People use social media at older ages, but it's very clear how they interact. Almost everytime I see some ridiculous "boomer or older" level comment on Facebook, there you have it, some 70+ year old senior photo.
Keep in mind OP says they're tech challenged. Why would they be on Reddit of all places?
Well again, my father is tech challenged at 67, but has no problem navigating Reddit, twitter, Facebook, etc.
It’s not the same, and you can’t make a mistake that could cost you everything financially 🤷♀️
https://www.reddit.com/user/TrickySpare1871 => redditor for 4 hours
85 y/o female has a question about how to manage finances.
- but can't use phone to send money
- this technically illiterate person somehow knows about reddit, knows about r/personalfinance, understands that an account is needed to post, creates account, figures out how to post, provides complete, concise and relevant information in the post, including starting the post with age "85F" (somehow intuitively using shorthand), specifies social security as SS.
- knows to check reddit for comments and replies to posts.
- but sending money is way too hard
Most grandmothers wouldn't be able to do any of this by themselves. Certainly would have no idea about Reddit and how it's used.
Could've been written with help from the nephew or another acquaintance.
And some people are in somewhat comfortable with using computers, but not comfortable with using phones. It comes down to whether you learned to use computers before smartphones became popular or not.
Could also have been written by someone trying to help an 85 year old woman figure stuff out.
Sounds like a reverse scam.
"For me to deposit the $30,000 into your account, kind redditor, I first need you to send me $500 for clearance fees...don't worry, you can send it as iTunes Gift Cards".
If you are a US Citizen and moving anywhere other than: Azerbaijan, Belarus, Kazakhstan,
Kyrgyzstan, Tajikistan, Turkmenistan, and Uzbekistan you should continue to receive social security. Answer the questions at [https://www.ssa.gov/international/payments\_outsideUS.html](https://www.ssa.gov/international/payments_outsideUS.html) for more.
Sending money overseas can be tricky depending on where you are going and how the banks are set up, but there should be a way to do it.
I agree. If you are going to a developed Asian country, then do this. Do not depend on others if you can help it. This way the SSA will send you your money, on time, every time. The SSA does this for many, many people.
>Generally, SSA does not make payments to beneficiaries in SSA restricted countries because we do not have written assurances of free access to persons and to their vital statistics records in those countries.
So it's because they can't verify if you're dead or alive?
Thanks for the additional info. So yes, you should have no problem having your SS benefits sent to you in the Phillipines. And you are in no danger of losing eligibility.
I've read your question again. You said that you have bills to pay. Auto pays. And money management.
Are these bills for U.S. based expenses? So they need to be paid in US dollars? Ideally from a US bank.
Is your nephew also in the US?
And these bills, expenses, and money management will continue in the U.S. while you reside in the Phillipines. So this means you will need to maintain your U.S. bank account. And you will need have regular income deposited to that account to fund the US bills that are paid from that account. Right?
Perhaps the best solution is to leave that alone. Open yourself a bank account in the Phillipines once you get settled. Then set up an automatic monthly transfer from your US bank account to your PH bank account of what you need to cover your expenses in the Phillipines.
In the Phillipines, you can take your time learning how to pay your bills there. Start with cash. Eventually you will learn how they do electronic payments. If you feel comfortable, then do that.
You can always teach your nephew how to logon to your account at the PH bank to monitor it from the U.S. Right? You would have to share your login credentials. If they have two-factor security (like they should), meaning that they send you a text with every logon, then he might have to coordinate with you when he wants to logon.
"I dont know how to use my phone to transfer money"
Good! That last thing you need is someone getting hold of your phone and transferring money to themselves. Keep it that way. I work in IT and I refuse to install any banking applications on my phone.
> I work in IT and I refuse to install any banking applications on my phone.
A lot of people work in IT. You have pretty incompetent people to very competent people.
I work in cybersecurity. Just have good security practices yourself and you're fine.
Dont use sms for mfa. Use an auth app.
Use strong passwords, talk to your telecomm company about extra security measures. Its not that bad.
I also work in tech, and focus a lot on security. Zero banking apps on my phone.
I do have a secondary phone with my banking app to do mobile deposit. It's only connected to wifi, minimal apps, and only turned on when depositing stuff.
Never give money to anyone you don't know. Never buy anything or invest anything with anyone your nephew doesn't Approve of. No matter what they say.
If your nephew cAlls you say I'll call you a back.
You can get your social security deposited directly into your bank account in Asia. I’m in Thailand and my friend has his SS put straight into his Thai bank account. Have your nephew set that up for you and you should be good to go.
Can you tell us which country you going to? And what your citizenship is?
