In the process of getting a HELOC. Good credit, high income, ~45% equity in the house. Should be a no brainer.
Underwriter keeps kicking back my application because the gross income reported by my company is about $10K higher than my taxable income on my W2.
This is entirely because of pre-tax deductions for health insurance premiums and HSA contributions.
The keep getting hung up on this "discrepancy" and asking me if maybe I got a second W2 from my work that shows "the rest" of my income. I'm like "it's right there in Boxes 12c and 14 of my W2, don't you know how these things work? You're a **** bank for crying out loud."
EDIT: The escalation from the manager was rejected. I sent them a very politely worded nasty letter saying their underwriting department was costing them business by blindly implementing bad guidelines and am moving on.
It's time for Money In The Bank!
|Jeff Hardy vs. Cesaro||Singles match|
|Asuka vs. Shayna Baszler vs. Nia Jax vs. Dana Brooke vs. Lacey Evans vs. Carmella||Money in the Bank ladder match for a women's championship match contract|
|Daniel Bryan vs. Rey Mysterio vs. Aleister Black vs. King Corbin vs. Otis vs. AJ Styles||Money in the Bank ladder match for a world championship match contract|
|Braun Strowman (c) vs. Bray Wyatt||Singles match for the WWE Universal Championship|
|Bayley (c) vs. Tamina||Singles match for the WWE SmackDown Women's Championship|
|Drew McIntyre (c) vs. Seth Rollins||Singles match for the WWE Championship|
The New Day (Big E and Kofi Kingston) (c) vs. The Miz and John Morrison vs. The Forgotten Sons (Steve Cutler, Jaxson Ryker, and/or Wesley Blake) vs. **Lucha House Party (Gran Metalik and Lince... keep reading on reddit ➡
I recently received a loan for $xx,xxx and the loan was routed to my personal checking account but the next day my bank account was restricted. I can’t log in online or do anything for that matter I basically don’t have a bank account and Or money until the situation gets resolved. My paychecks are still being deposited but I can’t even touch the money I don’t know what to do help.
Edit: I talked to the bank and they said the situation should be resolved as quick as 2 business days and well up to 10 days. It’s been 4 days so far but I can’t wait I got bills to pay!
Edit2: I just want to thank everyone in this thread all of your advice was taking wholeheartedly. Apparently (without giving up to much information) the deposit was made with the wrong information, really didn’t know that was possible but so be it seems I have to wait the 10 days...
|ABNB Federal Credit Union||Deposited 4/15|
|Academy Bank||Deposited 4/15|
|Advancial Credit Union||Deposited 4/14|
|Advantis Credit Union||Deposited 4/15|
|Affinity Credit Union||Deposited 4/15|
|Alaska Credit Union||Deposited 4/15|
|Alliant Credit Union||Deposited 4/15|
|All In Federal Credit Union||Deposited 4/14|
|All South Federal Credit Union||Deposited 4/15|
|Ally Bank||Deposited 4/15|
|Altura Credit Union||Deposited 4/15|
|America First Credit Union||Deposited 4/14|
|American Express Bluebird||Deposited 4/10|
|American Express Serve||Deposited 4/10|
|American Heritage Credit Union||Deposited 4/15|
|American Savings Bank||Deposited 4/15|
|Amoco Federal Credit Union||Deposited 4/15|
|Arizona Central Credit Union||Deposited 4/15|
|Arkansas Federal Credit Union||Deposited 4/15|
|Armstrong Bank||Deposited 4/15|
|Arrowhead Credit Union||Deposited 4/13|
|Artisan's Bank||Deposited 4/15|
Just wanted let others know about and to say how helpful Ally's savings 'Buckets' are and the way you can split your savings account up into smaller sub-groups to view how your money is divided. When you look at the main page it shows all the money in your savings account together (ex. $5K), but when you click on the individual savings account it shows money split into your designated subcategories like vacation($500)/emergency savings($3K)/house down payment($1,500)/etc. I even have my recurring savings splitting up automatically into each sub-category each month.
When my money was previously lumped together I never wanted to spend anything because I had no clear picture of how much was saved for what, even when I knew vacations and other savings beyond just 'emergency' things were present. This actually was very conflicting for me because I couldn't easily see my progress with my savings. Now that its separated, I love it. I feel I can comfortably budget for a vacation, or a more ex... keep reading on reddit ➡
Today I decided to go to a bank and sign up for a new account. I was seated with a bank representative and went through the process of giving over sensitive and private information to him so that my credit could be checked and other things. Everything was normal, I wasn’t flirtatious and I didn’t think he was. Little jokes were made. My account was set. Then he gave me his business card and then wrote his personal number on the back. I didn’t think too much of it because I had a mask on the entire time and then I left.
About two hours ago I got a notification that someone added me on Snapchat. It was him. I know it was him because he has his first and last name as his username. The only way he could’ve added me is through my phone number.
My mom didn’t really find this inappropriate, more flattering. I’m kind of creeped out and wondering if I should report him? I’m thinking if he’s bold enough to add me on Snapchat merely hours after seeing me, he could be bold enough to do other th... keep reading on reddit ➡
Everyday I see massive amounts of people lining up outside of banks since the pandemic started. Really opened up my eyes to how many people actually still go to a Teller.
