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    Home Unlabelled Personal Finance Just got hired for a new job, I am not sure if I should accept based on financial matters

    Personal Finance Just got hired for a new job, I am not sure if I should accept based on financial matters

    November 06, 2021

    Personal Finance Just got hired for a new job, I am not sure if I should accept based on financial matters

    Just got hired for a new job, I am not sure if I should accept based on financial matters

    Posted: 06 Nov 2021 04:31 AM PDT

    I currently work for a large construction company for their IT. I currently get paid $39,000 a year that includes basic benefits. I also must drive an hour a day to get to and from work.

    On Friday, I got offered a job that pays $60,000 a year (W2 and no benefits). I also will be working from home.

    Contacted my current employee HR and see if they could bump my pay up to $46,000. I will hear about it on Monday.

    I have never made so much money before. Not sure how the new salary without benefits would be.

    What do you guys think on the matter?

    submitted by /u/whoami4546
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    $1200 was stolen out of my checking account. I have already talked to the bank, but I was wondering if it would be a good idea to file a police report anyways. Thoughts?

    Posted: 06 Nov 2021 12:59 PM PDT

    I don't know how, but someone got ahold of my debit card number and charged over $1200 to a hard rock cafe sports bookie. I have already blocked my card and have a new one on the way, but I was told it would take a couple of weeks for the fraudulent charges to be fully taken care of. This is the first time this has happened to me, would it be worth filing a police report?

    submitted by /u/Ello2011
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    Wife is quitting medicine, still have medical student loans to pay off. What are our options?

    Posted: 06 Nov 2021 05:14 AM PDT

    My wife (31F) and I (30M) are both physicians. I finished in 2020 and have 259k in loans left to repay. I am currently making around 400k/year. My wife just finished her residency with an additional 250k in loans and has basically decided that she can't do it anymore. Medicine has made her nothing but miserable and has wrecked her mental health. It finally got to the point where we had to decide if it was worth it for her to continue, and we ultimately decided her happiness was worth more. And yes we are addressing her mental health issues with therapy, professional help, etc. It does go beyond career and work, she has had issues with depression throughout life but it became severe throughout residency.

    Obviously, I'm supporting her in this decision but I would be lying if I said it hasn't brought me an insane amount of financial anxiety. She has 250k in loans as well and was on track to be an ER physician, same as I, where she would also be able to make around 400k a year. The plan was always for us to both work full time to start off so we could pay it off asap, and then cut back a bit but work aggressively towards retirement and enjoy a semi early retirement, without having to bust our asses along the way.

    Now, I'm trying to figure out how our financial goals will be impacted by this change of plans. On one hand, I know that my own salary is sufficient to live a comfortable life style and I am not trying to sound ungrateful for my own income. But on the other hand, when I try to break it down into what this will actually change it really starts to seem less optimistic. From the way I see it:

    • we are losing massive income potential obviously from wife's earnings over life

    • we are losing potential investment earnings with wife's theoretical earnings

    • losing wife's 401k retirement plan and company match

    • we are losing the potential of my income that could have gone towards investments which will now have to first go towards paying off her loans too for many years

    • I'm losing the value of time with how much longer I'll have to work now.

    When I think of it like this, it seems like this will delay our ability to retire by at least 10 years if not more. Is that an accurate estimate?

    I know i could be in worse situations, but honestly it sucks. I basically gave up my college years and my 20s and worked my ass off to get to this point, as did my wife. Now we're in our 30s and the light at the end of the tunnel was supposed to be that our earnings would offset some of that missed opportunity and will also allow a very comfortable lifestyle and will allow us to retire early. Kinda feels like I got to this point now just to keep working harder with no real payoff in the foreseeable future. ER work is not easy, and I already am starting to feel burnt out. Doing 10 to 15 more years than I planned of this seems horrendous if I'm being honest.

    Strategies I have thought of so far include:

    -paying bare minimum on our loans and waiting 25 years to be forgiven

    -wife has a private disability policy she started in residency which covers psychiatric illness. She has not been formally diagnosed but we're both doctors and know 100% that she is depressed. IIRC though, she would only be eligible for 2 years of disability from something like this though

    -have her declare bankruptcy individually and try to get some loans forgiven. Her credit score doesn't really matter as much since I pay for everything and everything is in my name. But I also don't know if a judge would consider her situation as a hardship considering my income.