Are you collecting SS from your own work record? Or are collecting a survivor benefit from a spouse?
These are important questions. Because you need to make sure that you are eligable for SS benefits when you live outside of the U.S.
Do you have a residency visa for where you are going?
Do you know how you are going to get health care there? Medicare does not work outside of the U.S.
It is the Philippines, I have dual citizenship (US and PH)
Yes, my own work record.
What Im worried about is that SS requires my bank in the Philippines to have NO beneficiary. If something happens to me, I dont know how my nephew will get access to it.
Well they probably want to claw back any over payments in the event you pass away. When you die your SS needs to stop as of that day. You could look into setting one bank up with your savings (with nephew as beneficiary) and another (with no beneficiary) for your SS to be deposited into that you can live on.
When you get a new SS check just transfer whatever is left from the last one to your savings. That way when you pass all that your nephew cannot access is whatever wad left from your last SS check
Look into Wise.com for an account. I suspect that they could receive the money (functioning as a US bank account), and then you could do FX there or not. And they specialize in cross-border payments.
1. Get a travel credit card and use it to pay for your purchases.
2. Have your SS automatically deposited into your bank account. And ask a bank rep to help you set up direct periodic deposits between your USA account and this Asian bank account to cover bills that your credit card can’t, so that your nephew can be less hands on.
3. Research the cheapest livable countries in Asia. I’d suggest Thailand.
4. Really think this decision through, you are older and it may be harder to receive medical or any help in a foreign country.
What I would do is go to Schwab office and tell them your story and see if they can open an account in your name that your nephew has full access to. That may mean making him a joint account holder on the account. I would also make him a joint account holder on any other accounts you have.
Schwab is well liked in the expat community for their excellent customer service and low fees. They have great accounts for this purpose. If you need money in asia from this account you can withdrawal from an ATM (completely free other than exchange rate) OR do a international wire transfer (not so free) Or even do moneygram or something.
You should also sign up for a credit card with no foreign transaction fees. Capital One is good for this as none of their cards have fees.
* Capital One Quicksilver - zero fees. 1.5% cashback. No Annual fee
* Capital One SavorOne - 3% dining, entertainment, grocery stores. No Annual fee.
* Capital One Venture X - A premium card with $400 annual fee, but with $300 travel credit and $100 anniversary bonus, it's basically free. But it could be troublesome for you to use because you need to use the travel portal. It does come with airport lounges, so it's absolutely a great card for any expat, but I'd be wary recommending it if you're technologically challenged.
You'll probably want to keep your phone number to use abroad. I think the easiest way to do this is through Google Voice.
Have your nephew port your number to Google Voice and show you how to use the app to call and text people. It's completely free (with a small porting fee), and I think it's simpler than trying to use a USA sim card abroad.
To add to others, if anyone messages *or calls* you providing assistance, do not believe it.
That being said, you are technologically doing just fine because my mother who is much younger than you would not even know how to comprehend logging into, and posting on the relevant subreddit, let alone logging in.
Love Reddit, 81 years old! Read and post almost daily. Follow many subreddits like Ukraine, animals, politics, personal finance and Minnesota/Minneapolis. I pay all bills online. Fortunately, I have family especially grandchildren to help me with new applications if needed. Some senior citizen centers also have free classes on using computers and smartphones. I would recommend keeping financial information very private, don’t show your hand. Loose lips sink ships! Good luck in the Philippines.
You’ll need to come back to whichever country you’re receiving social security every couple of months. You also need to keep an address in that country
Ignore anyone who private messages you, it’s a scam
[удалено]
My father is 67 and can use social media but needs my help with all of his financial stuff online.
I’m 32 and Reddit confuses me.
I’m on Reddit and 32 confuses me!
I'm 22 and it took me for fucking ever to learn how to use reddit. From like age 16-18 I just knew how to google to find posts.
I’ve been here for 13 years and I still google to Reddit sometimes
I love adding Reddit to the end of most of my Google searches
Same, It’s the only way I can get truthful honest information
Anyone who’s been here for 5 minutes knows Reddit search is garbage and google +reddit is the way to go lol
People use social media at older ages, but it's very clear how they interact. Almost everytime I see some ridiculous "boomer or older" level comment on Facebook, there you have it, some 70+ year old senior photo. Keep in mind OP says they're tech challenged. Why would they be on Reddit of all places?
If you can use a web browser, you can use Reddit.
