Personal Finance Random person sent me $500 on Zelle two weeks ago. I was never contacted by the person since then, and the same person sent me $400 on Zelle today again. |
- Random person sent me $500 on Zelle two weeks ago. I was never contacted by the person since then, and the same person sent me $400 on Zelle today again.
- What should I be doing after a parents death?
- 17k Chase Wire Fraud - Denied claim even have evidence
- My baby is in the NICU, what other programs are there to help with money?
- I have just made life changing money on cryptocurrency having invested less than a few hundred this same fiscal year, what do I do?
- The Emergency Broadband Benefit Program
- Priced out of home buying now what?
- I'm tired of paying my mortgage. What are my options?
- Promotion with a pay cut
- Employer under cyberattack - can't get my W2 - no paper records.
- What happens if a bill goes to collections?
- Found a Old stock certificate,any help would be great!
- Banks with APIs?
- So many 401k's to roll over, with the possibility of new jobs on the horizon to boot
- Is there any benefit to me to "buy" house from my partner?
- Should I pay off student loans, or invest?
- Desperate for help. Spouse got into Australian med school as a U.S student and financial aid has been a nightmare!
- Selling home after living in it for 8 months
- 75k 18-wheeler accident debt in collections (21 y/o college student)
- Bond funds in 401K yielding Negative- 2021 ( YTD). Should I continue putting money on this to meet my balanced allocation ? should I rebalance to move money away from bonds
- Advice on Filing Chase Chargeback/Dispute from June 2020: Unresponsive Vendor Agreed to Refund and Didn't Follow Through
- How to get rid if big payment
- Tackling higher APR first versus smallest debt? No Brainer decision?
- Getting Married Before Closing on Home
- Should I Rent or Buy a home in these crazy times?
| Posted: 11 May 2021 01:09 PM PDT Hello, Two weeks ago a random person sent me $500 on Zelle. I was never contacted by anyone regarding this. I also did not contact my bank, as I read other posts saying just to leave it in the account and the bank will reverse it in the case of fraud. Flash forward two weeks to today, and the exact same person sends me $400 via Zelle. This has now made me come to think that the payments were not a mistake by the other person, such as a typo, and there is something more shady going on behind the scenes. Should I contact my bank now or just let it sit there? I will edit this post if I get contacted by a random number. Edit for additional info: The first payment was sent with the message: "Test." The second payment was sent with the message: "Tyfone Testing." Tyfone appears to be a a software digital bank based in Portland, Oregon. [link] [comments]  |
| What should I be doing after a parents death? Posted: 11 May 2021 04:24 AM PDT My father passed away yesterday and I'm arranging his funeral as well as getting his things in order. I think I'm okay on the funeral front but being a 21 year old student I don't know how to deal with all the rest. My father was quite secretive and I don't even know what assets he has. He used to live in southeast Asia and my step mother told me that he had a bank account in Thailand, a storage unit in the Phillipines as well as 'bond money'. What does that mean and what steps should I take to deal with those things? How do I make sure that we have everything in order? How do I know if I'm missing anything? Thank you for your help. Edit: I'm trying to tackle this now for peace of mind since our administrative system is quite slow and inefficient in France. Thank you all for your kind words. [link] [comments]  |
| 17k Chase Wire Fraud - Denied claim even have evidence Posted: 11 May 2021 05:29 AM PDT On March 31, 2021, 2pm I received a notification in my cellphone that I have a pending transaction in Western union App. As I check it there is a pending transfer and immediately I called western union using my cellphone and my cellphone cannot doesn't have an outgoing call. So, i used my employer's landline phone. And I check my other bank accounts chase and BMO, the BMO have a pending zelle transfer and Chase account is freezed. When I call chase, they told me that there is a wire transfer of two transactions of 8,500.00 dollars, total of 17,000.00 dollars. I told them it's unauthorized and that is not me. And they said I need to file a complaint or affidavit letter which they will provide. So the next day, April 1, 2021. I went to chase branch near in my place and file the "forgery packet" which they provide and sent it to them with the help of their local branch which confirmed they received it. And on April 3, 2021, I went to the Skokie Police department to file a police report and send the report to chase to their local branch thru fax on April 6 and April 14 to resend the "police report from Skokie Police department" and the form from FTC for the identity theft report and the form which I filed from IC3 online. I send the 3 supporting documents to them even they did not requested it. Since April 1, every day I am calling Chase claim department just to make follow up of the status of my claim. I am so desperate that I need the money back to my account because I have so many obligations like mortgage and recently my son is tested positive and that cause me and my wife to quarantined