Personalfinance reddit

A discussion subreddit for popular budgeting software You Need A Budget. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Related to personal finance, budgeting, money and financial matters.

Get paid for going grocery shopping, sitting around the house, changing your socks, telecommuting, changing your socks, you know the normal. Humans don't really need shoes. I hope these have been educational! Please share your best tips in the comments! 31. u/FrancescoPioValya. I took Personal Finance as a course in junior college. It was very informative and very helpful. We covered everything from budgeting to different types of investments to filing taxes. I took a free Coursera course on personal and family financial planning a few years ago, and I think it was useful.r/personalfinance Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!I would say it all depends on your driving history and your finances. You said you have at least $1000 saved, so you can afford to pay the deductible either way. As far as driving history goes, if you average one claim a year in which you have to pay the deductible, you should get the $500 deductible. I can't speak for you, but as a … A /r/malaysia branch. Checkout our wiki for personal finance basics for beginners! "Get your financial house in order. Learn how to better manage your money and debt in both the short and long term. Find out how to save an emergency fund and invest for your future." -/r/personalfinance discord: 3AJK5fKhgv r/personalfinance Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!If you're still stuck, make a post to /r/personalfinance. Include the full list of funds offered in your plan including the fund names, ticker symbols, and (net) expense ratios in your plan. Also include your proposed allocation, information about any other investment accounts, your age, and your gross income.

A little bigger Emergency fund, pay off the debt, bigger emergency fund, then invest. If you have typical student loan rates then definitely pay those off first. Your payments represent a known, relatively large return on investment. Doing a roth (after your loan is paid) is most likely inferior to saving into a traditional IRA or 401k unless ...Go to personalfinance r/personalfinance. r/personalfinance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, …May 27, 2013 ... Can I just say that this is my favorite "What do you wish you had done?" thread I've ever seen on Reddit. Just a great mix of financial, health, ...The problem with Whole Life is it is typically not a better investment than many other things, like index funds, which are also infinitely easier to manage and obtain. Whole life is also typically not cheaper life insurance than Term life. That said, it’s not straight up awful. It’s just typically not better.InvestorPlace - Stock Market News, Stock Advice & Trading Tips If you think Reddit is only a social media network, you’ve missed one of... InvestorPlace - Stock Market N...An IRA has far lower expenses, on average, than a 401k. 1% adds up over time with compounding. A Roth IRA allows the holder to withdraw contributions for any reason, at any time, with zero penalty. A Roth 401k does not. Though you desire a target date fund now, that may not be the case in the future.14 hours ago ... r/buildapc: Planning on building a computer but need some advice? This is the place to ask! /r/buildapc is a community-driven subreddit ... Non-US versions. Step 0: Budget and reduce expenses, set realistic goals. Step 1: Build an emergency fund. Step 2: Employer-sponsored matching funds. Step 3: Pay down high interest debts. Step 4: Contribute to an IRA. Step 5: Save more for retirement. Step 6: Save for other goals.

Welcome! Before making a post, please check out some of the great resources that we've provided to answer your questions: We have a simple guide answering most questions about what to do with money and how to prioritize your finances: Click here: How to handle $. We have a wiki covering dozens of topics: credit, debt, retirement, investing, and …Quicken Simplifi — $2 Per Month (50% Off 1-Year Plan) Xero — Get 75% Off Your Plan for 3-Months. Oracle NetSuite — #1 Cloud Accounting Software. Intuit QuickBooks Online — Save 50% Off ...Inflation Protection - I-Bonds are guaranteed to grow with the general inflation rate, as measured by the CPI. 5). Deflation Protection - I-Bonds will never lose value month over month, even when the CPI is negative (deflation). That means in those cases, your money is guaranteed to increase in value in real terms. 6).For now, I’d put it in the one time income but multiply it by .78 (1-0.22) so at least your net income is correct. So I’d calculate my fed + state taxes first so if I owed $5 fed $2 state I’d write $7 then input my bonus into the state taxes field change the % …

