I'm in a little bit of a conundrum. I have both a Roth IRA and an Individual Brokerage Account with Charles Schwab. I also had a retirement account worth $15,000 including a Roth 401k with John Hancock, but then I changed jobs. I decided to roll the money from John Hancock over to Charles Schwab to make things more simple by having everything with the same institution. They said they would send me two checks made out to Charles Schwab. I looked today at my John Hancock account and it now says my balance is $0, so I'm guessing they have issued the checks. John Hancock said there will not be a 20% tax because it is a rollover. However, I called Schwab and they said there would be a 20% tax. I kept asking questions about it, but the gentleman said to consult a tax specialist. I don't have a tax specialist and I'm not trying to spend a lot of money to consult one. Also, Charles Schwab said the checks need to be for the exact amount going into the Roth, and the exact amount going into the Individual Brokerage Account. I never gave those numbers to John Hancock. What would you guys do in this situation? I really don't want to lose $3,000 due to taxes if I can avoid it. Also, can I trust Charles Schwab to give me the best advice for me here since they have a personal interest in getting the money into their bank?

This happened a bit over a year ago. I was driving my girlfriend and her coworker to work and pulled over near the curb to let them out, at the same time another driver starts backing up so I lay on the horn but he hits my car my girlfriend and her coworker both were still in the car when it happened and saw everything. We get out and they are not communicating at all and possibly didn't speak english. Police were called and they didn't show up for over an hour and he eventually started trying to drive off. I follow through for half a block and he stops and backs up into me again. His "son-in-law" came after I guess they called him and he started trying to gaslight me into believing I hit him and theres no proof and that police aren't going to come. LOL. Police eventually pulled up and the other driver started to feign a heart attack or something. They even called the ambulance and the EMT didn't look pleased... I got the police report, report states: **"V1 STATES HE WAS PARKED WHEN V2 WAS REVERSING INTO A PARKING SPOT COLLIDED CAUSING DAMAGE TO FRONT BUMPER. V2 STATES HE WAS TRYING TO TAKE A PARK IN SPOT WHEN HE COLLIDED INTO V1. V2 CLAIMS THAT V1 WAS NOT THERE ARE THE TIME HE WAS REVERSING. V2 DRIVER WAS TRANSPORTED TO BOOTH MEMORIAL FOR CHEST PAINS. PO DIDN'T WITNESS"**. I got the insurance info and drivers info from the police report, called their insurance to make a claim. They instructed me to go to this auto shop and get a quote for damages, went there, the shop said they will call me about the quote. I never heard from the body shop again even after calling them they said they'll send it and never did, the insurance company never again picked up my calls after weeks of calling. I have liability insurance, with Geico and they said to file the claim with their insurance. This is in NYC, the other driver had NY plates but insured by a NJ company "Plymouth Rock Auto Insurance" Due to my girlfriend and I living together, Geico requested me to add her as a secondary driver, I told them she does not even have a license to drive and of course never drive my car. They sent numerous letters and emails about this. Each time I replied online and called in to explain that to them, they acknowledged and I thought that was over. They ended up dropping me, and I didn't even realize for nearly a month and then I was fined by NY for driving without insurance. Paid the penalty and started looking for other insurance. Nobody was willing to cover me due to a gap in coverage, possibly the accident being reported, etc. I was only offered to be insured by GEICO AGAIN LOL. They doubled my rate for liability insurance nearly $400 a month and I've been paying that since. Need advice on how to get what I'm owed for the damages they caused to my car.

So I reside in Minnesota, our loan company is Mr. Cooper. We are behind a little bit February and March, but will come through before the end of the month to fully catch ourselves up again. They sent me an email stating our loan is in default? How is that possible when it states we are barely in their words 39 days late on the payment? Can they default our loan just for that? I’m going to be calling tomorrow to ask since we’re paying the full amount before the end of the month if it’s okay. But I really can’t wrap my head around the fact they defaulted so quickly. Has anyone else dealt with something like this? Or specifically this company? Much appreciated for answers!