    -pumping 100k into the next meme crypto coin and getting lucky. Jk. Kinda.

    Obviously her working a different job would be an obvious alternative solution, and we haven't written it off yet but long story short answer to that is - it's hard at the moment for her to envision doing anything at all due to the severe depression she's in. She has zero career oriented passion or desires. Hoping therapy will help.

    Any advice would be appreciated and thanks in advance.

    EDIT:

    I just wanted to thank everyone for the advice. I've read through pretty much every comment and appreciate all the different angles and insight. As someone suggested, I will probably seek therapy for myself too, to help sort out some of the emotions and anxiety I've been feeling about all of this. I also have a lot of hope from seeing other people in similar situations that worked out just fine. Will try to respond individually at some point to some comments but just wanted to say thanks to all.

    submitted by /u/Fessywessy1
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    30 years old, lived with parents way too damn long, have money saved but income is low for area

    Posted: 06 Nov 2021 04:23 PM PDT

    Pre-tax, I make $41k a year, not including my monthly bonuses. I've also started some freelance work, which although quite sporadic, has made me a gross of about $1250 a month. But with it being unreliable, I think it's better to go off just my salary.

    This would put 30% of my gross income at just $1,025. There are VERY few rentals around here lower than that which I'd be comfortable with, and I'd greatly prefer to not have to have a roommate.

    Would it be okay to go slightly above? Maybe find something between $1000-$1200 a month?

    FWIW, I have no student loans anymore and have zero debt.

    submitted by /u/NewsThrowaway151593
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    My wife’s identity was stolen with a credit card opened in her name, but how did they get money out without the card?

    Posted: 06 Nov 2021 06:15 PM PDT

    On October 30th we received a credit card in our mailbox from US Bank in my wife's name. The card had a $20k credit limit and included the usual instructions on how to activate the card. We called US Bank that night to inform them we didn't apply for an account, and opened a fraud investigation. They told us the account had been "active" and had a balance. Obviously they couldn't provide any more background. Two days later another letter arrived from US Bank, this time telling me that my application for a card had been denied.

    By this time, my wife and I had placed freezes with all credit reporting agencies. However, while running our reports we noticed that US Bank's entry showed the account was opened October 24th and had an open balance of $14,187. My question is, how did the crooks manage to activate a card that wasn't sent to them and charge so much money?

    submitted by /u/bigbrothersrule
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    BOA is offering us a second refinance in a year. What's the catch?

    Posted: 06 Nov 2021 04:06 PM PDT

    We have a 7ARM with BOA. We did a refinance with them this July to bring the rate down from 2.875% to 2.375%. The agent called us again today saying they can further reduce the rate to 2% with no points and no fees.

    To get that rate, we have to transfer certain amount of our stocks to use BOA's online investment services. But the agent also mentioned we could revert the stock transfer once the refinance goes through.

    I have two questions. One is why would BOA offer lower rates to their existing client? Isn't it better for them if we pay more interest? Secondly, are there any hidden costs of transferring our stocks like that? It doesn't sound like BOA is benefiting much if we just temporarily park our stocks there.

    Thank you!

    submitted by /u/abbydat
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    Hotel booked through Expedia never charged me, not sure what to do...

    Posted: 06 Nov 2021 05:30 PM PDT

    So I book a stay at a hotel through Expedia (on the Hopper app) that cost about $202. The hotel never charged me and it's been about three weeks now so I called them and they told me they aren't the ones who will charge me, that Expedia should. But getting in touch with Expedia is very hard. I tried contacting them through their virtual chat but all the information I give them that confirms my stay they say they have no record of it. I tried calling so I can speak to someone in person but I'm on hold for over an hour so I'm not doing that again. I'm not sure what to do in this situation. Does anyone have any suggestions of what Else I can do or has had a similar situation? Or should I just ignore it? I made this reservation through Hopper which used Expedia to make the reservation. Hopper is also hard to contact in terms of customer service.

    Edit: I shouldve mentioned, my stay was three weeks ago, almost 4.

    submitted by /u/sand002
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    Is there any advantage in merging 3 separate 401k accounts?

