Personal Finance Got sent $2,200 on Paypal from a "Hitman Rips LLC." and an immediate email after asking for the money back. Confirming this is a scam? |
- Got sent $2,200 on Paypal from a "Hitman Rips LLC." and an immediate email after asking for the money back. Confirming this is a scam?
- I'm never gonna afford a house.
- Just learnt that my dad put our family house as collateral for the money he borrowed which had to be paid back in 2 weeks or we lose the house.
- Just bought a house as a single 27 year old. Had to sign a document stating I was going to be the only one living there. Why?
- Hit a pot hole,$1k deductible, $3k in damage, should i file a claim or pay out of pocket?
- Response to "how much do you make at your current job?" from recruiters
- How should my mom invest $100,00?
- As Identity Fraud is Evermore Prevalent, is Leaving a Credit Freeze on the Big Three Agencies Prudent? What are the Pros and Cons?
- Advice and thoughts on house situation
- What to do with 401k from employer I was laid off from 3 years ago?
- Someone is attempting to claim my home address as their business on Google. Is this a scam?
- I am a 23 year old working in retail with social anxiety disorder and would love to live alone. How can I afford this?
- Completed a job for $1000 and then business owner reversed transaction
- House Buying Strategy
- Just got $50K and don’t know what to do with it
- Should I buy a condo/small house in Florida or rent a place in California?
- Medical Bill Went to collections
- Buy a lower interest rate?
- I’m planning on financing a new car at a dealership’s interest rate to get the dealership incentives, and then immediately refinancing at a lower interest rate. Is this advisable?
- Just got $15k for auto accident, what to do with money? Looking at Mutual funds - better than savings or online banks and safer?
- Dealership sold me a non-existing car.
- Stock trading in Traditional IRA
- Are there any negatives to debit cards like the Cash App Cash Card?
| Posted: 04 May 2021 09:55 AM PDT I got the push notification from Paypal and then a minute later, an email from the guy who supposedly sent it saying he sent it to the wrong person and asking me to refund. I haven't moved the money at all, didn't even open the Paypal app. I just want to confirm this is a potential scam before I do anything. Edit: Went to open a help ticket and PayPal is already reviewing it. [link] [comments]  |
| I'm never gonna afford a house. Posted: 04 May 2021 10:49 AM PDT How in the world are normal people supposed to afford buying a house here (US) right now? I make 65k a year, as a 32 y/o male. Single, no kids. The cost of a house, 3 bed 2 bath with a small yard, in a decent neighborhood where I live is 400k. It was 230k 5 years ago. I just don't see how I'll ever be able to afford one without finding a job in the middle of the boonies somewhere and moving. I wasn't able to get a decent job making a livable wage until a couple of years ago, so I'm behind on the savings. Besides a 401k for retirement, I have a standard investing account with my broker that currently has 15k. I expect I'll probably be making around 85k in a couple of years, but even with that and my credit score (760 last time I checked) I don't see how I could manage a mortgage at that cost. It's like a rocket blasted off with all the current homeowners to the moon, and I was too late to jump on because I wasn't making enough money at that time. It's really bumming me out. Edit: For those giving suggestions, I appreciate it and will consider them. For those offering empathy, I definitely feel it and thank you. For those saying that I'm not allowed to own an average house as a single dude on an average income and should change what I want, I can't help but wonder what your mentality would be if the housing market was like this 10 years ago. [link] [comments]  |
| Posted: 04 May 2021 05:49 AM PDT So I just found out all the above when the bank people came yesterday to take a evaluation of the house for the auction if the payment is not made. I do not know what to do, my mum is just praying, my dad left before the bank people came and has not come back home ever since yesterday. [link] [comments]  |
| Posted: 04 May 2021 04:35 PM PDT Just curious. I'm a single 27 year old woman. Does it have to do with another persons income, and why would that matter when I'm the one buying? [link] [comments]  |
