I desperately need to help my 50 year old dad find another job. He currently works in manual labour and his body can’t handle it anymore.

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Maybe he could look for maintenance jobs at a local nursing home? I think they do general stuff, fix the basics, plus he’d probably enjoy being around the residents. Good luck to him, I hope he finds something soon! And you’re so sweet to reach out for ideas, he’s a lucky dad.


Have him look into working the counter at a local supply house. (Electrical, hardware, HVAC)

His industry knowledge will get his foot in the door, and even though it’s a “customer service” job, the customers are all blue collar folks, and are probably people he may already know!

I regularly work at these types of businesses and a LOT of the employees are guys just like your dad.


This almost exactly matches my father-in-law, and he transitioned to a maintenance person for the government. Got a job working for the National Park Service. There is still SOME labor, but not the full days as a general contractor type. Decent pay, way more laid back. Good benefits. I bet he would like it.

Head over to USAjobs.gov and look for government positions that match his skillset in your area. If you find something you think would be promising, it would help to find a federal employee to help with the application process – it can be a pain.


“Engineer” at a hotel. Usually around 14-22 an hour, fixing ovens to punting bathrooms. Maybe spend 6 weeks changing every vanity light bulb. Cush job (sometimes) with decent pay and benefits. It usually has overreaching hr that will bend over backwards to not fire people(depending on company, recommend Marriott, ac hotels, Omni)


there’s an entire side of the construction industry where it’s all paper work and not jack hammering you should be looking into. he has 20 plus years of experience and there is several jobs that are not hard labor in the field of construction he can use that experience to do. i personally can tell you that anything out there requires a secondary degree.. i lost a great desk job because the owner of the company sold out and despite the fact i ran the department myself, they let me go because i had no college degree of any kind.


Your salary and “The talk” with the boss.

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Your boss is lucky to have you as an employee and I’m glad everything worked out for you.


You have a good boss who understand and values you. Glad it all worked out and happy holidays!


I got a university degree in physics and I’m working as a software developer for over 5 years. I’ve been with my current company for more than 2 years but I haven’t seen any kind of pay raise. I’m making 55k a year Canadian (About 42k USD) which is well below the standard rates for that position where I live. However I have super bad anxiety and I have no idea how to even begin to ask for a raise. I also don’t feel like my performance in the last year has been as good as it could have been. I am 30 if that makes a difference. Do you have any advice?


Congrats! I ended up quitting my job where I wasn’t going anywhere, career and pay, and doubled my income in 6 months. I’m still underpaid for my position but I’m relatively new at it so I’m thinking in about a year I start looking again.


> a young, small company, and in that five years, he has gone through a rough divorce, and his daughter fought and beat Leukemia. It’s tough to demand annual reviews and pay raises when your boss is sleeping in a chair in a hospital next to his five year old. Not making an excuse for him, but more an excuse for why I didn’t do something sooner.

I have a very amazing, but forgetful boss. She was my supervisor at another company (and she was only 29 years old), and came to me and said she wants to leave and start her own company doing the work we did there.. and asked me to come with her.

Having never owned a company before, and being pretty forgetful as a human in general, I made it 2 years in doing a LOT of work and only taking home $26k after you accounted for taxes and out-of-pocket health insurance (she had been paying me like $42k?). Like you, I went to her one day and laid it all out. She hadn’t even realized what I was still being paid. She gave me a $15k raise, took on my entire health insurance, and I got a 5% COL raise a year later (and expect to continue getting 3%-5% each year).

It is easy to be upset and feel like you need to go in guns blazing, but some people are truly just so occupied with other shit that 2 years have passed and they haven’t sat down and assessed their employees. It by no means excuses that – it should be a priority. But if they are able and willing to rectify it, it isn’t worth packing up and leaving for me personally.


I’ve been offered a job that pays $800 a week for only 3 hours a day, 3 times a week.

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I wonder how many people are going to offer advice without reading your entire post. Pro tip for other commenters: OP knows it’s a scam and says as much in the post.


