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nxtga5 | Bayer AG Write-Up | I believe Bayer AG has a discounted valuation and has fallen off investors radar due to poor performance in recent years, presenting an oppourtunity to purchase a strong cash-flow generating business at a reasonable price.
Please let me know your thoughts.
Best,
Requantify
[https://drive.google.com/file/d/1ljHOhQg4... | 1,623,455,041 | 2021-06-11 23:44:01 | requantify | 108 | 8 | 0.93 | Long Thesis | /r/SecurityAnalysis/comments/nxtga5/bayer_ag_writeup/ | https://www.reddit.com/r/SecurityAnalysis/comments/nxtga5/bayer_ag_writeup/ | SecurityAnalysis | west_pharmaceutical_services |
ju2hlv | Travel Recovery writeups #3: Dufry AG | Hiya all! I've been greatly appreciative of the words of encouragement and constructive feedback given by r/SecurityAnalysis regarding writeups on Booking Holdings ($BKNG) and Hostelworld ($HSW.L). Hopefully y'all find this to be a good read and, as always, I look forward to the good discussions and pieces of feedback ... | 1,605,363,024 | 2020-11-14 14:10:24 | Shedededen | 9 | 6 | 1 | Long Thesis | /r/SecurityAnalysis/comments/ju2hlv/travel_recovery_writeups_3_dufry_ag/ | https://www.reddit.com/r/SecurityAnalysis/comments/ju2hlv/travel_recovery_writeups_3_dufry_ag/ | SecurityAnalysis | west_pharmaceutical_services |
ifssz3 | Long Thesis - Progyny - 100% upside - High-growth, profitable company is the only differentiated provider in a large, growing, and underserved market. PGNY’s high-touch, seamless offering helps them stand out against large insurance carriers. | [Link to my research report on PGNY](https://1drv.ms/b/s!AlTlXddn_yjSiWIdrL9GO_GdBfse?e=owulbT)
**Summary**
High-growth, profitable company is the only differentiated provider in a large, growing, and underserved market. PGNY’s high-touch, seamless offering helps them stand out against large insurance carriers. ... | 1,598,288,045 | 2020-08-24 16:54:05 | dornstar18 | 112 | 12 | 0.96 | Long Thesis | /r/SecurityAnalysis/comments/ifssz3/long_thesis_progyny_100_upside_highgrowth/ | https://www.reddit.com/r/SecurityAnalysis/comments/ifssz3/long_thesis_progyny_100_upside_highgrowth/ | SecurityAnalysis | west_pharmaceutical_services |
hi4rgs | Booking Holdings (BKNG) appears susceptible to short-term downside. Hoping for feedback | Hi r/SecurityAnalysis , big fan of the informative content on this sub. I hope to "learn by doing", presenting my findings on Booking Holdings, Inc. (BKNG). I hope y'all find this informative and valuable, and look forward to a good discussion in the comments. Further, any feedback would be really appreciated!😃 See my... | 1,593,453,113 | 2020-06-29 17:51:53 | Shedededen | 31 | 14 | 0.95 | Thesis | /r/SecurityAnalysis/comments/hi4rgs/booking_holdings_bkng_appears_susceptible_to/ | https://www.reddit.com/r/SecurityAnalysis/comments/hi4rgs/booking_holdings_bkng_appears_susceptible_to/ | SecurityAnalysis | west_pharmaceutical_services |
fwr1i4 | Q1 2020 Letters & Reports | Investment Firm | Date Posted
---|---
[A Primer on Reading Annual Reports](https://www.docdroid.net/x98gkB9/a-primer-on-reading-annual-reports-pdf)| April 7
[Absolute Return Partners](https://uploads-ssl.webflow.com/582f21bd539fedd346d8937a/5e81aec0f7ffdde66c4bc6e0_The_Absolute_Return_Letter_030420.pdf)| April 7
[Bankr... | 1,586,288,157 | 2020-04-07 19:35:57 | Beren- | 461 | 231 | 0.99 | Investor Letter | /r/SecurityAnalysis/comments/fwr1i4/q1_2020_letters_reports/ | https://www.reddit.com/r/SecurityAnalysis/comments/fwr1i4/q1_2020_letters_reports/ | SecurityAnalysis | west_pharmaceutical_services |
es8m1o | ATIS: An Undervalued Micro-Cap Conglomerate with Hidden Assets (0.35; 01/22/20) | ^(TL;DR at the very bottom. Not sure if I'm completely delusional or there's actually something here. Let me know what ya think.)
# Business Overview
Attis Industries, formerly known as Meridian Waste Solutions, is a conglomerate with business operations in the healthcare, medical waste, and environmental technology ... | 1,579,677,907 | 2020-01-22 07:25:07 | tmh0312 | 27 | 35 | 0.83 | Long Thesis | /r/SecurityAnalysis/comments/es8m1o/atis_an_undervalued_microcap_conglomerate_with/ | https://www.reddit.com/r/SecurityAnalysis/comments/es8m1o/atis_an_undervalued_microcap_conglomerate_with/ | SecurityAnalysis | west_pharmaceutical_services |
8nlrzy | GNC - | Currently GNC is trading at only 1.16X operating cash flows. Can the distressed experts please chime in?
Operating income is robust, debt is being paid down, and there is plenty of free cash flow.
Maybe someone has spent some more time on this already and can explain what the risk factors are to be aware of. The Harb... | 1,527,798,403 | 2018-05-31 20:26:43 | JustCallMeAtom | 3 | 15 | 0.58 | Thesis | /r/SecurityAnalysis/comments/8nlrzy/gnc/ | https://www.reddit.com/r/SecurityAnalysis/comments/8nlrzy/gnc/ | SecurityAnalysis | west_pharmaceutical_services |
199ngt | My notes and quotes from the hardcover 3rd edition, commonly known as “The Classic 1951 Edition.” | The following are notes and quotes from the hardcover 3rd edition, commonly known as “The Classic 1951 Edition.”
Page 1.
“The objectives of security analysis are twofold. First, it seeks to present the important facts regarding a stock or bond issue, in a manner most informing and useful to an actual or potential o... | 1,361,898,833 | 2013-02-26 17:13:53 | rbco | 7 | 2 | 0.78 | null | /r/SecurityAnalysis/comments/199ngt/my_notes_and_quotes_from_the_hardcover_3rd/ | https://www.reddit.com/r/SecurityAnalysis/comments/199ngt/my_notes_and_quotes_from_the_hardcover_3rd/ | SecurityAnalysis | west_pharmaceutical_services |
1kq3w9f | Will my emergency savings carry me at least 6 months? | First off thanks for helping out! I'm not the most financially literate individual and my anxiety is getting worse (I'm working on it with my therapist) so I'd love to hear other peoples' opinions as to my situation and whether or not I'm just panicking in my head.
Currently working in tech in a HCOL area and bringing... | 1,747,632,098 | 2025-05-19 05:21:38 | PositionMajestic3792 | 1 | 14 | 0.56 | Planning | /r/personalfinance/comments/1kq3w9f/will_my_emergency_savings_carry_me_at_least_6/ | https://www.reddit.com/r/personalfinance/comments/1kq3w9f/will_my_emergency_savings_carry_me_at_least_6/ | personalfinance | west_pharmaceutical_services |
1iw2dis | Very confused about this vested balance with old employer | I left my last employer due to very shady practices they were doing within the Healthcare system of the US. Without mentioning names this employer is currently in a very large lawsuit with a big pharmaceutical company and its been ongoing since i left. Recently received an email asking to verify my social and address. ... | 1,740,286,545 | 2025-02-23 04:55:45 | cecepuck6 | 1 | 0 | 1 | null | /r/personalfinance/comments/1iw2dis/very_confused_about_this_vested_balance_with_old/ | https://www.reddit.com/r/personalfinance/comments/1iw2dis/very_confused_about_this_vested_balance_with_old/ | personalfinance | west_pharmaceutical_services |
1iokgre | Social Security Number Safety | Kiplinger newsletter recently said: Below are 10 places where you should never give your Social Security number. If any of the following places does ask for it, it's okay (and advised) to say no.
* Universities and colleges
* Banking and financial institutions
* Hospitals
* State governments
* Local government
* Feder... | 1,739,457,568 | 2025-02-13 14:39:28 | IndividualFront6481 | 0 | 21 | 0.29 | Other | /r/personalfinance/comments/1iokgre/social_security_number_safety/ | https://www.reddit.com/r/personalfinance/comments/1iokgre/social_security_number_safety/ | personalfinance | west_pharmaceutical_services |
1h5wbby | Investment/ Savings Strategy Critique! | I am looking for some advice on my current portfolio and savings plan.
I'm a fairly recent immigrant to this country (36m) so started my retirement/ savings from scratch in my early 30's. Currently live in a very HCOL city on the west coast, making around 100-150k/ year running my own business as an S corp, where I pa... | 1,733,255,448 | 2024-12-03 19:50:48 | Broad-Whereas-1602 | 1 | 2 | 1 | Investing | /r/personalfinance/comments/1h5wbby/investment_savings_strategy_critique/ | https://www.reddit.com/r/personalfinance/comments/1h5wbby/investment_savings_strategy_critique/ | personalfinance | west_pharmaceutical_services |
1gdtu67 | Upstart Loans? (plus general personal loan questions) | Hi all,
I am considering a "personal loan" to help pay off some large expenses, as well as some credit card bills.