more than 2 weeks on April 1 -18. We are being depleted to our funds. And when I call chase last monday May 3, 2021 to follow up again and they said that I need to wait for 5 business days after the escalation of the status of my claim for the fraudulent wire transfer of 17,000.00. I just received the letter from chase denying my claim that I reported on March 31, 2021 and filed an affidavit or their forgery packet on April 01, 2021 and send the supporting documents on my claim. On their letter they said that I benefited from this fraud. That is not true. My account from them is been compromised as well my other bank accounts and online monetary site like paypal, coinbase, bmo harris and western union. All of them have refunded me and reversed all the fraudulent transaction happen on March 31. And last April 23, I received a mail letter from TMOBILE stating that my account from them have been compromised and unauthorized activity happen on that day, March 31. PLEASE HELP!! I AM DESPERATE TO RECOVER MY MONEY IN OUR BANK. ME AND MY WIFE IS WORKING IN THE HEALTHCARE AND THIS THINGS HAPPEN. CHASE DECISION IS WRONG! PLEASE HELP US! I need an advice.. first update\* I just arrived from Chase, I talked to one of lady in the private client room, the previous one is on a day-off. So I relate again to her the unfortunate instance. She said to me that it also happened to one her clients, the wire transfer thing, the good thing is she collaborate with chase to have a reversal of 2 transactions of 9k, total of 18k, but on the 2nd transaction, the client got only 7k+ because certain fees need to be done. She asked me politely and said the time I reported it through phone, "Why did they hold it and reverse it? She cannot understand why" And I said, That's what I told the lady on the phone just reverse it or hold it because i already reported it as unauthorize, but they keep insisting that they will conduct an investigation after receiving the forgery packet. Doesn't make sense right? I already file a complaint to CFPB, OCC, and BBB. I'll keep you posted. Thank you guys! Appreciate a lot! second update*\* I just finished talking to Chase Claim department, She said the claim is denied because the transaction happened in my S9+ device. And the number of my Samsung shows that i'm the one who did the transaction at around 1pm+. Now I'm confuse! She is asking me if I will counter the claim I need to show some evident that is not me. I have a letter from T-mobile stating that my account from them or my cellnum was change by a third party at 10:06 AM on March 31. I'm so confuse third update*** (after talking to Chase claims dept and check the log details) Contrary of what she is saying that I used my device for this fraud wire transaction based on time and date. [link] [comments]  |
| My baby is in the NICU, what other programs are there to help with money? Posted: 11 May 2021 01:36 PM PDT My baby was born at 27 weeks due to me having SEVERE pre eclampsia. So far I've applied for WIC, social security for baby, and I'm in the process of filling out SNAP. I'm staying at the Ronald McDonald house while he's in the NICU, and there's lots of helpful charities out there giving us stuff. I'm currently not working. I'm taking a month off to recover a bit more, organize my life a bit, and get into a routine. I dont qualify for FMLA or unemployment benefits through work. Is there anything else I can do for money so I can spend as much time as possible with my baby while he's in the NICU? [link] [comments]  |
| Posted: 11 May 2021 02:07 PM PDT Hi, I'm 21, I don't have a lot to my name, I live with my mom, and we're not really rich or anything. I invested into a few tokens with some small savings I had (less than 4* digits), and I somehow got very lucky and got 300 thousand dollars out of it. I know it's very risky so I'm withdrawing it all, and I want to buy a house and improve my life. I'm having trouble finding an accountant or figuring out how to manage dealing with this amount of money or paying my taxes on this, how should I go about this? [link] [comments]  |
| The Emergency Broadband Benefit Program Posted: 11 May 2021 12:24 PM PDT As part of the Rescue Act, tomorrow, May 12 2021, the Emergency Benefit Program opens for applications. This is a $50 credit ($75 on tribal lands) towards your monthly broadband bill if your service provider is participating as well as a $100 one time discount for a laptop, tablet or desktop computer. There are income limits (which admittedly are fairly generous) and/or other criteria (such as getting SNAP, getting free lunches, etc) but you will have to provide documentation. And there are detailed instructions for what they consider a household for purposes of getting the benefit. IMPORTANT TO NOTE - this is a temporary program. It will run until 6 months after DHHS declares an end to the Covid health emergency or when it runs out of money, which ever comes first. (Which personally I'm betting is the running out of money). The FCC's page is here. That is particularly useful to see if your broadband provider is participating, but to answer the obvious question, most of the big guys are participating. If you are already a Lifeline customer, you do NOT have to apply again but may have contact your provider. If you are already getting Covid or low income relief outside of that program, you might have to contact your provider who may already have permission from the FCC to swap you over, but then again, they may not. YMMV there. The next most obvious question is "if I have a bundle with TV, does that qualify?" The answer is yes, although the provider has to apply it to the broadband portion of the account, no more - so if your bundle is for $120, and $45 of that is internet - then that's what you get, $45. (and that is pretty much my FIOS bill in case anyone is wondering where I pulled that from - I'm grandfathered in pretty heavily, so YMMV). And that page will lead you to the program's main site here. That's where you will apply starting tomorrow, upload documents, etc. Be prepared, they ARE asking for documentation. [link] [comments]  |