I was exchanging an item at Walmart once and a guy in line asked to setup a $902 Walmart to Walmart transfer. The employee casually asked what it was for and the guy mentioned that he sold something on Craigslist and the buyer sent a check for $999 and he had to cash it and send back the item and the $902. I interjected and said SCAM and told the guy not to send the money. He said the check cleared at his bank. I told him it would probably bounce later and he would be out the money. The employee said she agreed and didn’t want to do the transaction and like 3 other people in line agreed. I told the guy to go back to his bank and tell him the same story he just told us and don’t spend a dime.

I am 100% sure I saved that guy from getting scammed out of $902 that day. Sad part was he seemed like that would have really been a financial blow if it happened to him. (Would have hurt me too)

I really hate how these scum bags prey on people like that. This check scam is executed many different ways. It’s sick


Their website is the best, their Head Quaters is in Canada. And their CEO is 14


I just had this happen to me. I went through a Google Hangout interview and they hired me on the spot and wanted me to cut checks from my house. I played along but when they refused to tell me what I would be receiving at my house, I knew it was a total scam. I wish people would stop preying on people who need work.


Well I had this happen to me except it was a “dog walker” position. Paid for a year up front in a money order. Right before money order arrived try said something came up and needed the money back and will be cancelling the contract. But for my troubles I could keep half. Which was about $2500.

I was skeptical the whole time. Once the money order arrived I went over it very closely and found multiple spelling errors and small iconographical mistakes. I pointed this out to my bank they marked it and apparently have a protocol where they turn stuff over to FBI.

After doing some research I confirmed it was a scam. The thing is you deposit the money order(fake money) and the before it has time to be authenticated(but to you it looks like it’s actually in your account) they ask for money back. Which you send them in a money order(real money) and now they have $2500 in real money and your fucked.


Just figured out how to get ETF data into Google Sheets without paying for a subscription to an API

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Works great! Wish I could upvote twice.


It’s probably easier to use the built in GOOGLEFINANCE function. You can get historical (or real-time!) prices for any ticker.

= GOOGLEFINANCE(“SPYG”, “price”, “1/1/2019”)


This is built into Office 365, in Excel you can format a cell as “Stock” using the “Data” tab in the ribbon. Has a lot of data for each stock so it’s easy to build a table out of it. A lot less work than this in sheets because it’s natively built in. Works great for ETFs, unlike “GOOGLEFINANCE”


Be aware that this might not work some day if they change their layout or page markup.


Zelle used to send money between 2 of my accounts. The account flagged was flagged as fraudulent, transactions disputed, and they’ve kept my money.

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So let me get this straight — you are the only owner of both of these accounts?

If that’s the case, I would go into the bank that claims the transaction was disputed and I wouldn’t leave until this is resolved since you clearly did not dispute it. I would speak with someone in management and explain to them that you used Zelle to transfer funds between two accounts that you own and you are being told the transaction was disputed. This needs to be resolved by the bank and only the bank.


Yeah the bank that flagged the money needs to explain how they came to that conclusion. They then need to reimburse the money to you or have zelle release the funds.


I used to design corporate policies for banks. HERES HOW YOU FIX IT.

Walk into the bank, explain the situation and ask to speak to the manager. He’ll give you a runaround, call this number, call that number. Remain calm and civil, but firm. Explain to him that if you don’t leave with a resolution, you will be filing a complaint with the OCC, naming him specifically. this is when he’ll think to himself “oh shit, I really don’t want to have to deal with all that.”

See if he is able to come up with a better solution after that – he probably won’t be able to resolve the situation instantly (and he shouldn’t be able to, or else a scammer could walk in and pull the same shit), but the motivation is now there. If they haven’t helped you sufficiently, google OCC (office of the comptroller of the currency) and file a complaint. Also google “(your banks name) office of the president” send an email to the address you find, referencing the # of your now submitted OCC complaint.

Sit back and wait 24-72 hours to receive a call from the most helpful customer service rep you have or ever will talk to in your entire life. Seriously. The folks that handle these kinds of complaints are fucking ninjas, college degrees in psych or something similar, and really sharp people.


I had something similar to this happen when I sent a Zelle payment to my girlfriend that never deposited in her account, Chase to Bank of America.


No one would play ball. Filed a CFPB complaint and the issue still did not resolve as they just pointed to some clause in the Terms of Service for Zelle.