I found Upstart through places like NerdWallet.
I qualified for a loan with low APR (9.94%) in comparison to my credit cards.
I have a few questions if anyone is pretty savvy with these kinds of thing... | 1,730,089,447 | 2024-10-28 04:24:07 | ArizonanVillan | 4 | 17 | 0.75 | Debt | /r/personalfinance/comments/1gdtu67/upstart_loans_plus_general_personal_loan_questions/ | https://www.reddit.com/r/personalfinance/comments/1gdtu67/upstart_loans_plus_general_personal_loan_questions/ | personalfinance | west_pharmaceutical_services |
1g0o0st | I've been working on my credit for past 8 months | I’ve been getting these texts from a debt collector for almost a year now : This message is from CREDIT COLLECTION SERVICES (a debt collector) regarding BRISTOL WEST INSURANCE COMPANY. We look forward to assisting you. Please call us @ (their phone number ) or to self-service, please visit [www.ccspayment.com](http:/... | 1,728,580,786 | 2024-10-10 17:19:46 | Few_Comedian2954 | 5 | 3 | 0.78 | Credit | /r/personalfinance/comments/1g0o0st/ive_been_working_on_my_credit_for_past_8_months/ | https://www.reddit.com/r/personalfinance/comments/1g0o0st/ive_been_working_on_my_credit_for_past_8_months/ | personalfinance | west_pharmaceutical_services |
1fgoyuo | Any experience with online live tax professional services | I’m interested in paying for an online tax consultation service of some type. Does anyone have an experience or recommendations for a service like this? When I look online it’s like the wild west of advertised services. | 1,726,328,540 | 2024-09-14 15:42:20 | MasterGrok | 1 | 1 | 1 | Taxes | /r/personalfinance/comments/1fgoyuo/any_experience_with_online_live_tax_professional/ | https://www.reddit.com/r/personalfinance/comments/1fgoyuo/any_experience_with_online_live_tax_professional/ | personalfinance | west_pharmaceutical_services |
1evkk4m | Move to Massachusetts from Texas a good idea or not? | I'm 68(f) and my husband is 79(m). He was diagnosed with Alzheimer's in 2017 and had a stroke in 2019. I've been paying all the bills since 2017 when he trashed our finances.
In 2021, I realized our house wouldn't be paid off until December 2027, so I started making an extra principle/interest payment every month an... | 1,724,016,661 | 2024-08-18 21:31:01 | Tapdancer556011 | 127 | 249 | 0.72 | Other | /r/personalfinance/comments/1evkk4m/move_to_massachusetts_from_texas_a_good_idea_or/ | https://www.reddit.com/r/personalfinance/comments/1evkk4m/move_to_massachusetts_from_texas_a_good_idea_or/ | personalfinance | west_pharmaceutical_services |
1esg6ii | How to liquidate American funds Ira and then transfer the assets to new IRA | So I’d like to liquidate my AmericanFunds and send the assets to a new IRA but when I go into my AmericanFunds account and try to sell, it just gives me an option to mail myself a check l or deposit the funds in a bank account.
I always thought that you could buy and sell within an IRA without tax implications you ju... | 1,723,678,383 | 2024-08-14 23:33:03 | Designer_Ad9597 | 0 | 12 | 0.5 | Retirement | /r/personalfinance/comments/1esg6ii/how_to_liquidate_american_funds_ira_and_then/ | https://www.reddit.com/r/personalfinance/comments/1esg6ii/how_to_liquidate_american_funds_ira_and_then/ | personalfinance | west_pharmaceutical_services |
1emv49c | Young, dumb and in debt | First post here, looking for suggestions/advice.
I (29m) have found myself in a not so insignificant amount of debt; around 6-7k thereabouts.
A bad decision late last year regarding my housing situation has left me in a poor financial situation.
I have switched banks, as I currently owe NatWest around £5k, and rough... | 1,723,085,626 | 2024-08-08 02:53:46 | Neither_Brick7675 | 1 | 1 | 0.67 | Debt | /r/personalfinance/comments/1emv49c/young_dumb_and_in_debt/ | https://www.reddit.com/r/personalfinance/comments/1emv49c/young_dumb_and_in_debt/ | personalfinance | west_pharmaceutical_services |
1dslgxv | How do I build wealth from a not great point? | I’m a 26F and I make 36k annually before taxes. I’m barely scraping by and hate the job that I’m doing. I’m working so hard for a little to no pay. I have a bachelors degree in psychology.
*Update: some people in the comments are assuming my degree is a BA (bachelor of arts) but it is in fact a BS (bachelor of science... | 1,719,812,560 | 2024-07-01 05:42:40 | Tall-Passage-5740 | 396 | 266 | 0.86 | Planning | /r/personalfinance/comments/1dslgxv/how_do_i_build_wealth_from_a_not_great_point/ | https://www.reddit.com/r/personalfinance/comments/1dslgxv/how_do_i_build_wealth_from_a_not_great_point/ | personalfinance | west_pharmaceutical_services |
18pgk26 | PNC different monthly service fees for different zip codes? | I could use a little help understanding [PNC banking account fees for their Virtual Wallet Checking and Savings accounts](https://www.pnc.com/en/personal-banking/virtual-wallet-overview.html).
If I enter my previous east coast zipcode, the Checking & Savings account charges a $7 monthly service fee or $0 with a $500 d... | 1,703,369,949 | 2023-12-23 22:19:09 | Resident_Ad_995 | 2 | 3 | 0.75 | Other | /r/personalfinance/comments/18pgk26/pnc_different_monthly_service_fees_for_different/ | https://www.reddit.com/r/personalfinance/comments/18pgk26/pnc_different_monthly_service_fees_for_different/ | personalfinance | west_pharmaceutical_services |
1785ag8 | My father of my child ruined me financially - how do I get out of this rut? | I (26f) have a 6 month old baby with my boyfriend (32m) of 2 1/2 years. I am doing so badly financially that I want to cry looking at my bank accounts. In my early 20’s just before meeting him I had 33k in my bank account and I was doing so much better than I am now. I managed to buy a piece of wooded land with it on a... | 1,697,336,377 | 2023-10-15 02:19:37 | floralia999 | 263 | 290 | 0.7 | Other | /r/personalfinance/comments/1785ag8/my_father_of_my_child_ruined_me_financially_how/ | https://www.reddit.com/r/personalfinance/comments/1785ag8/my_father_of_my_child_ruined_me_financially_how/ | personalfinance | west_pharmaceutical_services |
16mzcxc | Enterprise charging me for pre-existing damage | For my sons first birthday my boyfriend and I drove from West Virginia to California to visit Disneyland & some family. On our trip we stopped to get gas and we’re stopped by some middle aged man saying our car is making some kind of sound. (I would not have heard because we ride with the windows up since we have two y... | 1,695,150,187 | 2023-09-19 19:03:07 | nottnormal | 0 | 1 | 0.33 | Other | /r/personalfinance/comments/16mzcxc/enterprise_charging_me_for_preexisting_damage/ | https://www.reddit.com/r/personalfinance/comments/16mzcxc/enterprise_charging_me_for_preexisting_damage/ | personalfinance | west_pharmaceutical_services |
16leyii | I'm 23, my toxic relationship has left me with over $20,000 in credit card & loan debt. | Hello everyone,
After getting overwhelmed with the amount of amazing information while lurking on this subreddit, I wanted to reach out to the community and share my own story to see if there was any way I could get some advice for my current situation. I'm posting on an alt for privacy reasons. Regretfully, this is m... | 1,694,991,663 | 2023-09-17 23:01:03 | extralargechadfish | 0 | 6 | 0.5 | Debt | /r/personalfinance/comments/16leyii/im_23_my_toxic_relationship_has_left_me_with_over/ | https://www.reddit.com/r/personalfinance/comments/16leyii/im_23_my_toxic_relationship_has_left_me_with_over/ | personalfinance | west_pharmaceutical_services |
14a6x69 | How to handle charge-off from bank? | Hello PF folks, I'm wondering how I should handle a charge-off on my checking account from TD Bank (US). I had a checking account with them that I opened online while I was still living in the US. I moved to Canada on the west coast a little while after I opened that account.
Things were fine and dandy until a few mon... | 1,686,846,766 | 2023-06-15 16:32:46 | mknw | 0 | 6 | 0.33 | Other | /r/personalfinance/comments/14a6x69/how_to_handle_chargeoff_from_bank/ | https://www.reddit.com/r/personalfinance/comments/14a6x69/how_to_handle_chargeoff_from_bank/ | personalfinance | west_pharmaceutical_services |
12cpeod | problem with electric company | i think this is the correct forum, please let me know if i should be posting on a different one. a bit over a year ago, i bought a house. it's a fixer upper, I had to get the electric inspected, before they would turn it on. it failed, paid an electrican got it fixed. The inspector came back, inspected it and it pa... | 1,680,711,337 | 2023-04-05 16:15:37 | tessaleader70 | 1 | 2 | 1 | Other | /r/personalfinance/comments/12cpeod/problem_with_electric_company/ | https://www.reddit.com/r/personalfinance/comments/12cpeod/problem_with_electric_company/ | personalfinance | west_pharmaceutical_services |
12ab7iy | Planning for sudden independence | I'm 22 with a job lined up after graduating in May in a mid-size mid-west city. Starting salary is $110k/yr. After taxes and max 401k/Roth IRA contributions, I'm expecting to take home about $55k/yr.
