#Business

Pay down 6% mortgage or keep in brokerage

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Pay down 6% mortgage or keep in brokerage I have $400,000 in my taxable brokerage account and owe about $375000 on my mortgage at 6% interest. I was planning to wait for 2025 and 2026 interest rate cuts to refinance – but the outlook on mortgage interest rates seems bleak. I figure with the recent market gains + fact that I would be taxed on future capital gains that I am better off ge…

Reddit Personal Finance 770 2025-01-16

What would u do at my age

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What would u do at my age I’m 20 soon to be 21, I have 10k in my savings and I’m in no debt, credit is okay, no car, dropped out of community college. I live in a small apartment with my brothers so my portion of monthly expenses for housing+bills is around 700-800. I do find myself spending on alot of takeout, plus having a girlfriend can be expensive. but she and I wor…

Reddit Personal Finance 809 2025-01-16

At a crossroads on how to use a winter bonus.

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At a crossroads on how to use a winter bonus. Hey all, at a bit of a crossroads. I’ve got a winter bonus coming up from my job. It’s pretty sizable, but I’m not sure how I want to go about using it towards my financial goals. The decision I’m trying to make is: Pay off my personal loans. I’ve got a little over 6k in loans that my bonus could pay off about 90% of. It would leave me close t…

Reddit Personal Finance 832 2025-01-16

Getting Better Credit as a College Student with Little Understanding of Credit

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Getting Better Credit as a College Student with Little Understanding of Credit I am 21f. My mom had me under her credit card for 5 years. I had excellent credit. I recently found out she removed me, and my score dropped 50 points. I was wondering how to build my credit history now that that was removed. My first instinct is a credit card. I am a college student with unsteady or little income, though I did see there are stu…

Reddit Personal Finance 1.1k 2025-01-16

Should I be doing better in my Roth IRA?

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Should I be doing better in my Roth IRA? Need someone with a reality check for me. I started my Roth 4 years ago, and have been contributing max to a 2045 VG retirement target date fund. Current stats: Total Cost – 28,014 Total Market Value – 30562 Total Gain – 2548 All – 9.30% 3 year rate of return – 8.90% 1 year – 13.40% Is this good? Is there something I should be doing better? I f…

Reddit Personal Finance 678 2025-01-16

Help needed – feel like I’m drowning

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Help needed – feel like I’m drowning 34F – I’ve never had good spending habits driven by fiscally irresponsible (but well meaning) parents and late diagnosed ADHD. But now as a mom myself I really want to get my money habits in check to help set my kids up for success. My partner and I are unmarried however we share a home and household expenses in a joint account, then each have …

Reddit Personal Finance 643 2025-01-16

Getting vision insurance vs paying out of pocket?

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Getting vision insurance vs paying out of pocket? Hello. I just moved to the US and was unlucky enough that my eyeglass frames broke after a couple of months, so I was thinking about replacing both lenses and frames (they’re 5 years old already). I was thinking if it would be worth it to first get some vision insurance, or to pay out of pocket. I found VSP at just $15/mo which seems pretty reas…

Reddit Personal Finance 915 2025-01-16

Should I create a Roth IRA?

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Should I create a Roth IRA? Okay obviously silly question because we should all create one but my current situation is saving 9% to 401k (with 9% company match) and I have it increasing by 1% every year for now. I also am putting about 10% of my paycheck towards an emergency High Yield Savings. Lastly I just enrolled to put 8% of my paycheck towards my company’s Stock Prog…

Reddit Personal Finance 719 2025-01-16

How to start as a beginner with no knowledge on investing.

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How to start as a beginner with no knowledge on investing. Hi, I am 16 in High School, and hope to become well off in my future. I have no money right now, and have been looking for jobs I could work over the summer to get me started so I can eventually begin investing. I want to have enough money to retire my parents. Everyday, I see them both losing precious time of their life to provide for me and my…

Reddit Personal Finance 1.1k 2025-01-16

I want to go back to school asap (like this year) but I’m in a decent amount of debt. Is it possible? Are federal student loans a reasonable option?

