The Exchange joked earlier this week that Christmas had come early Social hub Reddit filed to go public, TechCrunch reports. You know what that means: It’s time to ask questions. T...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. …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!) ... This is a common trend on the … r/ PersonalFinanceNZ. Posts Wiki Discord. Step by Step Guide to Handling Your Finances. Step 0: Budget and reduce expenses, set realistic goals. Step 1: Build an emergency fund. Step 2: KiwiSaver. Step 3: Pay down high interest debts. Step 4: Save more for retirement. Step 5: Save for other goals. Personal Finance. 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! 18M Members. 4.1K Online.Jul 6, 2020 ... https://www.reddit.com/r/IndiaInvestments/comments/9ltgni/for_someone_who_is_absolutely_at_level_zero_in. Upvote 24. Downvote Reply replyA user asks for advice on personal loans and credit cards, and gets replies from other Reddit users who share their experiences and tips. The replies cover different options, …Reddit's advertising model is effectively protecting violent subreddits like r/The_Donald—and making everyday Redditors subsidize it. Reddit has a problem. The website has always p...More experience, qualifications, emotional intelligence, confidence and Networking get you better jobs, and better jobs get you more money. Older people have had more time to acquire some combination of the above. However, it doesn't mean they have used their time to do so. 2.4. r/FinancialPlanning. Members: 172k. Description: Financial Planning, Personal Finance, Frugality, Money, and More! r/FinancialPlanning is another good general personal finance sub to ask money and financial questions. What makes this sub unique is that it’s the least “DIY.”.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...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: 3AJK5fKhgv20 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.Reddit has joined a long list of companies that are experimenting with NFTs. Reddit is launching a new NFT-based avatar marketplace today that allows you to purchase blockchain-bas...Credit crisis at 19: Now 22, Dealing with the Fallout. Seeking advice So, I wasn't exactly raised with a financial handbook. When I started raking in more cash than I ever dreamed at my SEASONAL gig, I went a bit wild. Living like money grew on trees, I didn't think twice about racking up serious debt. It was all good until the slow season hit ...Can be anything related to finance - personal finance, banking, financial education, investing, etc. but just top 3. UPDATE: I did a count (by mentions not by number of upvotes) and as of 24/03 00:00 the leading apps are: Bank: r/monzo and r/StarlingBank Saving/Investing: r/MoneyBox - also the most mentioned app Budgeting/Planning: … Perché preferire un ETF sull'oro. (e.g. Invesco Physical Gold) piuttosto che comprare del vero e proprio oro fisico (lingotti ecc.)?Nel caso di un collasso del sistema finanziario, di una guerra o di altri motivi tali per cui non si possa più accedere agli ETF non sarebbe meglio averlo a disposizione pressoché subito dato che si tratta del bene rifugio per eccellenza? 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 place to discuss personal finance for New Zealanders. Discuss savings, investments, KiwiSaver, debt management, home loans, student loans, insurance, and anything else personal finance-related. Members OnlineReddit 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 ...In plain English, an IRA is an account you put money into that receives favorable tax treatment. Each year you can elect to contribute money to your IRA using "out of pocket" money, as opposed to your 401 (k) contributions which must be funded through payroll deductions. The annual contribution limit is $7,000 in 2024 (plus an additional $1,000 ...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. 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 ...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 …It comes before basically any non-employer match retirement savings. Semi-related, but debt from 5-10% interest rate is not addressed in this flowchart. Maxing your IRA comes before saving 15% total for retirement. Kind of nitpicky, but depending on employer match, etc, its possible for many people to hit that 15% before maxing …In today’s digital age, having a strong online presence is crucial for the success of any website. With millions of users and a vast variety of communities, Reddit has emerged as o...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….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. The XY Planning Network is an organization of fee-only financial advisors that specialize in helping members of Generation X and Generation Y. All advisors are CFPs. Vanguard Personal Advisor Services charges 0.3% per year for assets managed under the service. Many of the advisors hold a CFP credential, but some do not. 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. Dec 23, 2022 · 0% to 2.5%. Invest in private market. Evolve your portfolio beyond just the stock market today. Open An Account. Turning to Reddit for specific personal finance advice probably isn't the best idea ... 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. The Financial Planning Reddit board offers advice for people in all different income levels. However, this subreddit is focused primarily on professional advice for working people. Redditors use this board to discuss everything from career advice and negotiating tips to insight on the best retirement plans.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...