ARM vs fixed vs buy down?

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ARM vs fixed vs buy down? I know these questions get asked a lot, but I feel like the more I read others’ responses the more confused I get as I read pros and cons to each option. I figured I would share information about my personal situation to see if there is something I’m missing or any advice out there.. – About to close on our dream house in the next two months. Ou…

Reddit Personal Finance 684 2025-02-14

Auto loan help, advice for first time buyer

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Auto loan help, advice for first time buyer So im not really too sure how the auto loan world works. I usually buy beaters for $3-$5k but my current beater is giving me issues and I just wanna stop having to deal with this. My credit between the 3 bureaus is 626-684-700 with Experian being the 626. I have my main bank which is navy federal and also USAA accounts but my navy federal is whe…

Reddit Personal Finance 602 2025-02-14

Can I maximize my foundation repair bill?

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Can I maximize my foundation repair bill? Short of it is: I spent approx $21,000 to put 7 posts under my house to keep it from sinking on one side. Pretty important, but boring stuff. Can I use this massive expense in a tax-advantageous way to lessen at least some of the expense of homeownership? Thank you in advance for your knowledge. submitted by /u/jmmerphy

Reddit Personal Finance 656 2025-02-14

Pay off half or all of vehicle?

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Pay off half or all of vehicle? So we are expecting to sell our house and have a sizable amount of equity coming our way ($70,000). With that being said, we were planning on completely paying off our last remaining vehicle with the proceeds. My question is, should we pay off the total amount of $43,717 or pay it half off, refinance it, and put that money in the market? Or is t…

Reddit Personal Finance 853 2025-02-14