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I want to go back to school asap (like this year) but I’m in a decent amount of debt. Is it possible? Are federal student loans a reasonable option? Hello! Please be kind, I’ve been through a lot this year. I am almost 30 and I am desperately wanting to go back to school, asap. I had intended to go back to school a year ago, but some life circumstances happened that made me put it off. This last year, I’ve unfortunately managed to accrue a significant amount of debt. I had a previously poorl…

Reddit Personal Finance 1.2k 2025-01-16

Capital One is doing soft credit checks on me every 3 months… I don’t like it.

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Capital One is doing soft credit checks on me every 3 months… I don’t like it. I ran my credit on AnnualCreditReport.com (the actual free one, that they are legally obligated to supply in my understanding) and on Equifax I am seeing CAPITAL ONE BANK USA NA doing a soft credit check every 3 months or so for the last year. I know that this does not negatively affect my credit score, but it still bugs me. I know this is how t…

Reddit Personal Finance 767 2025-01-16

Mortgage advice for people with disabilities

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Mortgage advice for people with disabilities Myself and my partner (both male 55 and 56)both are autistic and I have ADHD and I claim pip for chronic pain (fibromyalgia). We are planning to get married and we have 60k in savings and we planning to buy a house together. We can’t work full time due to our disability, and I was wondering if we would qualify for a mortgage? And if someone spec…

Reddit Personal Finance 1.2k 2025-01-16

Mullenweg’s Grip On WordPress Challenged In New Court Filing via @sejournal, @martinibuster

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Mullenweg’s Grip On WordPress Challenged In New Court Filing via @sejournal, @martinibuster New legal filing related to WP Engine lawsuit challenges Matt Mullenweg’s hold on WordPress with a new Governance Oversight Board The post Mullenweg’s Grip On WordPress Challenged In New Court Filing appeared first on Search Engine Journal.

Search Engine Journal 1.1k 2025-01-16

How To Write Content For Each Stage Of Your Sales Funnel via @sejournal, @krisjonescom

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How To Write Content For Each Stage Of Your Sales Funnel via @sejournal, @krisjonescom Crafting effective content for your sales funnel is key to driving conversions. This guide shows you how to tailor your content strategy for maximum impact. The post How To Write Content For Each Stage Of Your Sales Funnel appeared first on Search Engine Journal.

Search Engine Journal 644 2025-01-16

Local SEO For Service Area Businesses: Targeting Your Coverage via @sejournal, @JRiddall

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Local SEO For Service Area Businesses: Targeting Your Coverage via @sejournal, @JRiddall Boost your online presence with local SEO for service area businesses. Learn the best practices to target your coverage area and drive more local traffic. The post Local SEO For Service Area Businesses: Targeting Your Coverage appeared first on Search Engine Journal.

Search Engine Journal 1.0k 2025-01-16

I need to save 10k up in about a year or two

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I need to save 10k up in about a year or two I’m a newly turned 17-year-old (technically i turn 17 in a week), and I plan on moving out, honestly, as soon as I can for personal reasons. I have a friend from New York (I live in Texas, so our minimum wages are way different) who’s going to also save up 10k, move down here, and we’re going to rent a place together​, although I’m not excluding…

Reddit Personal Finance 549 2025-01-16

Saving for down payment

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Saving for down payment I have about $30k that I don’t know what to do with and my girlfriend and I are planning on buying a house in the next 3-5 years. Should I put it into my hysa making about 4% or my acorns investing account? submitted by /u/lukiepooo

Reddit Personal Finance 1.2k 2025-01-16

Wife on Mortgage with Parents – Can we buy a home?

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Wife on Mortgage with Parents – Can we buy a home? Hi guys! I’m in a bit of a pickle / a bit confused on this, and would really appreciate any insight. I’m recently married, and employed full-time. My wife is a student, and has no income, but is accumulating student loans. She also co-signed with her parents on her parents’ second house, about 2 years ago (before we were married). When I asked h…

Reddit Personal Finance 700 2025-01-16