Personal Finance Why are my gaming accounts more secure than my financial accounts? |
- Why are my gaming accounts more secure than my financial accounts?
- Hotel is trying to fraudulently charge us for days we weren’t staying there.
- Losing hundreds of $$$ because our solar company has been extremely slow to fix our solar inverter. Is there anything I can do?
- Is a 5% raise worth a managerial promotion? I'm thinking no, but unsure
- University forgot to bill me
- Quitting Job One Month In
- Single parent died, need advice in Investing unexpected lump sum
- Should we put home ownership out of our minds? (HCOL CA 31 y/o)
- Private student loan refinancing is easy
- College student, 18, having difficulty finding housing.
- Any have experience buying a beater car? How many miles to expect out of it... Max miles to get ect.. any input awesome. Also should I buy from a tow yard?
- How are Discover and Chase able to offer 5% back on certain categories if that exceeds their merchant fee?
- Im getting “sued” for “fraud” over a $500 couch from 5 years ago
- Recent promotion vs Outside Offer
- How much does income affect mortgage interest rate?
- Is the Buffet 90/10 allocation rule still valid?
- Refinance to get rid of PMI?
- Negotiating a first salary for a company youve interned at?
- Grandparents have gotten totally ripped off by a CPA for a full decade. Is there any recourse here?
- Owing money for an error seemingly done on bank’s end or just not understanding how credit cards work?
- Trying to find extra income but don't know how
- scholarshare 529 plan
- How long does it normally take for an employer to reclaim unvested 401k money?
- Saving for parent’s old age
| Why are my gaming accounts more secure than my financial accounts? Posted: 07 Sep 2021 05:35 AM PDT I am appalled (with two p's) that my financial accounts seem less secured by 2fa than my gaming accounts -- almost all of which use Google authenticator and some use backup "one time printout" codes. With the exception of Fidelity (note below) all of the 2fa is SMS based -- which is notoriously bad. (< $20 and you can hijack the SMS stream of a given number). Why is this? I am ready for a far more secure 2fa. Anyone know of any banks and brokerages that are doing this right? I cannot find one. The note about Fidelity: You can opt in to using a Verisign code generating 2fa -- which seems a huge improvement -- but last I checked (and it has been a while) password reset bypassed it. [link] [comments]  |
| Hotel is trying to fraudulently charge us for days we weren’t staying there. Posted: 07 Sep 2021 12:19 PM PDT My fiancée and myself stayed in Florida for work and decided to stay at an extended stay hotel for our time there, 3 months of contract work. Isn't wasn't a great experience but the price was alright. So here are the details and the dilemma we now find ourselves in. We initially booked the first month through the website using a credit card. The next 2 months the person at the front counter told us we could just do it through them. So we did. After checking out the same person at the front desk said we were good and didn't need anything. *We should have gotten a receipt showing our check out date. The same day we checked out we checked into a resort at Disney. About a month later later we noticed several charges on our card for random amounts ranging from 60 - 550 (about 5 different charges total). 550 is the weekly rate at this hotel. When trying to contact them about these charges they either wouldn't answer or would quickly get off the phone saying they would call us back and wouldn't. Of course we contacted the CC company and disputed the charges. The real issue is when they sent 'proof' of billing that obviously has my fiancée forged signature for these dates. We were both taken aback that a business would do this. The CC company also noted that on the paperwork they sent as proof it lists a roofing company associated with our stay when we are both nurses. My guess is when they were editing documents to forge ours they forgot to change the company assoc with the customer. What can I do to combat this issue. Can I press charges for false documentation or hire a lawyer? Any insight is greatly appreciated. Edit: There we're many charges some for around 80 and a few for 500+ and all were disputed. The hotel provided signed paperwork in their defense of one of the 500+ charges that is dated 2 days after we checked out and we're in another city. We are currently gathering paperwork and receipts that prove we were not in that city at the time the hotel states we were. Edit 2: we are currently living in Nevada but I'm willing to fly down to take care of this. The paperwork they sent the CC was sent to us via the CC company. In review the signature on the paperwork that is supposed to prove the charge it isn't even an carry over from another document it's entirely forged. This is wild to think someone would do. Edit 3: Spoke with the CC company and they said it it is not be handled by the fraud department and can take up to 90 days and we may not even hear from them until it's settled. Then they will go after the hotel for the funds. Thank you everyone who offered advice. I will be moving forward with a lot of the advice and putting together a file with all evidence incase it doesn't go smoothly. I'm usually super safe,VPN and all and even take my phone off speaker when dialing in sensitive info so the dial tones can be heard so to have this happen kinda shakes me. [link] [comments]  |