    Posted: 06 Nov 2021 04:32 PM PDT

    I switched jobs multiple times the past several years, meaning I have multiple 401k accounts across various investment companies (e.g. Fidelity, Prudential, Vanguard, Northwest...etc)

    They are all roughly allocated across index funds (tried to simulate market so for example Vanguard is VINIX and VEXAX and Fidelity has FXAIX...etc) and mostly in Traditional with one of them in Roth.

    Is there any advantage to merging them into one account? (Or is that even possible?)

    submitted by /u/finnewb
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    Should I purchase a business to get out of healthcare?

    Posted: 06 Nov 2021 04:10 PM PDT

    Masters prepared healthcare worker. It's horrible, point blank. I've been denied promotion after promotion and been subject to violent patients daily. I have been trying to find another job for a year that is not bedside, I don't want to get another degree and sink into debt.

    I have $800,000 that was given to me from a family members death. It's been invested completely.

    I have $20,000 of student loan debt and a mortgage of $250,000.

    I bring home $80,000 per year and manage to max my 401k.

    I was considering purchasing a small business—laundromat, carpet cleaning, vending machines. They range from $60,000-300,000.

    I don't know what I should do. What resources can I use to make a good choice?

    submitted by /u/DullGlass
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    Need help choosing an insurance plan (HSA vs Non-HSA)

    Posted: 06 Nov 2021 06:06 PM PDT

    Hi all, I'll keep it brief
    Monday is my deadline to chose a plan, and of course I waited until the last minute (In my defense I've only started this job a month ago)

    Anyways, in my journey to master the subject of healthcare policies on one night I've narrowed it down to two choices.
    One is an HSA account which I see a lot of us here like (I like it as well but don't currently max out my Roth so I wonder what happens if I don't contribute to the HSA regularly, and what happens to the money I do contribute in the event that I switch away from a HDHP)

    The other has a much lower deductible, the premium is only a $20 difference and it seems like the deductible does not apply for most services. The only potential downside is its not an HSA.
    I know this is incredible boring to most, but any input is appreciated.

    Short info about myself, I'm a young single male, no kids, in good health with no reportable health conditions. I don't take any medications and as of yet haven't had any major injuries that have left me with any long lasting pain.
    Now, enough gloating

    Here are the two plans I'm looking at:

    Gold Tandem PPO 1200/35 OffEx ($96.47 per pay period) Bronze Full Savings PPO-HSA 7000 ($75.27 per pay period)
    Single: In-Network: $1,200 / Out-Of-Network: $2,400 Single: In-Network: $7,000 / Out-Of-Network: $10,000
    Primary Care Physician: In-Network: $35 / Out-Of-Network: 40% after deductible Specialist: In-Network: $55 / Out-Of-Network: 40% after deductible Primary Care Physician: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible Specialist: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible
    Inpatient Facility: In-Network: 20% after deductible / Out-Of-Network: 40% after deductible Inpatient Physician: In-Network: 20% after deductible / Out-Of-Network: 40% after deductible Inpatient Facility: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible Inpatient Physician: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible
    Outpatient Facility: In-Network: $150 per procedure plus 20% after deductible / Out-Of-Network: 40% after deductible Outpatient Physician: In-Network: 20% after deductible / Out-Of-Network: 40% after deductible Outpatient Facility: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible Outpatient Physician: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible
    Urgent Care: In-Network: $35 / Out-Of-Network: 40% after deductible Emergency Room: In-Network: $250 plus 20% after deductible / Out-Of-Network: $250 plus 20% after deductible limit: waived if admitted Urgent Care: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible Emergency Room: In-Network: $0 after deductible / Out-Of-Network: $0 after deductible limit: waived if admitted
    Preferred Generic Drugs: Tier-1: $10 per script / Tier-2: $15 per script / Out-Of-Network: Not Covered Non-Preferred Generic Drugs: In-Network: Not Applicable / Out-Of-Network: Not Applicable Preferred Brand Drugs: Tier-1: $40 per script after deductible / Tier-2: $60 per script after deductible / Out-Of-Network: Not Covered Non-Preferred Brand Drugs: Tier-1: $70 per script after deductible / Tier-2: $100 per script after deductible / Out-Of-Network: Not Covered Preferred Specialty Drugs: Tier-1: 30% after deductible, up to $250 per script / Tier-2: 30% after deductible, up to $250 per script / Out-Of-Network: Not Covered Non-Preferred Specialty Drugs: Tier-1: Not Applicable / Tier-2: Not Applicable / Out-Of-Network: Not Applicable Preferred Generic Drugs: In-Network: $0 per script after deductible / Out-Of-Network: Not Covered Non-Preferred Generic Drugs: In-Network: Not Applicable / Out-Of-Network: Not Applicable Preferred Brand Drugs: In-Network: $0 per script after deductible / Out-Of-Network: Not Covered Non-Preferred Brand Drugs: In-Network: $0 per script after deductible / Out-Of-Network: Not Covered Preferred Specialty Drugs: In-Network: $0 per script after deductible / Out-Of-Network: Not Covered Non-Preferred Specialty Drugs: In-Network: Not Applicable / Out-Of-Network: Not Applicable
    Imaging: In-Network: 20% after deductible / Out-Of-Network: 40% after deductible Diagnostic Test: In-Network: $50 / Out-Of-Network: 40% after deductible Imaging: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible Diagnostic Test: In-Network: $0 after deductible / Out-Of-Network: 50% after deductible
    Single: In-Network: $8,150 / Out-Of-Network: $16,300 Family: In-Network: $16,300 / Out-Of-Network: $32,600 Single: In-Network: $7,000 / Out-Of-Network: $14,000 Family: In-Network: $14,000 / Out-Of-Network: $28,000
    submitted by /u/acidrainn23
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    Starting late and not sure if I'm planning correctly