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A /r/malaysia branch. Checkout our wiki for personal finance basics for beginners! "Get your financial house in order. Learn how to better manage your money and debt in both the short and long term. Find out how to save an emergency fund and invest for your future." -/r/personalfinance discord: 3AJK5fKhgv Brokers buy/sell things for you and charge you fees for doing it. Everything can be done electronically nowadays, so the fees are lower. Track personal expenses so that you are not spending more than 80% of your take home income every month. Save the rest. You will want to try to save at least a 6 month emergency fund, and invest/save the rest ... This subreddit is a place to discuss anything related to Canadian personal finance. The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, major purchase advice, unique deals and tips for frugality, employment financials (not career or job hunting) and other income sources, and a variety of similar topics. This subreddit is a place to discuss anything related to Canadian personal finance. The topic of "personal finance" includes budgeting, goal planning, taxation, saving, investing, banking, credit cards, insurance products, major purchase advice, unique deals and tips for frugality, employment financials (not career or job hunting) and other income sources, …

r/personalfinance Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, and get on top of your finances!Looks like your advisor is charging you ~1.3% annually. If average inflation adjusted s&p500 returns are 7%, you are paying the financial advisor about 19% (1.3/7) of your total returns. Not good bro. And that doesn’t even include the fact that you are under performing the market.As weird as it sounds, I’d suggest doing your taxes twice: once with the tax software and once on your own using the IRS’s Free Fillable Forms (or get paper copies and fill them out by hand). By doing them on your own you get the learning you’re looking for, with the added backup of the tax software results to check against.I am also maxing out my HSA and trying to save for a house so I'm not able to increase my 401K contribution. Here is where it stands: My contributions = $27,779. Employer match …Welcome! Before making a post, please check out some of the great resources that we've provided to answer your questions: We have a simple guide answering most questions about what to do with money and how to prioritize your finances: Click here: How to handle $. We have a wiki covering dozens of topics: credit, debt, retirement, investing, and …A discussion subreddit for popular budgeting software You Need A Budget. Feel free to post any news, questions, budget strategies, tips & tricks and advice related to YNAB. Related …My favorite research tool and the app I use the most. Great iOS app as well, with notifications so everything is synched and easy to manage. FREE. Long term portfolio tracking: Wealthica. Really nice portfolio visualization and tracking tool. It allows me to link my various accounts (Questrade, etc.) and imports all transactions.Whole Life Insurance - A Perspective. Insurance. I've felt compelled lately to write something about a topic here on Reddit that I often see get over simplified on the Personal Finance sub. There's always a lot of posts on this topic, and the comments are often unhelpful or misguided. The topic is of course everyone's favorite …

For instance, r/PersonalFinance, and r/Budgeting are examples of subreddits. Upvote/downvote: Readers have the chance to rank certain content with an upvote or a downvote. Karma: To help content creators, Reddit has devised a point system or “Karma” to help get more of the popular content out there. The points are given based …

The lowest fee in Superlife and Smartshare is US S&P 500 index fund. It cost 0.35% with Smartshare and $12/year + 0.4% with Superlife. If you wish to invest in the local market, Superlife NZ top 50 index fund cost $12/year + 0.45% of your holding and it cost 0.5% of your hold p.a form Smartshare.Make it simple. Pick either a Target Date fund for the year you anticipate retiring in, or VASGX (their growth fund) 1 Index Fund (or ETF) for the entire U.S stock market OR S&P 500 equivalent. 1 Total International Index Fund/ETF. I allocate 60% of my purchases to the first one. Read about the three fund portfolio https://www.bogleheads.org ...11. r/MiddleClassFinance. Subscribers: 20.6k. Topics: MiddleClassFinance. One of the newer Reddit personal finance communities is r/MiddleClassFinance, which is starting to grow quickly. …The hacking shut down the nation’s biggest health care payment system, causing financial chaos that affected a broad spectrum ranging from large hospitals to …Reddit, often referred to as the “front page of the internet,” is a powerful platform that can provide marketers with a wealth of opportunities to connect with their target audienc... Reducing the fees on your investment portfolio is also giving yourself a raise. "You may make minimum wage or you may make a million, but a pizza still costs five bucks." It's a lesson in not falling into the standard of living creep trap as your income rises. A $5 pizza does not taste as good as a $20 pizza. One rule of thumb is that the total value of your vehicle (s) should never exceed 50% of your annual income. Another good rule of thumb is the 20/4/10 rule: Pay at least 20% for your down payment. Never get a loan longer than 4 years in length. 10% or less of your gross income goes towards all vehicle expenses including loan payments, insurance ...The average credit card late fee has ballooned to $32 in 2022 from $23 at the end of 2010, the CFPB said. With the cap going into effect, the agency estimates …So let's do 4% versus 5% on $300,000 at 30 years amortized. 4% gives a monthly payment of $1,432 with $215,609 in interest paid. 5% gives a monthly payment of $1,610 with $279,767 in interest paid. 1% interest rate difference equates to $178 more in monthly payments and $64,000 extra cash over the life of the loan.