| Priced out of home buying now what? Posted: 11 May 2021 04:05 PM PDT My husband and I have spent the last 5 years paying off debt and saving to hopefully purchase a house but the price jumps in the last year have pretty much priced us out. What should we do with our money now that homeownership is off the table for the foreseeable future? Relevant details: Combined income - $80k Cash savings - $85k ($65k inherited $20k saved) 7% of income goes to Roth IRA Zero debt No kids (and no plans for them) The area where we live used to have homes in the $300-325k range but now anything that's not a tear down is basically $500k. We have aging parents and other family in the area and will be staying here for the foreseeable future. We are relatively new to getting our financial shit together and still learning the ropes so any help or insight greatly appreciated! [link] [comments]  |
| I'm tired of paying my mortgage. What are my options? Posted: 10 May 2021 03:02 PM PDT I bought a home two years at the age of 24(yay). Unfortunately I stretched my credit to the limit to afford it and have been struggling to keep above water ever since. My mortgage is 1,700 a month, which is more than I can afford without extreme budget management(I know, not smart). The last two years I've always had multiple renters offsetting my costs by renting rooms but with the pandemic I've lost much of that income by letting my parents occupy rooms for free and by having renters lose income from the pandemic. I am routinely working 20 to 30 hours of overtime at my job to keep above water and I'm tired of it. I want a much better work life balance, so I need to change the situation. I'm a new homeowner though and I'm not sure what my options are. I don't know if I should look to sell, move out myself and my parents to get more renters, or if I should just refinance. I would appreciate any advice. Edit to address common questions: My parents don't pay rent because they have been severely affected by the pandemic. They do contribute in buying groceries, taking out the trash, mowing the lawn, dog watching, etc. but while this is appreciated it does not equate to the income that a renter would bring. I am not going to defend the decision to house my parents in the middle of a pandemic, if you can't understand that decision, no words I say could make you understand. Yes I understand that kicking my parents out is the simplist solution, no I'm probably not going to do that. [link] [comments]  |
| Posted: 11 May 2021 06:44 PM PDT Hello, I work for a mobile game company that is traded publicly. I have been a part of the company since Q3 of 2020 as a contractor in their payments team and have recently been offered a full-time position within their revenue organization. They have offered me a lower hourly rate despite having more responsibilities. Their offers included a part of a equity package (which I have taken) in fear of retaliation as our company contracts many employees and maintains a fairly high turnover due to the practice of employing contractors. Backstory, I interviewed for the open FTE position within their revenue department back in early April and I was offered this week with a lower pay rate of 18$ an hour with (under 5K)equity package. I make $24an hour as an contractor. That being said, I have accrued 40 hours of PTO as a contractor and supposedly will be paid out within the upcoming weeks. I have taken the offer due to the fear of retaliation/rescinding the highly sought out FTE position as well as the company's reputation of terminating contract employees. The job is very stressful for the pay and I am very stressed and unhappy already on day 1. Should I resign or be terminated for poor performance? [link] [comments]  |
| Employer under cyberattack - can't get my W2 - no paper records. Posted: 11 May 2021 05:19 PM PDT I need to file income taxes and my employer can't access my W2 due to cyber attack. They don't keep any paper records either. Payroll tells me they can;t give me anything. I've tried to call the IRS but I just get a maze of automated recordings that have nothing to do with my problem. I've also tried to get my W2 from the IRS online system but it appears the IRS doesn't have anything for 2020. I filed for extension. Am I going to be fined? What now? [link] [comments]  |
| What happens if a bill goes to collections? Posted: 11 May 2021 02:53 PM PDT What happens if a bill goes to collections. I have a medical bill I can't pay. [link] [comments]  |