    Posted: 06 Nov 2021 07:01 PM PDT

    Married filling jointly, 31 and 32, with zero retirement savings. We want to buy a house and start a family within a few years so we need to get a move on it.

    Current savings is $200. Digging out of debt acquired when I was unemployed/underemployed in 2020 and didn't qualify for unemployment insurance. I started a stable work from home job at $20/hr 2 months ago (should be getting a raise in the new year) and we've paid off $3200 in credit card debt since then. My wife makes $15/hr, plus tips, and will begin taking online college courses for a HR management business degree next year. We're applying for as many grants as possible and she's currently taking some CLEP exams to go in with as many credits as possible. Actual monthly expenses: $2700 (67% of this goes to just rent, city life). Moving is not an option. Planned emergency fund is $9,000.

    Currently, my wife's credit card has $3500 balance at 24% interest. My credit card has $2900 balance and no interest until Nov 2022. I've budgeted $1000/month towards credit cards and Undebtit says the cards will be done in 5 months. After then, the $1,000 will go into HYSA for 9 months for our efund.

    Our student loans are $24K, $14K and $6K, all federal, with $0 IDR payments until May 2023. Once credit cards are zeroed out, and HYSA is built to $9K. I'm considering putting $500 into student loans and $500 split between 2 Roth IRAs.

    My employer offers a 401K but no match so I haven't signed up; but I did sign up to have $100/month deposited into an HSA. My wife's employer offers zero benefits.

    Would it be best to open two Roth IRA accounts, and start depositing a small amount ($50) per month into each right now? Or should we wait and just focus on saving until the efund is at the perfect amount?

    We have a $20,000 home down payment being taken care of by a loved one when the time comes and we've both agreed to only consider modestly priced homes for our first home (under $150K). Is there a certain amount we should have saved and in retirement before we even start looking at homes or approaching mortgage brokers in a few years?

    I have 3-day weekends, so I also picked up a flexible local PT job making $17/hr; start in 2 weeks with $1000 sign on bonus. The plan is to work this PT job 10-12 hours a week and have that check, and a small amount of passive income we make, direct deposited into our HYSA until it hits $20,000. At that point, I'll reevaluate goals, mental/physical health, quality of life, etc and determine if the PT job is still needed.

    ​

    Am I on the right track with this plan?

    submitted by /u/AdventurousShare9097
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    Opportunity to buy my parents’ house with my boyfriend, good idea or bad?