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.Personal Financial Spreadsheet. Hello r/personalfinance ! Around this time last year, a user posted a link here to a spreadsheet that they used for keeping track of their finances, so that other people could use it too. I downloaded it, and since then have made many, many changes. I’d like to share my updated version that I've …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 …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.Here are the four personal finance tips they recommend as helpful for most people. 1. Apply credit card rewards toward your long-term goals. Credit card rewards can do more than just help make ...Even if you plan on making extra payments, the flexibility of PAYE and IBR can benefit most borrowers. Income-Based Repayment: You pay 15% of your discretionary annual income divided into 12 monthly payments. If you have less ~$20k in income, your payments are generally $0/month.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 …3% at One Finance. No limit, but funding the 3% account is limited to 10% payroll/benefits direct deposits, up to a maximum of $1,000 per month. 1% at T-Mobile Money. No limit or requirements. HM Bradley is going to be the highest rates, but with new, extremely high, hoops to jump through starting Feb first.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. … 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. The ever-popular TurboTax is easy to use, has app support (multiple apps for self employed, tracking, etc), and includes live support. Reviewing and updated figures is easy, and you can import PDF's of W-2's. Intuit owns them, and they can pull information (like investment returns) from 300 different brokerages.Jake_NoMistake. • 2 yr. ago. I never think personal loans are worth it. It makes your financial life less stable. Save the money and move at the speed of cash. Besides, it will be fun decades later to look back and think about the crappy furniture you had. Tactical_Boom3. OP • 2 yr. ago. Sorry for the late reply!Hello, what are the basics of "personal finance"? : r/personalfinance. I'm almost completing my degree, but I'm practically a spend-thrift. I spend a lot due to my OCD and possibly …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!The basics of personal finance fits on a single index card. The basics of finance require a textbook. If you want to learn the field of finance, work through Khan Academy. From there, if you want to stick to online content, Coursera has several good introductory classes you can work through. If you really want to learn it, enroll in an applied ... Please use UK Personal Finance sub /r/UKPersonalFinance for personal question posts. This is not a Q&A subreddit. Please report posts that break the rules. Acceptable Post Topics: Latest Finance News (Do not editorialise titles) Boosting Income; Beer Money and Side Gigs; UK Employment; Business and Entrepreneurship; Discussion topics 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!The Financial Planning Reddit board offers advice for people in all different income levels. However, this subreddit is focused primarily on professional advice for working people. Redditors use this board to discuss everything from career advice and negotiating tips to insight on the best retirement plans.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 highly recommend the book "Personal Finance for Dummies". It covers all the bases in plain English. It's divided into topic sections that make it easy to refer back to specific topics later on. The most recent edition is the 2018 version. I gave this book to both of my kids when they turned 18.Personal Finance is a subreddit where users discuss saving, investing, retirement planning, and other practices connected to money management. It is the largest.Personal Finance. 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! 18M Members. 4.1K Online. 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. 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.Monthly Premium $346, Deductible $7000, Out of Pocket Max $7000. Plan 2. Monthly Premium $545, Deductible $0,Out of Pocket Max $4500. When I do the math, a year of monthly premiums plus out-of-pocket max is roughly the same for both plans. So if disaster strikes, I’m going to be paying the same either way. I’m …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.Just because your plan might be a "HDHP", it doesn't mean that it is an "eligible HDHP" in terms of contributing to an HSA. For example, an eligible HDHP must have a minimum annual deductible of at least $1,300 ($2,600 family) and a maximum out of pocket of at most $6,550 ($13,100 family), in terms of 2016 values. 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 ... Roth IRA That means you only invest $7000 for the year and pay $1500 in taxes. Since you are willing to pay taxes on $8500 I will use that as the base. I would open a traditional IRA. Put $7000 of tax deferred money in. $8500 - 7000 = $1500 you will pay taxes on. Call it $300. $1500 - 300 = $1200 taxed dollars to invest in a mutual …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 …More experience, qualifications, emotional intelligence, confidence and Networking get you better jobs, and better jobs get you more money. Older people have had more time to acquire some combination of the above. However, it doesn't mean they have used their time to do so. 2.A user asks for advice on personal loans and credit cards, and gets replies from other Reddit users who share their experiences and tips. The replies cover different options, …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 Exchange joked earlier this week that Christmas had come early Social hub Reddit filed to go public, TechCrunch reports. You know what that means: It’s time to ask questions. T...Hello, what are the basics of "personal finance"? : r/personalfinance. I'm almost completing my degree, but I'm practically a spend-thrift. I spend a lot due to my OCD and possibly … 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. Best is YNAB + Spreadsheet. I use YNAB to track the day to day. But use a spreadsheet to track the larger picture stuff, such as retirement savings progress, spending trends, etc. My spreadsheet is really about tracking retirement figures though. Scarovese. Monthly Premium $346, Deductible $7000, Out of Pocket Max $7000. Plan 2. Monthly Premium $545, Deductible $0,Out of Pocket Max $4500. When I do the math, a year of monthly premiums plus out-of-pocket max is roughly the same for both plans. So if disaster strikes, I’m going to be paying the same either way. I’m …Daily.dev has raised $11M to help software developers connect, share knowledge and discuss all that's happening across their ecosystems. If Reddit and Stack Overflow were ever to c...