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Moderator of r/personalfinance, speaking officiallyScore hidden · 1 day ago · Stickied comment

Your submission has been removed because we don't allow relationship or personal advice discussions (rule 9). While there may be a financial component to your post, you will need to submit again with a title focused on personal finance and without any of the following:

  • Personal history or background information that is not essential to the financial discussion
  • Requests for relationship advice/extensive discussion of your relationship with someone else.

That said, several people have already replied with good information on disputing items on your credit report. You may also find the identity theft guide helpful.

Comment deleted1 day ago
Moderator of r/personalfinance, speaking officially2 points · 1 day ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

Comment deleted2 days ago
Moderator of r/personalfinance, speaking officially1 point · 1 day ago

Personal attacks are not okay here. Please do not do this again.

Comment deleted1 day ago
Moderator of r/personalfinance, speaking officially1 point · 1 day ago

Thanks for your reply. I've removed it because we don't allow relationship or personal advice here. I think you make some good points, but please try and keep the focus on OP's finances and offer some specific steps that OP can take to improve them.

Moderator of r/personalfinance, speaking officiallyScore hidden · 1 day ago · Stickied comment

Your submission has been removed because it is primarily a legal question or discussion which is off-topic for /r/personalfinance. /r/legaladvice can help you determine if you need to contact a lawyer and you may get some basic advice.

While /r/legaladvice can sometimes offer basic advice, talking to a local attorney is the best way to answer any legal questions.

Finally, please note that, if you post to r/legaladvice, you need to make sure to post your location prominently (both Canada and your specific province).

Moderator of r/personalfinance, speaking officiallyScore hidden · 1 day ago · Stickied comment

This submission has been removed because it does not meet the subreddit submission guidelines (rule 1).

Posts must be a question or discussion about personal finance with a descriptive title and may not be:

  • Generic or hypothetical questions
  • AskReddit-style questions, surveys, and polls

Please feel free to repost with a descriptive title (not an open-ended one) and with additional details (i.e. numbers) about your specific situation.

Moderator of r/personalfinance, speaking officiallyScore hidden · 1 day ago · Stickied comment

Hi u/Gardidien,

Thanks for your post. I've removed it because it is primarily a legal question or discussion which is off-topic for /r/personalfinance.

While I believe /r/legaladvice is the better place for this post, it looks like you got some good basic advice here so there may be no need to post it elsewhere if you feel like your question has been answered. Best of luck, and I hope things work out well for your brother!

Moderator of r/personalfinance, speaking officiallyScore hidden · 1 day ago · Stickied comment

Hi u/Doesntmatterrealy,

Thanks for the update, and congratulations on your success! We ask that success stories be posted in either the weekday thread or the weekend thread (it's usually the second post from the top on /r/personalfinance). Sorry for the inconvenience, but you can post there right now.

Glad to hear things are going better for you, and best of luck!

Comment deleted3 days ago
Moderator of r/personalfinance, speaking officially1 point · 3 days ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

Comment deleted3 days ago
Moderator of r/personalfinance, speaking officially2 points · 3 days ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

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Comment deleted3 days ago
Moderator of r/personalfinance, speaking officially4 points · 3 days ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

Moderator of r/personalfinance, speaking officiallyScore hidden · 3 days ago · Stickied comment

Your submission has been removed because relationship and personal advice is off-topic here and better suited for /r/relationships or /r/advice (rule 9).

Before posting on /r/relationships, you should read their sidebar requirements for submission titles, including a "TL;DR", etc.

Submissions removed for this reason typically include one or more of these off-topic aspects:

  • Content that would be better suited for /r/relationships
  • Posts asking for advice on how to convince someone else to change their behavior, settling arguments, etc.
  • Relationship drama not essential to a question or discussion
Comment deleted3 days ago
Moderator of r/personalfinance, speaking officially0 points · 3 days ago

Please keep comments respectful.

Comment deleted3 days ago
Moderator of r/personalfinance, speaking officially2 points · 3 days ago

You are supposed to refrain from insults and offer respectful, helpful suggestions on how OP can improve. If you are unwilling or unable to do so, please let us know.

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Moderator of r/personalfinance, speaking officially1 point · 3 days ago

This comment has been removed. Our subreddit rule against "pumping" disallows:

Pushing speculative, volatile, or illiquid investments, especially flippantly, tersely, or implying huge returns.

Please see rule 10 for additional information.

Comment deleted3 days ago
Moderator of r/personalfinance, speaking officially7 points · 3 days ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

Comment deleted4 days ago
Moderator of r/personalfinance, speaking officially1 point · 4 days ago

That’s pretty much how we roll here. Serious for sure. Grumpy is in the eye of the beholder.

