Is a personal loan a good tool for consolidating debt or am I just digging myself into a deeper hole? Difficult life circumstances have led me to accumulate approximately 11k in credit card debtz This credit card wil start accruing interest this November. I have been making $300/month payments, but I’m worried that now that interest will start to kick in, the balance will remain basically the same and I will never pay this card back. On top of t…

Consolidating Multiple Solo 401k Plans into One My spouse and I have separate solo 401k plans (let’s call them Plan A and Plan B), which we opened a few years ago when we undertook self-employed activities. This year, we opened an LLC as QJV and are looking to consolidate those solo 401k plans into one (let’s call it Plan C). Furthermore, after some research, it seems that in community proper…

Am I making a mistake consolidating everything to Schwab? I am a big fan of having less platforms to deal with. I am considering consolidating everything to schwab, am I making a mistake? Here is what I have: Checking: Small local brank, no benefits. Very few locations Discover HYA: 4.3% or so apy Vanguard Taxable Brokerage: I follow the 3 fund boglehead philosophy, Total US/Total INT/Total Bonds Merr…

My wife was doing some searching around about consolidating some of our bills and debt. We got a call from National Debt Relief and told us they would consolidate two of our credit cards and our personal loan for a monthly payment that would be saving us quite a bit of money with 0 interest. My question is, How legit is this? If it is legit, is it something that is worth considering? Are there any debt consolidation companies or pr…