Ended up having to get on the phone with Chase, tell everyone they transferred me to that I was about to file a lawsuit in small claims, until I got to some “executive Resolutions” department.


I did have to end up filing the suit. As soon as I did they immediately caved to my demands plus additional for my time and filing fees and I had the case dismissed.


Unfortunately, this may also be the way you need to go.


I work as a supervisor at a bank in digital support and we call Zelle. Call Zelle at the number listed in Google but when the automated system asks if you use Zelle through your bank, say no. Zelle has a stand alone app and if you say no, the ivr will take you to a Zelle Rep. Good luck!


I bought a 2016 Nissan Rogue and wrecked it. I hadn’t switched my insurance yet. I was at fault in the wreck…so it will be paid out of pocket. The towing company told me that it’s totaled….but I’m taking it for an estimate tomorrow. I owe 23,000 on it..so don’t know what to do.

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Due to the stream of rule-breaking comments the post was receiving, especially personal attacks, the moderation team has locked the post from future comments. This post broke no rules and received a number of helpful and on-topic responses initially, but it unfortunately became the target of many low-quality comments.


How was the ownership written? You dad’s insurance may cover with in the grace period, which varies from state to state and company to company. I highly recommend like most every one else is saying, you probably want a lawyer for this.


You’re also on the hook for the damage to the other car. They’ll have uninsured motorist coverage but their insurance can still come after you. In the future, your old insurance would have covered you in the new car for a few days until you notified them of the swap. Ordinarily you don’t cancel the old insurance until new insurance is in place.


You need to buy a $4k Toyota and pay off the one you just wrecked. Never drive without insurance.


Tell your dad immediately.

This sounds very strange, I’ve never been able to drive a car off a lot until I was able to prove it was properly insured.


New (atleast new to me) scam to keep in mind.

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Password managers are a great help with this too. Many scammers direct you to a site that’s not the one they present themselves as. If the email directs you to a website that’s not the one you meant to go to, your details or the option to fill it in won’t show up, which is a huge red flag.


yeah seen these it’s also why I don’t ever use the links in any emails from online vendors I use. I login to amazon and check directly either on my phone or pc. It’s not worth the risk to do otherwise.

I also have a text alert which let’s me know when items have arrived.


Similar phishing attempted happened to me, but with apple.

Received confirmations that i had bought tinder plus and to review the purchase if i had any questions. Obvious spelling errors and clumsy phrasing made it easier to catch, but others may not be paying attention and get sucked into the scam.

I’ve apparently bought COD mobile and tinder plus twice.

I just forwarded the emails to Apple’s phishing reporting email.

Careful when opening emails, guys.


How do I convince my mother that divulging personal and financial information, because a random pop-up ad says she won $1000, is not the best course of action when browsing the internets? Sometime’s I consider ripping the cable out of her house. She’s barely 60, and really should have more sense. This woman’s bank actually called her during said specific event, (although, this has happened way too many times before, but in other common and obviously scammy fashions,) to let her know that this charge on her account looked very suspicious. She insisted it wasn’t, because she voluntarily gave the information, including her social security and checking account number so they can do a “credit check” and “verify her banking info,” so that she may be sent the $1000 gift card she won from the internet, VIA MAIL. Bank couldn’t convince her. I couldn’t convince her. At this point, I think the bank is irresponsible for allowing her to continue to keep an open account when she invites that much risk and liability. She thinks it’s no big deal because “the bank takes care of it if it doesn’t turn out to be real.” What do they do? Change you identity every time you voluntarily compromise your account? Ask your scammer’s to politely destroy your social security information and not use it maliciously? But my biggest concern is, what likelihood has she divulged MY personal information? There are no words in the English language to get through to her. Sometime’s I think about shaking her, but I don’t think that would do it either, and she can’t afford to lose anymore brain cells. I’m just waiting to hear she renewed her nonexistent car warranty. Those nice scammers must not have offered it to her yet.


Yeah. I got that too. Today as a matter of fact. I realized it was a scam, because the email said it was a gift from someone that I didn’t know. Who is this person, and why are they sending me a gift?

Read everything, people. And when in doubt, delete the email and navigate to Amazon (or whichever ) from the browser. Don’t click the link.