Comment deleted4 days ago
Moderator of r/personalfinance, speaking officially1 point · 4 days ago

This comment has been removed. Our subreddit rule against "pumping" disallows:

Pushing speculative, volatile, or illiquid investments, especially flippantly, tersely, or implying huge returns.

Please see rule 10 for additional information.

Comment deleted4 days ago
Moderator of r/personalfinance, speaking officially9 points · 4 days ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

Moderator of r/personalfinance, speaking officiallyScore hidden · 4 days ago · Stickied comment

This submission has been removed because it does not meet the subreddit submission guidelines (rule 1).

If you want to link to content, you must do both of the following:

  • Quote the relevant section of the content and provide a summary.

  • Describe why you think it is interesting, what questions it brought to mind, or what specific aspect(s) you would like discuss.

Original Poster1 point · 5 days ago

Oh. Well my fear is that the ACA is repealed. Do you just perceive the probability of that being so low you don't think I should factor it in?

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That's up to you. I don't speculate on politics here. I will note that, prior to the ACA, pre-existing conditions were still required to be covered so long as there was not a "gap" in you insurance coverage. I.E. if you had coverage and changed jobs, provided that your "gap" in coverage was very short (3 months or less I believe), there was no waiting period/exclusion for pre-existing conditions.

It also helps to understand why pre-existing coverage restrictions exist in various forms. For an insurance market to function, on average you need more premiums collected than payments made. This means you need more "healthy" people than "sick" people (this is very oversimplified, but it works to a point). If pre-existing conditions were covered with no requirements, people would have little or no incentive to get coverage when healthy.

Various laws try to solve this problem in different ways - some by excluding pre-existing conditions (and using that to motivate healthy people to have coverage in case they developed a problem). The ACA took a slightly different approach with the individual mandate (i.e. buy coverage or pay a fine) combined with a limited annual "open enrollment" period.

Again, I'm happy to discuss the law as I understand it currently as well as past versions of it, but I won't speculate on what might happen in the future or the effectiveness of the system since that is largely a function of your personal political beliefs.

Original Poster1 point · 5 days ago

Ok wait. That gap thing is important to me. Did it also apply to switching from job insurance to private insurance?

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Yes, at least in some cases. My wife has a chronic condition, and when I went back to school there were private plans that would have covered her. Granted, the ACA passed before this actually became an issue for us, so I never did more than a cursory look to see that there would have been some feasible (if expensive) option for us.

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Moderator of r/personalfinance, speaking officially1 point · 5 days ago

mark.

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Moderator of r/personalfinance, speaking officially2 points · 5 days ago

Your comment has been removed because relationship advice is off-topic here and better suited for /r/relationships (rule 9).

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Moderator of r/personalfinance, speaking officiallyScore hidden · 5 days ago · Stickied comment

Your submission has been removed because relationship advice is off-topic here and better suited for /r/relationships (rule 9).

Comment deleted5 days ago
Moderator of r/personalfinance, speaking officially2 points · 5 days ago

Next time hit the report button please.

Moderator of r/personalfinance, speaking officiallyScore hidden · 5 days ago · Stickied comment

Congratulations on your success, but success stories need to be posted in the Weekend Discussion thread. Here is the most recent Weekend Discussion thread (or you can wait until next week's thread).

Please feel free to repost any questions about your finances without any prominent mention of the success (especially in the title or beginning of your post). Be sure to include enough information about your situation or the specific questions you have so that you will get helpful answers.

This is discussed more in our submission guidelines (rule 1).

You may also find our wiki helpful:

Comment deleted6 days ago
Moderator of r/personalfinance, speaking officially1 point · 5 days ago

People can have reasonable disagreements here. But, insults aren't allowed. Please don't do this again.

Comment deleted6 days ago
Moderator of r/personalfinance, speaking officially1 point · 5 days ago

Do not attack people here. If you think someone is attacking you, report the post. In this case, there was no attack on you.

Comment deleted6 days ago
Moderator of r/personalfinance, speaking officially1 point · 6 days ago

Your comment has been removed because we don't allow political discussions, political baiting, or soapboxing (rule 6).

Please note that you've received multiple warnings from us - please take some time to review the rules in detail.

Comment deleted6 days ago
Moderator of r/personalfinance, speaking officially1 point · 6 days ago

Please note that in order to keep this subreddit a high-quality place to discuss personal finance, off-topic or low-quality comments are removed (rule 3).

We look forward to higher quality posts from your account in the future. Thank you.

Comment deleted6 days ago
Moderator of r/personalfinance, speaking officially1 point · 6 days ago

Please note that in order to keep this subreddit a high-quality place to discuss personal finance, off-topic or low-quality comments are removed (rule 3).

We look forward to higher quality posts from your account in the future. Thank you.

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u/Mrme487
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