    Posted: 06 Nov 2021 03:58 PM PDT

    My parents moved less than a year ago and retained their old house. They tried renting it out, but the first renting situation did not turn out great. They do not want to be landlords and they get some big tax benefits if they sell their old house within a year of purchasing the new one, namely transferring their old property tax to their new house.

    They still have a sentimental attachment to the old house and offered to sell it to me and my boyfriend at below market rate in order to 1) keep it in the family, 2) give us an opportunity to buy house for less in an expensive market (California). They had planned to put it on the market for about $800k, but would be willing to sell to us for $600k or even $500 depending on what we could afford. The house (3 bed/2 bath) is located in a nice, quiet family that is also a 10min drive/15min bike ride from a bustling downtown/midtown area in a mid-to large-sized city.

    My boyfriend and I live about 2 hours away in a large, HCOL area. He makes over $100k and has $100k in savings, I make $60k and have ~$40k in savings. However if we bought the house and moved, we may have to take lower paying jobs. My line of work may be particularly difficult to find a new job that pays enough because it is a lower-paying, over saturated field. His job is currently WFH, but that may change, plus he has been hating it recently. I have no debts, he has $30k(?) in student loans. We estimate that monthly costs on buying this house would be $2000-3000/mo, depending on how much down payment we put down. The idea would be to split 50-50.

    Does this sound like a good idea? I think the monthly costs would be a stretch, particularly for me. But the idea of the money going towards a mortgage instead of rent makes it seem worth it to me. We could have to have a roomate(s) for awhile, though the idea is not super appealing. I know there are many other associate costs with owning a home, so I'm worried it could be too much of a financial strain. Plus there this whole other thing where my BF has been thinking of paying off his mom's house (in a whole different city) and he is not sure he could do both.

    It seems like a bit of a financial reach but it also seems like a rare opportunity to buy a house in an nice location for a good price. Any advice?

    submitted by /u/3767368438832
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    Should I sell my laptop, monitor, office chair, and sofa to catch up on rent?

    Posted: 06 Nov 2021 03:44 PM PDT

    The laptop, monitor, office chair, and sofa were about $2000 total when I brought them earlier this year. I'm two months behind on rent and owe $2120.

    submitted by /u/xXVoicesXx
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    traditional 401 to Roth 401k

    Posted: 06 Nov 2021 06:45 PM PDT

    hello everyone! Finance newbie here. Just turned 30 with about $40k in my traditional 401k. I am married filing jointly and my wife and I are anticipating going into the next tax bracket within the next year. Would right now be the optimal time to convert my traditional 401k to a Roth 401k? Thanks for any advice!

    submitted by /u/Soft-Praline-1898
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    How do student loans work

    Posted: 06 Nov 2021 04:41 PM PDT

    I was under the impression that they are designed so making minimum payments takes ten years to pay off. You'll pay a lot more than the principle but yeah. So how do I keep seeing stories of people who say they made like payments on their 50k loans and after a decade owe 57k. How is that possible?

    submitted by /u/NivJizzet
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    Is a comfortable retirement as easy as it seems on paper?

    Posted: 06 Nov 2021 08:22 PM PDT

    I'm 17 and trying to figure out a future for myself. I live in a wealthy area and see a lot of wealthy people constantly, so naturally I aspire to be like that myself someday.

    The career I'm thinking of has an average salary of 120k/yr. If you saved $1000 a month (~15% after taxes) with a simple 8% S&P index, you'd have, after 30 years, 1.4 million dollars. With that kind of money you could live off the interest alone, and if you had a spouse with a similar income then double that.

    I know that's a really gross oversimplification of things, but it seems almost.. too easy to become a millionaire? Is this a realistic plan or am I missing something major?

    submitted by /u/Wonderful_Ad6831
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    When should I apply for another credit card? and when can I expect my score to show on Experian?

    Posted: 06 Nov 2021 07:10 PM PDT

    So I have been trying to build my credit for the last few months (I believe I started June of this year). Currently, I have 2 credit cards, and an auto loan. Yet as I have been trying to check my credit progress, I noticed that my score does not show up on Experian or any other site (except credit karma, but from my knowledge it isnt fully accurately). I want to apply for another credit card, but do you guys think I should wait till my score shows? and how long on average did it take for your scores to show on Experian? Also, when do I know the right time to apply for another credit card?

    submitted by /u/Dangerous-Quarter-10
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    Car Modification Tax Write Off?