Car company is charging me money for smoking in their car. I am not a smoker. What do I do?

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Rental manager for Enterprise here, if it truly wasn’t you, go in and talk to them in person. Dont be rude, or demand a manager, just politely talk through it with them. Id recommend asking to talk to who rented you the vehicle as well. At my branch, if someone that didnt reek of cigarettes came in and talked through the charges with me, i’d be much more willing to help them, then someone who screamed at me through the phone


You can fight it, but if they have evidence that there were ashes in the car when you brought it back, it’ll be an uphill battle.

Unfortunately, this is no different than failing to note a dent or scratch on the bumper.


Talk to the rental people. Tell them you aren’t a smoker and think it was from the previous rental (or an employee?). They may or may not choose to be helpful or understanding. But it costs nothing to ask! If you’re lucky, they’ll look back for the previous renter, and assess the charge on them…


I’d dispute the charge. I mean first work with the rental car place and tell them your story.

If that doesn’t work, talk to the credit card company that you used to rent the car and tell them this extra $400 is an invalid charge.


In the future, if you get a rental car that smells like smoke, don’t drive it off the lot and go ask for another car. I’ve done this several times in the past because I don’t want to get blamed for something that’s not my fault.


SECURE Act changes to affect student loans and 529 plans

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Please note that the bill has not been signed into law at this point. We’ll do a megathread if and when that happens.


Another major change in this bill that I’m less excited about is the elimination of the lifetime RMD (stretch) option for inherited retirement accounts for most non-spouse beneficiaries. Instead, they will have to be distributed within 10 years.


I guess its better than nothing, but I can’t understand why there is a $10k lifetime limit. Should be $10k per year, which wouldn’t change all that much, because there are so many states that either don’t have income tax, don’t offer a deduction, or do offer a 529 deduction but only for only a few thousand dollars.


So all this is really going to do is save me $50 or so in **state** taxes a year IF I max out the single filer contribution for my state ($5k). Way better off investing the money unless I am missing something?


Can someone ELI5? Does this impact me as a 25 year old from NJ paying of my current student loans?


Scam Alert: Interesting scam I pretty well fell for

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One of our managers fell for this last year. Cost him $500. He thought he got an email from our CEO. The scam email came through our “everyone” account. I laughed about it, but found out a week later that manager fell for it. Out of about 800 employees only one got tricked. I guess it just takes one and that’s why these scams keep happening.

The tell tale signs were all in the email. It was poorly written, seemed urgent, wasn’t sent from one of our company email addresses.

If anyone gets an email that seems out of the ordinary please please do yourself a favor and run through the bs test.

Edit: Let me answer some of the points that some people pointed out below.
1. We have 2 mandatory tests the entire company must complete every year for IT security and email security.
2. Our company sends our reminders regarding phishing emails probably every quarter. If we are not sure about an email we are asked to contact our IT security team.
3. Our IT security team sends out fake tester emails to see who gets tricked and to raise awareness.
4. The manager was male around late 40’s. So it can happen to old or young, male or female.


I work in IT and you wouldn’t believe how many people fall for this every day.


With many email servers, it can be confusing. They allow mail to come in with a return address of x@company.com from outside. So it looks like internal email.

Our shop modified the mail transfer agent to add [External] to the subject line of any email coming through the gateway. That helps alert you into not an internal email.

We’ve also had to do the same to the phones to keep people from spoofing internal numbers that would show up with the right name on the caller I’d.


You didn’t spend $1,200 of your own money because of an email, did you?

So those gift cards went on a company credit card, right?

“Uh, boss, I accidentally bought $1,200 worth of gift cards, but it’s a scam that I caught just in time. So, uh, now that I have the gift cards, should we just give them out to everyone?”

Sounds like a reverse scam to me… 😉


I wonder if this is what scam was sent to me. I received an email from the president of the company. We have over 4000 employees, and aside from annual meetings, I have absolutely zero contact with him.

The email said something like, please respond to this email, I have something private to talk to you about. It was written with such poor grammar that all I could do was laugh.

Then I looked at the email again, and the name of the sender was correct, but it was some bogus Gmail.