Recent comments in /f/personalfinance
TinCupChallace t1_j2e2ozj wrote
Reply to comment by fuck_all_you_people in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
Unless it was disclosed in the lease, it's not legal
Topher_86 t1_j2e2m11 wrote
Reply to Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
Firstly, attempt to send a check from your banks website instead for no fees.
Secondly, it’s likely an issue with their payment processor and their front end. Either someone selected percentage when they meant dollars or vice versa. Continue to highlight the error to them.
[deleted] t1_j2e2km9 wrote
Reply to comment by bigpipes84 in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
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Spiritual-Chameleon t1_j2e2gjf wrote
Reply to comment by OutlyingPlasma in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
But many restaurants now ask for tips for takeout orders, which feels like the same thing. We're not paying our employees enough with the prices we've established, so pay more please.
[deleted] t1_j2e2frb wrote
Reply to comment by crazywidget in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
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Thatoneguyonreddit28 t1_j2e29mg wrote
Reply to Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
Hi there, I work in payments here and this is very common. The logic behind charging payments is a literal drop down option to charging “actual” verses “percentage” unit amount. I’ve made this mistake multiple times and although very unacceptable for some people, it’s unfortunately common and part of human error, there’s hundreds, to thousands of merchant accounts each with their own unique pricing. Because of this, it must be eyeballed.
Not saying they’re not intentionally screwing you, but just that it happens, and it could be reversed.
limitless__ t1_j2e28ow wrote
Is only a good idea of you are already planning a 1k+ purchase. Spending 1k to get 200 is how you get in trouble.
fuck_all_you_people t1_j2e28dc wrote
Reply to comment by OutlyingPlasma in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
My property management company charges a $50 rent processing fee every month like it takes teams of people to get my money electronically
NorthofDakota t1_j2e2824 wrote
Reply to comment by jammun14 in What to do with emergency fund? by jammun14
High is relative. Regular savings accounts pay something like 0.01%. HYSAs are tied to the federal rate, so even 0.3%, which is what they were about a year ago is 30x higher.
AdditionalAttorney t1_j2e266x wrote
Reply to comment by SmoothCriminal2018 in What to do with emergency fund? by jammun14
Oh shoot. I commented on the wrong comment. I meant to ask OP.
mfball t1_j2e239d wrote
Reply to comment by orangewarner in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
It just sucks that somehow you're supposed to find the time and energy to become a part of a board you may want nothing to do with, just to keep them from exerting undue power over a really essential part of your life.
zwzwzw19 t1_j2e21pu wrote
Reply to Northwestern Mutual - Owe Money by K_b_lld
The slimiest company I’ve ever seen doing more slimy things. Surprise surprise.
plowt-kirn t1_j2e214w wrote
Reply to comment by Old-Energy-6638 in Use my own HSA instead of employer given HSA by Old-Energy-6638
Leave $1 behind so they don't close the account.
adjust_your_set t1_j2e214j wrote
2021 we bought a house and had a ton of spending associated with that. Furniture, repairs, carpet, etc. it adds up fast.
I’m pumped though that after a lot of work this year, all of our credit card accounts have a $0 balance today.
2023 is going to be a good year.
dacyman t1_j2e1yrq wrote
Reply to comment by BastidChimp in $50 isn't much, but I want to start somewhere. by lost_girl_2019
If he is unemployed, then I would suggest him to stay away from trading.
OutlyingPlasma t1_j2e1xfy wrote
Reply to comment by HotPoblano in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
Food vendors raise rates all the time but no one would pay a 3% food cost recovery fee when visiting a restaurant. Its the cost of doing business.
pzpzpz24 t1_j2e1tww wrote
Reply to comment by OutlyingPlasma in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
Too long ago.
trekologer t1_j2e1qxm wrote
Reply to comment by ry1701 in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
> Fire property management company.
This would be the ultimate F.U. to the management company. "Oh remember me? The person you kept gaslighting? Not only are you fired but we're suing you for fraud to recoup the excess fees you charged our members."
JJROKCZ t1_j2e1q3k wrote
Reply to comment by lost_girl_2019 in $50 isn't much, but I want to start somewhere. by lost_girl_2019
Time in the market beats timing in the market. Put whatever you can in when you can and don’t sweat too much over it. Anything you do now is a benefit to your older self
HotPoblano t1_j2e1p8n wrote
Reply to comment by OutlyingPlasma in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
When card brands increase rates and offer rewards cards that cost the merchant even more money to accept.
geekinkc t1_j2e1p3d wrote
Reply to comment by bigpipes84 in Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
This ^^^^^
On behalf of another resident that was being fined to the tune of $3400 for an unapproved tree planting. I called them all “petty little bitches” in a meeting. A few gasps, but even more applause…. They are now a much more realistic organization.
Always fight the HOA……
johnnyg08 t1_j2e1n8c wrote
Reply to Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
Easy. Take a screenshot. It's either there or it isn't.
And that's WAY too high of a fee for e-check.
Gwsb1 t1_j2e1n4y wrote
Reply to First Time Home Buyer by DaLeprechaunDon
Effing complicated. Get a lawyer. For example if you split up , not married, it's a WHOLE LOT more complicated than if you are married. Divorce law is well settled, but not "shacking up" law.
You may say ,"I'll never leave him/ her". But shit happens. IMHO get married first.
mfball t1_j2e1mlt wrote
Reply to Website for HOA payments clearly states a $3.25 fee, but has been charging me 3.25%. Is this worth fighting over? by Melodic_Language_890
This is where you get together every single person in your building/neighborhood/whatever that's subject to these same fees and let them know that for however long they've lived there, they've been getting overcharged x amount due to this fraud being perpetrated by the HOA. Sure, you might feel like the dollar amount isn't that much to you, but it's still money that rightfully belongs to you and not the HOA per their own rules, and it certainly adds up when you multiply that by every person paying it. I'm not a lawyer, but wonder what threshold it would need to reach before y'all would be able to file a class action suit. If it's a big HOA management type company on the backend, how many other people might be getting hit with these same bogus fee overages? It's worth fighting this and it's worth seeing how far it goes because HOAs are fucking evil.
mekistein t1_j2e2pln wrote
Reply to Can I use a UPS mailbox for my employer? by SmarterTogether
Should be an issue. There are providers online that have real addresses. Use those