| Posted: 07 Sep 2021 09:05 AM PDT We got solar on our house a couple years ago and it's been spotty - it has gone out every 3-5 months and needs to be reset. We often don't notice it right away though so have gone weeks where we're paying the solar loan off as well as for regular power. The company who installed it has been extremely slow to fix it. They did finally get it replaced (after several rounds of just resetting it), but the new one didn't work at all. So now it's been at least two months. I called just now and the guy said they are short staffed and have a lot of customers with this problem (them blamed the lack of staff on the unemployment payments - which was annoying but I won't get into here). Is there anything I can do? Since they installed it they're doing the work for free, so that's nice but I'm losing hundreds while waiting for them. I've tried asking for them to somehow reimburse me for the expense but that hasn't gotten anywhere. At this point I'm not a paying customer to them anymore, so they don't seem to have a huge incentive to make me happy. Edit: Also I've given them the benefit of the doubt for just about everything so far. I'm sure they didn't intend for any of this to happen and they're in a shitty situation too. But I do want to know what my options are. [link] [comments]  |
| Is a 5% raise worth a managerial promotion? I'm thinking no, but unsure Posted: 07 Sep 2021 04:10 PM PDT I'm currently a technical lead making 58.5k/yr and I would say I'm over efficient in my job (that is I probably work an average of 30 hours a week compared to the traditional 40+). My company recently underwent some structural/process changes and is in need of someone to step up to be manager of the team (that I'm a lead in) because the current temp manager has way too much on his plate. It's not that I don't feel like I can't do the position but when I asked what the difference in comp would be, I was surprised to find out it's only an additional 5% (about 62k). I expressed how this was a lot less than what I was expecting and made my counter offer at 75k (which is more than I'd expect anyway, but I was okay negotiating to 70k-72k). Supervisor asked me why I felt I warranted that much and I laid out everything I've done, my value, comparisons to similar positions, how I nearly doubled my starting salary over 2.5 years, etc. He said that perhaps we could revisit in a couple months (specifically 4-5) to discuss a further raise. The thing is, that's when my annual is due anyway and I fear they'll just "combine" it and low ball me. I'd be managing a team of 9 people, half of whom are high maintenance. And even after optimizing for the role, I think I would be working a full 40+ for only 3k more a year. The thing is, I said I was 90% interested pending the salary increase and even after hearing it I said I'll have to think it over. But now I don't want to do it because it doesn't seem worth it for such a small increase but I don't know if what I am asking for is excessive either. As far as leverage goes, he's only gone to 2 people for this position and the other person turned it down immediately. I'm responsible for a majority of the process changes that has happened and understand the role inside and out but I'm not sure what the likelihood is for them to just get a different manager in the company and integrate them. Edit: This got a lot more traction than I anticipated. I think I am going to turn the position down, however I wanted to know how this could impact things moving forward. I essentially said I was pretty much interested and ready but needed to know the salary increase prior to making a decision and after hearing it I was bummed but said even though I 95% want it, I'd have to think it over. So how do I professionally go about declining something that I nearly accepted all due to salary? [link] [comments]  |
| Posted: 07 Sep 2021 04:46 AM PDT Hey /r/personalfinance I'm in a weird situation where I've paid half of my tuition fees but my university thinks I've paid everything in full. I called them yesterday and they insisted on me having paid the full amount (I haven't). The deadline for payment is approaching and there seems to be no issue with me registering for courses. I plan on not bringing it up again. I am able to pay it if and when they invoice me. Can I get into any legal trouble or anything similar? [link] [comments]  |
| Posted: 07 Sep 2021 09:41 AM PDT So I (22M) just started a job around one month ago and have received an offer from a different company that I plan to accept ( higher pay, industry im interested in, better benefits). I plan to draft a resignation letter tomorrow and bring it in to my boss. I'm nervous about questions he will ask and him trying to get me to stay. Does anyone have any advice? Do I tell him if he asks which company I'm headed to? What if he offers me a significant pay raise? Will this burn all bridges and connections at current job? [link] [comments]  |