| Hit a pot hole,$1k deductible, $3k in damage, should i file a claim or pay out of pocket? Posted: 04 May 2021 06:22 PM PDT Driving on a California highway Sunday and I hit a rut in the road and blew out 2 tires on the left side of the car. AAA towed the car to the closest tire shop. Tire shop replaces 2 tires and did an alignment. Went to pick up the car they said the left front wheel would not align "something was bent". Paid them $417, walked out to the car and noticed the rim is clearly bent. I drove the car straight to my buddies shop. He looked at it and I need a new wheel, steering knuckle, and a strut. Retail $2600 in repairs, friends and family rate $1800. $400 for the tire shop and $2600 for my buddy's shop could cost Geico around $3000 - $1000 deductible. So they might have to foot a $2000 bill. That comes to $50/month over 3 years (length claim is on the record in CA). I assume no one has their crystal ball to tell me how much my premium would increase. Is it worth filing a claim in your opinion? My gut is telling me to eat the cost and pay $2200 out of pocket but would like to hear if anyone has advise from a similar experience. I am aware that I can file a claim with Caltrans, its unlikely to be paid out. In the chaos of things i did not take any pictures of the incident. I can go back to the scene and photograph the road but that's the best I will be able to do for providing any kind of evidence. [link] [comments]  |
| Response to "how much do you make at your current job?" from recruiters Posted: 04 May 2021 12:05 PM PDT I always get asked how much I'm making at my current job when the salary discussion comes up with recruiters. What are the best ways you guys found to answer this? Nobody wants to give out a number then be low-balled. How about: "First, I'd like to know the salary range for the position you're looking to fill?" "Out of respect for my current employer I would rather not disclose that information." [link] [comments]  |
| How should my mom invest $100,00? Posted: 04 May 2021 02:34 PM PDT My mom is about to sell her business and retire at 65. She'll have $100,000 - $200,000 to live off of and invest, and she's never invested anything before so she's asked me to help her decide where to invest it. I'm only 21 and just learning about finances, and my first thought is to put it in a couple ETFs, but I don't even know the best way to go about doing that (use an online platform like Robinhood? Hiring a professional account manager? I'd like to offload some of the responsibility, but idk how expensive that would be) I'd appreciate any help! [link] [comments]  |
| Posted: 04 May 2021 07:21 AM PDT Hello again personal finance. Navigating the big world of financial and personal decisions in your 20s has proven to be a doozy. Recently, at my fiancé's very small firm, there have been 4 cases of Identity theft. That is out of 15 Employees. 3 were used to make fraudulent UI claims, 1 was used to open fraudulent lines of credit. As of last night her credit is frozen on the big 3. Our question was, is it a common tactic to simply leave your credit frozen until you need it (refreezing every [7?] years)? Are there any cons to doing this? Will it make it difficult to- or could it cause problems with- using your existing lines of credit? Thanks in advance! Quick Edit: Also, since now that I am thinking about it a freeze will not stop UI claims, are there any preventative steps to take to possibly stop that? [link] [comments]  |
| Advice and thoughts on house situation Posted: 04 May 2021 06:52 PM PDT Hopefully this is the right reddit, etc. Just looking for thoughts and advice that maybe I haven't considered. And perspectives from experience. I moved about two hours from home, about two years ago.Moved out here for my wife. She cheated on me and left. Assume the house is fully mine. Im only about a year into my mortgage after a refi. Bought the house for 400k. Its now worth probably anywhere from 550-600k...as the market is insane and there are different comps that I've received from various real estate agents. My options are Sell the house and move back in with parents, and once I settle there... Possibly buy something in my home town where it's more expensive, etc Rent the house out (probably property management cause I just don't even want to deal with it), move back in with parents and probably have to stay there longer to save up and buy something (since I won't have the cash from selling the house). My mortgage/taxes is 2450...rent for my house is maybe 2800-3000. Property mgmt takes 50 percent of first month's rent plus maybe 130ish a month... Minus wear and tear on home and fixing things etc.And minus any mortgage payments if there are no tenants at all. I feel like id largely be breaking even or coming out only slightly ahead.My other worries are crap renters that ruin the house, as I hear horror stories.Also the covid restrictions that you can't evict people if they fall on hard times. Sucks for them but also sucks for me as I'd still have a mortgage.My worry too is that this house will continue to go up in value. Its a 6 bedroom home in a fast growing city.They're building a new high school and town centers nearby etc. Anyone have thoughts on this?I'm so torn Also,I'm 34. Looking forward to move back home, date,and restart my life I'll be living a bit rent free at parents. I pull in hopefully 5-6k a month [link] [comments]  |
