Personal Finance I subscribed to a paid porn website. please don’t judge me i was very lonely and down. i can’t find where to cancel it, it’s called lubed.com |
- I subscribed to a paid porn website. please don’t judge me i was very lonely and down. i can’t find where to cancel it, it’s called lubed.com
- My bank says I am deceased - What can I do?
- loss of a loved one without will/ no funeral arrangements
- YNAB is Costly and Mint gives your data away.. Any alternatives that allow me to upload transactions (don't need sync), and auto categorize my transactions?
- Am I crazy for considering moving to NYC, despite my income being under $50k net?
- How am I sitting in retirement?
- Someone is attempting to use my deceased father's SSN to open accounts in my name...
- Roth IRA investment
- Financial Advice for a Young Private
- Grew up poor, learned to be frugal, then accumulated some savings during the last 10 years of my career. Not sure how to make my money make money for me.
- US savings bonds with 7.12% interest. What’s the catch?
- Paying off credit card debit in a country I no longer live in?
- I just learned I won't be able to contribute to Roth IRA in 2022. Any suggestions on how to handle retirement/taxes at this bracket?
- If I sell 50k in stocks, does that 50k get added to my annual income? (Taxes)
- Inherited property that has a mortgage. How much will it cost to buy it outright?
- $200 Bonus Cash for Opening Credit Card with $1,000 Spending in the First 90 Days - any drawbacks?
- Beneficiary confused over late father’s 401k funds.
- My Mortgage Servicer is triggering irrational late fees and not responding. How do I get out of a bad mortgage company?
- Can buying gift cards activate 5% cashback and sign up bonus on the Citi Custom Card?
- Spending without remorse
- Taking out a private student loan for two years worth of university. Help with thoughts!
- Looking for features in joint checking
- 60 year old Dad and Mom have no retirement and their health is declining.
| Posted: 20 Nov 2021 08:24 PM PST i paid using paypal but after realizing my mistake i took my card off my paypal account but i don't know if that's enough to not get charged. if anyone is familiar with this please help me. also wondering if they can still charge me if i took my card off my paypal account [link] [comments] |
| My bank says I am deceased - What can I do? Posted: 20 Nov 2021 05:05 PM PST The other day I went to make a payment on my Wells Fargo credit card. When I logged into my online banking my credit card did not appear. I immediately called WF wondering why my CC wasn't showing up in my online banking. After verifying my identity I was told that my CC was currently restricted because I was reported deceased on November 14th. I was then put in contact with some deceased estate customer rep person who was a little confused as to how I was calling when it was showing on there end that I was deceased. My rewards from Wells Fargo (from the CC) have been sent and issued to my dad. My dad called asking what this was about and they (WF) explained to him my current debts - which he is not happy with me about. Is it legal for my bank (Wells Fargo) to be giving information about my financials to someone else? WF will not tell me who or what agency reported me as dead? Are they able to withhold this information? Is it possible this is a form of fraud? I am not sure what I should do in this situation. [link] [comments] |
| loss of a loved one without will/ no funeral arrangements Posted: 21 Nov 2021 06:13 AM PST edit* thank you guys for all the advice you have given, I talked with my mom who said basically what you've all stated. I hope he is at peace and my sister, mother and I can navigate all this. I wish everyone a good Thanksgiving and holidays [link] [comments] |
| Posted: 20 Nov 2021 12:52 PM PST There are some alternatives like GoodBudget and EveryDollar. I just need the ability to upload a spreadsheet i download from my bank every month, and upload it into the app and have it auto categorize the transactions and help me budget. Simple needs. [link] [comments] |
| Am I crazy for considering moving to NYC, despite my income being under $50k net? Posted: 20 Nov 2021 04:31 PM PST I have a fully remote IT job making $62k per year ($46k net), and currently reside in Charlotte, NC. I have about $10k saved up, and want to move to a new city to start a new life. Currently, New York City is hot on my radar. I don't have any family or friends in the area, I just want to start a new life before I turn 30. Am I crazy for considering this? Or should I just go for it? [link] [comments] |
