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Money Management

Discussion and tips on sound money management.

4597 topics in this forum

  1. Pay phones, dog parks, and bags of silver

    By hegemony,
    • 4 replies
    • 649 views

  3. Coupon & gift card working together

    By Sidewinder,
    • 1 reply
    • 492 views

  4. Bitcoin Creator Satoshi Nakamoto Could Be Unmasked at Florida Trial

    By hegemony,
    • 0 replies
    • 404 views

  5. Pandemic purchases: My family has regretted the bagpipes

    By hegemony,
    • 0 replies
    • 457 views

  6. No one in America knows the used tractor market better than Machinery Pete

    By hegemony,
    • 0 replies
    • 407 views

  7. What would you do?

    By auburnjosh,
    • 3 replies
    • 722 views

  8. Robinhood Data Breach

    By Burgerwars,
    • 3 replies
    • 624 views

  9. ‘We ain’t rich … I’m rich’

    By hegemony,
    • 0 replies
    • 536 views

  10. The Greatest Trade of All Time': $13,000 Worth of Shiba Inu Coin Bought Last Year Now Worth $5 Billion

    By hegemony,
    • 0 replies
    • 421 views

  11. W-4 Form Question

    By cputrwz,
    • 6 replies
    • 1k views

  12. USPS is trying out a new business, which could transform how millions access cash and pay bills

    By hegemony,
    • 5 replies
    • 839 views

  13. Visa Just Announced New Cardholder Perks, Including Free Access to Online Personal Finance Courses. Here’s How to Tell If Your Card Got Upgraded

    By hegemony,
    • 2 replies
    • 507 views

  14. Mortgage vs Investing

    By Trapped by Fico,
    • 4 replies
    • 968 views

  15. The Simple Problem That Sank Greensill’s Complex Financial Empire

    By hegemony,
    • 1 reply
    • 578 views

  16. Coinbase dives deeper into banking by letting users deposit paychecks into their accounts

    By hegemony,
    • 0 replies
    • 492 views

  17. Tax Refund

    By stlouis0226,
    • 5 replies
    • 1.7k views

  18. A Crypto-Trading Hamster Performs Better Than Warren Buffett And The S&P 500

    By hegemony,
    • 0 replies
    • 527 views

  19. wait........am I really on track to a 2million dollar retirement?

    By semidevil,
    • 3 replies
    • 692 views

  20. Is 500K( before growth and inflation) close enough for a comfortable retirement?

    By semidevil,
    • 4 replies
    • 828 views

  21. If you were offered your dream job, but it required a pay cut, would you still take it?

    By butterflywings,
    • 9 replies
    • 1.3k views

  22. Interactive Brokers Group Introduces Cryptocurrency Trading Through Paxos

    By hegemony,
    • 0 replies
    • 558 views

  23. The Grandmother Who Won Her Elder Fraud Case Against Her Grandsons (Beverley Schottenstein)

    By hegemony,
    • 0 replies
    • 531 views

  24. WSJ: Crypto Fans Borrow to Buy Homes, Cars—and More Crypto (BlockFi, Coinbase, DeFi)

    By hegemony,
    • 0 replies
    • 536 views

  25. Arkansas wind farmers claimed their technology was more efficient than turbines — then spent investors’ money on houses, cars and at Disney World

    By hegemony,
    • 0 replies
    • 538 views

  26. What Would You Do?

    By IndyPoolPlayer,
    • 7 replies
    • 820 views

  27. Gerrit Cole has a $324 million contract — here’s why the Yankees ace still drives his 2006 Toyota Tacoma

    By hegemony,
    • 2 replies
    • 647 views

  28. Zero stock trading commissions is becoming the standard. It's a race to the bottom. 1 2 3

    By Burgerwars,
    • 54 replies
    • 4.6k views

  29. The Great Resignation has prompted many workers to seek better opportunities

    By hegemony,
    • 1 reply
    • 991 views

  30. 3 reasons why you should be wary of banking with just one financial institution

    By hegemony,
    • 1 reply
    • 570 views

  31. Diaper Inflation Wrecks Already-Strained Family Budgets in U.S.

    By hegemony,
    • 5 replies
    • 950 views

  32. ‘Financially Hobbled for Life’: The Elite Master’s Degrees That Don’t Pay Off (pay wall)

    By hegemony,
    • 4 replies
    • 880 views

  33. Article: My son is 15 and just got his first job. How can I convince him to start saving for retirement?

    By Burgerwars,
    • 2 replies
    • 820 views

  34. A measure of how much of Americans’ income goes toward debt hit a 40-year low during the pandemic.

    By hegemony,
    • 0 replies
    • 626 views

  35. I can’t live on $709 a month’

    By hegemony,
    • 4 replies
    • 787 views

  36. couple quits jobs to rent out personal cars through app

    By hegemony,
    • 0 replies
    • 570 views

  37. Second Homes Are Overrated

    By hegemony,
    • 1 reply
    • 795 views

  38. CreditWise total available credit update?

    By juststac,
    • 4 replies
    • 937 views

  39. Hard Inquires with the lack of credit knowledge

    By Mortol01,
    • 4 replies
    • 1.1k views

  40. suggestions on saving strategy (on top of 401k)

    By semidevil,
    • 2 replies
    • 871 views

  41. Save this much if you spend that much...

    By Sidewinder,
    • 1 reply
    • 963 views

  42. Bill Gross: I don't like stocks or bonds

    By hegemony,
    • 4 replies
    • 1.5k views

  43. Pandemic Driving Is Still Down, but Will Insurers Grant More Relief?

    By hegemony,
    • 1 reply
    • 1.6k views

  44. Contribute to 401k while paying off debt?

    By DebtFreeIn04,
    • 9 replies
    • 2.5k views

  45. TransferWise to Change Their Name to Wise

    By Burgerwars,
    • 0 replies
    • 1.2k views

  46. GameStop, AMC, BlackBerry, et al.

    By Burgerwars,
    • 4 replies
    • 1.9k views

  47. Water Futures to Start Trading Amid Growing Fears of Scarcity

    By hegemony,
    • 7 replies
    • 1.9k views

  48. And the winner of the 2021 tax form availability race goes to...

    By hegemony,
    • 6 replies
    • 1.5k views

  49. Crypto exchange customers can’t access $190 million after CEO dies with sole password

    By hegemony,
    • 12 replies
    • 2.2k views

  50. Mike Novogratz Is Sticking With Crypto and His Bitcoin Tattoo #4Life

    By hegemony,
    • 0 replies
    • 1.1k views

  51. Robinhood User Says $300,000 Restored From Hack, Then Taken Back

    By hegemony,
    • 6 replies
    • 1.7k 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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