| What to do with 401k from employer I was laid off from 3 years ago? Posted: 04 May 2021 04:41 PM PDT I am just barely (and embarrassingly) remembering that I had a small amount in a 401k from a job I was laid off from 3 years ago. Just got into the account, which is at T Rowe Price, and there's only $10,000 in it. I do have a 401k at my new/current employer. What should I do with this old account? I'm fairly clueless when it comes to this stuff, but I am aware it's not a good idea to cash it out. I'm in my early 30s. Can I and should I roll it into my current employer's plan that I'm actively contributing to each paycheck? I read that you only have 60 days to do that when you leave a company? Not sure what my options are. [link] [comments]  |
| Someone is attempting to claim my home address as their business on Google. Is this a scam? Posted: 04 May 2021 09:27 AM PDT Have received not one but three verification postcards in the mail to verify a tire shop business at my home address. These are coming from Google My Business. I live in a suburban single-family residential development and there is definitely not a tire shop anywhere near my house. None of my neighbors are in the tire business, either. I have googled my own address, and nothing suspect shows up (yet). I have googled the name of the business, and there are [XXX] Tire Shop LLC locations in states far from me but nothing in my state. What's going on? Should I lock down any accounts or do anything specifically? [link] [comments]  |
| Posted: 04 May 2021 12:38 AM PDT I just don't like people. I would also like to do things like record music and stream video games but I'm too insecure to do those types of things with people around/roommates. I just want peace and quiet. [link] [comments]  |
| Completed a job for $1000 and then business owner reversed transaction Posted: 03 May 2021 09:31 PM PDT Hi, I will try to keep this brief. I have been working for a start up company and have been paid weekly for the past 5-6 weeks. I am paid via direct deposit with ADP. The business owner and business partner had a falling out and I am no longer working for them. My last pay check was deposited last week and I assumed that was that. Well I woke up this morning to find the transaction reversed. I've tried to contact the business owners but I am being ghosted. I've also disputed with my bank. I just don't know what I should do. There is really no physical contract just correspondences and work completed by me. Is it even worth it to fight for this money? Do I have any legal grounds? [link] [comments]  |
| Posted: 04 May 2021 12:59 PM PDT Right now, real estate in my area is appreciating significantly and it makes more sense for me to be in a home than to continue renting as rent in decent areas has gotten to be pretty insane. Given that I'd like to make a home purchase sooner rather than later. I've been thinking about liquidating my Roth IRA in full and using that as a down payment while keeping the money in my taxable account as a reserve incase of an emergency for the home. Assuming I do this, what are the tax implication of anything? Does anyone have any suggestions on alternatives? Target Range For Home Purchase: 300-350k Income: Salary: 100k (Software Development) BTC Mining: $200/month Assets: Roth IRA: 27k ($19k principal) Traditional 401k: 27k Traditional IRA: 35k Taxable: 12k Cash: 2k [link] [comments]  |
| Just got $50K and don’t know what to do with it Posted: 04 May 2021 02:19 PM PDT For context I am early 30s now and live below the poverty line, but frugally and without debt. I get by okay. I have enough money as an emergency fund. I want to save this money for when I'm old so I maybe hopefully don't have to work until I die. I don't see myself touching the money for at least 30 years hopefully but who knows. It was initially set up recently as a fund in Merrill Lynch by a parent a year ago. For reasons I haven't been explained they needed to cash it out and transfer the money to me. As I understand it, it was actively managed and turned 40K into 50K over the past year which seems like a kinda insane ROI to me if true. It's now sitting as cash in a Merrill Lynch account in my name that I set up to get the money transferred to me. I'm wondering what to do with it from here. I'm not planning on touching it for a very long time. As I see it I could ask for it to be actively managed by the same person who did so when it was in a trust, but I'm not sure what their fee would be and even if I asked them, I'm not sure what would be the highest fee where it would still be worth it to let them manage it. Or I could put it into a Vanguard Roth IRA and invest it myself. But I'm not knowledgeable about what ETFs etc I should be investing it into where I would make solid gains and start compounding without too big of a risk. Any guidance and recommendations is appreciated and thank you in advance. [link] [comments]  |
