Personal Finance Family member is asking for a copy of my baby's social security card to open an account? |
- Family member is asking for a copy of my baby's social security card to open an account?
- Declined a job offer, now regretting it. Okay to reach back out to hiring manager?
- My stepfather promised to help me furnish an apartment and then abandoned me
- my mother was scammed and they took everything we have
- I am 20, live at home and have a $12 an hour job and have a couple grand saved up.
- Received a settlement for car accident for 20K.
- Zelle Scam (Different from the typical one)
- How to retire at 50... when you're 50!?
- Are life insurance a scam?
- Get a Job just for Roth IRA
- Car insurance sky rocketed 1000 % after accident
- Is it a legal fee to pay?(car)
- $27k in debt and counting as a college student
- Is 2/5s of my savings too much to spend?
- 401k or Roth 401k? and Target Date Fund or choose my own mutual funds?
- Married parents filed as head of household. What to do?
- Cutting Grocery Costs?
- Inheritance has given me a chance to set myself up OK--please help
- Looking for financial software
- [General question, not for me specifically] When do you think someone should have a professional financial planner?
- Underwater with student loan debt. Losing faith
- Selling items on behalf of another person liabilities
| Family member is asking for a copy of my baby's social security card to open an account? Posted: 08 Jan 2022 11:32 AM PST Hi all, hopefully this is an OK place to ask this question (if I should post it somewhere else please let me know)! I have a 1 month old and my MIL had initially told my partner that when we get the baby's SSN, she needs it to open an account for her. However, now she says that she needs a COPY of the social security card because she needs to "present it" in order to open the account? Is that a thing? I don't believe that she would steal her identity or anything, but she is extremely controlling and manipulative and I don't know if I feel comfortable handing her a copy of my child's SS card. Basically, I am asking if there is any type of account that would require a non-parent to present a child's social security card in order to open it? Thanks! [link] [comments] |
| Declined a job offer, now regretting it. Okay to reach back out to hiring manager? Posted: 08 Jan 2022 04:21 PM PST Yesterday I passed on a job offer that had been in the negotiation phase for a couple of weeks. I was honest with HR saying I am very conflicted and cited salary as the main reason, combined with bad timing due to projects at my current job. She was understanding and said we can keep in touch for future opportunities and connected on LinkedIn. Now I'm having second thoughts. Is it okay to reach back out to the hiring manager and see if the offer is still available? I feel bad because they were flexible on pushing back the start date and did their best to beef up the offer (higher base) and gave me a full week to decide. Any harm in reaching back out to the hiring manager? This is a tech role if that matters. [link] [comments] |
| My stepfather promised to help me furnish an apartment and then abandoned me Posted: 08 Jan 2022 11:41 PM PST I had a really horrible home life and never got along with my stepfather. Two weeks ago I turned 19 and demanded I either pay rent or move out. He was going to charge a ridiculous amount for rent and since I only work a retail job right now I wouldn't be able to afford what he wanted so I decided to move out. I told him I needed a little time to accrue some savings to furnish my apartment but he just wanted me out of the house asap so he verbally promised to help me furnish my apartment if I move out as soon as possible. Well this weekend I moved into my new place and as soon as my stepfather finished dropping off my stuff he was done with him. I texted him earlier asking if he would help me buy the essentials like a bed, microwave, etc, and he just said "no" and won't talk to me anymore. I make just enough to afford my rent and utilities (I get most of my food from my work) but now I'm currently sitting in an empty apartment no bed, no dresser, no lamps (it's poorly lit) and I just feel so sad. I'm sorry for the rant I just don't know what to do. [link] [comments] |