| Found a Old stock certificate,any help would be great! Posted: 11 May 2021 03:47 PM PDT Hello everyone! A great aunt of mine had passed away about 20 years ago. All of her paperwork was stored in boxes and put in storage by my grandmother. With her passing some years ago we just moved the boxes of paperwork over to storage. Sometime ago while going throug these boxes we came across an old certificate from a company called BMI Capital based out of Canada. Its not much but like 20 shares. I tried looking them up and havent found anything. Perhaps someone may have heard of them? Is there anyway i can post a picture on here so you can see exactly what it looks like? [link] [comments]  |
| Posted: 11 May 2021 05:36 PM PDT long time lurker, first time poster. Does anyone know of any banks that have an API for customers? I organized my finances with the envelope system using Simple's "goals" feature but they ceased operations on the 8th. I'd like to code up my own envelope system with my money to keep up on my goals. Second, Huge ups to the community. I read every day and the stories and advice i hear have keeps me on track and I'm happy to say in 2021 I have paid off ALL my debt, am making 2x payments on my car and will have it paid of by the end of the year while STILL managing to save 15% off the top of every check. It's not easy but it's F*cking satisfying and I've been able to accomplish small goals like buy myself a motorcycle (great for my social life!) and pay for IT certifications to advance my career. r/personalfinance, if you're grinding through your debt let me assure you the grass is the most soothing shade of green once you on the other side. Keep it up! /rant. [link] [comments]  |
| So many 401k's to roll over, with the possibility of new jobs on the horizon to boot Posted: 11 May 2021 05:31 PM PDT Hi pals, My husband and I have a total of 3 different 401k's from previous jobs that we need to be smart with. We are looking into index funds or maybe an IRA account. Our goal is to save for retirement. We have a house with a mortgage but are otherwise debt free. Can an index fund be part of an IRA? Can we open a joint IRA and each contribute to it? Can we open a joint index fund and both contribute into it? Is there a limit to how much you can contribute to either of these types of accounts? We both may be getting new jobs in the next 6 months to a year (maybe). With all our job changing, is it a smart move to NOT contribute to company offered 401k's until we feel super secure in the new roles? I always thought the rule is to contribute no matter what bc that employer match is free money, but now that I have these funds to deal with and roll over somewhere new, I'm not so sure. Any advice would be greatly appreciated! We understand logistically how to rollover our 401k funds (we got the forms needed). Otherwise, we don't know what we're doing. :) [link] [comments]  |
| Is there any benefit to me to "buy" house from my partner? Posted: 11 May 2021 04:18 PM PDT Background: My partner and I have been together for more than 11 years. We're in our early 40s and aren't concerned about getting married. He is self-employed and I recently got an office job making $75k/year. His self-employed business does well enough and he essentially breaks even after bills and expenses with enough expendable income. He owns the commercial building that he runs his business out of and rents two spaces out of it for other people's businesses. He also owns two residential homes, that are next to each other, we live in one of them and the other one is being rehabbed so no renters in there. For all three things he owns, he still owes on all of them. With the house we live in now, he has a ~5% interest rate on the loan. Since mortgage rates are super low right now, he would ideally refinance but he's unable to because he has to figure out his tax filing for previous years (I don't know the ins and outs of this). I've never owned a home but I have savings (~$50k) and this new job so I was recently pre-qualified for $475k to buy a home. (This entire time I have been paying my share of rent/bills at slightly below market rate comparable to apartments/roommates situations in my city. Due to past experiences, not with this partner, I am somewhat reluctant to buy anything and be tied down to a hone with my present partner because I wanted to be able to pick up and leave anytime.) Since I'm pre-qualified at a good rate ~2.5% (I can't remember the exact #), he suggested that I "buy" the house from him to take advantage of this rate. My pre-qualfied amount more than covers the price of the house. We would draw up an agreement where his name would be put back on the title after I "buy" it (and I might remain on the title) and we would have an agreement where he'd pay me the difference in interest. He says he'd rather I receive that 2.5% rather than the bank. I know that agreement-wise, he would stick to his word. I'm not at all concerned about a situation where he'd stick me with a mortgage and leave or anything—so I'm not asking for advice about that. What I'd like to know is how it would affect me if I were to want to buy a home of my own down the line if I already have a mortgage out on this house. Like if I continued to have the job that I have now with a steady salary, am able to secure money for a down payment (either from my own savings or family help), does having a mortgage out on one property negatively hinder my chances of getting a loan for a future place? Does it help at all? Are there any benefits for me to "buy" this house in terms of future home buying? [link] [comments]  |