| Should I buy a condo/small house in Florida or rent a place in California? Posted: 04 May 2021 02:19 PM PDT Raw Income: 120k/year Expenses: 12k/year Money saved for a down payment: 40-50k Debt: $0 Potential places I'm looking at renting: 12-28k/year Potential house prices in Florida: 100k-275k Masters planned in October 2021 and PhD planned anytime from October 2021 to March 2023. I have a stable entry-level job as a data scientist and I am in the process of finishing my master's and my Ph.D. over the next 6 months-2 years. I work for a start-up but it is a publicly-traded start-up and I believe I could always get another remote job once I get my master's in October if it fails. I have a significant amount of work experience as well. I like my job as a data scientist and plan on working it for multiple years and I also plan on pay increases over the next couple of years. I also have friends who may rent out rooms from me if I buy a place. From a financial perspective does it make more sense to rent a place in California for 12k a year or buy a condo or small house if I only plan on living in it for 2-5 years? Also, I'm considering places in areas where they may be rentable for short vacation rentals. I'm also interested in learning about other fun places for young people to live on this budget. [link] [comments]  |
| Medical Bill Went to collections Posted: 04 May 2021 01:26 PM PDT I got a call the other week from a collections agency because apparently there was a bill that was sent but I never got because I moved right before it was sent, 1mo+ after my appointment. My ex GF who still lived there never told me about any mail I received at the old address. I called the provider and asked if I could pay them instead bc I've heard of that being done, but the lady I spoke to claimed they couldn't pull it back because they didn't recieve any indication I wasn't recieving the mail(I.e. no returned mail). Is this true? Do I have any other recourse for paying somebody besides the collections agency or am I SoL? They never made any attempt to call or email me about it in the 5 months before they sent it to collections so I am pretty frustrated even though its like a $35 bill. How big of an impact will this have on my credit score? Is it even worth trying to jump through any potential hoops to not pay collections(i.e. have this go on my credit report/affect my score)? [link] [comments]  |
| Posted: 04 May 2021 04:27 PM PDT I'm in the process of buying my first home. My loan officer told me that I qualify for 3.125% but I can buy mortgage points for $250 to get it down to an even 3% which would save me a couple thousand over the course of the loan. My question is is this a thing? I've never heard of buying a lower rate. I would basically be spending $250 to save $2000+/-. It would help me in the long run but wouldn't that cause the lending company to lose money? [link] [comments]  |
| Posted: 04 May 2021 05:48 PM PDT Haudi! I'm in the US and have no debt, good credit, and co-signers who are happy to refinance alongside me. I'm planning on financing at the dealership's rate to get the cash incentives and then refinancing immediately with a credit union or my insurance company to add gap insurance. I've gotten confirmation both can offer me more competitive interest rates than what I'm expecting for the dealership to offer me, but if I go through them initially, I lose out on the dealership incentives. I've done research on my plan and would appreciate any opinions. My concerns are harm to my credit due to refi'ing, but this harm is likely to be small. I've made sure refi'ing fees would not be an issue and that the life of the loan would not be extended. Does this sound like an advisable plan? Thank you! ♡ [link] [comments]  |
| Posted: 04 May 2021 02:02 PM PDT I don't need the money. Working post covid and enough for food and miscell. just want it to get as much as I can while it sits and I decide in a year or two what to do [link] [comments]  |
| Dealership sold me a non-existing car. Posted: 04 May 2021 07:51 PM PDT Title. I bought a new Chevy equinox put the down payment down and a loan for the rest. They let me drive a car in the meantime while they "cleaned" it for me and was supposed to be ready the next day. They called me today and said my car isn't there and doesn't exist? What are my options? [link] [comments]  |
| Stock trading in Traditional IRA Posted: 04 May 2021 12:07 PM PDT Wanted to know if it is possible to do the following: Let's say I have cleared funds in a Traditional IRA. I purchase 100 shares of a stock for $1.00 for a total cost of $100. The stock goes up to $2.00 a few days later and I decide to sell all my shares for a profit of $100. On the same day after I sell the stock it goes back down to $1.00. Would I be able to purchase the same stock again without any repercussions of selling as long as i wait for the original sale transaction to clear? Since it was a gain I don't need to worry about any wash sale rules correct? Can I do this over and over again as long as the money clears before any trades and would have no tax ramifications until retirement? [link] [comments]  |
| Are there any negatives to debit cards like the Cash App Cash Card? Posted: 04 May 2021 03:40 PM PDT Hey everyone, I turned 18 a couple of weeks ago and I was looking into getting a Cash App Cash Card because the boosts look very interesting. Are there any drawbacks to a card like this or other debit cards like the Robinhood Cash Management card? I can't really find any negatives from them when I do research online. [link] [comments]  |
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