| my mother was scammed and they took everything we have Posted: 07 Jan 2022 08:25 PM PST my mom was just completely scammed of everything. she was sent $3,500 from Zelle (mobile banking) and was called from what she thought was her "bank" (she thought it was her bank because they mimicked the banks phone number) telling her it was fraudulent and gave them all her information in order to fix it. once she realized she was scammed she called her actual bank and they told her they have to do an investigation that can take up to 10 days and even then they might not refund any of her money. she is so extremely overwhelmed she is threatening killing herself and selling our house and i don't know what to do. i'm shaking in fear for what is going to happen as my mom supports my family. so please if anyone has any advice or experience in this please tell me. i don't know what to do we have no family in the state we live in and this just killed us we weren't very wealthy before this but now it's hopeless please help i'm sorry if this is the wrong subreddit edit : sorry for the confusion but they started with 3500 but after she gave the information they went through her accounts and wired everything she had. they took the money she inherited from my grandpa and everything she had saved up. edit 2: you might have gathered i am not entirely familiar with the terminology being used in the thread so i apologize for the confusion. i am learning about all this as i go. thank you all for your advice, every comment has genuinely helped me in one way or another. i am taking it all into serious account and it all has helped me to see this situation in a less panicked and scared perspective. [link] [comments] |
| I am 20, live at home and have a $12 an hour job and have a couple grand saved up. Posted: 08 Jan 2022 06:18 PM PST What should I be doing right now that will help me tremendously in the future? I also have a credit score of 600. [link] [comments] |
| Received a settlement for car accident for 20K. Posted: 08 Jan 2022 09:24 PM PST I was in an accident and received a settlement for over 20K. Me and my wife have a certain amount saved besides that but nothing crazy especially after having a baby. Money has been tight and this settlement has given us breathing room. I want to be financially smarter with this money and invest it properly but I don't know where to start. I didn't have much education when it came to money growing up but I wanna build on this. Any help would be great. EDIT: I also wanna let you know. I'm 29 years old, I also have a 401K with about 50K so far. [link] [comments] |
| Zelle Scam (Different from the typical one) Posted: 08 Jan 2022 11:21 PM PST I just wanted to know if anything like this has ever happened to anyone and see if maybe there is something else I should look out for. Thanks! Earlier today, I got a text from a bank (bank B) I don't bank with and have zero history with saying my phone number for account ending in xxxx had been updated. Seeing as I don't bank with them, I ignored the message and dismissed it as spam. A few minutes later I get a text from bank B again saying my family member had sent me money to my account using Zelle. It was a good amount of money, and out of the blue, so I gave the family member a call to see what's up. They did not know they had sent money, but they checked their email anyway and saw a notification that they had in fact sent out the same amount of money via Zelle. I also checked my email and saw I had a message from my bank (bank A) that my phone number associated with my Zelle account at bank A had been removed due to inactivity. By this point both my family member and I called our respective banks (both happen to be bank A) to report this as fraud. When I went to my mobile banking to the Zelle page, my phone number was shown as inactive -- and when I would try to re-activate it it would give me a notice that it was currently linked with an account at bank B. I was given the option to re-activate it via a two factor authentication text message code that was sent to my phone. The bank A agent on the phone was able to confirm that their end, they could see my Zelle phone number was in fact turned off and currently associated at bank B under a name different than mine. They would not give me the name due to policy. While on the phone with them I re-activated my phone number to my account. The agent confirmed that everything looked normal outside of that. After consulting with their team they reached the same conclusion as me -- how was my phone number able to be assigned to a new Zelle account at a different bank with out ever requiring some sort of 2 factor authentication. They suggested I call bank B and try to pose that question. I then called bank B ho wanted to wanted to search and see if there was an account open under my name by verification of my SSN. While this made some sense, I was already pretty spooked out I did not want to give that information out. I decided to go in person to a bank B branch on Monday to further investigate. I changed my password and username. My family member was able to report the transaction as fraudulent and the bank is essentially monitoring it for the time being. They also changed their username and password. TLDR: A spammer set up my phone number to another Zelle account at another bank. They then sent my phone number money from my family members bank account to the the new bank they had linked. [link] [comments] |
