Please help contribute to the Reddit categorization project here


    + friends - friends
    1 link karma
    46,944 comment karma
    send message redditor for

    [–] 160k in Student Loan Debt rankinfile 2 points ago * (lasted edited an hour ago) in personalfinance

    So much wrong with blindly following any “method”.

    Say I have six credit cards, 30 yr. mortgage, three 10 yr. student loans, 5 yr. auto loan.

    3 cards at 9%, 3 cards 0%, 6% mortgage, 11% student loans, 10% auto loan.

    Strict Avalanche says always pay student loans first and put off 0% cards as long as possible. What if I pay off 0% cards first, close them, and then pay down 9% cards if it helps my credit score go up? Keep the older accounts and bring down utilization.

    Now a year or two into my 10 yr. plan I can possibly refinance the mortgage at better terms with better credit.

    Post save button error:

    Now I can possibly renegotiate other terms on other loans. Perhaps lower mortgage costs allow me to contribute to tax deferred account and the tax savings can be applied elsewhere. Etc, etc, etc.

    Figuratively, and literally, a single snowball can start an avalanche. Maybe you need to roll a snowball halfway down the mountain to start the avalanche at all. Maybe the avalanche stops halfway down the mountain and snowballs will clear the mountain faster at that point. The point is to get to the bottom of your mountain of debt in one piece with tolerable risk as quickly as possible.

    [–] CA: I was assaulted by a roommate and landlord wants to kick us both out. rankinfile 2 points ago in legaladvice

    CA requires 60 day notice if you’ve lived there more than a year. 30 day if less than a year.

    [–] [MN] Car dealership tried to scam me with service, everything caught on dashcam with additional derogatory comments towards me rankinfile 4 points ago in legaladvice

    Sub rule #9

    Advice to contact the media or otherwise publicize a legal problem will be removed. This includes advice to post to social media for the purpose of seeking publicity. Advice to directly contact a company via an official social media channel for customer service purposes is permitted, where appropriate and in the moderators' discretion.

    [–] [PA] I'm an international who came to the USA with a J1 visa Summer Camp Counselor, I had a knee injury during work and now I require an ACL surgery, I know this is covered by Workers Compensation since the entire camp saw when this happened, but now camp wants me to have the surgery back home. rankinfile 27 points ago * (lasted edited 19 hours ago) in legaladvice

    Did employer report it as a work injury? First talk to the doctor treating you and make sure it’s under Workers’ Comp. You can also check with State of PA:

    You probably don’t need a WC attorney unless you can’t get treatment or benefits. You could call a few and see if they’ll give you a free consultation though and have some contacts in case you do need them.

    Sounds like you may need advice of immigration/visa attorney more to make sure you don’t violate terms of visa.

    Some workers comp plans require you to go through employers provider for a certain amount of time and then you can switch doctors. Maybe you can get surgery in PA and get rehabilitation therapy in FL. Or in the worst case, get rehab at home. You sure don’t want to wait a year for medical care though, that could make a big difference in your long term recovery.

    P.S. contact your embassy/consulate. They may be able to help.

    [–] Tennessee: My parents’ landlord won’t let them take their appliances with them when they move. rankinfile 43 points ago in legaladvice

    That’s in your favor. Is it common in Tennessee for rentals to come furnished with appliances? I know it varies with location and most every lease I’ve had spells out appliances and who is responsible for them.

    I say take them. Appliances can be a big expense for new homeowners. I understand just leaving them and walking away though.

    [–] (California) Stopped yesterday and drugs were found, given citation but can they still charge me later? rankinfile 2 points ago in legaladvice

    Ya, they can file charges later. Cops can lie to you. The fact that officer didn’t field test it or cite/arrest you is good news, but doesn’t mean they can’t add charges later.

    I’d get a lawyer just for the open container, so tell them this information.

    [–] My friend is a Vietnamese citizen and she had a child with an American, she flew the child to America to meet the fathers family, and the father has refused to fly him back, or help her with a visa. Is there anything she can do? rankinfile 2 points ago * (lasted edited a day ago) in legaladvice

    Not clear if child is US citizen. If child was not born in wedlock, US citizen father would have to establish paternity.

    Birth Abroad Out-of-Wedlock to a U.S. Citizen Father – “New” Section 309(a)

    A person born abroad out-of-wedlock to a U.S. citizen father may acquire U.S. citizenship under Section 301(c) or 301(g) of the INA, as made applicable by the “new” Section 309(a) of the INA if:

    A blood relationship between the person and the father is established by clear and convincing evidence; The father had the nationality of the United States at the time of the person’s birth; The father (unless deceased) has agreed in writing to provide financial support for the person until the person reaches the age of 18 years, and While the person is under the age of 18 years -- the person is legitimated under the law of his/her residence or domicile, the father acknowledges paternity of the person in writing under oath, or the paternity of the person is established by adjudication of a competent court. If you have questions about the contents of this section or related citizenship laws you should contact a private attorney.

    P.S. The mother should probably pursue this even if child isn’t returned to make sure child’s citizenship is clearly recognized in one or both countries. Don’t want to see another 18yo looking at being deported through no fault of their own.

    [–] I got charged with a 2nd DUI at the beginning of the month and my first court date at the end of the month. Need help with finding a lawyer with legal fees that are manageable. rankinfile 5 points ago in legaladvice

    You can check your case details here:

    Who represented you in your first case? You may be better off with a public defender if you qualify. You can search for local private attorneys and see if they will give you a free/cheap consultation. Placer has only three courthouses, so there should be some local attorneys that handle DUI on regular basis. You could consult with the public defender and then make a decision if you want to hire a private attorney also.

