In his employment paperwork it will set out how long the policies need to be in place before there is no reverse commission charge. You need that info before you can determine if it is owed, but it likely is a valid charge back.

This is definitely what should be done. Muuuuch easier, no fees of any kind.

I do this, and I'm the VP of our association. In April I time-out on eligibility to serve. Those fuckers in he neighborhood can fuck the fuck off then. It's a thankless job. We've put so much money in their reserve to cover future repairs and all they do is bitch about how much the dues are. We've had all the streets re-paved at a good 15% savings, street lights updated to LED's, power generator added to the lift station to keep it working during hurricane, storms, power outages, and still, they bitch about how the lawn guy scalped their yard on time. I'll be going to the meetings and hold the new board accountable.

Lmao I’m at 140k and I refuse to pay more than $1600, they shouldn’t be paying 1.5k at a 55k salary. I agree they need a roommate or need to live at home

What are you using to check your scores? Is it a Vantage score? Did you finish paying off a loan? Did you open a new account? Did you have a new inquiry?

It could be any number of things.

Take a screenshot as others have said. Search for "snipit" on your computer if you're unsure how

As others have said then just start mailing them checks

The expensive hoa is annoying in itself but 3.25% "processing fee". That's bs

Ally, Discover, Capital One, Marcus and AMEX

Hera dropped by 90 points we checked transunion a s there is no new items in there. She did get an Amex Platinum but we have been paying it off the past 2 months.

I met my now wife while she was in a similar situation (recently broken up, moved into an apartment she could barely afford under the pretense that she needed to learn to live alone).

That was close to 10 years ago.

When she talks about that apartment, she’s not regretful, but she wishes she had lived at home for 6 months, saved up money for a down payment, then bought a place of her own. But again, hindsight is 20/20 and you’ve got to do what you think is best for you.

You may find these links helpful:

• Retirement Accounts
• "How to handle $"

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Yeah already starting to plan that one 😅

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Thank you. Yes, two policies lapsed so they have sent an invoice for the commissions they paid. Good to know it’s common as this was a new field for us.

Of course!! Sorry for the other snarksters, I’d had my coffee 😜 also congrats on your savings goal!! Just in time for a new one hahah

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I would save another 60-90k cash.

The leverage to negotiate has never lost its power.

1 year of super saving will create a better future for yourself and your daughter.

Like any company that offers a sign-up bonus, they're (correctly) anticipating that the vast majority of customers won't bother switching after the promo period is up.

I assume when they say "Reversed policies" it means customers canceled policies soon after buying them. If that is the case, clawing back commissions paid to the advisor is common. I have no experience with Northwestern to give insight into how hard they will push to collect this money. I would guess that they will be aggressive.

I hope your new year is filled with success and peace

Good to know, thanks!

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Generally CDs have very minor penalties for withdrawing early such as reversing the last 2 or 3 months interest they pay out. IBonds are fairly similar as well. Just wanted to point that out, good luck!

I keep mine in a separate banks savings account and hve it linked for emergencies. With the way things have gone the past year I’ve needed it

Why don't you buy a condo and put that money toward a mortgage?

Why not use your bank's bill-pay system to auto-issue drafts every month. Schedule them for issuance 7-10 days before the first of the month.

Even if you prevail in resolving $3.25 vs 3.25%, you're still stuck paying a fee using their bullshit portal.