| How to retire at 50... when you're 50!? Posted: 08 Jan 2022 03:51 AM PST I read lots of posts and see lots of videos about retiring at 50. Well: I am 50! I have some money invested that I could turn into around net $500,000. I live in Europe, so healthcare is and won't be a problem. I am still working because I am really puzzled about what to do next. I'd love to retire and live on magical "free cash flow". I can live perfectly (as I have done for the last 20 years) spending $2000 each month. Should I work some years more? Is $500,000 not that much? [link] [comments] |
| Posted: 08 Jan 2022 08:56 PM PST My friend sells life insurance and he's always bugging me about getting a life insurance policy . He works for a company similar to PHP, and I was wonder if the insurances actually pay out or is it a scam? [link] [comments] |
| Posted: 08 Jan 2022 09:44 PM PST I am 17 years old and really looking into planning for retirement. I have a custodial stock trading account and am invested in a handful of ETFs. I do not have to pay anything for college (scholarships, savings). I want a job just to start a Roth IRA account because by the time I retire (hopefully, 60 years old), the account will be worth exponentially more. The contribution limit for a 17 year old is $6000. Should I get a job, make $6000 after tax, and then quit? I do not plan on buying anything with the money... [link] [comments] |
| Car insurance sky rocketed 1000 % after accident Posted: 08 Jan 2022 04:15 PM PST I knew my premium would increase after filing a claim but never in my wildest thoughts, would I have expected my insurance to go from $600/6 months to $5000. wtf. Had the insurance warned me, I would've just footed the bill of $2k to fix my jeep dent from a backing accident. Just needed to vent! I mean what if health insurance worked the same way. Of you broke your elbow, bam your insurance goes up 10 bajillion dollars now. [link] [comments] |
| Is it a legal fee to pay?(car) Posted: 08 Jan 2022 10:17 PM PST So I'm not entirely sure if this sub is ideal, but it's my go-to for all things finance and has been a wealth of knowledge… so I wanted to ask here first. My spouse and I have to buy a new car. There just isn't anyway to avoid it. Finances and car payment aren't the issue. And so this past week we test drove a Toyota we have had our eyes set on. Since it's 3 weeks away from delivery we spent $500 on a deposit which can be refunded. We go to start talking numbers and all of a sudden we see this $5,000 mark up OVER the pre tax (+ options) price. It's this "mark up fee" of $5,000 that allegedly is a thing because (quoting car sales manager), "used car dealers are buying all the new car and forcing the prices up. So dealerships introduced this fee to combat the problem". And, "it's a non negotiable fee that you have to pay". A bit absurd I have to pay some mark up fee because y'all are After negotiating they cut this non-negotiable fee in half. Hmmmm…. Bizarre. I find the whole fee to be complete BS and I'm tempted to walk from this sale at said dealership and buy somewhere else. I am in Southern California if that helps. It is nowhere on their site. Do I have a leg to stand on getting it removed entirely? [link] [comments] |
| $27k in debt and counting as a college student Posted: 08 Jan 2022 06:57 PM PST Hey Reddit. So I'm a 21 year old male who has made a series of stupid decisions, clearly. I started school as a film major who lived on campus, decided it wasn't for me. I took out $10k from a private loan for room and board that year as well as federal loans for classes. I am now in my 4th year of school with $27k in debt (all federal other than the original $10k in private, that is now $12k due to interest). Problem is because I failed a lot early in my college career and changed majors, I have 2-3 years of school left. I'm looking at graduating with $50-60k in debt most likely, though I want to pay ahead going forward as much as I can. Also I currently owe my school $5k for last semester and will likely need a private loan that covers past due balances. Am I screwed for life? I'm looking to become a high school teacher after college. My girlfriend has $22k in debt and is out of school with an associates in communication. Are we ever going to be able to get married and get out of debt? I'm horrified. I can't sleep anymore and my anxiety is nuts. I've cried 3 times at work today about this [link] [comments] |