| How am I sitting in retirement? Posted: 21 Nov 2021 07:35 AM PST I am 53 and as of about a year ago I had zero saved for retirement, I am a school teacher so would like to retire from that within 10 years.. I have a teachers pension from Illinois that will earn me around $1000 a month, now teaching in Tennessee and if I teach 10 years here at my current job, will get me about $500 a month.. due to the windfall provision my Social Security should be around $1100 per month.. Also I have 80 acres of quality farmland in a trust that will give me about $18K a year once property taxes are paid.. Within the last year I have become more active in saving for retirement.. Maxed out by Roth in 2021 so about $7K there and currently putting 20% into my Roth and the state adds 5%, so thats about $14K a year going in there.. Not sure If I can afford putting 20% into the 401K and $583 a month into my Roth, but going to try.. I do not own a house, live with my GF and the house is in her name.. Post retirement I plan to keeping umpiring slow pitch softball if my body says thats ok, at current rate doing it 3 nights a week, thats about $1000 a month.. Overall, any thoughts on where I am at currently 10 years from retirement??? [link] [comments] |
| Someone is attempting to use my deceased father's SSN to open accounts in my name... Posted: 20 Nov 2021 02:04 PM PST My father and I share the same name (I have a suffix). A few months ago I received a letter from FAFSA indicating that an application for college aid was denied for missing information (which I obviously didn't request, I'm long done with college). Today I got a letter from Citibank saying they could not open an account. In both cases I was able to verify they are using my name and address, and my fathers personal details (SSN and State ID number). So my question is:
Edit: I'm a little concerned for my mother who is collecting his Social Security. [link] [comments] |
| Posted: 20 Nov 2021 07:44 PM PST 18 years old and investing into my Roth. I am in FZROX but believe I need to diversify or invest in more or something else. I have heard great things about VTI. As young as I am what would be a good split of investments? [link] [comments] |
| Financial Advice for a Young Private Posted: 21 Nov 2021 08:37 AM PST I'm currently 20 yrs old in AIT at Fort Sam Houston and I since you can say I now have a somewhat stable source of income, I decided I needed advice on how to invest it wisely. [link] [comments] |
| Posted: 20 Nov 2021 10:47 AM PST Title. Hoping this is the right place for advice. This is what I'm working with, but I would love to be smarter about my checking / savings. USA // 32 Checking: $15k Savings: $70k Stocks/crypto: $60k Mutual Funds: $20k Equity/RSU: $80k 401k: $45k (I know) Income: $120k annually Debt free Thank you! [link] [comments] |
| US savings bonds with 7.12% interest. What’s the catch? Posted: 20 Nov 2021 11:24 AM PST I tried to read and re-read PF wiki. Have nearly 45k in cash equivalents (lousy savings account) with near zero interest. inflation is robbing me every minute of every hour of every day. [link] [comments] |
| Paying off credit card debit in a country I no longer live in? Posted: 21 Nov 2021 02:06 AM PST I used to live in Canada had a local bank account and credit card there. When my visa ended I left the country, closed my checking account but forgot to cancel he MasterCard cc. I recently noticed emails from the bank saying I was overdrawn, caused by a $120 annual subscription auto renewing. A small amount of interest is now being added to this each month. I have 0 links to Canada now, how worried about paying off the money should I be? I don't even know how to transfer money to the account from abroad. [link] [comments] |
| Posted: 21 Nov 2021 05:38 AM PST Background: Married filing jointly. Household income of about $160k ($105k me, $55k spouse). We both have 401k (maxed), and Roth IRAs (maxed). I will soon be taking on a second job that pays $150k, bringing household income to $310k. As a result of the new higher income, I have done the following:
Do the above sound correct? Is there anything else I should be aware of or do? Since we can't use Roth IRA anymore, should I contribute to a traditional IRA instead? I'm generally good with money, but this much income is totally new to me. I don't want to be hit with any tax surprises/penalties in 2022. [link] [comments] |
| If I sell 50k in stocks, does that 50k get added to my annual income? (Taxes) Posted: 21 Nov 2021 09:12 AM PST Hey guys, I am planning my taxes (joy). This with drawl is actually 50k, the long term capitol gains are low, I will owe 5k on the capitol gains. My question is does this 50k get added to my annual income? If I made 60k does 2021 now show I made 110k? Thank guys! My accountant is away for the Holiday and this is a bit of brain worm and my web searches are only really showing me info on capitol gains. [link] [comments] |