| Single parent died, need advice in Investing unexpected lump sum Posted: 07 Sep 2021 02:05 PM PDT tldr; My mom passed away when I was young and left me money that was kept from me (non-maliciously) until now. I am from fin. illiterate household, slightly overwhelmed, and need help with identifying the best way to save or invest this lump sum of money. Just a quick summary of my situation - I am 23, freshly graduated and started a new job as a software engineer. I am meeting my 401k match and maxing a Roth IRA already. I have 6 months in my savings account for E fund. My extra savings each month I have been putting into a TD Ameritrade account and investing. I have been doing a ton of research on this sub / through the wiki and have a few questions as I am about to make a large financial decision. When I was 13 my mother passed away. I was an only child and she and my father were not married, so when her estate settled I was the beneficiary. That money was taken by my grandmother and used to cover basic expenses throughout my life, I never really knew about it. It was meant for school, but I got a full ride and so it never got spent, and now I am learning of all this and receiving a check for around 40k this week. I am very content with my life right now and don't plan to spend any of the money, but I am looking for advice in how to best invest this money as I would hate to manage it poorly. My planned use for this money is to jump start my savings for a down payment on a home. My questions are as follows:
I would really appreciate any input. I was not raised in a financially literate household and am worried I will mismanage this. I have gotten very good at saving / sticking to a budget and am proud of that but have not the slightest clue to do with such a sudden, large influx of money. Lastly, I do not intend this to come across as a boastful post in any way shape or form, I would much rather have my parent still around than this money, but this is what I am left with and would like your guys advice. [link] [comments]  |
| Should we put home ownership out of our minds? (HCOL CA 31 y/o) Posted: 07 Sep 2021 12:49 PM PDT I'm having the realization that even with good salaries ($230k combined), saving for a down payment may be a fool's errand for my wife and I based on our goals and expenses. Our emergency fund is squared away in a HYSA and we have saved an additional $50k with the vague intent of buying a home in the next 5 years. However, based on our current income/expenses we only have about $20k left each year to add to our down payment:
In 5 years, we will have saved $150k which is not even 15% of the going rate for a 3 bd 2 ba in our area. In the meantime, we'd have lost out on potential gains by keeping our savings in a .50% HYSA. I feel we are in an incredibly privileged position to have such high salaries and am grateful to have paid our student loan debts and can afford to have a child in a HCOL area… but still feel caught between worlds when it comes to buying a home. Is the best way for us to build wealth giving up on buying a home in the next 10 years and instead investing the extra savings in a taxable account (index fund)? Would appreciate this sub's insight. EDIT: Thanks all for the comments! You highlighted the trade offs that come with high spending in non-savings areas, and I have some thinking to do about that. If we decide that our current priorities are accurate and $20k per year is the appropriate amount, it still sounds like there is flexibility with putting down 5% on a starter home down the line and there's no need to invest that savings at this time. [link] [comments]  |
| Private student loan refinancing is easy Posted: 07 Sep 2021 01:46 PM PDT If you have private student loans, check in on a refinance. Unlike refinancing a house, there's no appraisal, no closing costs, nothing except verifying your income and loan amount. 2 years ago i refinanced from like 6% to a pretty nice 3.64%. I just refinanced again (started the process on Sunday, approved today) to 2.5%. Be warned though, I do not recommend generally to refinance your public (federal) loans unless you know exactly what you are doing. You'd lose federal lone forgiveness, forbearance, income based repayment, and probable other stuff. [link] [comments]  |
| College student, 18, having difficulty finding housing. Posted: 07 Sep 2021 11:06 AM PDT Moved into school a few weeks back, but the school didn't have the dorm complex complete and am now homeless along with a few hundred other students. By HOA we have to be out of a family friends home in 5 days, so will be homeless but attending class for that duration. Currently have more than enough cash to get a few months of rent for an apartment, but nothing's available till October and even then only by application. So far I've applied to everything under the sun, dorms, apartments, student housing, but have been ghosted on my applications. I have a few questions: What kind of questions should I ask during in houses or showings to make me seem like the best applicant possible? Kinda confused as well about the whole thing, still young and have no credit score so a lot of my applications are kind of barebones which might explain why I don't get responses at all. What are landlords looking for in a student? Any help would be appreciated. Websites, phone numbers, anything. If it helps at all I am attending Utah State University. Thanks gents. [link] [comments]  |