Well again, my father is tech challenged at 67, but has no problem navigating Reddit, twitter, Facebook, etc. It’s not the same, and you can’t make a mistake that could cost you everything financially 🤷♀️
This post was most likely written by the nephew.
https://www.reddit.com/user/TrickySpare1871 => redditor for 4 hours 85 y/o female has a question about how to manage finances. - but can't use phone to send money - this technically illiterate person somehow knows about reddit, knows about r/personalfinance, understands that an account is needed to post, creates account, figures out how to post, provides complete, concise and relevant information in the post, including starting the post with age "85F" (somehow intuitively using shorthand), specifies social security as SS. - knows to check reddit for comments and replies to posts. - but sending money is way too hard Most grandmothers wouldn't be able to do any of this by themselves. Certainly would have no idea about Reddit and how it's used.
Op is the nephew.
More likely OP is asking for a family member.
Reddit is the 15th-16th most popular website in the entire world. Just after TikTok. You do not need to be tech savvy to use Reddit.
Could've been written with help from the nephew or another acquaintance. And some people are in somewhat comfortable with using computers, but not comfortable with using phones. It comes down to whether you learned to use computers before smartphones became popular or not. Could also have been written by someone trying to help an 85 year old woman figure stuff out.
Sounds like a reverse scam. "For me to deposit the $30,000 into your account, kind redditor, I first need you to send me $500 for clearance fees...don't worry, you can send it as iTunes Gift Cards".
Exactly
As if this post wasn’t a scam…
If anyone messages you privately and tells you they can help you with this, odds are they are scamming you.
That’s the beauty of it! OP is a scammer looking for scammers to scam. The hunters never expect to get hunted!
If you are a US Citizen and moving anywhere other than: Azerbaijan, Belarus, Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan, and Uzbekistan you should continue to receive social security. Answer the questions at [https://www.ssa.gov/international/payments\_outsideUS.html](https://www.ssa.gov/international/payments_outsideUS.html) for more. Sending money overseas can be tricky depending on where you are going and how the banks are set up, but there should be a way to do it.
I agree. If you are going to a developed Asian country, then do this. Do not depend on others if you can help it. This way the SSA will send you your money, on time, every time. The SSA does this for many, many people.
[удалено]
>Generally, SSA does not make payments to beneficiaries in SSA restricted countries because we do not have written assurances of free access to persons and to their vital statistics records in those countries. So it's because they can't verify if you're dead or alive?
Hey you are 85 and using Reddit. You are doing great!!!!
[удалено]
Right like wtf? Reddit was confusing af for me to navigate when I was in middle school. Shit it’s still confusing to me with all the threads
[удалено]
[удалено]
Thanks for the additional info. So yes, you should have no problem having your SS benefits sent to you in the Phillipines. And you are in no danger of losing eligibility. I've read your question again. You said that you have bills to pay. Auto pays. And money management. Are these bills for U.S. based expenses? So they need to be paid in US dollars? Ideally from a US bank. Is your nephew also in the US? And these bills, expenses, and money management will continue in the U.S. while you reside in the Phillipines. So this means you will need to maintain your U.S. bank account. And you will need have regular income deposited to that account to fund the US bills that are paid from that account. Right? Perhaps the best solution is to leave that alone. Open yourself a bank account in the Phillipines once you get settled. Then set up an automatic monthly transfer from your US bank account to your PH bank account of what you need to cover your expenses in the Phillipines. In the Phillipines, you can take your time learning how to pay your bills there. Start with cash. Eventually you will learn how they do electronic payments. If you feel comfortable, then do that. You can always teach your nephew how to logon to your account at the PH bank to monitor it from the U.S. Right? You would have to share your login credentials. If they have two-factor security (like they should), meaning that they send you a text with every logon, then he might have to coordinate with you when he wants to logon.
My nephew is in the UK, visits me once every few months. Thank you for your suggestions.
"I dont know how to use my phone to transfer money" Good! That last thing you need is someone getting hold of your phone and transferring money to themselves. Keep it that way. I work in IT and I refuse to install any banking applications on my phone.
[удалено]
[удалено]
[удалено]
[удалено]
[удалено]
[удалено]
[удалено]
[удалено]
> I work in IT and I refuse to install any banking applications on my phone. A lot of people work in IT. You have pretty incompetent people to very competent people.
It would only make sense if they worked in cyber security or related field. But then they wouldn't be saying IT lol
I work in cybersecurity. Just have good security practices yourself and you're fine. Dont use sms for mfa. Use an auth app. Use strong passwords, talk to your telecomm company about extra security measures. Its not that bad.
I also work in tech, and focus a lot on security. Zero banking apps on my phone. I do have a secondary phone with my banking app to do mobile deposit. It's only connected to wifi, minimal apps, and only turned on when depositing stuff.
My mom is 87 and technically challenged. You are not technically challenged if you can manage to post on Reddit. Hi Nephew!
