Ramifications of taking job that doesn’t pay into social security I’m in US. I’m interviewing for a city government job. It doesn’t pay into social security. Instead, you pay into the city’s pension fund. I believe it takes 10 years to be vested in the plan. I’m not sure if I want to commit to ten years. Should I pass on the job or is there something I can do to prepare if I don’t stay the time needed to be v…

Invest or Pay off Mortgage I’m just starting a new job making significantly more than my previous employer. I’m 27 and just got married last year. No kids. Previous employer 70k before taxes. New employer making 115k Also have a side gig that’s part time making 28k Wife makes $67k Total annual Gross income is about $210k. About $150k- 160k after taxes. Mortgage is $2400…

Do you pay an extra charge if you tap a debit Visa card, use Apple Pay, use Google Pay, or use Samsung Pay on card machines of New Zealand? Do you pay an extra charge if you tap a debit Visa card, use Apple Pay, use Google Pay, or use Samsung Pay on card machines of New Zealand? submitted by /u/garyjones024

Uber Could Pay You To Stop Driving Happy Thursday! It’s June 27, 2024, and this is The Morning Shift, your daily roundup of the top automotive headlines from around the world, in one place. Here are the important stories you need to know. Read more…

Should We Pay Off Car Loan? I’ve been thinking of paying off entire car loan and can’t really see why not. My wife and I owe about $30K on a car loan at 6.69% over 2.5 years. We have no other debt worth paying off and sitting on $70k of cash in a hysa planned to use for down payment on a house we plan to buy in ~4 years. The house down payment goal was only $100k and we ha…

Americans, Yes you Have to Pay Duties The sheer volume of Americans, (and others, though in MUCH smaller numbers) who complain about duties on international purchases is mind boggling. Read the terms, come to terms, and grow up. submitted by /u/SpareWaffle

I pay way under market rent but I want to move I have an amazing landlord and moved into my house in 2015. We have a 4 bedroom single family house with backyard and pool and originally rented for $2750/month, which was around market rate at that time for my area (los Angeles suburbs). It’s now 9 years later and my landlord has increased the rent one single time to $2850/month. In my area thi…

Should I pay off debt with savings? I currently have roughly $16,000 in credit card debt. I have about $22,000 saved up in my checking account. Is it the best idea to pay off everything and only be left with $6,000 saved? My housing expenses are roughly $1,700 with utilities included. I have $1,100-$1,200 in other monthly expenses; totaling out to roughly $2,850 total monthly exp…

Do I pay off my accom or pay off my credit card? Touch situation and honestly struggling alone Hey, sort of seeking advice here. I’m in a crazy predicament. So basically stuff happened with university and I’ve basically not been given any student loans, but I’ve booked an accom for the whole year and have to pay it off. I figured this all out and had to find a job which I did in November. So l’ve been working and office job, working a par…

Pay off student loans or down payment on house? Hello! I’m in the process of selling my home and will make $120K on it. I need about $15k to pay off some dumb stuff (credit cards and a bad loan). but the rest could either go to student loans or the new house. Student loans are $50K with Sallie Mae at 13% Houses we’re looking at are 450-480k. We are approved for 425K. the mortgage would go u…

Should I “rip off the bandaid” and pay off remaining student loans? I am 26. I have been aggressively trying to pay off my student loans over the past two years. I started at about 65k in student loans with various rates. The two remaining loans add up to $6200 at 3.5%. I was curious if it was unwise to get rid of these today. My hesitation is due to my company doing layoffs 2 months ago, and my field is not rea…

How much to pay for vision boards My husband and I are hiring a friend to do vision boards for us as we renovate our home (she has 2 years of interior design experience, but has never done private consultations like this). What would be a fair offer for just creating vision boards for us? She is doing the kitchen and dining area, only. I want to be fair to her skill and professi…

TFP for stock photography – how can I pay fairly? Hi, I’m a photographer in the process of setting up a business and I want to build a stock photography portfolio as a form of (semi) passive income. I recently did some TFP shoots and sent the models their edited images as agreed. There’s loads of photos that would make great stock images and I’d like to discuss using them with my models. How wo…

Selling house to pay for care My friend and her sister are selling their Dad’s home. He is now in Assisted Living and the sale will continue to fund his care there. Her Dad owns it outright and it’s listed for almost $1,000,000. She just informed me 30% of the profits will go straight to the IRS due to Capital Gains. Yikes! It’s too late for my friends as it’s already listed…

Need a car parents offering to help pay for pay for part of it. Should I get a newer car and pay monthly payments or buy an older car outright Title. For information, I’m a 22M with about 20k in student loans. I have a minimum wage job as of now so buying a newer car and making monthly payments on it for the next 6 years doesn’t really make much sense to me. I am graduating next semester and will be entering the workforce, so I plan to get a higher paying job soon. My parents are going…

Pay off credit card? Hey guys. I am 25 and I have about 6k in credit card balance. I have about $1500 in my savings and about $9200 in my Roth 401k. Should I take out of my 401k and pay off my credit card? submitted by /u/Aggressive_Pen_8286

Save for house or pay student loans? My student loans are 70K and a weighted average of ~4.5%, but the payments are rough (around 1K per month). my partner is coming into a lump sum large enough to pay off the loans. our HYSA returns 4.2 before tax, so we feel it’s sort of a toss up on what makes more sense. If we did pay them, it would free up more monthly income to start aggress…

Pay off full amounts or continue to pay Monthly? Hey y’all, Currently in a situation where some outside advice would be nice. I currently have roughly 4k in my Savings/Emergency. $1,200 left on my 11% CC – Monthly Min $40/Paying $40 every Friday, $2,600 on a Personal Loan used to purchase a Car at 8.5% – Monthly $136/Paying $136 every two weeks $3,000 Dental Bill, 24 month Payment Plan @ $…

Pay off debt or save for car? We have about 6k saved towards a car. We have about 3500 in small debts ie credit card, personal loan. Should I take 1k from my check today and 2500 from our car savings and knock off that debt? My thought process is that without the debt we can save more/quicker towards the car. Goal for vehicle is 10-12k by the end of August. submitted by…

Is it smart to pay for twitter followers? I post on twitter but nobody notice that, since Im new and dont have any followers? So what is best way to boost my profile? submitted by /u/Smart_Value_2671