| Inherited property that has a mortgage. How much will it cost to buy it outright? Posted: 21 Nov 2021 04:09 AM PST My father passed away 3 weeks ago and had a trust setup for me and my 2 siblings to split everything. I am trying to figure out the math on what I would need to pay to own our family cabin that has a mortgage on it. I will use nice numbers to try and make it easier. The cabin is worth $60,000 and has a $30,000 mortgage on it. We each own a 3rd of it. The math that made sense to me is the following: House value - mortgage (60000 - 30000 = 30000). This represents the equity. Divide that by 3 for our share (30000 / 3 = 10000). I want there two shares so the individual value * 2 (10000*2 = 20000) Add the mortgage balance back on (30000 + 20000 = 50000). I would need a 50000 loan to buy the cabin. Is this correct or am I missing something? [link] [comments] |
| $200 Bonus Cash for Opening Credit Card with $1,000 Spending in the First 90 Days - any drawbacks? Posted: 21 Nov 2021 06:52 AM PST In the last year I've opened up 4 credit cards to get this commonly offered reward - so, $800 dollars cash back in addition to the standard and ongoing 1-2% cash back. I pay my credit cards in full each month. Any drawbacks to continuing to do this? Too many open accounts? My credit scores are all well above 800. There seem to be no end to the # of cards offering this benefit. [link] [comments] |
| Beneficiary confused over late father’s 401k funds. Posted: 20 Nov 2021 11:36 AM PST My father recently passed away and I learned that I was a beneficiary on his 401k. My father's wife (they recently married 3 years ago) was the one handling the interactions with the HR department at my father's place of work. She originally said there was only about 50k in his 401k, then once she learned I was also a beneficiary, she gave me paperwork to sign and told me that I was only getting about 20%, which would be roughly 10k. I recently received a check in the mail for 100k from the death distribution of my father's 401k and started wondering if it was a mistake and if they sent the wrong amount of funds to me. I called my step mother a couple of days ago and told her the situation, and she said I wasn't supposed to receive a check because she asked the HR person to send all of the money to her so that she could write a personal check out to me for the amount I was supposed to get (10k). When I heard this, it raised a few red flags and I asked why she requested that at all when it would have been easier for a check with my designated share to get directly mailed to me instead. She didn't have an answer. I'm thinking the HR department made a mistake, or my father's wife has been lying to me about how much cash was available in his 401k to begin with. What should I do now? Should I contact the HR department at my father's place of work? Im hoping it's simply just a mistake, and for this reason I have not cashed the check yet. UPDATE I just tried calling HR and it went to voicemail. I'm guessing they're not in the office during the weekend. I left a message with my contact info. Hopefully I will get a call back early Monday. Thank you to everyone who responded. [link] [comments] |
| Posted: 20 Nov 2021 01:56 PM PST My mortgage was transferred 11/1/2021 from the original servicer where I made my October payment on 10/25. At the time of the transfer notice (end of October), I tried to use the account number given to me in the notice but didn't allow me to register or acccess my loan so I figured it will happen on 11/1. Today, I received a notification that 1) Congratulations I have an account, 2) Am already late for a payment due 11/1/2021 (the date it was transferred), 3) Now owe 2(?) Payments by Dec 1 4) Have late fees coming. No one picks up the phone or answers messages but somehow it seems to be a snowball cluster of ways to screw me out of my house. I was wondering who is the governing body that monitors this kind of predatory behavior? Also, how can I prevent this in the future short of refinancing again? [link] [comments] |
| Can buying gift cards activate 5% cashback and sign up bonus on the Citi Custom Card? Posted: 21 Nov 2021 08:14 AM PST Hi ok so does it? I got Citi Custom Card with a sign up bonus of $300 after spending $1000. I want to just buy $500 Chipotle GC this month and $500 Chipotle GC next month at my local Chipotle restaurant. This trick worked for Discover It and Chase Freedom Flex. Will it work for Citi Custom Card also? I think it will but I want to make sure that I will get $300 + $25 + $25 in cash back . [link] [comments] |
