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Money Management

Discussion and tips on sound money management.

4597 topics in this forum

  1. The Fatal Flaw in Your Retirement Plan’s Target Date Funds

    By hegemony,
    • 0 replies
    • 620 views

  3. Robinhood 1 2 3

    By Burgerwars,
    • 70 replies
    • 10k views

  4. CORRECTED 1099!!!!!! %#$RTDFG#$@#!!!!

    By hegemony,
    • 2 replies
    • 540 views

  5. A Billion-Dollar Crypto Gaming Startup Promised Riches and Delivered Disaster (Axie Infinity)

    By hegemony,
    • 0 replies
    • 531 views

  6. Fidelity will soon offer bitcoin as an option in 401(k)s

    By hegemony,
    • 2 replies
    • 741 views

  7. Sorry Savers, Banks Don’t Want Your Money

    By hegemony,
    • 1 reply
    • 792 views

  8. LOL AF: Man who paid $2.9m for NFT of Jack Dorsey’s first tweet set to lose almost $2.9m

    By hegemony,
    • 2 replies
    • 795 views

  9. Boomer couple bilked investors out of $5 million after claiming they had invented software to rival Microsoft that one employee called a ‘heap of junk’

    By hegemony,
    • 4 replies
    • 1.5k views

  10. NFT: Buying Jack Dorsey's first Tweet for $3 Million a Loser

    By Burgerwars,
    • 0 replies
    • 633 views

  11. The "Most Stupidest" Website to Sign-Up For a New Account Goes to Webull.

    By Burgerwars,
    • 0 replies
    • 585 views

  12. Bank Deposits Could Drop for First Time Since World War II (pay wall)

    By hegemony,
    • 0 replies
    • 515 views

  13. Biblical tax cheat pleads guilty to filing for $2.9 billion in phony refunds to buy five-bedroom house, Mercedes Benz and Cadillac Escalades

    By hegemony,
    • 0 replies
    • 528 views

  14. Not sure where the math/reasoning error is in here:

    By Sidewinder,
    • 7 replies
    • 1k views

  15. A receipt for 'invisible' art could fetch $500K (Yves Klein's NFT LOL )

    By hegemony,
    • 0 replies
    • 533 views

  16. Smartest/least stupid way to pay late Federal taxes

    By Sidewinder,
    • 5 replies
    • 838 views

  17. The money orders thread

    By Sidewinder,
    • 0 replies
    • 570 views

  18. Verto announces expansion of currencies offering for instant cross-border payments worldwide

    By hegemony,
    • 0 replies
    • 530 views

  19. How Tom Brady’s unretirement cost one memorabilia collector $518,628

    By hegemony,
    • 2 replies
    • 676 views

  20. Bill would raise slot jackpot tax report threshold to $5,000

    By hegemony,
    • 2 replies
    • 724 views

  21. How To Read Your Paycheck To Make Sure It's Correct

    By hegemony,
    • 0 replies
    • 583 views

  22. Ponzi scheme behind patriotic vodka bilked investors out of $900,000

    By hegemony,
    • 1 reply
    • 662 views

  23. Rise in Non-Covid-19 Deaths Hits Life Insurers

    By hegemony,
    • 1 reply
    • 622 views

  24. SoFi to offer debit card transaction account.

    By Burgerwars,
    • 10 replies
    • 1.9k views

  25. U.S. Interest Rates Have Soared Everywhere But Savings Accounts

    By hegemony,
    • 0 replies
    • 618 views

  26. Don't panic if you got a scary IRS notice

    By hegemony,
    • 0 replies
    • 617 views

  27. Best use of extra money during credit repair

    By inthematrix,
    • 1 reply
    • 612 views

  28. Plaid might owe you money if you use any of these banking or financial apps

    By hegemony,
    • 1 reply
    • 721 views

  29. ‘THESE cases are GOLD!!!’ — Couple bilked insurance companies by billing $65M in breast enlargements and nose jobs as medically necessary

    By hegemony,
    • 1 reply
    • 640 views

  30. Dürer drawing bought for $30 at yard sale worth more than $10 million

    By hegemony,
    • 0 replies
    • 580 views

  31. E-Trade - 69 minute wait on the phone.

    By Burgerwars,
    • 1 reply
    • 629 views

  32. Wealthfront to offer automated financial planning tool for free

    By hegemony,
    • 2 replies
    • 986 views

  33. Crypto Secrecy Makes DeFi a Financial Felon’s Wonderland

    By hegemony,
    • 0 replies
    • 585 views

  34. I cosigned student loans for my son, but he dropped out of school, and now I’m struggling with $50K in debt. What should I do?