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Reddit Personal Finance, commonly referred to as r/personalfinance, is a subreddit dedicated to all things related to money management, budgeting, investing, and achieving your financial goals ...An IRA has far lower expenses, on average, than a 401k. 1% adds up over time with compounding. A Roth IRA allows the holder to withdraw contributions for any reason, at any time, with zero penalty. A Roth 401k does not. Though you desire a target date fund now, that may not be the case in the future.The hacking shut down the nation’s biggest health care payment system, causing financial chaos that affected a broad spectrum ranging from large hospitals to …The subreddit r/UKPersonalFinance is a place for people to share their personal finance experiences with others. The subreddit was created by two UK-based users in 2013 and originally had about 200 subscribers. It now has more than 500,000 subscribers and is one of the most popular finance-related subreddits on Reddit.Nov 17, 2021 ... Save for a house. Depending on where you're living, it's an excellent investment. It's good if inflation hits, your money will grow (just like ...Undervalued Reddit stocks continue to attract attention as we head into the new year. Here are seven for your perusal. Tough economic climates are a great time for value investors ...I have been with Vanguard for 30 years and have been really happy with both of their ETF funds and their regular index mutual funds. Open a regular brokerage account with vanguard. Invest your $500 in VTI or VT. Once you have $1000 and at least 1000 of earned income, open a Roth IRA and put the $1000 into the Roth, again … If you are looking to consolidate banking with investments, Fidelity is another choice. You can open a Fidelity CMA account and instead of using high yield savings you can buy their money market fund. If you buy SPRXX you can earn 4.54%. Fidelity also has a good 2% Visa card if you're interested in further consolidation. ….

20 votes, 29 comments. true. I like Alliant Credit Union and Ally Bank because both offer the usual benefits of high yield savings and free checking, but what sets them apart from others is both have high mobile check deposit limits ($100K/day with Alliant and $50K/day with Ally), high ACH transfer limits and fast 1 business day ACH transfer times.The subreddit r/UKPersonalFinance is a place for people to share their personal finance experiences with others. The subreddit was created by two UK-based users in 2013 and originally had about 200 subscribers. It now has more than 500,000 subscribers and is one of the most popular finance-related subreddits on Reddit. My favorite research tool and the app I use the most. Great iOS app as well, with notifications so everything is synched and easy to manage. FREE. Long term portfolio tracking: Wealthica. Really nice portfolio visualization and tracking tool. It allows me to link my various accounts (Questrade, etc.) and imports all transactions. r/personalfinance. • 2 yr. ago. Tactical_Boom3. Personal loans- are they worth it? Debt. Are personal loans worth it in the long run? My girlfriend and I are moving apartments and are …11. r/MiddleClassFinance. Subscribers: 20.6k. Topics: MiddleClassFinance. One of the newer Reddit personal finance communities is r/MiddleClassFinance, which is starting to grow quickly. …2. robbo12347. • 3 mo. ago. The Simple path to wealth by Jl Collins. A great book recommended index fund investing. CorpFN2187. • 3 mo. ago. I think an easy approach is to read 4 or 5 of the most mainstream books and pick and choose what resonates with you.Discover is my recommended HYSA. They consistently have a high APY. They're among the first banks to raise the APY, when they can, and one of the last to lower the APY, when they must. There are other banks that may have similar or even slightly higher APYs, right now, but over the long-term, Discover is always among the top HYSAs while many ...Resurrecting an older post, but I borrowed $63K from SoFi, took right at a week from start to being funded. According to Credit Karma, my credit scores were around 630, but the disclosure from SoFi had me in the low 700's. Using the funds to consolidate CC debt, will save over $12K in interest alone. r/personalfinance. true. Personalfinance reddit, [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1], [text-1-1]