I don't know if this is silly, but I'm somewhat worried about how to make a budget for this very big life change. I hav... | 1,680,501,639 | 2023-04-03 06:00:39 | unLUNAR | 1 | 7 | 0.6 | Budgeting | /r/personalfinance/comments/12ab7iy/planning_for_sudden_independence/ | https://www.reddit.com/r/personalfinance/comments/12ab7iy/planning_for_sudden_independence/ | personalfinance | west_pharmaceutical_services |
1216r1n | I just found out mechanic is taking much longer than expected on a job and did not tell me or update me at all. Charging me $1500+ more than expected. | Needed a RHD Kit installed in my vehicle for work purposes, and I found one of the only mechanics in my state (or west coast) that could perform the work.
I asked him how long it took him to install these kits and he verbally quoted about 6-9 hours, but this was a verbal estimate. I budgeted $1500 for installation... | 1,679,709,183 | 2023-03-25 01:53:03 | CyberAmplified | 6 | 4 | 0.88 | Employment | /r/personalfinance/comments/1216r1n/i_just_found_out_mechanic_is_taking_much_longer/ | https://www.reddit.com/r/personalfinance/comments/1216r1n/i_just_found_out_mechanic_is_taking_much_longer/ | personalfinance | west_pharmaceutical_services |
118e22c | Update on Debt Collection Attempt That Doesn't Belong to Me (please help) | [Link to original post](https://www.reddit.com/r/personalfinance/comments/zzf7r1/received_a_debt_collection_letter_in_the_mail_for/)
Wakefield and Associates responded to my certified letter and sent a mail response (after just over 30 days).
1. They have my name and address correct, but my birthday wrong in the "Pa... | 1,677,011,035 | 2023-02-21 20:23:55 | ThinkPadChurch | 0 | 0 | 0.5 | Other | /r/personalfinance/comments/118e22c/update_on_debt_collection_attempt_that_doesnt/ | https://www.reddit.com/r/personalfinance/comments/118e22c/update_on_debt_collection_attempt_that_doesnt/ | personalfinance | west_pharmaceutical_services |
10ddmg7 | Should I sell my car? | I bought a 2015 VW UP in 2019
I am 25.
It had 7,800 miles on it (bargain)
I paid £6,500 for the car and own it outright.
It now has 25,000 miles.
I have a buyer who is looking to buy it for £7,000 - used car prices have gone up recently.
I live in West London (greenford) so have good transport links.
My work pl... | 1,673,872,986 | 2023-01-16 12:43:06 | Sad-Letterhead6439 | 2 | 7 | 0.75 | Auto | /r/personalfinance/comments/10ddmg7/should_i_sell_my_car/ | https://www.reddit.com/r/personalfinance/comments/10ddmg7/should_i_sell_my_car/ | personalfinance | west_pharmaceutical_services |
zzf7r1 | Received a debt collection letter in the mail for a debt that I do not have (picture of letter included) | I just got a debt collection letter in the mail from "Wakefield and Associates, LLC" for a debt of $2,195 to a company called "American Medical Response West" I've never used the services of AMR, have never heard of "American Medical Response West", have never used an ambulance, and have no outstanding medical debt tha... | 1,672,443,620 | 2022-12-30 23:40:20 | ThinkPadChurch | 16 | 27 | 0.85 | Other | /r/personalfinance/comments/zzf7r1/received_a_debt_collection_letter_in_the_mail_for/ | https://www.reddit.com/r/personalfinance/comments/zzf7r1/received_a_debt_collection_letter_in_the_mail_for/ | personalfinance | west_pharmaceutical_services |
z2bkga | Help me understand my mandatory deferred compensation plan with VOYA? | I work part time, seasonally, for a city government. Every time I get paid, a chunk is taken out and put in a "mandatory deferred compensation" plan which is apparently in lieu of Social Security contributions? I don't entirely get it and I'm hoping someone has seen this type of thing before and can help me out.
W... | 1,669,167,117 | 2022-11-23 01:31:57 | flyingmountain | 1 | 8 | 1 | Retirement | /r/personalfinance/comments/z2bkga/help_me_understand_my_mandatory_deferred/ | https://www.reddit.com/r/personalfinance/comments/z2bkga/help_me_understand_my_mandatory_deferred/ | personalfinance | west_pharmaceutical_services |
v0195o | Just moved and I need to pick a new Bank | So I recently decided to pick up and move clear across the country, and I mean this quite literally, from Pennsylvania to California. The move has been great and was a great decision for me at this time. I'm in my Mid 20's, single, and working a decent remote job. However, I'm running into a problem when it comes to my... | 1,653,789,295 | 2022-05-29 01:54:55 | majeen_ | 1 | 19 | 0.67 | Other | /r/personalfinance/comments/v0195o/just_moved_and_i_need_to_pick_a_new_bank/ | https://www.reddit.com/r/personalfinance/comments/v0195o/just_moved_and_i_need_to_pick_a_new_bank/ | personalfinance | west_pharmaceutical_services |
tx4ali | Setting up wife’s I bond account and needs a “medallion stamp” to verify her identity…where to get that? | Earlier this year I setup a treasury direct account for myself and purchased an i-bond. I then went to do the same for my wife but got a notice that we’d need to fill out an [additional form](https://www.treasurydirect.gov/pdf/rs/acctauth.pdf) to verify her identity that requires a “medallion stamp” to process (differe... | 1,649,190,560 | 2022-04-05 20:29:20 | The_Ballsagna | 0 | 12 | 0.33 | Other | /r/personalfinance/comments/tx4ali/setting_up_wifes_i_bond_account_and_needs_a/ | https://www.reddit.com/r/personalfinance/comments/tx4ali/setting_up_wifes_i_bond_account_and_needs_a/ | personalfinance | west_pharmaceutical_services |
twhcva | Has anyone used Beneficial State Bank? Looking for a reliable green bank | I’m looking to move my money out of a Chase account and looking at the available green banks as an alternative. I’ve considered Aspiration and Amalgamated but I’ve seen a lot of poor customer reviews here and elsewhere describing difficulty with accessing funds, bad customer service, etc. Beneficial State Bank seems ... | 1,649,116,994 | 2022-04-05 00:03:14 | stabilitywherearthou | 0 | 6 | 0.5 | Saving | /r/personalfinance/comments/twhcva/has_anyone_used_beneficial_state_bank_looking_for/ | https://www.reddit.com/r/personalfinance/comments/twhcva/has_anyone_used_beneficial_state_bank_looking_for/ | personalfinance | west_pharmaceutical_services |
te5jd1 | Tips for spending less than $1000 a month on food? | Like the title states, I spend around $1000 on food a month. I despise cooking so I use a combination of a meal service plan and eating out on the weekends. Living in an expensive, US west coast city, the combination adds up pretty easily.
I can afford this lifestyle, but I'm also trying to find ways to cut things fro... | 1,647,285,931 | 2022-03-14 19:25:31 | UrbanDialga | 0 | 91 | 0.38 | Budgeting | /r/personalfinance/comments/te5jd1/tips_for_spending_less_than_1000_a_month_on_food/ | https://www.reddit.com/r/personalfinance/comments/te5jd1/tips_for_spending_less_than_1000_a_month_on_food/ | personalfinance | west_pharmaceutical_services |
sj6i64 | I seriously need any advice. My family is financially struggling and I'm not sure what I should do. | This is a throwaway account, but this is also the first time I'm using reddit so I apologize if this is the wrong subreddit for this form of post, please direct me to the correct one if it is not. Also, I apologize for my broken English ahead of time.
Here is a bit of background context. For the past 2 days, I was sic... | 1,643,852,840 | 2022-02-03 01:47:20 | throwaway47284738 | 0 | 5 | 0.5 | Saving | /r/personalfinance/comments/sj6i64/i_seriously_need_any_advice_my_family_is/ | https://www.reddit.com/r/personalfinance/comments/sj6i64/i_seriously_need_any_advice_my_family_is/ | personalfinance | west_pharmaceutical_services |
s0rt9e | 401k - Terrible Options | Hey Team,
New job and have 401k questions. I am lucky enough to be able to max out my IRA and 401k annually. The problem is, my new job has horrible 401k options (below). The expense ratios are ridiculous. I have always had Vanguard funds available and have usually just set/forget a target date fund. Thoughts?