| Posted: 21 Nov 2021 07:53 AM PST Hello all, I grew up cheap, everything revolved around saving money and not spending it. Needless to say this mind set has stayed with me well past college. I have no debt to my name and make 90k a year but I'm finding it extremely difficult to spend money on anything from food to entertainment. Currently I am saving over 60% of my take home after expenses. Any advice to help settle panic I have spending money? [link] [comments] |
| Taking out a private student loan for two years worth of university. Help with thoughts! Posted: 21 Nov 2021 07:44 AM PST To preface this, I came out to my parents, got disown, and now I have to figure out how to pay for college amongst other things all on my own now that I have zero help from them at all. I'm currently a sophomore at community college and I will be transferring to a four year institution for this upcoming spring semester. During my time at CC I saved up money and had my CC paid for via a student ambassador program at my college. So any fafsa, scholarships, and grants I got were all refunded to me which I saved up to pay for uni when I transferred because I knew I wouldn't get any help from my parents when I came out. Anyways, this spring semester at uni will cost me out of pocket around $8k. Junior and senior year together will cost me around $25k out of pocket. I have applied for scholarships so I'm hoping that costs will go down if I get any at all but I am also looking at taking out a student loan with Discover should I not get any other financial help. ~$34k is around the average amount of debt that I'm looking at for undergraduate and with a job in software development I feel like I would be able to pay this debt off fairly quickly. I have a pretty good credit score but only over a year's worth of credit history so i don't know how low of interest I would get. There's one full ride scholarship I applied for that I have a really good chance of getting but I do not find out if I get it until April and this full ride wouldn't start paying until this upcoming August. Assuming that I get it I would still have $8k I would need to pay for, for this upcoming semester. I do plan on getting a job for next semester to off set costs. I had a job at this beginning of this semester but I quit because the course load was heavier than I thought it would be. Does ~$34k for two years and one semester worth of uni for a computer science degree sound fairly reasonable? This is around the maximum amount of debt in private loans I'm looking at as of right now assuming that I'm not awarded any scholarships or grants. [link] [comments] |
| Looking for features in joint checking Posted: 21 Nov 2021 07:36 AM PST My fiancé and I are shopping for a joint checking. We want to have an account to help us budget by being able to put money in that account each month for groceries and dining out. We are looking for: no minimum fees, we both have easy access to account and can have x2 debit cards, and that we can quickly transfer funds in/out (we had simple before and it took like a week for her funds to get added). Those are pretty easy - but we have some other features we are really trying to find: Visa (for Costco), has ability to assign things in "buckets" (even if this would be a savings account to link) and would prefer no foreign transaction fees in case we want to use this traveling. Schwab seems to hit the closest. Cap One and Ally are front runners but both are Mastercard over Visa. We prefer to have Visa for Costco but if a MC bank is really better than we could work around. We use Splitwise now but would prefer to move to a joint account for these shared expenses now. Any places or thoughts I'm missing? Thanks! [link] [comments] |
| 60 year old Dad and Mom have no retirement and their health is declining. Posted: 20 Nov 2021 10:06 PM PST There are 5 of us and our parents. All 5 of us are in school working on guiding our career. My Dad has been in America for 40 years and he has nothing to show. My mom is working but bills take 80% of her pay and she can't build a savings. My dad has diabetes and my Mom has arthritis. My siblings and I are not in the position to take care of our parents because we are young and still trying to establish ourselves. What adoptions do my mom and dad have ? How can they build or gain some money? My dad has been growing increasingly depressed since the beginning of the year. The realization of all his kids growing up and he has nothing is hitting him. It is stressing me and brothers a lot because it hurts a lot to see your parents depressed. They deserve a break so much. Please guys anything helps. If my dad were to drop dead right now idk how we would survive. [link] [comments] |
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