Which debt do I pay down first? I recently got a bonus and after taxes I have 10k to help pay down some debt. I have 18k in student loans and 28k on my truck. The student loan payment is $110 per month and the truck payment is $670 per month. Which debt do I pay down first? I know I won’t be able to completely pay off either one but my ultimate goal is to lower my monthly expe…

Need to withdraw from 401k I’m on FMLA and have short term disability and receiving partial pay. But doctor delayed paperwork and I missed a pay period and may miss another as doctor is out of office. I have rent coming up along with other bills and need to pay my credit cards and don’t have enough money to cover. I am panicking and thought I could withdraw from 401k enou…

Contributing bonus to 401k & taking loan If I get my yearly bonus, say 20K, would it make sense to throw all or most of it into my traditional 401k, and then take a loan for some of that amount in order to pay off some high interest debt? For reference my employer does NOT match contributions. Please correct me if I’m wrong. My logic is: the interest in which I’m paying back that 401k…

IRA to 401k question? So I’m getting a new job and they offer 401k. My previous job had a IRA. So my question it do I just transfer the money or how will I handle that. Thank you in advance for your time. submitted by /u/alchavez143

Continue Renting or Purchase a House? Hi guys, I am trying to get some more opinions on whether or not to purchase a home. Income: ~115k Savings: ~50k Monthly spending: ~$3500-4000 which includes $1550/mo rent I am looking at houses around $250k-350k and am curious what the better option is currently? Should I resign my lease and wait until I have enough for 20% down as well as a 3…

Does Google Traffic Affect YouTube Recommendations? What To Know via @sejournal, @MattGSouthern YouTube clarifies how Google Search traffic impacts video recommendations, addressing creator concerns about external views and watch time. The post Does Google Traffic Affect YouTube Recommendations? What To Know appeared first on Search Engine Journal.

I live in the USA, should I be prioritizing an e-fund over retirement right now? With the state of everything, especially considering the growing number of layoffs, I’m worried about my job security and my ability to survive a severe recession. I’m 28 and have been at my company less than 1 year, so I’d probably be first on the chopping block if cuts were to happen. I have a few disabilities that make working hell for me, so…

Mortgage payments or 401k, IRA I’ve had an increase in salary from 80k to 155k/year. I’m deciding on how to best divvy up my funds. 30-year mortgage and luckily got a 4.75% rate when we purchased around COVID. Various savings accounts; 529, IRA, and 401Ks with a total of ~40k in savings. 36, married with 2 young children. I’m the only one working. I’m currently putting 15% in…

Starting a new Fidelity account—looking for suggestions! I attempted to open a Vanguard account for over a month and am still having issues, so I decided to go with Fidelity, though I had both Fidelity and Vanguard at the same time. I plan to use Fidelity as a “set it and forget it” account, just as I had intended with Vanguard. My initial goal was to have VTSAX in the Roth IRA and VOO in the taxable …

I need to make an early withdrawal from my rollover IRA to pay bills, groceries. I’ve looked at other options, and this is the best one for my situation. I know that it’s taxed as income plus an additional 10% penalty. My question is are you legally allowed to withdraw early just to pay bills, or are you limited to the particular hardships that the IRS lists? It’s either do this or get utilities shut off and not get grocerie…

Buying a new car, wise or not so wise? Ahhh the question as old as time, or at least the last 40 years. I’m sure this has been asked a million of times but trying to set my mind at ease with such a fiscally involved decision. I’m 24, and just got back to the states after being international for work stuff. I need a car. My previous cars have all been used, paid for mostly by up-front…

Small Value Land inherited – probate? My sister and I inherited a small piece of property worth about $20k in Kern County. Our mother years ago bought it in her name. She passed several years ago and then our dad (they were married) inherited as her husband. He never changed title. He has passed since and the property is still in our mother’s name on title and we’ve been paying the …

Book about investing for beginner Hi, im really interested learning about finance, could you please recomend me some books that you would recomend to person who consider himself as a total beginner ? I would like to understand basic terms like spread,CFD, private debt etc.. And how things work.. I saw that many people recomendeds A Random Walk Down Wall Street But im not sure if…

Are Total Control Accounts worth it Just received life insurance benefit and MetLife suggests their Total Control Account at 2% APY. Just want to make sure I’m doing the right thing. Would it be better to get a check? There are plenty of things I need to pay off now. submitted by /u/Specific_East3947

Minimum threshold for filing 1099 INT, DIV and B I filed for my taxes last week and was accepted by the state and IRS . Today I received a 1099 INT and 1099 DIV from E*TRADE for stocks which I had purchased last year. 1099 INT- $0.20 1099 DIV-$2.45 1099 B – $2.03 I checked online and it says that institutions will not send 1099’s if the amount is less than $10. Am I required to do a amended ta…

Dumb Question about 401ks Putting in my two weeks soon at my current job. What do i do about my 401k? Can I roll it somewhere else? How do i do that? Sorry if this is a dumb question but in fairly young and this is my first time changing jobs. submitted by /u/Flaky-Intention-6416

(Can) Is it worth getting a loan to pay off my CC debt? I have $16K in credit card debt in 2 cards despite having a stable job. I feel like I’m stuck in a cycle of high interest payments ($350~ interest payments) that barely make a dent in the balance. Every time I make a payment, most of it seems to go towards interest rather than reducing what I actually owe. A friend suggested looking into a loan …

Have money in Columbia Threadneedle for last 20years from grandpa. Should I move it out? My grandpa put money into a Columbia International Dividend Income -I account. It hasn’t grown much in the last 20 years and I’m thinking I should move it out. Any advice as to what this account is? My dad told me to leave it in there, but I feel like in the last 10-15 years it has only growing $4,000 without me reinvesting. It’s been active sin…

529 – PHD Student living with spouse, is board rent or half of rent? Hi All, I’m a PHD student living with my spouse. We contribute to a 529 plan regularly and and then withdraw some of the money to pay for qualified expenses like rent and internet. I’ve been looking around trying to figure out if the qualified amount for rent/utilities would be the full bill, or only half? It’s under the university room+board e…

Best way to file tax on multiple streams of income My brain melts when dealing with taxes, please excuse me if this seems moronic Last year I was brought in as a paid consultant for a startup during buildout. Ultimately I agreed to sign on and eventually got put on payroll. I also provided a few contract services for the company that I got paid separately for. Aside from the payroll income all p…