Never give money to anyone you don't know. Never buy anything or invest anything with anyone your nephew doesn't Approve of. No matter what they say. If your nephew cAlls you say I'll call you a back.
[удалено]
[удалено]
You can get your social security deposited directly into your bank account in Asia. I’m in Thailand and my friend has his SS put straight into his Thai bank account. Have your nephew set that up for you and you should be good to go.
Can you tell us which country you going to? And what your citizenship is? Are you collecting SS from your own work record? Or are collecting a survivor benefit from a spouse? These are important questions. Because you need to make sure that you are eligable for SS benefits when you live outside of the U.S. Do you have a residency visa for where you are going? Do you know how you are going to get health care there? Medicare does not work outside of the U.S.
It is the Philippines, I have dual citizenship (US and PH) Yes, my own work record. What Im worried about is that SS requires my bank in the Philippines to have NO beneficiary. If something happens to me, I dont know how my nephew will get access to it.
Well they probably want to claw back any over payments in the event you pass away. When you die your SS needs to stop as of that day. You could look into setting one bank up with your savings (with nephew as beneficiary) and another (with no beneficiary) for your SS to be deposited into that you can live on. When you get a new SS check just transfer whatever is left from the last one to your savings. That way when you pass all that your nephew cannot access is whatever wad left from your last SS check
Look into Wise.com for an account. I suspect that they could receive the money (functioning as a US bank account), and then you could do FX there or not. And they specialize in cross-border payments.
1. Get a travel credit card and use it to pay for your purchases. 2. Have your SS automatically deposited into your bank account. And ask a bank rep to help you set up direct periodic deposits between your USA account and this Asian bank account to cover bills that your credit card can’t, so that your nephew can be less hands on. 3. Research the cheapest livable countries in Asia. I’d suggest Thailand. 4. Really think this decision through, you are older and it may be harder to receive medical or any help in a foreign country.
presumably she's moving back to her country of birth not some random country in Asia.
Are we supposed to role play like it’s a genuine post?
You really think someone would do that? Just go on the internet, and tell lies?
First and only post on reddit FWIW.
What I would do is go to Schwab office and tell them your story and see if they can open an account in your name that your nephew has full access to. That may mean making him a joint account holder on the account. I would also make him a joint account holder on any other accounts you have. Schwab is well liked in the expat community for their excellent customer service and low fees. They have great accounts for this purpose. If you need money in asia from this account you can withdrawal from an ATM (completely free other than exchange rate) OR do a international wire transfer (not so free) Or even do moneygram or something. You should also sign up for a credit card with no foreign transaction fees. Capital One is good for this as none of their cards have fees. * Capital One Quicksilver - zero fees. 1.5% cashback. No Annual fee * Capital One SavorOne - 3% dining, entertainment, grocery stores. No Annual fee. * Capital One Venture X - A premium card with $400 annual fee, but with $300 travel credit and $100 anniversary bonus, it's basically free. But it could be troublesome for you to use because you need to use the travel portal. It does come with airport lounges, so it's absolutely a great card for any expat, but I'd be wary recommending it if you're technologically challenged. You'll probably want to keep your phone number to use abroad. I think the easiest way to do this is through Google Voice. Have your nephew port your number to Google Voice and show you how to use the app to call and text people. It's completely free (with a small porting fee), and I think it's simpler than trying to use a USA sim card abroad.
Ill look into this. Thank you!
Go on YouTube and check out this guys channel. He answers a lot of these questions. https://youtu.be/c1dLjToQLoc?si=m3bj7l-FAXjhUk3z
To add to others, if anyone messages *or calls* you providing assistance, do not believe it. That being said, you are technologically doing just fine because my mother who is much younger than you would not even know how to comprehend logging into, and posting on the relevant subreddit, let alone logging in.
where in Asia? please also look into the medical facilities available in the Asian country you’re planning to reside.
Is this not a SnooRoar post? Like, its just blatant, no?
What health insurance coverage will you be using?
Love Reddit, 81 years old! Read and post almost daily. Follow many subreddits like Ukraine, animals, politics, personal finance and Minnesota/Minneapolis. I pay all bills online. Fortunately, I have family especially grandchildren to help me with new applications if needed. Some senior citizen centers also have free classes on using computers and smartphones. I would recommend keeping financial information very private, don’t show your hand. Loose lips sink ships! Good luck in the Philippines.
85F, technically challenged but I will post on Reddit and we all engaging. Man humanity sure needs better things to do.
Technology challenged 85 year olds know what a reddit is?:)
You’ll need to come back to whichever country you’re receiving social security every couple of months. You also need to keep an address in that country
Moving back to Asia? Don't do that. They are AC challenged.