| Posted: 07 Sep 2021 07:17 PM PDT Need a beater and might also live in it few days a week to not have to commute so far. Need help how to find a beater car. If a tow yard is viable, and how much to spend minimum for a working car [link] [comments]  |
| Posted: 07 Sep 2021 12:21 PM PDT Are they losing money on 5% cash back and if so, why do they do it? How do the 5% categories get chosen? Does the credit card company get kickbacks or other benefits from those retailers? Why do the categories change every quarter? [link] [comments]  |
| Im getting “sued” for “fraud” over a $500 couch from 5 years ago Posted: 07 Sep 2021 12:32 PM PDT So about 5 years ago I was living with my ex and we got a couch and love seat from a local furniture store on a monthly payment plan, I paid until we broke up and she kept the couches and I assumed she continued paying on them. Well out of nowhere I'm getting calls from what I assume is a third party collector or agency saying I committed "fraud" and theft, she's been aggressive and trying to intimidate me, saying I'm getting sued and my wages could be garnished, etc, etc. I set up a payment plan about a month ago but I simply can't afford it due to being in the middle of a job search so now she's calling again with the whole suing shit. Is this serious? Its like $500 from 5 years ago for something I don't even have or know the whereabouts of. Im not getting a lawyer for such a low amount. I've never had something like this be pushed on me so aggressively, I've got a $2,000 medical bill and they're being cool about it. [link] [comments]  |
| Recent promotion vs Outside Offer Posted: 07 Sep 2021 03:27 PM PDT I (35m) am looking for advice on my job situation/negotiation tactics. I work in a very specialized engineering field with a company for the last 8 years, I just got a promotion (long overdue) from ~$103K & ~5% bonus to ~$120K & ~20% bonus. This literally just got finalized two weeks ago. I was actually a little disappointed and had proposed compensation in the ~$155K range, but signed the offer. Today I got a verbal offer from another organization for $137K. I had applied before the promotion, and was interested because the position was listed as $130K up to $190K. This job would require me to move across the country from a relatively low cost of living area to a high cost of living area. I don't particularly want to take the new job offer, especially since it is a pay cut for a good bonus year. But I do want to maximize my leverage in my existing position. I am tentatively planning to reject the verbal offer, telling them it is a pay cut. If they come back with a better offer I will take it to my current management for a counteroffer. I have never really tried to play the offer/counter offer game before and would appreciate any advice. [link] [comments]  |
| How much does income affect mortgage interest rate? Posted: 07 Sep 2021 06:25 PM PDT Obviously your income affects the dollar amount of a loan you qualify for, but does your income significantly affect the interest rate that lenders offer? I will be getting a 20% pay raise in about 6 months and I'm wondering if the increase would give me a better interest rate, if I wait until then. Note this would be a mortgage well below my means anyway, and I am confident I will qualify for the dollar amount of the loan regardless. Just want to get the best rate possible. [link] [comments]  |
| Is the Buffet 90/10 allocation rule still valid? Posted: 07 Sep 2021 06:56 AM PDT Im sure everyone has heard of the Warren Buffets portfolio allocation rule, where 90% of funds go to some low-cost (or no-cost) S&P500 based ETF/Index fund and the remaining into short-term bonds (10%). Is this rule still valid? Say, I have no active loans and max out my Roth IRA, plus 10ish-k towards my 401k (including an employer match), and have 3 months of expensive saved. Would it be beneficial to put 27k (S&P500 based ETF/Index fund) and another 3k towards bonds? Would active trading (long-term) really be anymore beneficial especially in consideration to time spent and relative more risk? [link] [comments]  |
| Posted: 07 Sep 2021 06:16 PM PDT Six months ago, I took out a 30-year mortgage @ 2.875% and it came with $200 PMI payment. Due to appreciation, I can refinance at the same rate without traditional closing costs, just need to come up with ~5K for escrow/prepaids. Getting rid of the PMI would result in 12K in savings through the first five years of the current loan, so it seems like a no-brainer, but I want to be sure I'm not missing anything with this approach? Thanks for any insight! [link] [comments]  |
