Personalfinance reddit

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!

Credit Cards or Personal Loans. I am currently starting a business after years of waiting for legislation in my state to figure itself out. My expectation is to begin formally operating in March of 2024 and will need somewhere between 15-20k to feel safe if my results don't start off as hot. I have spent so long working purely in academics that ...Feb 3, 2021 · When it comes to personal finance, there's a lot of advice out there. Some of the best advice comes from a forum website called Reddit. Specifically, the r/PersonalFinance subreddit. (A subreddit is like a mini forum within Reddit all about a specific topic—in this case, personal finance!) However, there are tens of thousands of posts talking about […] 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 IRS said wait times during tax season can average 4 minutes, but you may experience longer wait times on Monday and Tuesday, the IRS said, as well as during …Go to personalfinance. r/personalfinance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF Wiki, …

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. Posts must be a personal finance question or discussion with a descriptive title. We don't allow: Polls, surveys, or requests for personal data, experiences, or other types of self-reporting Success stories or thanks (use weekday/weekend thread) Several disallowed topics. Meta posts IAmA/AMA requests or posts 3. r/frugal. Whether you have a limited income to work with or are trying to live a more budget-conscious life, r/frugal is a great community to explore. Redditors share their favorite tips on ...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.20-25k in spend on the categories of flights, hotels, and food will net you some great rewards with the premium credit cards like the Chase Sapphire Reserve and the AMEX Platinum. You have to qualify for these cards, so you have to build your credit first. I would also recommend the Discover card because it will be easy to get that …Reddit community for TheFinanceNewsletter.com and its 50,000+ readers! (We debate & discuss money, finance, investing, stocks, financial news, personal finance, real estate, crypto and building wealth from different perspectives to understand different points of views). Upvotes & Downvotes moderate this sub.Pay Off Credit Card Debt OR Keep More Cash Available? Credit. I have about $30K in my savings and about $15k in my checking account.I also have about $12K in credit card debt across several different cards. I know I am paying interest on these cards every month that I have a balance. Most of these charges come from …Feb 3, 2021 ... Key Takeaways: My Personal Finance Advice · Create a budget, or at the very least list out all your expenses. · Get credit cards and pay them ...

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.Personal finance is a term that involves managing your money and planning for your future. It encompasses spending, saving, investing, insurance, mortgages, banking, taxes, and retirement planning. Personal finance is also about reaching personal financial goals, whether that’s having enough for short-term …In normal cases if you can save a 1 to 1.5 points it is worth refinancing. However in this case, I don't think you need to be in a rush to refinance because at some point rates will …For a full service move across the country by a moving company, expect $10,000-20,000. So a rough estimate for how much you'll need immediately for a $250,000 house would be $50,000 downpayment, $12,500 closing costs, and say about $5,000 relocation (assuming you're moving a couple states away here). $67,500. First thing, make sure your 401k deduction is set to 10-12% right away. If you can set an annual increase, set it at 1% if you expect annual raises. The 1% will not be felt with the raise. Second, focus on getting 6 months savings. Not all right away, but shoot for an additional 10-20% in savings each paycheck if doable.

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Taxes. Your employee income is taxed like so: 7.65% goes to Social Security and Medicare taxes until you reach $160,200. Also, at the same time your income is taxed in chunks at various rates. Assuming no special deductions, 0% for the first $13,850 due to standard deduction and exemption. Then 10% of the next ~$9K, 15% of the next ~$28K, 25% ...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!Sep 5, 2023 · 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 on upvotes. It so far is better than using Mint and Personal Capital, which never updated my credit cards and was hit or miss for updating my retirement accounts. LevKaz08. •. KMyMoney is another free software. More replies. cwazycupcakes13. •. …

The TSP website, which is surprisingly functional for a government website, offers lots of helpful information on their Forms & Publications page. The TSP also has a Twitter handle: @tsp4gov. r/personalfinance: Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF….The contribution up to the company match maximum is already handled earlier in the flowchart. 401k makes more money in the long run and is way more important for retirement. Whether your HSA or 401k has better investment options entirely depends on the providers, but odds are they're both going to be comparable.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!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. Reside in Virginia, single at a $115k salary. I’ve been paying off my tuition bill as it comes through the university’s payment plan accruing no loans. 2023 Fall semester. · Early July 2023- I deposited $4,000 in the Virginia529 plan. · Late July 2023 - Withdrew the $4000 to pay for partial tuition. 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 ...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...TLI Pros. TLI is inexpensive. Premiums are in the neighborhood of tens of dollars per month (~$500/year) in exchange for $1 million of coverage (these numbers vary with the term, your health, amount of coverage, which insurance company you buy the policy from, and your state. No matter how you swing it TLI is comparatively … Go to personalfinance. 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! MembersOnline. •. atlasvoid. How to prioritize spending your money - a flowchart (redesigned) Planning.

