Is this a good idea? Home Equity Loan I am considering taking out a home equity loan, that is initial draw 26k Credit limit 26k Per month estimate $320.85 Term 15 years APR 12.522% Origination Fee $780 Will the payments stay $320 the entire time, are there certain words or phrases I should look out for before signing. I know that interest rate is not the greated, but this would help…

C.D.C. Suggests Terms Like ‘Health Equity’ Are Off-Limits, Then Backtracks President Trump’s attacks on diversity, equity and inclusion efforts are making life difficult for some public health officials, who view eliminating racial disparities as part of their mission.

Help with HSA (health equity) Hi everyone, so I have my HSA through work and I’m maxing it out but my company uses health equity. My question is I finally hit the 1000 mark and can invest, do I invest it now through health equity or should I keep accumulating til I max my yearly contribution and transfer it into a fidelity HSA account? submitted by /u/AccomplishedPie…

Fun’s Over: Private Equity Firm To Buy Willow Springs Raceway Private equity, the harbinger of all bad things, is getting its greasy little hands on Willow Springs Raceway in Rosamond, California.

Radical Eyes for Equity: The “Science of Reading” Ushers in NAEP Reading Decline: Time for a New Story Radical Eyes for Equity: The “Science of Reading” Ushers in NAEP Reading Decline: Time for a New Story With the release of the 2024 NAEP reading results, a disturbing new story is developing: Reading Scores Fall to New Low on NAEP, Fueled by Declines for Struggling Students (Education Week) Florida reading, math scores fall to l…

5k Negative Equity on Car Loan Hello all! I’m looking for guidance to help me make the best decision regarding this situation. I carried debt from my previous car loan onto my current. I have a 2013 that is worth 4k and currently owe $9k. My interest rate is 5.79% and the best I could get on a new car loan is 5%.. I am expecting close to 9k back on my tax return, so now I’ve …

Equity Wash in 457 plan I am planning to move my 457 plan funds from a Stable Value fund to a Money Market Fund within my plan. I was told before I could do that, I would have to invest back into the market for 90 days. I basically am looking to keep the funds in something conservative and really don’t like the idea of possibly losing it again in the market for 3 month…

risk of loaning to friend secured by equity in a pending home sale They have already borrowed a bit, and seem not to take the hint that rapid consumer price increased have increased the value of that small amount quite a bit. Now they want a bit more to float them until the property sale. With a 7% return for me when they sell the place. What would it cost me to extract that loan money, once the sale is done? …

Radical Eyes for Equity: “Science” as Bad Faith Bullying Radical Eyes for Equity: “Science” as Bad Faith Bullying The more things change, the more things stay the same. Especially in America. F. Scott Fitzgerald’s The Great Gatsby, set in the 1920s, centers the story on a few rich characters—Tom and Daisy Buchanan, who have “old” money, as well as Jay Gatsby, representing the nouveau ric…

Rolling over negative equity into something much older. I recently bought a 22 Mazda 3 Hatch for about 22k. Only had around 9k miles on it. But after having it for a few months, I’m realizing that I kinda just want something significantly cheaper. Something older to get me from point A to B. Add in some Apple car play, and that’s all I need. I’m upside down around 4K. I understand that this isn’t the…

Using home equity like of credit to pay off high interest debt Hello! We are currently sitting on 25k of credit card debt. This has been a looming thing for several years. However, my salary has nearly doubled in last 3 years (from 92k-180k). While this makes tackling all out debt much easier (overall debt is roughly 300k including house, cars, student loans), I have the ability to take out a home equity l…

Father in law looking at taking out home equity line Hello all, Father in law (64?) lives in a house in Vermont that’s currently half a construction project. He said today he is looking at taking a home equity line of credit to get some dental work and fix up the house. He works manual labor around the state and has next to no savings. His house is paid off and livable but unfinished. He doesn’t h…

Equity buyout loan on paid-off house in divorce I have a fully paid-off house that is completely in my name. Proceeding with an amicable divorce, I’ll have to give my STBX husband $400k cash and we go our separate ways. I plan on doing an equity buyout loan on my paid-off house. But I’ve been a student for the past 2 years with very little income. Any advice on how I can get a 30 year loan?…

Equity Split Calculation on previously shared home Hello, Sibling A and Sibling B purchased a home about 8 years ago. Both contributed to everything equally for the first ~6 years until Sibling B was married and moved out about ~2 years ago. Both siblings put down payments and are on the mortgage, which is causing issues for Sibling B as they are trying to move on with life and would like to be…

(US-KY) Why does my Mortgage Company keep trying to offer me Equity Loans/Credit when I have less than 20% Equity? I bought my house back in 2019 through a local Mortgage Broker. They almost immediately sold my Mortgage to PennyMac. For the first few years I didn’t really get anything out of the ordinary from them. Now it seems like every day I’m getting e-mails and unsolicited phone-calls from them offering me Equity Loans and HELOC options, which I always …

Was Offered Equity to Build a Store I was recently approached by a brand offering equity in exchange for building their e-commerce store. I don’t need the money or the work, but the idea of ownership is intriguing. Their entire marketing strategy is based solely on commission-only influencer marketing. They’re confident that the product is strong enough to generate enough sales t…

Home equity loan buyout advice I might be getting a divorce soon because of my husband’s drug addiction. It is not 100% gonna happen, but I want to start preparing mentally and financially in case it does. I’m still giving him a chance to quit on his own, but if it doesn’t happen, I have to move on. Our house is completely under my name and is paid off. If the divorce happens…

Car loan at a negative equity Hi! Asking for a friend, they currently have a $13k value car with $29k auto loan. It was purchased in 2022 for a $35k price, they pay $1000 per month and it has only gone down to $29k after 2 years. They said they had really bad credit (600s) when they purchased the car and they also traded in an old car for a new one. Now, their credit had inc…

Private Equity Ruined Our Health, And No One’s Talking About It submitted by /u/yuritopiaposadism

Is this dumb? Home equity/new home question My husband and I have about 200k in equity in our home (after approx closing costs when we sell are factored in) and we really want to move to (hopefully) our forever home. We are looking at new construction in California. My question is, instead of putting all 200k into the purchase of a new home, does it make any sense to put about $100k into…