| Should I pay off student loans, or invest? Posted: 11 May 2021 06:26 PM PDT TL;DR Should I pay off $30,000 in student loans or allocate that money elsewhere? Background: My wife & I saved pretty aggressively in order to buy a house and saved for a 20% down payment. Fortunately for us, interest rates were so low that putting down 10% made more sense than 20%, leaving us with enough "extra" money saved to knock out my student loans (6% interest, 5+ years left, $750/mo) More details:
TL;DR Should I pay off $30,000 in student loans or allocate that money elsewhere? [link] [comments]  |
| Posted: 11 May 2021 04:13 PM PDT I need help! Husband got into medical school in Australia in 2020 but we are having a nightmare of a time trying to get financial aid. We are U.S citizens. Here's the catch, this particular school doesn't take Federal loans. It wouldn't be enough anyway at only 20k U.S.D a year and school is 30k a year. The only lender is Sallie Mae who requires U.S citizen to co-sign. I co-signed it because my credit score is 825/850 so it's pretty damn good but I only make 40k. His was credit score was 690 and had been employed with current job for 5 months with 65k earnings with solid work history. The loan was denied for 75k which is a year of medical school and 15k to move internationally and cover 6 months of expenses so we can get settled. We don't have collateral like a house. At the time, I had 25k in IRA and 6k in savings (I hold our savings because I'm better with money). No CD accounts and only had been employed with current job for 4 months but solid job history. Since he doesn't have anyone in his family without overextended credit/bad credit, he had to defer medical school for a year because we couldn't get loan. Nearly a year later, I have 30k saved and 27k in IRA, low debt to income ratio, 14 months at current job. His credit score is now 770 with 15 months of 65k job. I even added him to my credit cards to boost credit history to out to more 10 years. Is there anything else we can do to get approved this time that we haven't done so he can start school in January 2022? Do we have any other options? [link] [comments]  |
| Selling home after living in it for 8 months Posted: 11 May 2021 01:52 PM PDT So originally bought a property to live in and to justify the high mortgage $2000 plus utilities I was going to rent two of the rooms out for $600 each to offset the cost. Fast forward 8 months and it's been a nightmare finding good reliable tenants.I'm done with doing the landlord thing and want to live alone. I was lucky and had some family rent from me and got $800 a month for the last few months. They are leaving at the end of the month and starting in June I will be paying $2300 after Internet and utilities a month. This is a lot on a 70K a year salary. I also have a car payment, credit card bills and student loans that all equal about $800 a month. Home prices have been soaring in my area. I paid 330K for the home and it's now worth around 390-410K based on area comparisons. I know capital gains tax would eat up a good chunk of the profits but from my calculation I should net between 20-25K after fees and taxes. Is this stupid to sell now or should I Iive on beans and rice the next year and a half and then sell the home to get into something more manageable and avoid the capital gains taxes. Thanks in advance! [link] [comments]  |
| 75k 18-wheeler accident debt in collections (21 y/o college student) Posted: 11 May 2021 08:26 AM PDT About a year ago, I was nominally involved in an accident in which a tractor-trailer flipped. My car was unaffected and I really don't feel personally responsible for the accident even though I was found at fault. Unfortunately, having never been in a car accident, I didn't realize the implications of admitting fault in the moment. Anyway, the insurance companies found me at fault vs. the truck company's driver, and my insurance covered the first 50k. My company called me several months back to inform me of this, and I've since received but never replied to some communications from the other insurance company. My parents felt that the best move was just to ignore the calls/emails because they think it's unlikely that the company would sue. It has now been in collections for some time, and I just now realized the unknown callers I've been ignoring have actually been from the collections agency (I have not spoken to them, but I called back and was greeted by the automated system.) All that said, I feel stuck. I don't know how to deal with the collections agency, so I've avoided contacting them. My credit reports are unaffected at this point, but I'm unsure how long that will be the case. Obviously I have 0 ability to pay $75k, but I've been scared to talk to either the insurance company or collections about my options. Any thoughts are much appreciated. [link] [comments]  |
| Posted: 11 May 2021 06:05 PM PDT Currently my 401K has ~ 20% in bond funds such as: Black Rock US Debt (DEBTM), vanguard short term index( VBITX) and Vanguard Inflation protected securities ( VIPIX) all of them yielding negative. I know that this is in line with a balance portfolio, but can someone explain to me in simple words why makes sense to put money in securities with negative yields. I know inflation is going to be high bu what is the logic behind ? Assuming ~ 20 years more to retirement I appreciate your feedback and input. I want to understand the bond market in this unusual times [link] [comments]  |