Thanks... | 1,641,841,816 | 2022-01-10 19:10:16 | snickersicecreambar | 3 | 9 | 1 | Retirement | /r/personalfinance/comments/s0rt9e/401k_terrible_options/ | https://www.reddit.com/r/personalfinance/comments/s0rt9e/401k_terrible_options/ | personalfinance | west_pharmaceutical_services |
quuds5 | Want to open a Roth IRA. IHSS Caregiver in CA. What do I put in occupation/address fields? | \*asked in Fidelity subrreddit but they don't even know\*
Does it even matter? Isn't "earned income" already tied to my Social Security from yearly tax reports regardless of the occupation details I write when opening a Roth IRA?
Copy pasta:
​
*Would like to open a Roth IRA.*
*I'm an* ***IHSS (In Home Supp... | 1,637,021,362 | 2021-11-16 00:09:22 | dune7red4 | 2 | 5 | 1 | Investing | /r/personalfinance/comments/quuds5/want_to_open_a_roth_ira_ihss_caregiver_in_ca_what/ | https://www.reddit.com/r/personalfinance/comments/quuds5/want_to_open_a_roth_ira_ihss_caregiver_in_ca_what/ | personalfinance | west_pharmaceutical_services |
quj5qu | Looking to move from East to West Coast US - Should I consider trading in my used car for a new(er) one BEFORE moving, or when I reach my destination? | For just a little added info - My current car (2014 Jeep Compass) would definitely be able to handle the trip/move, it's about 7-8 years old and well maintained, I'm the second owner, never missed a service or oil change. My thought would be, if I were to keep it until reaching the west coast, I'd drive it to my new r... | 1,636,990,747 | 2021-11-15 15:39:07 | StolenSweet-Roll | 1 | 18 | 0.67 | Auto | /r/personalfinance/comments/quj5qu/looking_to_move_from_east_to_west_coast_us_should/ | https://www.reddit.com/r/personalfinance/comments/quj5qu/looking_to_move_from_east_to_west_coast_us_should/ | personalfinance | west_pharmaceutical_services |
qmw6qv | My Guide for Home Mortgages & Refinancing | I really wanted to make a “guide” and talk a little bit about my experience as a younger homeowner geared towards the mortgage process, tips/tricks, and things to look out for when buying/refinancing a home. There is so much information out there, but a lot of it can be hard to understand for some people and can get co... | 1,636,064,150 | 2021-11-04 22:15:50 | DIY_Guy1520 | 4 | 5 | 0.7 | Housing | /r/personalfinance/comments/qmw6qv/my_guide_for_home_mortgages_refinancing/ | https://www.reddit.com/r/personalfinance/comments/qmw6qv/my_guide_for_home_mortgages_refinancing/ | personalfinance | west_pharmaceutical_services |
qf7n1s | Fidelity Cash Management account as main checking account, is that a good idea? | I have a couple of checking accounts - one with a TBTF national bank, and one with a smaller credit union out on the West Coast. We've since moved to the East Coast and into a bit of a "banking desert". So far I haven't found a local credit union that I'm both qualified to join and that offers all the features I need, ... | 1,635,131,077 | 2021-10-25 03:04:37 | lonecppcoder | 12 | 16 | 0.85 | Investing | /r/personalfinance/comments/qf7n1s/fidelity_cash_management_account_as_main_checking/ | https://www.reddit.com/r/personalfinance/comments/qf7n1s/fidelity_cash_management_account_as_main_checking/ | personalfinance | west_pharmaceutical_services |
px7y3b | Where should I go for my first car loan? | Hi everybody,
​
I've never had a car before and I'm 19 years old! I've had a job for going on a year now and I get paid pretty well, I've also been building my credit since last year and my FICO Score is rn a 726, and next month it should be in the 730s. I have 2 credit cards with Capital One and I love their ... | 1,632,840,337 | 2021-09-28 14:45:37 | BlueJay875 | 0 | 1 | 0.5 | Debt | /r/personalfinance/comments/px7y3b/where_should_i_go_for_my_first_car_loan/ | https://www.reddit.com/r/personalfinance/comments/px7y3b/where_should_i_go_for_my_first_car_loan/ | personalfinance | west_pharmaceutical_services |
pwdym1 | Bank won’t let me access account, now they’re spending the “frozen” funds without my knowledge/consent | edit: forgot to state, but they are FDIC insured accounts , and they are partnered with coastal community bank
I switched to using an online bank with Aspiration at the end of 2020 as I was flying from the west coast to the east every month or so. I signed up for their “Aspiration spend & save” accounts, and didn’t en... | 1,632,737,327 | 2021-09-27 10:08:47 | saddyo | 0 | 9 | 0.5 | Other | /r/personalfinance/comments/pwdym1/bank_wont_let_me_access_account_now_theyre/ | https://www.reddit.com/r/personalfinance/comments/pwdym1/bank_wont_let_me_access_account_now_theyre/ | personalfinance | west_pharmaceutical_services |
oefgfa | Best way to get rid of household goods? | My spouse and I have been living in the states for about five years now, and we want to permanently relocate to Germany next year (wife is a German citizen).
This will likely be a self-funded move, not covered by an employer. We found a service that can ship 2x 100 cubic foot boxes to Germany from the west coast for a... | 1,625,516,358 | 2021-07-05 20:19:18 | PossumHotDog | 5 | 18 | 0.86 | Planning | /r/personalfinance/comments/oefgfa/best_way_to_get_rid_of_household_goods/ | https://www.reddit.com/r/personalfinance/comments/oefgfa/best_way_to_get_rid_of_household_goods/ | personalfinance | west_pharmaceutical_services |
nli9ad | take it or leave it: non-fully vested pension fund accumulation | I've got a small balance in a previous employer's pension plan that I'm not sure if I should take my accumulation and roll it in to a 401k, or leave it there indefinitely.
Some details:
* I'm 33, with ~58k in current company 401k, income is ~160k
* current balance of this pension account is ~27k.
* I left with ... | 1,622,039,032 | 2021-05-26 14:23:52 | Fun_Mountain_3630 | 1 | 9 | 1 | Retirement | /r/personalfinance/comments/nli9ad/take_it_or_leave_it_nonfully_vested_pension_fund/ | https://www.reddit.com/r/personalfinance/comments/nli9ad/take_it_or_leave_it_nonfully_vested_pension_fund/ | personalfinance | west_pharmaceutical_services |
nhjh21 | Car insurance issues | So, this is a little complicated but I have some concerns. My insurance is with Mercury (but also AIS is the broker?). I've been with Mercury for over 10 years, but for some reason, AIS took over my account last time I renewed. I also have a commercial license, Class C CDL.
So, I got a red light ticket, and went to tr... | 1,621,569,448 | 2021-05-21 03:57:28 | kylezo | 2 | 7 | 0.75 | Insurance | /r/personalfinance/comments/nhjh21/car_insurance_issues/ | https://www.reddit.com/r/personalfinance/comments/nhjh21/car_insurance_issues/ | personalfinance | west_pharmaceutical_services |
m2x8nm | Help choosing 401k retirement fund allocations | This is probably my second post ever on here, but I'm constantly on here reading. I previously made a post asking for help for HSA investment options and now I need some help choosing 401k investment options. A little about me if that's helpful in helping me: I'm 30, single, currently renting though hope to buy a home ... | 1,615,487,569 | 2021-03-11 18:32:49 | real0395 | 3 | 10 | 0.72 | Retirement | /r/personalfinance/comments/m2x8nm/help_choosing_401k_retirement_fund_allocations/ | https://www.reddit.com/r/personalfinance/comments/m2x8nm/help_choosing_401k_retirement_fund_allocations/ | personalfinance | west_pharmaceutical_services |
kwy5rq | Solar panel rental company charged me without statement | So Vivint came with the new house. The agent made the mistake of your settlement wrong by a month so we didn't have to pay for the first month. The previous owner refuted so it was brought on our account on 2nd month but without the revision in previous month. I kept telling them to check on it and put it on but they p... | 1,610,597,957 | 2021-01-14 04:19:17 | ocianapenguin | 0 | 2 | 0.5 | Other | /r/personalfinance/comments/kwy5rq/solar_panel_rental_company_charged_me_without/ | https://www.reddit.com/r/personalfinance/comments/kwy5rq/solar_panel_rental_company_charged_me_without/ | personalfinance | west_pharmaceutical_services |
khrsv9 | 401k management advice | I am 22 years old and just accepted a job with an annual salary of $75k. My employer matches 100% of my first 3% and then 50% of my next 2%. So for my 5% they match it 4%. Just making sure that I understand that correctly and can't match more. Also, I have been given the option to manage my own 401k and think that is t... | 1,608,589,430 | 2020-12-21 22:23:50 | The_Golden_Ages | 3 | 10 | 0.72 | Retirement | /r/personalfinance/comments/khrsv9/401k_management_advice/ | https://www.reddit.com/r/personalfinance/comments/khrsv9/401k_management_advice/ | personalfinance | west_pharmaceutical_services |
id2a12 | I'm moving and buying a new house. Should I sell my current house or rent it out? | My company has given guidance that we won't be back in the office until June 2021 at the earliest.
