Trying to help my brother out with high monthly payments on truck loan. Trying to help my brother out. He has a car loan with payout of $16,014 and around 18% apr. The monthly payments are $605 and with other bills he doesn’t want to have the truck anymore and wants a regular sedan with a smaller monthly payment. What’s his best option? submitted by /u/Luna_R_T

Help with car loan ? Here’s a situation I’m dealing with where I can’t figure out how to get out of. During Covid I bought I car that I really liked but it was overpriced due to the state of the world wanting used cars at the time. I still owe about 20k on it which I agreed to but the thing is now there seem to be issues with it- electrical and mechanical. I took it…

Won Credit Card Dispute! Hello! I have a question regarding a credit card dispute. Long story short I ordered 3 white appliances from a company in February 2024. They all arrived in October 2024 (fridge, range, and dishwasher). However they were each a different shade of white. The company said their online photos were photoshopped blah blah. I was told I could pay a 3…

Should I keep on saving or pay off debt? Hey everyone! So, I make around $5900 per month which is a very, very good salary where I live. I have made a loooooot of dumb financial decisions in my life and right now I owe around $30k (CCs, small loans,…). I started to get serious in the last year or so and started saving. Right now I have finally saved $30k which sounds just about right…

401k vesting question Hi yall! This might not be the place to ask. My company’s 401k policy is 6% match (100% vested) & 4% match that’s vested after 3 years. I’m about 2.5 years in, but looking to leave at my 3 year mark. Today I opened fidelity, and it says vested balance = $10k, 100% vested in the 4% account (it’s separate from my fully vested account). It used to …

Adding sister to credit card to build her credit I’m not sure how adding my sister to my credit card works. Does it help her credit score? Does it hurt mine if hers is low? Mine is 650 and rising but my younger sister’s credit is too young for her to get her own credit card. She has the credit builder accounts but I would like to help her get it up quicker as she is always worrying about it. W…

First time attempting to get an auto loan but insane rates. Please help. So I am attempting to buy an older used car (just barely older than 10 years old) that has always caught my eye but wanted to take a financing route for this one. Every other car I owned I bought with cash even if it was kinda pricy. Might be tmi but my credit score is around the 730-750 range so I thought in today’s economy a loan would be at …

Should I sell RSU lump sum or over time? I had RSUs from my last company that kinda forgot about. They’ve fully vested and I don’t see the company value soaring in the future. I’m comfortable with the gains these RSUs have made already. I’d rather reinvest this money elsewhere and diversify. I just learned that RSUs are taxed as shares vest, if I understand correctly? So now I will fal…

How much should I put down for my 401k? My company match is 4% but I’ve heard financial gurus to go for 15-20% Hello! My company match is 4% and I learned that’s how much my money will double when I contribute the percentage on my 401k. But I heard financial advisors to go for the 15-20%. I also had my boyfriend tell me that since I’m contributing and my company match so as well then it is 8% in total. If my company match is 4% and I contribute 24% s…

Guidance for 401k and Roth IRA funds First Time investor here and looking for tips. I’m just getting around to investing this year and would to get some guidance on mutual funds/stocks that you all prefer. Currently have a 401k that my employer matches at 3% to my 6%. It is currently investing in Putnam Retirement Advantage 2055: X. I’ve read that it may be wise to look into the St…

DeepSeek Tops App Store Charts But Scores Near-Bottom In Accuracy via @sejournal, @MattGSouthern DeepSeek, the Chinese AI chatbot topping App Store downloads, failed 83% of accuracy tests and often promotes government positions. The post DeepSeek Tops App Store Charts But Scores Near-Bottom In Accuracy appeared first on Search Engine Journal.

Grandmas finances are a mess I’ve been learning about finances the past couple of years since starting my career (21M), still living with my mom, brother, and grandmother. Last November, I found a delinquent Medicare bill for my 81-year-old grandmother, over $10K in unpaid premiums, threatening to cut off her coverage if not paid. My mom and I scrambled to pay it, but the s…

Write a check to myself from an estate bank account? My uncle died in 2023. I am the administrator of his estate, and his sole living heir. I only recently was able to withdraw the funds from his personal checking account and deposit them in his estate bank account. In the interim, I held services for him, had to hire two attorneys and a CPA, and have had a number of other expenses related to his …

I have cash for a car. Dealer is offering $500 off if I get loan. If I’m going to pay it off immediately with no prepayment penalty, is it worth it for $500 discount? In other words, if I get a $50k loan and pay it off as soon as my loan account is set up, am I paying anything other than $50k? submitted by /u/CarminSanDiego

Looking for asset allocation tool that includes cash Is anyone aware of a (free preferred) tool for checking overall asset allocation across multiple accounts, including bank accounts? Empower doesn’t include them. Thanks! submitted by /u/TheBridgeBothWays

Is Nerdwallet worth paying for? I had an intro call with them to discuss my direction with finances and was explained that the $25 a month option they basically take all of your finances and create you a personalized plan, there’s unlimited messaging with the advisors and they advise you on where to put your money and even things like your benefits options. Has anybody had suc…

Capital One chargeback for fraudulent medical prescription I booked a telemedicine appointment and the physician prescribed medication. Fulfillment was through a pharmacy the telemedicine company contracted with. The medication was successfully delivered. Before it was opened/used, the State Dept of Health inspected the pharmacy and found they operated outside their scope because they lack a sterile co…

Advice on how to pay for dental work – Care Credit maxed Hello all. I have been trying to work through my dental issues, of which I have many, since 2020. It feels a bit like I get on top of them, just for a new round to pop up. I’m looking at, perhaps, $3-5k worth of dental work. My Care Credit is maxed and I can’t increase the limit any further. I have a single credit card, and it is also nearly max…

DeepSeek Fails 83% Of Accuracy Tests, NewsGuard Reports via @sejournal, @MattGSouthern DeepSeek, the Chinese AI chatbot topping App Store downloads, failed 83% of accuracy tests and often promotes government positions. The post DeepSeek Fails 83% Of Accuracy Tests, NewsGuard Reports appeared first on Search Engine Journal.

23, life in financial shambles I make $25/hr with limited over time (42 hours max weekly). I work in the industrial maintenance field and busted my butt off to get here. Anyways, I moved out at 18 and since has been struggling in life financially with only the help of my fiance (23F). First off, I’m in debt like a lot. I owe $9,000 on one credit card and $800 on another. Alt…