    By hegemony,
    • 7 replies
    • 791 views

  35. No, Wharton students, the average U.S. worker does not make $800,000

    By hegemony,
    • 1 reply
    • 688 views

  36. Crypto.com hacked. Customers' crypto stolen.

    By Burgerwars,
    • 0 replies
    • 572 views

  37. Why inflation can actually be good for everyday Americans and bad for rich people

    By hegemony,
    • 2 replies
    • 707 views

  38. CD Laddering - What's the point?

    By Burgerwars,
    • 4 replies
    • 952 views

  39. Looking for a financial New Year's resolution? These ideas may help

    By hegemony,
    • 1 reply
    • 605 views

  40. And the winner of the 2022 tax form availability race goes to...

    By hegemony,
    • 0 replies
    • 477 views

  41. ‘Biggest crash in world history’: snake oil salesman Robert Kiyosaki predicts economic crisis in October

    By hegemony,
    • 6 replies
    • 1.2k views

  42. Anti-tax extremist hid his fortune from the IRS while living on food stamps

    By hegemony,
    • 4 replies
    • 785 views

  43. Pickpockett - I mean Hyatt

    By Sidewinder,
    • 2 replies
    • 585 views

  44. pawnbroker license auctions for nearly $2M

    By hegemony,
    • 4 replies
    • 782 views

  45. Prepare to Live on $33,000 a Year If You Retire With a $1 Million Portfolio

    By hegemony,
    • 6 replies
    • 1k views

  46. Does Motley Fool think we're a bunch of fools?

    By Burgerwars,
    • 2 replies
    • 541 views

  47. The quick and easy way to lose your life savings

    By hegemony,
    • 2 replies
    • 650 views

  48. What Is The Best Way To Use My Line of Credit.

    By Yoshimura,
    • 7 replies
    • 1.5k views

  49. Errant quotes made cryptocurrency investors ‘quadrillionaires’ on paper today. Here’s how the crypto community reacted.

    By hegemony,
    • 1 reply
    • 395 views

  50. Are you healthy enough to retire?

    By hegemony,
    • 1 reply
    • 721 views

  51. They aren’t poor exactly, but tens of millions of hardworking Americans struggle to pay the bills

    By hegemony,
    • 2 replies
    • 578 views

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  • Our picks

    • Collections, but Comcast didn't let me pay.

      FixTheProblems posted a topic in Credit Forum,

      Hello good folks,
       
      Background: last October, Comcast locked my account because *a stranger* (mistakenly) paid for it with a credit card, and later disputed the charge with their credit card company and did a chargeback. Comcast made it so I couldn't use any type of credit/debit cards to pay. It took some give months to even expose this issue, as agents didn't know why my account was locked. I cancelled my account but they still wouldn't let me pay. Eventually, they sent it to collections, which very promptly hit my credit history with a "Collections" derogratory record.
       
      Unfortunate timing, because I'm in the market right now for a mortgage. Without this note, my credit history is close to perfect, with FICO8 of 835+, and VantageScore3 of 810+.  With this, the scores drop to about 710 and 760 respectively. Meaning, either mortgage denial or higher interest rate, leading to huge sums wasted.
       
      My questions are:
      1) What is the best way to get this rectified and get this record off my history?  
                  - Is it possible to do a "pay for delete"?  
                  - Should I be talking to Comcast or to the collections agency?  
                  - Is there something I need to to in the interim, like disputing the record?  
                  - What would be the fastest way to deal with this? Ideally, I want to apply for a mortgage in the next week if possible. If not possible, in the next 3-8 weeks.  
       
      2) Are there particular mortgage lenders that use a more favorable scoring so this one single negative record doesn't hurt my mortgage rate?  
                  - My understanding is, FICO8 has this 120+ point drop for the first negative record, while other scores (like VantageScore3) doesn't drop so dramatically. Is this correct?
       
      Thank you very much in advance.
      • 67 replies
      MarvBear

      Picked By

      MarvBear,

    • Titty Bank Wants More Smoke

      RehabbingANDBlabbing posted a topic in Credit Forum,

      So my DH had a Citi/Best Buy card that was charged off in 2017. After beginning our credit repair process, I noticed the account was reporting the payment history inaccurately on Equifax and Experian. We disputed many times, then ended up suing them for FCRA violations. They settled the case by forgiving the debt and deleting the account from all reports.
       