3. r/frugal. Whether you have a limited income to work with or are trying to live a more budget-conscious life, r/frugal is a great community to explore. Redditors share their favorite tips on ...

Welcome to /r/Legal, a community for discussing legal topics. No advertising, please. Please note that Reddit automoderates posts by new accounts. If you want to post a question, it … Suggestions about this flexi cap fund - Quant Flexi Cap Fund Growth Option Direct Plan. I wanted to invest 10000 as a sip in this fund Expense ratio 0.68% Benchmark S&P BSE 500 India TR INR AUM ₹4155 Cr Inception Date 1 January, 2013 Min Lumpsum/SIP ₹5000/₹1000 Exit Load 1% Lock In No Lock-in TurnOver 161.22%. 2. Reddit has worked out well for me, at least where my finances are concerned. It taught me the opaque math that car dealerships use during lease negotiations, ultimately saving me $1,000 on my ... Suggestions about this flexi cap fund - Quant Flexi Cap Fund Growth Option Direct Plan. I wanted to invest 10000 as a sip in this fund Expense ratio 0.68% Benchmark S&P BSE 500 India TR INR AUM ₹4155 Cr Inception Date 1 January, 2013 Min Lumpsum/SIP ₹5000/₹1000 Exit Load 1% Lock In No Lock-in TurnOver 161.22%. 2. Mortgage loans. Usually, you cough up a down payment out of your own savings, and take out a loan from a bank to fund the remainder of the house. The bank buys the house for you, and you pay the bank back monthly. After X number of payments (say, 30x12), the bank "gives" you the house.It seems like everyone agrees VOO through Vanguard is the best index fund to invest in but I’ve also heard of S&P 500 (or are these 2 the same thing?). They're the same thing. I'd recommend VTI which is the total stock market and includes mid cap and small cap (but is still mostly the SP500) r/fansofpersonalfinance: Personal Finance tips & Tricks. ChexSystems is responsible for sending out the list of people that have been banned from using debit cards. The TSP website, which is surprisingly functional for a government website, offers lots of helpful information on their Forms & Publications page. The TSP also has a Twitter handle: @tsp4gov. r/personalfinance: Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, read the PF….

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Real estate is often portrayed as a glamorous profession. Real estate agents, clients and colleagues have posted some hilarious stories on Reddit filled with all the juicy details ...Feb 4, 2022 ... First off, make no big decisions for 6-12 months. See a fee only financial advisor (not the person your parents saw). Put aside money for ...Your income tax is not 22% of $52,000! Since the tax brackets are marginal, only the amount above the 22% bracket threshold ($38,700 taxable income in 2018) is taxed at 22%. Your new tax calculation looks like this (again, using 2018 numbers): $12,000 standard deduction at 0% = $0 tax. $9,525 at 10% = $953 tax. The FA told me they work for Primerica and would like to meet again so we can work together. They aren't MLM. They are a commissioned salesperson and will recommend funds and products you don't need which are too expensive. Avoid them like the plague. You're in your mid 20s and have done your research. You've got this. 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.However, note that this coverage does not cover you (the at fault driver). The limits with this coverage get a little more complex. There are two limits. Per person and per occurrence. A common example would be 50/100. This means it will cover up to $100,000 for any given accident but each person is limited to $50,000.Nov 16, 2022 ... United States / General · /r/personalfinance · /r/financialindependence (Financial Independence / Retiring Early) · Personal Finance wiki &mid...A place to discuss personal finance for New Zealanders. Discuss savings, investments, KiwiSaver, debt management, home loans, student loans, insurance, and anything else …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.The best thing you can do is to sell the shares the day they are purchased. Doing this, you are GUARANTEED a 17.6% (1 / .85) return on your investment since you are getting a 15% discount on the stock price. If the stock went up, the return will be higher. Breaking down the numbers: In both examples we contributed $2499.96 … 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. Refer to the Subreddit Rules above. About to have access to a 36k loan at .75%. r/personalfinance. Join. • 24 days ago. 30k on credit report, sued and judgment obtained for 20k of debts… make $900 a week. Budgeting help. r/personalfinance. Join. • 24 days ago.whole life = bad. universal life = bad. term life = the only type of life insurance you should consider. 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! true.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!Dec 15, 2021 · Reddit’s r/PersonalFinance community has 15 million members and is one of the most popular subreddits for content related to all things finances. The community was first created in 2009 and since then has published thousands of posts, threads, and discussions on an array of personal finance topics. 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.Dec 3, 2023 ... Write down what you're spending on everything. Do this for three months. When you have you spending habits mapped and know where your money is ... 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]