT Title says it all. I got a job offer from my current employer to be full time with benefits. Here's the full package and it is in a metropolitan city in Texas so keep that in mind.
Here are the problems I have with this deal.
Personally, I want to hit $90k base with 15 days of vacation but that'll be hard to do with a small company that naturally comes with a 20% pay cut compared to large companies. I just don't know how to approach this matter. I know I'm not hurting with this deal but I'm trying to protect myself with the growing cost of living and my future earning potential. How should I approach this? I still haven't signed anything or messaged back since I'm in crunch mode with a project. Is there anything else I'm forgetting to take into account? Any help would nice. [link] [comments]  |
| Posted: 04 Apr 2021 06:02 PM PDT Times got tough about 2-3 years ago and we messed up our credit. Now, we both have reliable jobs and thanks to the stimulus all of my credit cards are about to be paid off. We own a mobile home outright (this is how we were able to pay off our debt) we own both our cars, IE we will have no interest debts to pay off (outside of student loans). My credit score isn't awesome. My question, will my credit score be benefitted that all my debts are paid, or do i need to finance something. Any help would be appreciated. [link] [comments]  |
| What else should I be doing for financial success? Posted: 04 Apr 2021 04:28 PM PDT I am 29 years old single and grossing 90k per year. My pay increases every year due to contract. My overhead expenses with everything so far is about 1200-1500 per month that includes food, insurance, rent, etc... I have a 403B and putting 10 percent down. I have about 2k in the 403B atm. I only started 3 months ago which I regret. Been working at this company for a year and 3 months and I believe they start matching after one year mark. I feel behind since i didnt get a good career when i graduated college in 2013. Spent many years in low pay jobs scraping by so trying to get serious now. Right now I put approximately 85% of my income into the stock market. My net worth at the moment is about 80k that includes stocks. As for debt I have about 25k from school debt with no accruing interest due to covid. I plan to just pay it off in a lump sum once interest starts accruing. I have been using that extra savings from not paying student loans and putting it in the stock market. I am thinking what else I should be doing. I heard about roth Ira don't know if I should be opening an account. I am debating on whether i want to purchase a single family house, a multi family house, condo, or continue to rent. What else should I be doing or am I on the right track? [link] [comments]  |
| How can I create retirement for parents who never saved Posted: 04 Apr 2021 11:42 AM PDT Hi, i grew up with immigrant parents who worked their asses of at three jobs for years to support me and my siblings. We were dirt poor and lived from paycheck to paycheck. My parents have 0 retirement what so ever. I want to figure out how to start making plans to take care of them as they get older. Im completely financially fine. I work a 6 figure full time job and have retirement, investments, etc etc. I recently started a small business that has been seeing some success. My parents are 61 and 56. The small business has me with a leftover 4k or so a month as profit for myself. Whats the best way to invest this short term for them so when they do reach an age (probably within the next 10-15 years) where they can no longer work I can more easily take care of them. Please let me know if you have any questions, thanks! [link] [comments]  |
| Posted: 04 Apr 2021 07:28 PM PDT Hi I'm wondering if anybody uses or has used the Marcus by Goldman Sachs high yield savings account. If so, do you recommend it? I am interested in opening a savings account. [link] [comments]  |
| Apartment complex's internet has been down for four days Posted: 04 Apr 2021 07:26 PM PDT Our entire apartment complex's internet has been down for four days, which is extra great in an age when all of your classes are online and said apartment has not provided a temporary hotspot for us. Our apartment uses a media company for internet which apparently uses AT&T (don't know why we need the middleman), and they have assured us that AT&T's higher level teams are on it but have given us no timeline. The lease agreement says that the complex is not responsible for interruptions in internet. This has been incredibly frustrating, and I don't know if there's anything we can do, I'm just wondering if other people have been in similar situations. As much as I want to be mad at the complex it's really not their fault, and it's just an all around bad situation but I guess I'm just venting. [link] [comments]  |
| Lived and worked in WA, remote internship in NYC, full-time remote job in CA Posted: 04 Apr 2021 07:16 PM PDT I lived in Washington for the entirety of 2020. I had an internship based in NYC and I had NY taxes withheld (from this law). Shortly after that, I started a full-time job based in CA but I only had federal taxes withheld. I worked remotely for both of these jobs, I've never lived outside of WA. Do I:
[link] [comments]  |
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