| Is 2/5s of my savings too much to spend? Posted: 08 Jan 2022 11:47 PM PST Hi! I'm a 19 year old college student and I have a decent amount of money saved up. I'm looking at buying a camera to get into photography and maybe turn it into a portrait hustle for some money on the side. The camera I'm looking at, however, is roughly 2/5 of my savings account (not sure if I should specify how much I have saved). Is this poor money management or should I just buy it already? Thanks! [link] [comments] |
| 401k or Roth 401k? and Target Date Fund or choose my own mutual funds? Posted: 08 Jan 2022 11:31 PM PST Im 35 with no retirement savings. Im finally making decent money so i want to try and max out my 401k contributions this year. So should i go for a traditional 401k or a Roth? Im unsure of the pros and cons of each. Also, should i choose their Target date fund or choose my own mutual finds? And if i choose my own, which ones should i choose? Im very new to all of this and really dont know how it works [link] [comments] |
| Married parents filed as head of household. What to do? Posted: 08 Jan 2022 12:16 PM PST Hello. Both of my parents are married and living together but filed both of their taxes as head of household (and have been doing this for many years). My dad took me and my brother as his dependents and my mom took my other two siblings as her dependents but both put the same address. Due to my dad's job, he's on the road for the majority of the year and only comes home once every couple of weeks or months so they've had communication issues as well. One of my mom's friends does her taxes for her and my dad has an accountant that does his. I've applied for financial aid now for colleges and they have contacted me about how this is an issue. My parents are immigrants and english is their second language so they didn't even realize they were making a mistake. I looked online and saw that if we amend the taxes, they would end up paying tens of thousands of dollars to the IRS because they've been doing this for a long time and may face jail time. We are low-income so we really can't afford this. What are our options? [link] [comments] |
| Posted: 08 Jan 2022 10:24 PM PST Reviewing 2021 spending, I spent a lot on groceries. I workout and keep active so I eat a bit more than the average person, but any tips for saving money on groceries? How much do you spend on groceries a month? [link] [comments] |
| Inheritance has given me a chance to set myself up OK--please help Posted: 08 Jan 2022 12:53 PM PST Hi all, PF noob here--please alert me to any improprieties. I recently received an inheritance of about $250K. I'm mid-30s, credit score is just under 700, BFA in a worthless field I don't work in, employed at roughly $60K/yr by total luck. I have no debt, no retirement, no other significant savings (life happens, alas). I have many questions and would appreciate any advice I can get on any of them.
Thanks in advance for any and all advice. [link] [comments] |
| Looking for financial software Posted: 08 Jan 2022 09:57 PM PST I want to purchase something that doesn't store my data in the cloud, doesn't require a subscription—just totally private—works well with CSV and Excel files, items can have custom labels, and allows me to see everything at once—maybe even run simulations or keep track of bills, too. I'm getting old and have a little bit of money in a bunch of places. Eggs/basket, right. My extensive "excel tracking" and my lack of understanding of complex money concepts is just overwhelming me. [link] [comments] |
| Posted: 08 Jan 2022 07:03 PM PST What are the, for lack of a better term, qualifications one should have to need professional help from a financial planner? At what point should someone be seeking one out? [link] [comments] |
| Underwater with student loan debt. Losing faith Posted: 08 Jan 2022 09:44 PM PST I'm scheduled to graduate university in May of 2023 with a bachelors of commerce (Major in finance) with close to $100k in student loan debt. I had relied entirely on student loans to fund absolutely everything (from rent, food, transportation, haircut, clothes etc). I will be 24 years old when I graduate and I'm worried how I can pay off this demon. Has others done it with just a bachelors degree? Im based in Canada (for salary perspective & other economic factors etc) and I'm bilingual. [link] [comments] |
| Selling items on behalf of another person liabilities Posted: 08 Jan 2022 04:18 PM PST I have a friend who is going through a tough time and is giving me tons of collectibles (video games, action figures, out of print dvds, and so on). The total dollar amount will be a few thousand. To help him out I'm going to sell them and give him the money. Would I be liable for taxes on the full gross of what I sell? I would be keeping nothing apart from my costs. [link] [comments] |
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