Key Questions to Ask a Credit Union When Applying for a Vehicle Loan What are the important things to confirm with a credit union when applying for a loan for a new vehicle? One thing I want to confirm is whether I’ll have to pay the full APR if I pay off the loan early. I’m wondering what other important questions I should ask. If you have experience with such applications, please share what other things I shoul…

Estimating Northwestern Mutual Whole Life Loss I’ve finally convinced my partner to get of out a NW Mutual Whole Life policy – they have an annuity, a brokerage account, and an IRA. Clearly the IRA will be easy to move. I’m curious how others have estimated the loss/cut it takes to get out of NW and move to just a normal brokerage where we can self-manage everything. Thanks folks (and please…

My Father Is Aging & Unsure How To Handle The Family Ranch My father is aging and cannot physically run his ranch anymore. I am not able to uproot my life and run said ranch, there is nobody in our family that can. The ranch has always been sort of a money pit and it cannot pay for someone to run it either without major changes. We hate the idea of selling because of the impact on my father’s legacy, ho…

Transitioning Taxable Investment to Retirement Accounts I have around $200k in a taxable mutual fund. I’m thinking of starting to sell off some of the mutual fund every year so I can afford to max out a Roth 457b ($23,500) and a Roth IRA for both my wife and myself ($14,000). My salary is $89k and after HSA and 403b contributions, my taxable income should be about $60k. My wife stays home with our ki…

Should we recast or hold onto our money? Hi everyone! Heres my situation Bought a home in Chicago for 380 at around 7%, but because Chicago taxes are a bitch, my monthly payments are HIGH, 3200! My husband and I made good money and we also have a renter paying 900 a month. That said, we work in tech and have some anxiety about the stability of our high paying positions. We would also …

31 years old and have my 401K with fidelity. 55% large cap, 25% small mid, 20% International. Should I keep my portfolio as is or change it? 31 years old and have my 401K with fidelity. 55% large cap, 25% small mid, 20% International. Should I keep my portfolio as is or change it? submitted by /u/Silent_Programmer_81

Backdoor Roth mess-already put on money last year Hi, Can someone guide me with this? I maxed out my Roth IRA last year, realized now that we (spouse and I) are not eligible due to our AGI. What can I do now to fix this? Thanks submitted by /u/gondhal

Stolen ID & debit card, suspect cashed a check at our local bank Hello everyone, Want to get your opinion/advice. 10 days ago my wife’s car was vandalized. Busted window, wallet stolen (had her DL, debit card and one CC). It was a string of break ins that day and unfortunately we were parked in an unlucky spot. Cops were already on site. We immediately lock the CC and call our bank to lock the debit card. Fas…

Is it better to keep a small amount of savings for emergencies or pay off the credit card 2 months early? I have about $1000 in savings. I have 5185 in credit card debit with a 17.4 rate. I am on a repayment plan that pays 677 towards my credit card monthly with 1 additional payment of 260 (per paycheck, 1 month has 3 paychecks). Im trending to pay off the card in 8 months. We are putting $100 in savings per month and plan to convert the 677 debt r…

Insecure about retirement/second marriage I’m 51F, second marriage, in a pickle with future retirement. We’ve been married for 5 years. Me: 51, 80k in traditional IRA, will receive $1500 p/m pension starting summer 2026. Second Husband: 53, 102k in 401k, no other retirement. We have a house worth 900k, mortgage is 530k. Bought the house 3 years ago/3.2% and have done significant remodel…

Stick with current job, or go be an Accounting Manager for 600/month extra after health insurance increase? (23/TX) I’m 23 (turning 24 soon), engaged, and my fiancée is a stay-at-home mom with our baby boy. We’re saving for a house, and I’m working on my CPA goals. Right now, I’m a financial analyst at a hospital making $75K. It’s just me and my boss handling accounting for the location, so it’s a small setup. The role is new, and my training has been kind of…

Google Phrase Match: Everything You Need To Know via @sejournal, @siliconvallaeys Google’s ad targeting systems prioritize intent-based matching. Learn how phrase match keywords can now capture broader, intent-aligned search terms for more effective ad campaigns. The post Google Phrase Match: Everything You Need To Know appeared first on Search Engine Journal.

Business started in July (UK Tax) Do I need to register for self assessment before 31st of Jan? Business has only made £2300. Sorry if its a stupid Q I’m a newbie. submitted by /u/AdhesivenessEven7287

how did you afford to go to school while also paying bills? I’m 20(M) currently going back to school for finance and seeing if it’s the best decision. I currently have about $10k CC debt and working around 36 hours a week but if I go back to school, I’ll be working way less. If I work less I won’t be able to afford my bills such as rent, car, etc. Should I take out a personal loan to pay off that debt or…

Reuters Institute: Publishers Pivot To Video Amid Search Disruption via @sejournal, @MattGSouthern Reuters Institute study finds AI and Google Discover are reshaping publishing. Publishers are pivoting to video platforms amid traffic changes. The post Reuters Institute: Publishers Pivot To Video Amid Search Disruption appeared first on Search Engine Journal.

39% Of Skills May Be Obsolete By 2030, WEF Jobs Report Warns via @sejournal, @MattGSouthern World Economic Forum (WEF) report reveals the most in demand jobs and skills as industry roles rapidly evolve. The post 39% Of Skills May Be Obsolete By 2030, WEF Jobs Report Warns appeared first on Search Engine Journal.

Deciding on if living alone is a good decision financially Hi all, I’ve been debating if living alone is financially responsible decision in my case. For context, I work in tech sales, so although I do get a base pay, my monthly income also does fluctuate and is different every month based on commission from sales I make at my job. My base pay is $74k, and after maxing out my 401k every month my take h…

Looking to save for the future with my girlfriend: best methods? Pretty much going as the caption says. I was talking to my girlfriend (we’re both 22 almost 23) and I was looking to save for our future. I suggested opening either a HYSA or CD and we each contribute anywhere from $250 – $500 a month in it. Any suggestions or recommendations in which one to open? Might be a dumb question but if so any recommen…

new job doesn’t offer 401k, what should I do? i’m a bartender and my last job offered 401k, i have around 4k saved up. i also have credit card debt that withdrawing my money would erase. what should i do? submitted by /u/potatopancake1234

I undershot my first salaried job and now I’m super disappointed. I cannot stop thinking about how I messed this one up. I have been in the job hunt for 2 years and have been experiencing a lot of rejection. Some back story: I have worked at a restaurant for over 7 years with no real desire of going into a salary position because the demands didn’t fit my lifestyle. I was asked about moving up to management ma…