I live alone and I can't stand the thought of spending another winter in my city, so I pulled the trigger and I'm under contract for a house in a ski town where I have some close friends. I'll be moving up at the end of ... | 1,597,891,871 | 2020-08-20 02:51:11 | pf_throwaway00 | 3 | 6 | 0.72 | Housing | /r/personalfinance/comments/id2a12/im_moving_and_buying_a_new_house_should_i_sell_my/ | https://www.reddit.com/r/personalfinance/comments/id2a12/im_moving_and_buying_a_new_house_should_i_sell_my/ | personalfinance | west_pharmaceutical_services |
hbggkv | Rent vs. Buy - a restrospective | Hi all,
I see a lot of posts on this forum that ask the rent vs. buy question. There are plenty of calculators out there, some more elaborate than others, but the basic gist of it is that your break-even point is typically around the 5-7 years mark.
My wife and I bought our first home in December, 2015, so we're appr... | 1,592,493,142 | 2020-06-18 15:12:22 | cjw_5110 | 3,290 | 927 | 0.94 | Housing | /r/personalfinance/comments/hbggkv/rent_vs_buy_a_restrospective/ | https://www.reddit.com/r/personalfinance/comments/hbggkv/rent_vs_buy_a_restrospective/ | personalfinance | west_pharmaceutical_services |
gcglpm | Ways to get good resume and job search advice to help meet long term career goals? | This has nothing to do with the current situation but instead my difficulty trying to get into my desired career path the last few years. Hopefully its an appropriate question for this subreddit.
I currently work as an engineer (mechanical) in a support role with a defense contractor. Its slow, boring, not teac... | 1,588,463,536 | 2020-05-02 23:52:16 | Worf65 | 1 | 1 | 0.67 | Employment | /r/personalfinance/comments/gcglpm/ways_to_get_good_resume_and_job_search_advice_to/ | https://www.reddit.com/r/personalfinance/comments/gcglpm/ways_to_get_good_resume_and_job_search_advice_to/ | personalfinance | west_pharmaceutical_services |
fkyu8h | Job Loss Megathread: unemployment resources, state-specific information, and help | # If you lose your job or have your hours cut
Read __*[Be prepared if you're resigning or quitting, have been fired, or are being laid off](https://www.reddit.com/r/personalfinance/wiki/leaving_job)*__ from the PF wiki.
In particular, if you were laid off or fired, [apply for unemployment](https://www.thebalance.com/... | 1,584,571,410 | 2020-03-18 22:43:30 | PersonalFinanceMods | 12,150 | 3,763 | 0.98 | Employment | /r/personalfinance/comments/fkyu8h/job_loss_megathread_unemployment_resources/ | https://www.reddit.com/r/personalfinance/comments/fkyu8h/job_loss_megathread_unemployment_resources/ | personalfinance | west_pharmaceutical_services |
f6uu20 | Misclassified Employee | I started working for this oil and gas service company here in West Texas at the beginning of the year. They consistently treat me like shit, never pay me overtime, and they never give my co-workers and I ANY days off. That’s right. NONE. My weekly pay is only $770, even though I work about 100 hours a week. I could go... | 1,582,213,258 | 2020-02-20 15:40:58 | SmarterThan-U-Idiot | 24 | 38 | 0.73 | Taxes | /r/personalfinance/comments/f6uu20/misclassified_employee/ | https://www.reddit.com/r/personalfinance/comments/f6uu20/misclassified_employee/ | personalfinance | west_pharmaceutical_services |
f3ukre | Picking 401k allocations | Hi all! My husband and I are 26. My husband is going to open up a 401k at his new job. Looking over the application, unlike at his prior job, we have to pick our own allocations. We really know nothing about investing(nor do our families), so I'm hoping you guys can give us some advice. I did read the wiki on it, but I... | 1,581,697,641 | 2020-02-14 16:27:21 | SensitiveBugGirl | 1 | 14 | 1 | Retirement | /r/personalfinance/comments/f3ukre/picking_401k_allocations/ | https://www.reddit.com/r/personalfinance/comments/f3ukre/picking_401k_allocations/ | personalfinance | west_pharmaceutical_services |
eounf2 | I am struggling paycheck-to-paycheck but earn 57k. Feeling bitter and hopeless. How can I budget myself out of this situation? | Hi all, I will try to keep this as brief and informative as I possibly can.
​
**Basic Info**
26, graduated 2 years ago. This past year, I had to move out of a rent-free situation and rented my own 1-br apartment in the area close to where I work due to the difficulty of commute and other personal circumstanc... | 1,579,049,352 | 2020-01-15 00:49:12 | whathappnsifi | 120 | 188 | 0.81 | Budgeting | /r/personalfinance/comments/eounf2/i_am_struggling_paychecktopaycheck_but_earn_57k/ | https://www.reddit.com/r/personalfinance/comments/eounf2/i_am_struggling_paychecktopaycheck_but_earn_57k/ | personalfinance | west_pharmaceutical_services |
e11hm7 | UPDATE: Credit Karma High Yield Savings Linked Account Buyer Beware | This is the final update from a [thread](https://www.reddit.com/r/personalfinance/comments/drzyv5/credit_karma_savings_issues_advice_needed_beware/) started about two weeks which is now fully resolved.
All the details are in the original thread, with the primary problem being that when setting up a High Yield Savings... | 1,574,616,552 | 2019-11-24 17:29:12 | LtPatterson | 4,518 | 283 | 0.96 | Saving | /r/personalfinance/comments/e11hm7/update_credit_karma_high_yield_savings_linked/ | https://www.reddit.com/r/personalfinance/comments/e11hm7/update_credit_karma_high_yield_savings_linked/ | personalfinance | west_pharmaceutical_services |
ds5zor | Sanity check - can I afford to buy a house? | Hey everyone, looking for some advice.
My wife an I are looking into buying our first home, in a high cost of living area on the west coast. To start, some info:
**Income:** ~$210k combined annual salary, annual bonus tends to be ~$30-40k in a mix of cash and stock. My wife is expecting a promotion in a few months ... | 1,572,989,795 | 2019-11-05 21:36:35 | first_home_throwaway | 1 | 17 | 0.56 | Housing | /r/personalfinance/comments/ds5zor/sanity_check_can_i_afford_to_buy_a_house/ | https://www.reddit.com/r/personalfinance/comments/ds5zor/sanity_check_can_i_afford_to_buy_a_house/ | personalfinance | west_pharmaceutical_services |
d7yhut | Reduction in Hospital Bills - it is possible. | This year we had the blessing of bringing our third child into the family. As we had done with the first two, we opted for a midwife birth at the local birthing center. The way the birthing center billed out their services was a single package all included bill. For our first two children, the billing had been simil... | 1,569,195,974 | 2019-09-22 23:46:14 | mylarky | 1 | 3 | 0.57 | Insurance | /r/personalfinance/comments/d7yhut/reduction_in_hospital_bills_it_is_possible/ | https://www.reddit.com/r/personalfinance/comments/d7yhut/reduction_in_hospital_bills_it_is_possible/ | personalfinance | west_pharmaceutical_services |
d577qo | Prudential 401k setup advice/ general q's | Hi!
I'm 25 and was just hired to my first career and am trying to navigate budgeting and my 401k setup. I have an emergency fund with over 3 months of expenses and a small amount in checking but other than that I'm starting from scratch (or negative scratch, about 80k in student loans).
My annual salary is approx 7... | 1,568,670,366 | 2019-09-16 21:46:06 | cocoabutterkisses_ | 1 | 6 | 0.6 | Retirement | /r/personalfinance/comments/d577qo/prudential_401k_setup_advice_general_qs/ | https://www.reddit.com/r/personalfinance/comments/d577qo/prudential_401k_setup_advice_general_qs/ | personalfinance | west_pharmaceutical_services |
d1tjw7 | Opportunity knocking, Move required, Advice? | Several months ago I was contacted by a colleague from my previous job that I left almost 6 years ago. At that time I was an engineer who tested, trained and traveled a machine installations and repair. This colleague informed me that she has moved to a competitor making similar machines and are looking for knowledge... | 1,568,048,048 | 2019-09-09 16:54:08 | wardefiant1 | 0 | 6 | 0.25 | Other | /r/personalfinance/comments/d1tjw7/opportunity_knocking_move_required_advice/ | https://www.reddit.com/r/personalfinance/comments/d1tjw7/opportunity_knocking_move_required_advice/ | personalfinance | west_pharmaceutical_services |
cmdgeu | Best vedor for a teacher to get a 403 b? Any advice? | I just reached tenure in my district and now qualify for 403(b) contributions that I have to set up before school starts, but I have really limited experience with companies that offer retirement plans. The following vendors on my district's list are:
1. Ameriprise
2. AXA Equitable
3. Diversified (AUSA)
4. ESI Fina... | 1,565,023,662 | 2019-08-05 16:47:42 | CrucifiedButterfly | 5 | 4 | 0.78 | Retirement | /r/personalfinance/comments/cmdgeu/best_vedor_for_a_teacher_to_get_a_403_b_any_advice/ | https://www.reddit.com/r/personalfinance/comments/cmdgeu/best_vedor_for_a_teacher_to_get_a_403_b_any_advice/ | personalfinance | west_pharmaceutical_services |
cekm7s | What should I do if my roommate is not paying the utility for months? | I have a roommate that refuses to pay the utility bills for months and it's driving me nuts.