I haven't been to an actual teller in years. All my banking is done online. I understand that there's some stuff that should be done in person and some might be using the ABM, but I can't help but think that most of these people could have just stayed home
I work for a credit card company, and I commonly get calls from people who have been billed obscene amounts of money by unscrupulous rental car agencies several months after the fact. They claim the cardholder damaged the car even though it's six months later and no proof is supplied. Then we have to dispute the charges and contact the merchant, which can be a months long pain in the ass process. This can be avoided by simply changing your card number. That way, if they want to bill you, they actually need to send you an invoice instead of having instant carte blanche access to your money.
Secondly, when you rent a car, take an overly gratuitous amount of photos when you pick up and drop off the car. Inside, outside, under the hood, in the trunk, and each wheel. I mean, take so many pictures that you think it's too many, and then take a few more. We live in the future, folks. You can spare the space in your camera roll. In the event the rental car agency bills you, then they won't ha... keep reading on reddit ➡
Did you catch anything?
It's generally required for a parent to co-sign a minor's bank account in the US. Once you turn 18, the best course of action is to establish an account in your name ONLY so you have sole control of it. It would even be better if you can establish the account at a different bank/credit union than the one the minor account was in, to avoid any inadvertent connections between the previous and new account. Bank personnel can make mistakes and link up what they thought were similar accounts, or give close relatives unwelcome access to accounts in an attempt to be "helpful".
There are several reasons for this. Stories of people who are still using the accounts they had when they were minors who are shocked when their money is suddenly taken away for reasons beyond their control are not uncommon. Parents can have financial problems and either use the money to pay off their debts or the money is seized by the institutions that they owe. There could be disagreements between parents and their... keep reading on reddit ➡
So I went to Chase Bank and deposited 2170$ in cash, I went to the first regular ATM it wouldn’t take my deposit, so then I went to the machines that are inside the branch and they couldn’t take my deposit, so then I went to the last big machine inside the branch and it took my money and gave me back 70$ and said it couldn’t deposit the rest and printed out a receipt without including the amount that I had deposited, it just had my account number, and my card number but no amount and no balance through Chase. Been on the phone and they said they checked the ID and they only saw the 70$, not the other 2100$.
Kinda lost at this point honestly.
🔗 Official COVID-19 links: 🦟 NHS COVID-19 info · 🏥 NHS 111 online service · 🗂 Government guidance · 🧍♀️ Social distancing info · 🌡️ Guidance for people/households with suspected COVID-19 infection · 🌍 World Health Organisation's page for COVID-19 · 🙋♂️ NHS Volunteer Registration
🔗 /r/ukpolitics links: 🥕🥕 COVID-19 data dashboard... keep reading on reddit ➡
WayV is having their comeback on Music Bank today! Let's all discuss how the performance went here~
Links to the livestreams:
Translations for the interview (if applicable) will be done in the Live-subbing chat :)
Article based on this report from National Bank.
COVID has harmed a lot of people financially for sure, but it's cute that she somehow thinks she should be treated differently for breaking her 5 year mortgage term early.
I wonder how many people out there are similarly over leveraged, used to getting that air b&b money and won't rent month to month to a tenant, and renting rooms in her own home which is excessive space wise for a single mother with one child.
She claims she's lost all of her clients...yet people are still buying and selling so I am not sure why that is.
I wonder how many people out there rely on real estate for income and once that is gone, they are sitting ducks.
I switched to Meridian Credit Union from TD almost 4 years ago and it is the best financial decision I ever made. At Meridian, I get:
My main concern was lack of branches but I then realized that due the Exchange Network, I can use ATMs of any other Credit Union or minor bank w/o fees.
Credit Unions have DICO insurance, which insurances $250,000 as opposed to $100,000.
Credit Unions also are way more socially responsible, with their non-profit work and preferential small business rates.
And, unlike online banks, they still have branches (though I concede that online banks may... keep reading on reddit ➡
Sasha Banks and Bayley win after Sasha rolls up Bliss
Ok so here is the deal I have a rule about sharing financial details with anyone besides my husband unless there is a valid reason. Even my own parents are fuzzy on our income and such (they know a bit due to some specific family situations dealing with my disabled brother and legal things we needed to set up for him that involves that kind of stuff, but nothing more than is necessary, and they never cared beyond that).
However, JNMIL is always trying to get into our accounts through SO(32M). I'm (30F) starting a new job soon and she asked him how much more I'd be making. He fainted ignorance.
We are also trying to get her off of his college bank account, she keeps "forgetting" when she visits. We can't close it or put me on it without her getting off it. SO is growing frustrated at this one because he views financial things as a chore, so I handle most of it and show him at the end of the month (it was our happy compromises to keep him involved so he could handle it if he needs to... keep reading on reddit ➡
|Jeff Hardy vs. Cesaro||Singles match||Jeff Hardy|
|Asuka vs. Shayna Baszler vs. Nia Jax vs. Dana Brooke vs. Lacey Evans vs. Carmella||Money in the Bank ladder match for a women's championship match contract||Asuka|
|Daniel Bryan vs. Rey Mysterio vs. Aleister Black vs. King Corbin vs. Otis vs. AJ Styles||Money in the Bank ladder match for a world championship match contract||Otis|
|Braun Strowman (c) vs. Bray Wyatt||Singles match for the WWE Universal Championship||**[Braun Strowman](https://www.reddit.com/r/SquaredCircle/comments/ghcvmd/post_w|