Retirement planning advice with Pension I work for Union Pacific so I don’t pay into Social Security. Instead I pay into Railroad Retirement https://www.rrb.gov It pretty much pays 3x SS and my Spouse Get 49% of what I earn. My company offers a 401k but 0 match. They also offer a Roth IRA with 0 match and a post 1986 IRA 0 match. We do have an employee stock purchase program where th…

Can u give me some advice? iam a high school graduate and currently preparing for the university entrance exams. Over the past few years, i’ve developed a strong interest in photography and photoshop. However, i’m not sure what path i should take in this field or which topics i should focus on to gain more knowledge. What i do know is that i really want to pursue this and…

Took some advice and got a larger rug for my cozy apartment submitted by /u/seamooon

4 days in California. First time traveler. Need Advice! I plan on taking a trip to California. I need advice on what to do in each of these cities and or suggestions on changing my trip itinerary. My flight arrives late Thursday night in San Diego airport. Here is my plan: Friday- Spend the day in San Diego. (Kayaking in La Jolla, not sure what else) Saturday-Taking a train to LA in the morning and …

First time home buying advice. Hello, I had this plan in mind and I wanted to run it through some others that might know more then me. It sounds like a solid plant to me. I(21m) make around 50-60k a year depending on over time. I have about 20k in savings right now. I am renting right now and my lease ends in November of next year. My vehicle and everything else is paid off….

First camera advice for beginner? Hey everyone, I’m seeking advice on my first camera and lens. Some info: Budget: I’m looking for a camera/lens within a budget of $5-700. I’m willing to spend more in the future if necessary. However, I don’t want to exceed $700 for the next couple of years. Goals: I’ll be traveling a decent amount over the next couple years, so I’d like a came…

I am desperate for advice; how to best use the help I’ve been offered I am desperate for advice; I want to know what the best option would be. I know that this is a bit of a read, but I am needing help with my decision paralysis, and lack of knowledge. TLDR: Is it better/wiser to have a bigger down payment, or less student loans when applying for a mortgage? I am in a very fortunate position where my dad offered…

Advice on how to get rid of credit card debt Long story short I got myself into a good amount of credit card debt, I have a good paying job and never really worried about how I would pay it off, now im starting to wonder if i did not understand how theAPR works. I am sitting at 14.5k credit card debt. I am mainly wondering if there is a way out in such a way of taking a loan or something o…

I need some buying advice! I’m thinking about bidding 550 USD on this. Do you think it’s worth it? I put specs in the comments. submitted by /u/Aroonroon

Personal Budgeting Advice I’m a 23 year old man working my first job after finishing my masters in electrical engineering this May. I make about $125,000 before taxes and benefit deductions and live in Albuquerque, NM. I pay $1500/month for rent and $300 for utilities + mandatory apartment complex amenities and upkeep fees. I also have a car loan as I got a car in August…

Struggling with Black Friday Conversions – Need Advice As the title says, our Black Friday page isn’t performing as well as we hoped. We spent a lot of time preparing everything, and while we’re getting traffic from ads, there haven’t been any conversions yet. Here’s what we’ve done so far: The page is optimized for speed and mobile. We have clear CTAs, discounts highlighted, and a festive design. …

I Took Your Brow Advice I only used my tinted gel in my eyebrows today. Primer: hero. Green cream color corrector Foundation: maybelline bb cream 120 • ⁠Setting Powder: Kimchi Chic Beauty Puff Puff Pass Eyeshadow: none • Blush: e.l.f. Multi-Stick Glimmering Guava Eyebrows: e.l.f. Brow Wow in Taupe Lashes from Impress Lipstick: Mac half red, buxom gloss Bae submitt…

Looking for advice on $86k debt payoff Recent college grad beginning the process of debt payoff. Student loans are finally starting to hit after graduation and I have to face the hole I’ve dug myself into Private loans – $25,000 13.25%, $500/month Private loans – $21,290 6%, $270/month Gov’t loans – $22,560 0% (forbearance) Credit cards – $16,000 @ 12% , $600/month Car loan – $1,200 …

I need advice asap and have no idea what I should do I have about 45k debt in credit cards alone. I am getting around 16k in the next few months and I am wondering if I should dump It all on the cards ?I know it is only a 3rd of what I owe but not sure if i should keep some for savings? One credit card was for hvac system which cost me around 17k this last year and it is 0 percent interest for th…

I’m trying to practice blending eyeshadow. I used dark colors here just to see them better. Can I get some critique/helpful advice? submitted by /u/DakotaMink

Beginner Photographer- Any Advice? Hi everyone! I recently got into photography (yesterday to be exact), and I’m definitely hooked. I’m using my mom’s old Nikon D3400, and I just wanted to ask if anybody with more experience could give some advice on the photos I’ve taken so far. I would like to eventually get into pet photography, but I need to improve first. Thank you! https:/…

Feeling a little bitter and optimistic simultaneously and would appreciate advice submitted by /u/t8nlink

Mediterranean cruise advice What is the best affordable cruises that hit the most countries in the Mediterranean? submitted by /u/HuskerHooligan1

As an 18 year old living in the UK, what financial advice would you give me? As in caption I’m an 18 M and I’m curious about what I can do to gain an advantage for my future in regards to my personal financial management. I balance a part time job along with a levels and I currently have around £10k saved up. I was wondering how I could make the most of my money and also for things like building my credit score and Roth …

Machu Picchu Inca Jungle Trek & Circuit 3 – Thoughts/ Advice? I am doing the inca jungle trek (4 days 3 nights) around Christmas time and literally only booked the tour today. Unfortunately, because it’s so last minute, the only available circuit that allows access to MP is 3b. (Half bottom citadel without classic view). I am a bit gutted that Circuit 1 and 2 was sold out as I was really looking forward t…