    Posted: 06 Nov 2021 07:05 PM PDT

    I drive for doordash, instacart, and Walmart Spark and this is my first year doing all that. I know that you can write off stuff for the car like phone mounts, car washes, maintenance and so on. I was wondering if I could write off car modifications like exhaust, intake, tint, mudflaps, wheels, and so on. To be honest I don't know much about taxes but I did my research on what I should keep for tax season.

    submitted by /u/RiceyReddit
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    Financial planner sent me this link to justify the fee I’m paying. How do I reply?

    Posted: 05 Nov 2021 08:13 PM PDT

    I want to invest long term, 30+ years. Without doing any trades/selling etc, I just want to login only 1-2 times per year.

    I made the mistake of going to a financial planner, I emailed and questioned the fee (I'm paying almost 2% of AUM annually) I don't even know what investments I have sadly.

    How do I fix this mistake? What do I reply to the email my planner sent me with this link? She was really big on the service provided being worth the fee, I don't know what that service is

    Here's the link I was sent

    I tried to renegotiate the fee and was told no...I don't feel well

    https://www.ellevest.com/magazine/investing/4-reasons-to-outsource-your-portfolio-management?ko_click_id=ko_kosnc0zg3j5hc6ab3&utm_source=LI&utm_medium=organic-social&utm_campaign=magazine-article&utm_content=diy-portfolio&live_date=20211104&placement=post

    submitted by /u/No7onelikeyou
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    Declined for a credit card that I didn’t apply for

    Posted: 06 Nov 2021 06:46 PM PDT

    I got a letter from my Grandmother's house, I haven't lived there in over 3 years. It says that I am declined for a credit card through My Synchrony for some Walgreen's card. The letter looks fake though, they have my name in all capital letters and Walgreen's in all capital letters. Also the weird thing is the credit score provided is 495, mine is in the mid to high 600's. I also have a credit card through My Synchrony for Rooms To Go for some furniture I bought earlier this year.

    I looked at all my credit reports and the inquiry isn't showing. I don't know if this is a phishing letter, or identity fraud. They're apparently not using my Social Security number if it's identity fraud, because the credit score is off by 160 points or so. I am kinda worried though because I have never gotten anything like this. Anyone else ever have this happen? I'm probably going to get a credit monitoring plan through someone, but am unsure what is going on. Again the letter is like the most generic letter I have seen. Like somebody typed it up from home.

    submitted by /u/TheGame81677
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    I had worked 11.53 hours of OT at time and a half and had only received 94 dollars over my regular pay.

    Posted: 06 Nov 2021 06:40 PM PDT

    Hi all, I wanted to ask you all if I'm doing my math right or not. On my second paycheck I received roughly $1,014 after taxes for 78 hours at $14/hour of work. On my third paycheck, I had worked 78 hours plus 11.53 hours (which is $21 an hour for time and a half) and I had only received $1114 after taxes. Receiving $96 dollars for almost 23 hours of OT doesn't sound right to me. Please help. Also this is in Northern California.

    submitted by /u/GroundedKush
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    Is employment based health insurance retroactive to any degree?

    Posted: 06 Nov 2021 04:18 PM PDT

    Situation; I got hired at a job, and while my employer and job is wonderful and I have no complaints, the actual insurance broker they deal with...the process for the insurance to actually kick in has been...slow. 'uhh I lost the paperwork' and 'uhhh lemme check' and a lot of that.

    In the meantime I had to get a bunch of procedures done in the several weeks/months of me waiting for my insurance to kick in and the insurance card to come.

    So my question is that can I retroactively get any of that work covered? Does retroactive coverage only go back to the date I was eligible to get insurance or the date the insurance actually activated?

    So like, in this example, if say, I got hired in 1/1/2021, was eligible for insurance at 3/1/2021, applied 4/1/2021, got health stuff done 4/15/2021 (thinking I would be good) the broker lost my stuff, and I had to apply again 5/1/2021, and then it finally kicked in 6/1/2021, what's covered?

    Just making sure. I know its a weird situation. Thank you!

    submitted by /u/BUSY_EATING_ASS
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