The UK’s war on encryption affects all of us

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The UK’s war on encryption affects all of us Update February 21st: Apple has removed its Advanced Data Protection feature in the UK, calling itself “gravely disappointed” with the move. Originally published February 13th. The encryption wars have reached a fever pitch, and the most contentious battle is not happening in the United States, where much of the action has been in the past

The Verge 421 2025-02-22

Google Responsive Search Ads Just Got More Flexible via @sejournal, @brookeosmundson

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Google Responsive Search Ads Just Got More Flexible via @sejournal, @brookeosmundson Google Ads just updated Responsive Search Ads to improve asset pairing and messaging consistency. Here’s what’s changing and how it could impact your PPC performance. The post Google Responsive Search Ads Just Got More Flexible appeared first on Search Engine Journal.

Search Engine Journal 730 2025-02-22

20% down payment or more on a house?

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20% down payment or more on a house? My husband and I make a combined $210k. After taxes, health insurance, and retirement we take home around $8k/mo (sometimes more with OT and holiday pay) It seems like the housing market in our city just keeps going up, even with higher interest rates. We’re currently in a 2 bed, 1 bath house 580 sq ft. We will desperately need to upsize into a …

Reddit Personal Finance 645 2025-02-22

Mortgage vs HELOC Amortization

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Mortgage vs HELOC Amortization I have a question about loan amortization. I’m getting a loan for some home remodeling. I have seen bad things happen with HELOC loans. But, those people also had bad financial discipline. My bank is offering two loans: home equity loan at 7.5%, 30 yr loan due in 20. The other is a HELOC at 4% for 6 months then prime -0.5%. Interest only for 10 …

Reddit Personal Finance 1.3k 2025-02-22

Which debt do I pay down first?

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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…

Reddit Personal Finance 851 2025-02-22

Need to withdraw from 401k

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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…

Reddit Personal Finance 482 2025-02-22

Contributing bonus to 401k & taking loan

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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…

Reddit Personal Finance 639 2025-02-22

IRA to 401k question?

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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

Reddit Personal Finance 621 2025-02-22

Continue Renting or Purchase a House?

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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…

Reddit Personal Finance 1.3k 2025-02-22