I'm in an extremely fortunate position where my Mom, upon learning about current mortgage rates and why I haven't bought a house yet, wants to essentially be my bank to buy a house. As in, she wants to fund the house, put it in my name, and I pay her a reasonable down payment and pay a "mortgage" to her at 2-3%. So what would be...
There's a lot of talk about inflation and its causes. Is it corporate greed? Supply chain issues? One clear base cause of inflation less talked about is having an inflationary currency supply. Any other inflation caused by supply chain issues, corporate greed, lack of market competition, etc is just added on top of that. Fiat...
can someone explain leverage to me as practised by those RE bullshitters finfluencers. I feel their whole spiel is just bullshit but I don't know enough to be sure about it....
The US government is telling everybody that inflation is 3.4% per year. That is not correct. Try 14.2% and that's about right. Source : gold/usd 1 year simple moving average.
I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi....
I'm looking for the top European bank that doesn't block your funds without reason. For instance, many individuals have reported online that Revolut has blocked their accounts suddenly and sometimes for various months.
Hello,...
How would you go about selecting a Certified Financial Planner?...
Hi. With the new tax year fast approaching, I’ve been contemplating transferring my current stocks and shares ISA account with IBKR UK to another provider/brokerage. I am interested in InvestEngine since they seem to have lower fees. However, I’m wondering how this process will work, especially since I have shares in stocks...
I always see advice about which software to use and there’s always the advice that FreeTaxUSA is the best bang for your buck and does everything you need for when your taxes are “simple.” I’ve used and thought it was great for years. But as my career has grown and no longer filed as a single I’ve begun to question when...
As the title says, should I be concerned? I get the impression this is just a bureaucratic change (company doesn’t want to deal with both salaried and hourly workers for timesheet reporting). But I’d like to make sure.
Goal: the least amount of withholdings possible
Need help please. If I am enrolled in 2024 for 10 months of the year (March-December) in an HSA-elligible HDHP will I be able to max out my HSA to the individual contribution limit of $4,150 or will I get hit with a big tax penalty? Do I have to “pro-rate” my contributions and subtract the first two months since I was not...
Sorry for long title:...
I’ve had a few people in my life tell me that they lost X % of their 401k during the (insert financial crisis)....
Looking to pay off $15k of student loan debt of my partner. It’s something we could wipe out with cash on hand if we wanted to relatively quickly. But one of the loans is 4.5%. Am I better off just riding that out but keeping the cash in for that loan in a HY savings account or keep reinvesting it in short term CD’s that...
What are my options when my provider sends me a bill without submitting a claim with my med insurance, and is ignoring my repeated requests to submit the claim and send me a revised bill post-settlement? How do I prove that I do not owe the billed amount, and I do not owe them anything until they claim it through my insurance...
I had my taxes all sorted(I’m using Tax Slayer) and was just waiting for them to actually submit the return when it’s time. I was figuring it wouldn’t be until around the 29th, but I just got an email tonight that said the irs had accepted my federal return. Are they accepting returns already, or is that email probably a...
One paycheck I earned only $77 and the govt withheld 9% of it....
… is it normal/legal for the state I work in to withhold state income tax from my paychecks?
Prices of things are becoming absolutely insane. $800+ rent, $30,000 cars, $10 sub sandwiches, etc. It would be nice to do a 3/1 split and cut everything by 2/3. Then we would have $266 rent, $10,000 cars, and $3.33 sub sandwiches. Wages, debts, everything would drop to 1/3 what they are now. It would also make coins useful...
I just came here to say fuck the US Securities Act of 1933. I am sure it must have some very important reason for existing, but at the moment it is preventing me from doing anything reasonable with my money....
I’ve read that if you have the money up front, investing it as a lump sum on January 1st will produce higher returns more often that investing on a monthly/weekly basis. Is there more to consider in 2024 with our current high interest rates?
I moved countries a few years ago and am building up my credit score from scratch. I’m cognizant of good practices to build up my credit score like paying my credit card on time. My credit score dropped 10 points in the last month but I don’t know why. I’ve increased my spending on my card because of Christmas and...
Looking for a brokerage with functional, individual API access to, at least, account positions, balances, and equity/fund/bond prices. Used to be happy with TDA, but they got bought by Scwab, whose API has been “pending” for six months.