| Negotiating a first salary for a company youve interned at? Posted: 07 Sep 2021 07:44 PM PDT I was an intern for most of college at a company and paid hourly. I just got an offer for full time employment once i graduate and am perfectly happy with the offer. Browsing this sub has me convinced i should still negotiate for salary even if it might be a little uncomfortable. I am in the (slow) process of interviewing with another company that would offer a higher salary but I dont know if I will get the offer in time to use it as leverage. Glassdoor etc has me convinced i could ask for 10-25% more but I am scared to push it? How do i tread lightly while asserting my worth? [link] [comments]  |
| Grandparents have gotten totally ripped off by a CPA for a full decade. Is there any recourse here? Posted: 07 Sep 2021 07:37 PM PDT My grandparents have unknowingly overpayed for tax preparation for the past decade. For reference, 2020 taxes came out to $10,000 in fees paid to the CPA and 2019 taxes came out to $17,000! He was charging over $400 for a single 1041 filing. They don't have a very special situation, just many accounts over many banks. I could've filed for them in a few hours using free tax prep software. Other than firing the CPA, is there any recourse? Is this grounds for a lawsuit? [link] [comments]  |
| Posted: 07 Sep 2021 05:38 PM PDT I have the gold credit card by 1st financial bank, which I received in July-August of this year. My limit is $250 and I've since paid it off two times (both early payments), the most recent time being 2-3 days ago. Today, I logged into my account and noticed that my balance had reset considering I had just paid it off the night before. Prior to purchasing theta I had purchased, I checked my account and it said I had $250 in available credit. I went shopping (spent $102), logged in again to check my new balance, which was $148. Later that day, I log in again to check my balance—still $148. I attempt to play a grocery delivery order online and it tells me my card didn't process. I try again; same error. Shortly after, I logged in again and noticed my available credit had suddenly dropped down to $0.00. I checked the app I had attempted to make an order through and it showed that my order didn't go through after all, thus it didn't withdrawal any of my money. I called the bank and asked why this was and they told me that when I paid it off, there was a ten day hold on my credit (not sure what this had to do with anything). She told me that I went $102 over my limit. This confused me considering just that morning, my account showed I had $250 to spend. I feel like all of the issues that resulted in this charge were entirely their fault: I was never notified that my account was on a 10 day hold. I was ever notified that there were issues confirming my checking account (especially considering my bank statements show both $250 payments having been made). Is this something I should appeal or were these errors entirely my fault? [link] [comments]  |
| Trying to find extra income but don't know how Posted: 07 Sep 2021 01:41 PM PDT I've been reading a lot of books on how to increase your wealth and one thing alot of them mention is that you should be earning money while you sleep not only when you work. So here is my problem, how can I start doing this? Id like to start with stocks but I just don't understand and i know the market is hot atm so don't want to just jump into that. Id like to start a business but (appidea) but i don't know how to start either with that. So how can I grow my wealth without including my salary? [link] [comments]  |
| Posted: 07 Sep 2021 06:49 PM PDT Hello, I am freshman in college and I have a question about the scholarshare 529 plan for California. I received a scholarship from Everfi and the "scholarship" is basically a giftcard where I have to withdraw the money from a 529 plan. I don't know what happened but some complications and scholarshare sent me a check with the money instead. However, my parents tried depositing it and it didn't work. I called scholarshare but they said I have to deposit it through my 529 plan which is weird since they sent me a check since the money couldn't go through my account or something. I tried contributing on the scholarshare website but there's no option. [link] [comments]  |
| How long does it normally take for an employer to reclaim unvested 401k money? Posted: 07 Sep 2021 06:30 PM PDT I left my last job about three weeks before my 401k vested. It was annoying, but I had to leave then to secure the new, much better position. I had about 10k in employer contributions that had not vested. I asked if they could make an exception because I was so close, and they said no. It is now four months later and all the money is still in my account. I haven't tried to transfer it anywhere yet, but it also hasn't been reclaimed by them. It's still growing interest. Is this…a normal time frame? Or is there a chance I'll get to keep it and they are just leaving it be. If I roll it over into a new 401k a few months from now, is there any way they'll come after me for it in the future? Thanks. [link] [comments]  |
| Posted: 07 Sep 2021 06:20 PM PDT Where is the best place to keep your money and save for when your parents need home care? [link] [comments]  |
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