This is not a rant, just a breakdown of some shady payment manipulation Citi, and perhaps other banks, are pulling with their system. I caught them trying to sneak interest charges on me and got gaslit by their customer support when I called them out. I used Citi Flex Pay, which is a low interest installment plan that lets you break up large purchases. My last statement balance was \~$1800, with \~$1200 of that being on the Flex plan. This means that my actual non-flex purchases were only \~$550, so to avoid interest, I just needed to pay that amount plus my current Flex installment (which came out to $749.15 total). Here is where they tried to screw me over: Instead of giving me the actual amount needed to avoid interest, they suggested I pay $578.67, labeled as "Remaining Adjusted New Balance + Flex Plan Monthly Payment." Looks reasonable, right? Wrong. That number doesn't actually clear all of my non-Flex charges. It leaves about $200 unpaid, which rolls over and starts accruing interest, exactly what I was trying to avoid. After double checking my math, I called support to see if I was doing the math wrong. This is where they straight-up lied to me. The rep swore up and down that $578.67 would cover everything except future Flex payments (it doesn't). He told me I must have done my math wrong (I didn't). He said I must not have read my statement correctly (I did). When I told him (verbatim), "If I pulled shit like this with a client, I would be fired," he doubled down. Then he offered to take my payment over the phone, as if I would trust them at this point. I just said goodbye and hung up. This is no mistake: Citi is intentionally misleading customers to trick them into paying just slightly less than what's actually needed to avoid interest. If I had not checked the numbers, I would have unknowingly left a balance that would have started accruing interest. They know most people won't do the math and will just trust the suggested payment amount. **This is how banks squeeze money out of people who think they are paying their balance in full.** The takeaway from this: If you use Citi Flex Pay (or any structured payment plan), do your own math. Don't just trust their suggested payment. To avoid interest, you must pay: (Non-Flex Portion of your last statement) + (This month's Flex installment). If you are unsure, manually check your statement and confirm where every charge is coming from. If Citi (or any other bank) tells you a different number, ask them to put it in writing. (Spoiler alert: they won’t, because they know they’re misleading you). The only way to avoid getting screwed is to double-check their math and never assume they have your best interest in mind. I’m sharing this because most people assume their bank is doing the right calculations for them, but they’re not. If you have a Citi Costco Visa or any card with Flex Pay, always verify before paying.

Hello. In December 2024 I enrolled in health insurance with United Health care through my employer during open enrollment. Benefits were to begin 1/1/2025 and my premium was to be $54.44. I noticed on my recent paycheck that my premium had more than doubled. I never received notice of this premium increase and only realized it had happened because my paycheck was smaller. I called them and they said the increase was because they "recalculated my information and saw an adjustment was needed." I demanded they cancel my plan, as I had not agreed to this premium. They said I wasn't allowed to cancel until the next open enrollment period with my employer in December 2025. They said they would open an appeal on my behalf and created a ticket, but I’m doubtful it’s going to make a difference, they will likely just reiterate what they already said and not allow me any recourse. Are they allowed to do this? Do I have any options in this situation or do I just have to accept that they can charge me whatever they like throughout the course of the year? I was not aware rates could change mid-policy like this. I am 48 and healthy. I have a nearly $10,000 deductible, and don’t go to the doctor for anything outside of my yearly checkup because I cannot afford to pay for anything out of pocket. I’ve also stopped taking prescribed medication because I don’t want to pay for that out of pocket either, and I can get by without it. It’s crazy to me they’re allowed to do this. Apologies in advance if I have posted in the wrong place.

I've been with State Farm for several years, but almost 3 years ago we had a series of accidents that we're not our fault, but were caused by phantom drivers or road hazards. Last summer, I was at fault in backing into a car bumper. My agent says the underwriter's are cancelling because they've paid out over $100k. Kinda late, don't ya think! We've been almost 2 years without anything major - the bumper was less than $2k. My credit is not that great. I see a lot of aggregators that will give you quotes for multiple insurance companies. What's the best way to get insurance at a reasonable cost? I'm over 60 sand in a domestic partnership.

I have a question about prior authorization. I am trying to get one of the weight loss meds like wegovy, zepbound etc. I had several appts with my primary care Dr and she informed me she would try but that most likely insurance wouldn't cover it. The Dr office called me today to tell me about bloodwork, etc and informed me I should call my insurance provider and ask if it would be covered. I did that, with blue cross blue shield, and the lady on the phone was extremely helpful. She informed me ozempic and something else wouldn't be covered but wegovy and zepbound are and she would need prior authorization. She put me on hold to call my Dr, then when she got back on the line she said the Dr would not do prior authorization. She also informed me I should find a new Doc because your Dr is supposed to help you. My question is why would my Dr then deny it after asking me to call and see if it's covered and it was? I'm just confused. Thank you for any insight.

So like the title says I had 2 doctor visit back to back days. One I saw the PA and the other I saw the NP. But the medical claim with my insurance says I saw the doctor. I received a bill from the clinic stating I owe an additional $76.93 for the PA and nothing additional for the NP. Both doctors are from same clinic but different specialties. I reached out to my insurance and they said it was both bill coded as me seeing the doctors. Is this correct? I reached out to the billing department of the clinic and it’s been almost 2 weeks and they haven’t gotten back to me yet. Is this correct? I paid $220.63 both times (I have a high deductible plan) I think. I don’t have a copay - I pay for everything my insurance doesn’t cover(which they don’t cover very much) If you have more questions to help answer this let me know. In the last month I’ve spent $1600 in medical and I want to make sure I’m being billed a surplus amount. Edit- I’m 29F from Texas and I’m insured through my job with UHC

Long story short, I recently got a grant for my son who has autism spectrum disorder and was able to find a provider who had social skills therapy for him. The grant will reimburse me costs 100% however they need a copy of the EOB. I found a provider who was out of network but was the only one offering this therapy in the time period I needed it. She was upfront saying that we would have to file our own claim which I have no problem with. She provided the superbill and all of the codes. Well today I logged into UHC to try to submit a mental health claim and the form is not available, then I called them and they told me that I cannot submit my own claim. I told them that my provider does not file claims but they were insistent on saying that the doctor would have to file them. Is this a common practice? I am just frustrated.

For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?