| Posted: 11 May 2021 06:59 PM PDT I'm looking for advice on 1) if this is possible; 2) if it is, how to proceed. My fiance and I have had a really difficult time wedding planning due to the pandemic, and long story short, our wedding planner completely fell through on us. We paid her the initial installment/deposit in June of 2020. Fast forward to November 2020, she was completely ignoring us and nothing was planned. By February 2021, she would not return our emails or texts after multiple attempts to contact her. We sent one final email at that time laying out how her "services" did not meet the standards of our contract, requesting an itemized breakdown of how her time was billed toward our deposit, and that we would consider our contract terminated by her if we didn't hear back. She sent a prompt reply agreeing to refund us half of our initial payment and terminate the contract. It's May and we've received no refund. We sent her an email inquiring about it, but it's been over a week with no response. At this point, I don't think a response from her is likely. I have never filed a dispute with my credit card company before and am unfamiliar with how this works or if it's even possible. I paid the deposit using my Chase Sapphire Reserve specifically, if that helps. Any advice for recouping any of our money would be very appreciated at this point. [link] [comments]  |
| Posted: 11 May 2021 05:20 PM PDT So 2 years ago i bought my 2017 ford Raptor (3 months before i had barely gotten a house i know im an idiot lol) and i was making good money and was paying off both with ease. Then the pandemic hit and i was struggling to pay both and losing my job and getting it back and being on unemploymet i dont want to pay for the truck anymore. As i dont save up any money and am making it barely . So last weekend a guy said he would buy it cash from me hes offering 10k less than what i still owe on it . If i convince him to give me the other 10 is there any repercussions in selling it and paying off the loan or what would happen if i sell it? What happens to the interest? Or if any one has any other options on how to get rid of a big payment? Please help [link] [comments]  |
| Tackling higher APR first versus smallest debt? No Brainer decision? Posted: 11 May 2021 02:13 PM PDT So since I last posted about my finance woes I have done a lot to make a major difference. I am now down to owing $23,500 on a loan that was for debt consolidation and one additional credit card loan that is $9,900. This was a credit card with Discover that after discussing with them, they offered to close my account and change this into a loan to pay off . The Debt Cosolidation is a 11.98% APR and will be paid in full on 1/2024. Total balance is $23,500. The Discover Loan is $0.05 APR and is $9900 and will be paid off in two years. I currently have an additional $8000 saved up to pay down one of these so I can either save a little more and pay this Discover Loan in full and be done with it. Or pay the entire $8000 towards the larger loan and each month focus on paying that down further since that APR is a killer and I keep throwing money away each month. Any feedback is appreciated! [link] [comments]  |
| Getting Married Before Closing on Home Posted: 11 May 2021 03:01 PM PDT Our offer was accepted on a home a few weeks ago. We're waiting on the appraisal. The home was a hell of a deal. Unfortunately we couldn't get the closing date before the wedding. It is 7 days later. I was very upfront and made sure my lender was aware of this and asked what issues this could cause. He said "it would not be an issue as we are only using you on the mortgage and she will be on the title, just make sure you don't change your names between marriage and closing" However, after doing some research, once we get married (again, 7 days before closing), her debt will now be mine, so would that not need to be part of the loan? I noticed he marked me as married on the application, but the financials on it are only mine. I am new to home buying, something just feels odd. [link] [comments]  |
| Should I Rent or Buy a home in these crazy times? Posted: 11 May 2021 02:44 PM PDT I have been trying to find a new job for the past year and finally accepted a job a couple months back. It's a promotion within my organization that's requiring me to move to a new state, but they are taking their sweet time even getting me a start date. I am worried because when I applied for the job houses weren't as plentiful as they are now, but they were cheaper and I had alot of buying power for what I make. With the housing boom all of a sudden that power is gone, and although I have good finances, I cant compete with the people who are putting in offers above asking which are already over appraisals as I am a first time home buyer and already am going to be strapped with a pmi. I plan to be in this area a long time and possibly even start a family, but I feel like all the work I have put in over the past 4 years of scrimping and saving has been for not. Is it even worth buying now? I just feel like everything I have worked for has just ripped away from me. [link] [comments]  |
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