The story is our apartment requires tenants to signup for a utility (utility holder) or else they charge us $50 for service fee every month. In February, let say Bob told three of us that he can't re-activate his utility accou... | 1,563,406,237 | 2019-07-17 23:30:37 | younsomoom | 2 | 14 | 1 | Housing | /r/personalfinance/comments/cekm7s/what_should_i_do_if_my_roommate_is_not_paying_the/ | https://www.reddit.com/r/personalfinance/comments/cekm7s/what_should_i_do_if_my_roommate_is_not_paying_the/ | personalfinance | west_pharmaceutical_services |
bkegkb | Things to consider when buying a car | So a few days ago, I posted about buying beaters. It was directed at buying a reliable car that isn't a money pit is not an easy task. But I wanted to do a follow up after consulting my dad.
​
You should really own a beater if you are in a tough financial situation. Beaters imply that the car is going to ha... | 1,556,923,127 | 2019-05-03 22:38:47 | Snaebakabeans | 7 | 0 | 0.73 | Auto | /r/personalfinance/comments/bkegkb/things_to_consider_when_buying_a_car/ | https://www.reddit.com/r/personalfinance/comments/bkegkb/things_to_consider_when_buying_a_car/ | personalfinance | west_pharmaceutical_services |
bjxf6e | Real advice sought on overall financial picture | My wife and I are both 29. We live in a middle cost of living area (large Midwestern city, but not Chicago). I am a lawyer making $130k and my wife is a teacher making $52k. I’ve always considered myself a frugal person and thoughtful when it comes to money, but recently I have developed an almost constant, nagging fee... | 1,556,816,855 | 2019-05-02 17:07:35 | 968shelbs | 1 | 13 | 0.57 | Planning | /r/personalfinance/comments/bjxf6e/real_advice_sought_on_overall_financial_picture/ | https://www.reddit.com/r/personalfinance/comments/bjxf6e/real_advice_sought_on_overall_financial_picture/ | personalfinance | west_pharmaceutical_services |
b3jwcq | About to increase 401k funding, figuring out the right choice | Hello all, I don’t post often and have been a lurker for a
while...
When I was younger and first started working, I knew only
the basic idea that I should be saving something for retirement. Didn’t know
how much, didn’t know where, just set it and forget it.
Fast forward to now. I am 32 and making it a prime... | 1,553,128,641 | 2019-03-21 00:37:21 | Tully29 | 3 | 6 | 1 | Investing | /r/personalfinance/comments/b3jwcq/about_to_increase_401k_funding_figuring_out_the/ | https://www.reddit.com/r/personalfinance/comments/b3jwcq/about_to_increase_401k_funding_figuring_out_the/ | personalfinance | west_pharmaceutical_services |
aoeim9 | Need to verify old addresses to claim unclaimed property, but not sure how. Any ideas? | (Sorry if this should be in another sub)
I have unclaimed property (a few hundred bucks) in 2 states, but I only lived at each address 1-2 year (one a college apartment) so I never changed my drivers license or anything.
Elsewhere some people suggested running a credit report to verify (tried Experian) but it didn’t... | 1,549,614,193 | 2019-02-08 08:23:13 | IceFergs54 | 1 | 2 | 1 | Other | /r/personalfinance/comments/aoeim9/need_to_verify_old_addresses_to_claim_unclaimed/ | https://www.reddit.com/r/personalfinance/comments/aoeim9/need_to_verify_old_addresses_to_claim_unclaimed/ | personalfinance | west_pharmaceutical_services |
amgqq4 | H&R Block processed the wrong payment amount for state tax (to the tune of $5.8k). | I just discovered that H&R Block processed a $5,807 state tax payment 3 days ago, when I only owed $162. $5,807 happens to match up with my total state tax burden for the year, so it's clear to me that they processed this number instead of the calculated balance. This was all completed through the installed software — ... | 1,549,131,668 | 2019-02-02 18:21:08 | aaronsilber | 1 | 10 | 0.6 | Taxes | /r/personalfinance/comments/amgqq4/hr_block_processed_the_wrong_payment_amount_for/ | https://www.reddit.com/r/personalfinance/comments/amgqq4/hr_block_processed_the_wrong_payment_amount_for/ | personalfinance | west_pharmaceutical_services |
ajt1da | Cars are expensive!! (actual budget) | After doing my taxes last night, I was in a 'personal finance mood' and decided to do some analysis of my spending. In general, I am a relatively frugal person in a west cost metro that makes about 80th percentile salary for my region. None of my spending seemed unreasonable, and I've listed the major categories below.... | 1,548,446,933 | 2019-01-25 20:08:53 | IsotopeAntelope | 0 | 13 | 0.38 | Auto | /r/personalfinance/comments/ajt1da/cars_are_expensive_actual_budget/ | https://www.reddit.com/r/personalfinance/comments/ajt1da/cars_are_expensive_actual_budget/ | personalfinance | west_pharmaceutical_services |
aja23n | Experiences with different banks | Hey guys, I was wondering what anyone's experience with CIT bank or HSBC has been like. With that thought it mind, I figured we could make this a thread about your experiences with different banks so we could all consider what banks could fit best with us.
​
* **Chase**: I have never felt safer with any other ... | 1,548,314,857 | 2019-01-24 07:27:37 | ThruUhWeigh | 2 | 2 | 1 | Saving | /r/personalfinance/comments/aja23n/experiences_with_different_banks/ | https://www.reddit.com/r/personalfinance/comments/aja23n/experiences_with_different_banks/ | personalfinance | west_pharmaceutical_services |
ah67f7 | Curious if anyone has some experience with Bristol West Insurance. | I'm currently in search of a new-ish vehicle. At 21, male and a ticket and a fender bender on my record I've been searching and searching with different companies when I tried farmers. Apparently I didn't qualify with them and was booted to their partner company, Bristol West. Well the customer service from the sole pe... | 1,547,781,953 | 2019-01-18 03:25:53 | DonnyBrascoTheThird | 3 | 5 | 0.8 | Insurance | /r/personalfinance/comments/ah67f7/curious_if_anyone_has_some_experience_with/ | https://www.reddit.com/r/personalfinance/comments/ah67f7/curious_if_anyone_has_some_experience_with/ | personalfinance | west_pharmaceutical_services |
aapw7n | My Bank closing our accounts after 15 yrs for the reason of? | This is my first reddit post ever, so bare with me on this posting.
We have a checking and savings acct. with my husbands paycheck being direct deposited. Bank of The West has sent me a letter out of the blue stating that they will be closing our accts. and explained the process and dates involved in the closing. No ex... | 1,546,123,464 | 2018-12-29 22:44:24 | readingreddit9 | 0 | 50 | 0.44 | Saving | /r/personalfinance/comments/aapw7n/my_bank_closing_our_accounts_after_15_yrs_for_the/ | https://www.reddit.com/r/personalfinance/comments/aapw7n/my_bank_closing_our_accounts_after_15_yrs_for_the/ | personalfinance | west_pharmaceutical_services |
9nfo9c | I (33m) found out today that my identity was stolen, again, but it didn't go on my credit report... yet? | So, this is a weird story that begins with ordering a cleaning service off of Amazon, and continues today after I received a phone call from an unknown number.
About four months ago, my wife and I moved out of the rental we were in and, before we did so, ordered a "Deep cleaning" through Amazon.
I had, laying about, ... | 1,539,305,150 | 2018-10-12 00:45:50 | CreauxTeeRhobat | 1 | 3 | 1 | Credit | /r/personalfinance/comments/9nfo9c/i_33m_found_out_today_that_my_identity_was_stolen/ | https://www.reddit.com/r/personalfinance/comments/9nfo9c/i_33m_found_out_today_that_my_identity_was_stolen/ | personalfinance | west_pharmaceutical_services |
9afwbn | Is buying a remtal home right for me? | Hello all,
I'm in the process of laying out the groundwork for owning a rental property in West Hartford CT. This will be my second business, and a secondary (potential) income on top of my full-time job.
Background:
I'm a 27 year old computer tech making a decent living (~50-60k/yr) I have 250k held in stocks/mutua... | 1,535,293,615 | 2018-08-26 14:26:55 | TheElCaminoKid | 4 | 11 | 0.7 | Housing | /r/personalfinance/comments/9afwbn/is_buying_a_remtal_home_right_for_me/ | https://www.reddit.com/r/personalfinance/comments/9afwbn/is_buying_a_remtal_home_right_for_me/ | personalfinance | west_pharmaceutical_services |
91fbho | 24y/o student moving out-of-state/ clueless on health insurance | Hello all, I have never dealt with health insurance because my parents (non-english speaking) have always enroll for me through private agencies. I have done some research on my own but I am still confused.
My situation:I am a 24 years old California resident who will be moving to West Virginia for PT school this Augu... | 1,532,417,656 | 2018-07-24 07:34:16 | SportacusJ | 0 | 0 | 0.5 | Insurance | /r/personalfinance/comments/91fbho/24yo_student_moving_outofstate_clueless_on_health/ | https://www.reddit.com/r/personalfinance/comments/91fbho/24yo_student_moving_outofstate_clueless_on_health/ | personalfinance | west_pharmaceutical_services |
8zdlv3 | How can I open a US checking account in the UK? | I am a US native who moved to the UK last year. I was told by my US bank that I would have to close my account now that I moved overseas. I thought that would be okay. My old bank was Simple Bank.