    Public defender may get you as good as outcome as private and it sounds like you should be investing your money and time into drug treatment anyway. Ask if there are any treatment programs the court can help you with.

    [–] [UT] Dodge Ram Ecodiesel Recall - Dealership offering to come get the truck to fix the recall it was already taken in for rankinfile 2 points ago in legaladvice

    Take it to any dealer you want if you don’t trust that one. I don’t see them screwing around with a recall as the manufacturer is paying and it’s a legal liability to them.

    You can check recalls here:

    [–] TIL the tallest wave ever recorded reached 524m when it struck land. This is the height of building 1 of the World Trade Center (including the antenna) rankinfile 5 points ago in todayilearned

    Can’t find the paper that goes into more detail about how the glacier may have contributed.

    Sounds like the first slide definitely caused a wave that damaged the glacier, and then the glacier may have enhanced the wave or caused second? Don’t think they have solved it yet.

    [–] TIL the tallest wave ever recorded reached 524m when it struck land. This is the height of building 1 of the World Trade Center (including the antenna) rankinfile 22 points ago * (lasted edited 2 days ago) in todayilearned

    Wiegel's and Fritz's research reinforced Miller's observations as well as Ulrich's eyewitness account of the massive wave in Gilbert Inlet. However, Steven Ward and Simon Day of UC Santa Cruz felt that the Gilbert Inlet slide alone could not account for the size of the wave that swept through the outer bay or the amount of material deposited at the bottom of Gilbert Inlet. Their 2010 paper describes a possible double slide, where the destruction of the toe of Lituya Glacier triggered a much larger, slower submarine slide of glacial deposits after the initial rockslide. Proving this would require surveying the bottom of Gilbert Inlet to measure and date the layers of sediment. In other words, 60 years after the Lituya Bay tsunami, we are still working out how it happened.

    Edit At 22:15 hours PST on July 9, 1958, which was still daylight at that time of year, an earthquake with a magnitude of 7.9 struck the Lituya Bay area. The tide was ebbing at about plus 1.5 m and the weather was clear. Anchored in a cove near the west side of the entrance of the bay, Bill and Vivian Swanson were on their boat fishing when the earthquake hit:[10]

    With the first jolt, I tumbled out of the bunk and looked toward the head of the bay where all the noise was coming from. The mountains were shaking something awful, with slide of rock and snow, but what I noticed mostly was the glacier, the north glacier, the one they call Lituya Glacier. I know you can't ordinarily see that glacier from where I was anchored. People shake their heads when I tell them I saw it that night. I can't help it if they don't believe me. I know the glacier is hidden by the point when you're in Anchorage Cove, but I know what I saw that night, too. The glacier had risen in the air and moved forward so it was in sight. It must have risen several hundred feet. I don't mean it was just hanging in the air. It seems to be solid, but it was jumping and shaking like crazy. Big chunks of ice were falling off the face of it and down into the water. That was six miles away and they still looked like big chunks. They came off the glacier like a big load of rocks spilling out of a dump truck. That went on for a little while—it's hard to tell just how long—and then suddenly the glacier dropped back out of sight and there was a big wall of water going over the point. The wave started for us right after that and I was too busy to tell what else was happening up there.[10],_Alaska_earthquake_and_megatsunami

    P.S. it seems the survivors weren’t sure how many waves because they were too busy trying to live.

    [–] My mom is trying to outsmart a scammer and I doubt it'll work rankinfile 1 points ago in personalfinance

    Call the bank immediately and have them freeze/close all accounts. Open a new account at a new bank.

    [–] Options for getting rid of leased vehicle? rankinfile 1 points ago in personalfinance

    Might get a better price or quicker sale in SoCal. The difference may cover the cost of a rental to Portland.

    [–] Roth vs Traditional (hopefully more interesting of a scenario?) rankinfile 1 points ago in personalfinance

    First look for a fee only financial planner. Someone who has a fiduciary obligation. Later you might want a percentage or other type planner, but for now get one that sells you advice, not investments.
    They may be an accountant or have one in house also.

    Now is the time to find professionals you can trust. The stakes are lower and you have more time to educate yourself and/or recover if you do get bad advice.

    [–] Roth vs Traditional (hopefully more interesting of a scenario?) rankinfile 1 points ago in personalfinance

    Ya, assuming $2k a month, dump everything you can this year into 401k and next year you can just about max out 2019 IRA and 2020 401k.

    Adjust Trad v Roth when income goes up. You might want to start researching accountants, lawyers, and financial advisors now as it sounds like you’ll need them in future.

    [–] Need to sell financed car, but I recently side swipe a construction wall on the highway and damaged it. rankinfile 3 points ago in personalfinance

    Still drinking? Even if not, you should look into counseling, 12 step, someone you can open up to, etc. Your compulsive behavior has gotten the best of you.

    Still owe on car? You could sell car, get roommates, sell other possessions, etc. Although it won’t matter if you don’t control your spending. Again, it seems you need to first sit down with someone that has your best interest at heart and start to unravel what you want in life.

    [–] Person refused to hand over my dog unless i paid £xxxx rankinfile 1 points ago in LegalAdviceUK

    Yanks buy into the frivolous lawsuit meme themselves. It’s mostly bullshit. You’re not getting high awards without actual high damages and a good lawyer. You’re not getting a good lawyer unless your case has merit and they have a high chance of winning.

    [–] My employer is skimming my 401(k) - both my contribution and his match rankinfile 2 points ago in legaladvice

    In addition to other advice, start looking for another job. The wage theft should also qualify you for unemployment benefits if you quit or are terminated.

    You should check your Social Security account to make sure deductions are going there. You can check unemployment insurance through your state and/or US Department of Labor. I assume income taxes are getting to IRS and state since you’ve been there three years.