      But now they’re back! In 2020, they sent us a 1099-C for an amount just a little bit shy of the balance. I believe it was just the principal balance, which amounted to $4,600. Well, as you know, it’s tax season. And who decides to send us another 1099-C for the same account/debt? Titty bank. They put the full amount of the debt this time; which was about $600 more than the first 1099-C they sent.
       
      I have consulted my lawyer because it seems illegal for them to write off the same debt twice. He has advised we should sue them again. While I’m sure we can win the case, litigation and settlement takes about a year to do, based on our past experiences. It ended up costing us an extra $1,200 in taxes this year. What do y’all think? Should we spend more time and effort on this situation? I’m pretty sure Titty also violated terms in our settlement agreement for the FCRA case as well, in regards to them not pursuing further collection activity.
       
      Any advice would be appreciated.
      • 24 replies
      MarvBear

      Picked By

      MarvBear,

    • American Express Member Since

      MP80 posted a topic in Credit Forum,

      I have come across a credit topic involving data point information that concerns AmEx's D* policy (which no longer exists) which triggered and raises an important question that may be of interest to anyone who has an AmEx credit card in their relationship history with AmEx.

      This is to give credit and courtesy to an excerpt from the @cashnocredit post...
       
       
      "I had an Amex in 1974, which closed in the early 80s. Opened a new one in 2011 but they didn't backdate me then. Had no record of it (which was always paid on time)."
       
      Question? 
       
      Does AmEx have all your previous applications and cards approved and store all positive and negative data indefinitely?
       
      • 42 replies
      MarvBear

      Picked By

      MarvBear,

    • Vig's Points, Miles, Cash Back, Earnings, Redemptions, and Shenanigans 2023 Edition

      TheVig posted a topic in Credit Forum,

      I decided to continue another year of my glorified spreadsheet. 2022 was a disappointment in the shenanigans dept. Most of the dive hotels I stay at did remodels during the pandemic. Not too many WTH moments. Disciplining myself to go under 5/24, allowed me to add a Chase CSP and CFU to the mix in 2022. The various dumpster dive apps I use paid off. To the tune of about $2000 in value.
       
      Inflation being what it is, I'm more hyper sensitive than ever on what spend goes on what card, to maximize spend multipliers.
       
      Credit Cards:
      Amex Gold & Every Day MR 441,390
      Amex Delta SkyMiles 205,415
      Citi MileUp MC American Airlines 69,345
      FNBO Amtrak Guest Rewards MC 135,948
      Chase CSP / CFU Signature Visa UR 101,559
      Chase IHG Traveler MC 66,064
      BofA Customized Cash Rewards Visa (3% Travel) $0.88
      Citi Double Cash MC (2% CB / TYP Everything) 21,186
      Citi Premier MC Thank You Points 34,280
      Choice Privileges Visa Signature 360,660
      WF Active Cash Signature Visa (2% CB Everything) $87.44
       
      Shopping Portals and Apps / Stacking Opportunities:
      DOSH (CB) $18.56
      Rakuten Amex MR Earning. Pays out quarterly. Points Pending: 6857
      Fetch Rewards (GC) 27,439 Points
      Ibotta (CB or GC) $7.65
      Upside (CB or GC) $14.15
      CoinOut (CB or GC) $8.65
      Payce (CB) $18.97
      Receipt Hog (CB or GC) 3156 Coins
      Receipt Jar (GC) 2013 Points
      Receipt Pal (GC) 4725 Points
      Shell Fuel Rewards (Earning AA Miles 2miles/gal.)
      Starbucks / Delta SkyMiles (Earn 1 SkyMile for every $1 spent at Starbucks)
      AA Simply Miles
      Airline / Hotel Dining and Shopping Portals
       
       
      • 170 replies
      MarvBear

      Picked By

      MarvBear,

    • When will this last baddie actually drop off??

      tps7c posted a topic in Credit Forum,

      Hi Everyone!
       
      I have one last bad account, unfortunately a repo, that is still on my Experian and Equifax reports. Before Experian changed their report format, at some point last year the repo account said "on report until April 2023." Well, it's April and it's still showing. Could it be until the END of April? Would it be worth calling Experian's backdoor number and asking about it? Maybe sweet talking them to delete it early? lol
       
      What do you guys think? In comparison, this account was scheduled to drop off my Transunion report in January and was gone in December. Equifax is the worst and it show dropping from the report in July. 
       
      Thanks guys!
      • 15 replies
      MarvBear

      Picked By

      MarvBear,
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  • Posts

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