I have one bill in the US with Synchrony Bank and it's CareCredit. I had major surgery and owe $1500 left. I have the mone... | 1,531,766,963 | 2018-07-16 18:49:23 | sorrywrangler | 0 | 5 | 0.5 | Debt | /r/personalfinance/comments/8zdlv3/how_can_i_open_a_us_checking_account_in_the_uk/ | https://www.reddit.com/r/personalfinance/comments/8zdlv3/how_can_i_open_a_us_checking_account_in_the_uk/ | personalfinance | west_pharmaceutical_services |
8un25l | Career Guidance | Currently not sure where exactly to take my career from here - details below
25 years old
Bachelor of Science Psychology
MBA (just graduated)
I've worked in a manufacturing setting during my undergrad as a HR Intern for two summers
Currently work for a staffing service as a District Manager - started as a Manager... | 1,530,217,401 | 2018-06-28 20:23:21 | Urdnought | 0 | 2 | 0.33 | Employment | /r/personalfinance/comments/8un25l/career_guidance/ | https://www.reddit.com/r/personalfinance/comments/8un25l/career_guidance/ | personalfinance | west_pharmaceutical_services |
86hl0n | Cartus relocation services for home sale? | I recently received a job offer with my current employer to move to the west coast from the Midwest. I’m struggling deciding between using the Cartus services vs just using my own agent. Reading through the agreement it sounds like if I use Cartus my list price is capped while I could list my home at whatever price my... | 1,521,774,627 | 2018-03-23 03:10:27 | randall_lahey | 1 | 0 | 0.66 | Housing | /r/personalfinance/comments/86hl0n/cartus_relocation_services_for_home_sale/ | https://www.reddit.com/r/personalfinance/comments/86hl0n/cartus_relocation_services_for_home_sale/ | personalfinance | west_pharmaceutical_services |
83whnl | I started off making 65k and my raises have gotten me to 68k after almost 3 years of being employed at the same company. Is that normal? I feel underpaid. | I work for a company that is contracted out by bigger pharmaceutical companies to do validation work on new systems and equipment. I've been working on-site at the same big pharma company for almost 3 years now. I really like working here - everyone knows me, I feel like my work is important, I get to work remote oft... | 1,520,873,825 | 2018-03-12 16:57:05 | thesesails | 2 | 9 | 0.75 | Employment | /r/personalfinance/comments/83whnl/i_started_off_making_65k_and_my_raises_have/ | https://www.reddit.com/r/personalfinance/comments/83whnl/i_started_off_making_65k_and_my_raises_have/ | personalfinance | west_pharmaceutical_services |
81qvbm | Does someone have experience and can provide input on a C-level role negotiation approach? | Throwaway account.
crossposting /r/perosonalfinance
https://www.reddit.com/r/careerguidance/comments/81qja9/does_someone_have_experience_and_can_provide/
After 6+ years in my organization I am being considered for a C-level role by HQ for a service organization with 2000ppl (my team is about 500ppl). Looking for advi... | 1,520,091,918 | 2018-03-03 15:45:18 | AdventurousScholar | 12 | 9 | 0.74 | Employment | /r/personalfinance/comments/81qvbm/does_someone_have_experience_and_can_provide/ | https://www.reddit.com/r/personalfinance/comments/81qvbm/does_someone_have_experience_and_can_provide/ | personalfinance | west_pharmaceutical_services |
7z52nl | Where is my account? | I am an American living overseas in west Africa. I've been here for a little over a year, and I finish my service around this time next year. I have had TD bank for just about forever.
I have only had to use my card once here at an ATM which was last Sep-Octoberish, and everything was fine. I did, however, empty my a... | 1,519,214,902 | 2018-02-21 12:08:22 | NogChampa90 | 1 | 5 | 0.66 | Other | /r/personalfinance/comments/7z52nl/where_is_my_account/ | https://www.reddit.com/r/personalfinance/comments/7z52nl/where_is_my_account/ | personalfinance | west_pharmaceutical_services |
7uwa0e | Water bill history for building shows zero usage since 2007 due to faulty meter but account has been paying for stormwater and service charges - does statute of limitations apply (4 years) for the water usage backpay? | This might better fit /r/legaladvice but I thought it might also fit here. I recently leased a small property in West Philly that was also recently purchased by a family friend and the previous owner has been paying the city's water bill, which includes water usage charge, stormwater management charge, and a service fe... | 1,517,621,434 | 2018-02-03 01:30:34 | ObviousAdviceGiver | 1 | 1 | 0.66 | Debt | /r/personalfinance/comments/7uwa0e/water_bill_history_for_building_shows_zero_usage/ | https://www.reddit.com/r/personalfinance/comments/7uwa0e/water_bill_history_for_building_shows_zero_usage/ | personalfinance | west_pharmaceutical_services |
7ucyip | Employer hired me for one job, assigned me a more advance job, and my colleagues are making 20k more then me and we’re hired for the same position. New to me, not sure how to get out of this situation. | I work at Commercial Property Service Management company, (if your local shopping center needs any kind of servicing or maintenance they call companies like ours, ie: flood in a unit, paint a wall, patch holes, empty out trash bins or carpet cleaning etc). If your property needs servicing our company does it.
I was br... | 1,517,430,471 | 2018-01-31 20:27:51 | askalotofq | 50 | 23 | 0.83 | Employment | /r/personalfinance/comments/7ucyip/employer_hired_me_for_one_job_assigned_me_a_more/ | https://www.reddit.com/r/personalfinance/comments/7ucyip/employer_hired_me_for_one_job_assigned_me_a_more/ | personalfinance | west_pharmaceutical_services |
7t108l | ICU nurse with 1 year of experience. $65,000 in student loans. | Hi Reddit friends!
I’m in a time in my life where major changes are about to occur, and I need some help navigating. My parents have not been in my predicament and can offer little help in counseling.
I am a new nurse with 1 year of ICU experience and close to $65,000 in student loans. Half are federal and half are p... | 1,516,928,772 | 2018-01-26 01:06:12 | Hairychesthairyback | 1 | 4 | 1 | Debt | /r/personalfinance/comments/7t108l/icu_nurse_with_1_year_of_experience_65000_in/ | https://www.reddit.com/r/personalfinance/comments/7t108l/icu_nurse_with_1_year_of_experience_65000_in/ | personalfinance | west_pharmaceutical_services |
7m1v0s | Been fighting to get fraudulent items taken off of my credit report. Have hit a wall. Advice on what to do next? | I am seeking some advice on the next steps to take in my attempt to get incorrect/fraudulent items removed from my credit reports. Please forgive the lengthy nature of this post, but I'm trying to provide as much info as I can possibly can upfront.
Despite being in my 30's, I haven't really had much of a credit histor... | 1,514,215,797 | 2017-12-25 15:29:57 | OfficialTCGSDumDum17 | 2 | 4 | 0.76 | Credit | /r/personalfinance/comments/7m1v0s/been_fighting_to_get_fraudulent_items_taken_off/ | https://www.reddit.com/r/personalfinance/comments/7m1v0s/been_fighting_to_get_fraudulent_items_taken_off/ | personalfinance | west_pharmaceutical_services |
7id9ni | Got a job offer today..not sure if accepting is a wise financial move. | Hi /r/personalfinance -- throwaway account here. I apologize in advance if this is the wrong subreddit to ask for this type of advice!
So as the title says, I was offered a job today as a Human Resources Specialist at a small, local company. I have a college degree (2014) in a non-specialized area and have just under ... | 1,512,715,943 | 2017-12-08 06:52:23 | HRSjobnegotiation | 1 | 14 | 0.67 | Employment | /r/personalfinance/comments/7id9ni/got_a_job_offer_todaynot_sure_if_accepting_is_a/ | https://www.reddit.com/r/personalfinance/comments/7id9ni/got_a_job_offer_todaynot_sure_if_accepting_is_a/ | personalfinance | west_pharmaceutical_services |
7hke9h | Is it a plausible idea to pull money from retirement after getting the match, to put into stable stocks that you would expect to do better than your own retirement plan? | My employer matches up to 5% of my paycheck. So I give them my 5% and they double it immediately. I know that there is 10% early withdrawal fee for removing early, but once I put it into stocks I am confident I could easily make that money back over time and end up with more than siding with my retirement plan's option... | 1,512,421,578 | 2017-12-04 21:06:18 | RolandWind | 2 | 11 | 0.63 | Retirement | /r/personalfinance/comments/7hke9h/is_it_a_plausible_idea_to_pull_money_from/ | https://www.reddit.com/r/personalfinance/comments/7hke9h/is_it_a_plausible_idea_to_pull_money_from/ | personalfinance | west_pharmaceutical_services |
7giyjy | I’m 24 Years Old and I Want to Move to California...I Have no Money in my Savings | (WALL OF TEXT WARNING)
Sorry in advance , gotta know the whole story. I think this is just me partially venting as well, so if this is the wrong sub, my sincerest apologies.
Alright , little bit of background of myself. I am 24, live on the east coast. Currently living with my mom and brother and my job is currently... | 1,512,009,019 | 2017-11-30 02:30:19 | Turtle69Turtle | 0 | 21 | 0.36 | Saving | /r/personalfinance/comments/7giyjy/im_24_years_old_and_i_want_to_move_to_californiai/ | https://www.reddit.com/r/personalfinance/comments/7giyjy/im_24_years_old_and_i_want_to_move_to_californiai/ | personalfinance | west_pharmaceutical_services |
7fzhb5 | Need some insight on Retirement holding company Great West Trust. How's their reputation? Do they do a good job? | So my 401K was transferred from my previous provider when I left my company to a new one (automatically as part of not being with my job any more) I've never heard of called Great West Trust. I don't know how good their management is or even if they've been around a long time or will be around for a long time.
Can an... | 1,511,824,996 | 2017-11-27 23:23:16 | Dating4Ninjas | 1 | 4 | 1 | Retirement | /r/personalfinance/comments/7fzhb5/need_some_insight_on_retirement_holding_company/ | https://www.reddit.com/r/personalfinance/comments/7fzhb5/need_some_insight_on_retirement_holding_company/ | personalfinance | west_pharmaceutical_services |
6znj10 | Target Gift Card Online Registration - Serious Security Concerns! | New Reddit account, but I just wanted to get the word out there.
There has been something very fishy happening with online Target gift cards. I had a gift card registered to my Target account for years (around ten or so), and several physical gift cards. About two years or so when I was doing a deep clean, I decided ... | 1,505,228,737 | 2017-09-12 15:05:37 | Pattyesq | 0 | 2 | 0.5 | Credit | /r/personalfinance/comments/6znj10/target_gift_card_online_registration_serious/ | https://www.reddit.com/r/personalfinance/comments/6znj10/target_gift_card_online_registration_serious/ | personalfinance | west_pharmaceutical_services |
6tfii3 | 1 year update: Resident Physician to Attending Physician | Hello Everyone, I figured I would do an update from my post from [last year](https://www.reddit.com/r/personalfinance/comments/4m1ln3/resident_physician_with_400k_medschoolgrad_school). Although this post will come across as humblebrag, please note this is not my intention! It’s simply therapeutic for me to share with... | 1,502,636,222 | 2017-08-13 14:57:02 | NewDoc2016 | 344 | 105 | 0.81 | Planning | /r/personalfinance/comments/6tfii3/1_year_update_resident_physician_to_attending/ | https://www.reddit.com/r/personalfinance/comments/6tfii3/1_year_update_resident_physician_to_attending/ | personalfinance | west_pharmaceutical_services |
6mc3dc | Trying to move across the country | I'm 24 years old and at the moment I'm still living with my parents on the east coast. I was employed until recently, when I quit my job due to reasons listed in my post history.
I still have around $3500 - $4000 (depending on when I move out) left from when I was employed.
One of my friends, whom I've known for a v... | 1,499,659,004 | 2017-07-10 03:56:44 | Leoneri | 5 | 12 | 1 | Budgeting | /r/personalfinance/comments/6mc3dc/trying_to_move_across_the_country/ | https://www.reddit.com/r/personalfinance/comments/6mc3dc/trying_to_move_across_the_country/ | personalfinance | west_pharmaceutical_services |
6iohs9 | I'm a 24 year old waitress with an arts degree who just paid off her student loans in seven months thanks to PF advice! | I've read a lot of these 'triumphant' posts about paying loans and it always turns out the person was an engineer and got a huge bonus, or lived at home, or came into inheritance, or something. I was pretty frustrated by this when I started reading PF, because of course those people can pay their loans! I tried to the ... | 1,498,076,356 | 2017-06-21 20:19:16 | WindowsVista98 | 10,201 | 615 | 0.88 | Debt | /r/personalfinance/comments/6iohs9/im_a_24_year_old_waitress_with_an_arts_degree_who/ | https://www.reddit.com/r/personalfinance/comments/6iohs9/im_a_24_year_old_waitress_with_an_arts_degree_who/ | personalfinance | west_pharmaceutical_services |
6hm9as | Advice needed on what to do with a Franklin Templeton fund with horrible expense ratio | Quick background. I opened a Franklin Templeton fund back in 2012 with roughly $6k at BancWest Investment Services. At the time, I wasn't into investing (at all) so I just let the money sit there and completely forgot about it. To make matters worse, it was a taxable account and I was only invested in the Franklin Inco... | 1,497,616,704 | 2017-06-16 12:38:24 | kifra101 | 1 | 8 | 1 | Investing | /r/personalfinance/comments/6hm9as/advice_needed_on_what_to_do_with_a_franklin/ | https://www.reddit.com/r/personalfinance/comments/6hm9as/advice_needed_on_what_to_do_with_a_franklin/ | personalfinance | west_pharmaceutical_services |
6hjz3o | First "real" job offer at 35k. No benefits, no overtime but "lot's of opportunity for growth" | Pharmaceutical industry related job offer starting at 35k as a support/trainee position. The company contracts out to pharma companies and provides a service and has been around for just over 5 years. Job requires a STEM degree and knowledge of the field. Expected to work some weekends and nights to finish projects.
... | 1,497,582,528 | 2017-06-16 03:08:48 | thepastryking | 4 | 5 | 0.71 | Employment | /r/personalfinance/comments/6hjz3o/first_real_job_offer_at_35k_no_benefits_no/ | https://www.reddit.com/r/personalfinance/comments/6hjz3o/first_real_job_offer_at_35k_no_benefits_no/ | personalfinance | west_pharmaceutical_services |
5zrddg | I'm starting a wedding ministry/notary public service in Florida, and I have a couple of tax questions | Hi all. I hope that this is the right place for these questions. If it's not, I'll happily go where directed.
I've recently become a bonded notary public for the State of Florida, and I've been an ordained minister for a few years. I've performed a few weddings for friends for free (well, for alcohol), but now... | 1,489,679,483 | 2017-03-16 15:51:23 | revevc | 1 | 4 | 1 | Taxes | /r/personalfinance/comments/5zrddg/im_starting_a_wedding_ministrynotary_public/ | https://www.reddit.com/r/personalfinance/comments/5zrddg/im_starting_a_wedding_ministrynotary_public/ | personalfinance | west_pharmaceutical_services |
5zl3g4 | Live my dream now or later? | This is going to be a long one. This is a throw away account so that I can disclose my financial situation and not have it linked to me.
I have a dream to sail around the world. I know that might sound corny but it's my dream.
History: When I was 18 I went sailing for the first time and it had such a profound effec... | 1,489,601,939 | 2017-03-15 18:18:59 | throw_away_questionr | 5 | 32 | 0.7 | Other | /r/personalfinance/comments/5zl3g4/live_my_dream_now_or_later/ | https://www.reddit.com/r/personalfinance/comments/5zl3g4/live_my_dream_now_or_later/ | personalfinance | west_pharmaceutical_services |
5ocf2f | Advice on Buying a Home with 3% Down | /r/personalfinance,
I have begun to look more seriously into purchasing a home with my long term SO and am looking for input on our decision. We have lived in our pricey west coast city for just over a year (graduated college in 2015) and my SO has only just recently found a high paying job so our down payment is curr... | 1,484,590,678 | 2017-01-16 18:17:58 | Koric5733 | 0 | 11 | 0.5 | Housing | /r/personalfinance/comments/5ocf2f/advice_on_buying_a_home_with_3_down/ | https://www.reddit.com/r/personalfinance/comments/5ocf2f/advice_on_buying_a_home_with_3_down/ | personalfinance | west_pharmaceutical_services |
5lmyct | Starting a 401K, Cant decide on asset allocation | Age: 26
Income: 110k
Children: 0
Funds: Have a Traditional and ROTH IRA with Vanguard Ive been contributing to. These are Target Date retirement accounts
Planned retirement age: ASAP :P
Debt: none
401k: Traditional
Employer contributes: Is not offered. Id still like to contribute to my 401K once my IRA is... | 1,483,384,258 | 2017-01-02 19:10:58 | UncreativeArtist | 4 | 13 | 0.65 | Retirement | /r/personalfinance/comments/5lmyct/starting_a_401k_cant_decide_on_asset_allocation/ | https://www.reddit.com/r/personalfinance/comments/5lmyct/starting_a_401k_cant_decide_on_asset_allocation/ | personalfinance | west_pharmaceutical_services |
5ix266 | Negative Amortization on Federal Student Loans?? | Hi everyone,
This post has been a long time coming, as I wanted to learn more about personal finance first- I’ve learned so much from reading here and posting my questions. I would like to get all of your opinions one more time!
I’m 28 years old and in May 2016 I graduated from Veterinary School at a large Universi... | 1,482,014,172 | 2016-12-17 22:36:12 | Litterboxer1 | 1 | 6 | 0.67 | Debt | /r/personalfinance/comments/5ix266/negative_amortization_on_federal_student_loans/ | https://www.reddit.com/r/personalfinance/comments/5ix266/negative_amortization_on_federal_student_loans/ | personalfinance | west_pharmaceutical_services |
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