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.With ASB, need to refix, rates I’ve been given 6 month 6.92%, 12 months 6.88%, 18 months 6.78% and 24 months 6.69% on 180k. Traditionally I’ve tended to go with 24 months, but …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 …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 …Daily.dev has raised $11M to help software developers connect, share knowledge and discuss all that's happening across their ecosystems. If Reddit and Stack Overflow were ever to c...It’s prob worth $1000. I looked around at used cars (Hondas or Mazdas or Toyotas with 40-60k miles) and the used car prices are crazy. A 3-4 year old used civic is going for 19-22k, where as a new Kia Forte or Mazda is 22-25. With lower financing rates. I don’t feel good about a new car for a 16 year old.Dec 6, 2014 ... It turns out that, yes, they are bad with money. They are also bad with pretty much everything else. Our brains process information using an ...WallStreetBets founder Jaime Rogozinski says social-media giant Reddit ousted him as moderator to take control of the meme-stock forum. Jump to The founder of WallStreetBets is sui...Jan 4, 2022 ... I'm not sure how you expect a reddit post to accommodate every single bit of financial information and even if it did, nobody would read a bible ...A variety of financial calculators: Cash flow, college, credit and debt, home & mortgage, taxation (US), insurance, paycheck & benefit, qualified plans, retirement, savings, investment, automotive and business. A debt paydown calculator that allows you to create a log-in to save your information. Includes extra payments (scheduled and one-off).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 … Welcome to Personal Finance for the Financially Challenged! Check out our Wiki for general useful information. Much of the financial advice online and on reddit is aimed at people who have varying degrees of disposable income, ability to invest, lots of free time, available transportation, no kids, a partner, access to credit, and beyond. 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 ...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 …On a $600 000 property, if I put down $30 000 on a 30 year mortgage rate of 5%, I’m looking at $3140 per month. On a 3 bedroom in an area I’m looking at, I can expect around $500 a week from rent, so approximately …Personalfinance reddit
I already have a 3 month emergency fund and max out my pension. Assuming a 7% return in index funds (somewhat conservative), £600,000 would give me a return of around £42,000 a year (compounding) - much more than the £18,000 I'd save a year in rent. House prices in London, while resilient, are fairly stagnant. r/PersonalFinanceEgypt: Discuss: budgeting, investing, saving, banking services, and all-around personal finance in EgyptYour 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.Roth IRA That means you only invest $7000 for the year and pay $1500 in taxes. Since you are willing to pay taxes on $8500 I will use that as the base. I would open a traditional IRA. Put $7000 of tax deferred money in. $8500 - 7000 = $1500 you will pay taxes on. Call it $300. $1500 - 300 = $1200 taxed dollars to invest in a mutual …3 Unhelpful or disrespectful. 4 Asking for handouts or transactions. 5 Legal or business discussion. 6 Politicizing. 7 Lawbreaking information. 8 Personal attack or abusive language. 9. 10. r/personalfinance: Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning.Personal Finance. 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! 18M Members. 4.1K Online.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. 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. 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. User Agreement. Go to personalfinance. r/personalfinance. r/personalfinance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. … r/fansofpersonalfinance: Personal Finance tips & Tricks. ChexSystems is responsible for sending out the list of people that have been banned from using debit cards. 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 ...Nobody’s incorporated as a bank in years because a credit union can do 99% of what a bank does for higher profit due to not paying taxes. No one owns a CU, so any profit gets retained. There have been few de novo charters because chartering a bank during ZIRP is just lighting money on fire for many years.The first is really for multiple occupancy buildings, but it is saying that the monthly gross rent should be 2% of purchase price. For single family homes it should be at least 1%. The 50% rule says that, over time, roughly 50% of gross rent will go to expenses - insurance, maintenance, vacancy, etc, etc.The sheet is divided into a few different tools. Budget: Select your pay schedule, add any extra income/tips that you get monthly and select the percentage of that income that you want to save. the credit card section allows you to input up to five cards and adds your monthly car payments to your expenses.Income at your age. A part of me being behind was significant total comp jumps from $80k to $100k to $128k to $132k in the span of Sept 2021, April 2022, and March 2023.Here is a list of some of the most common questions that pop up in r/personalfinance, and the common rebuttals. Don't let this be you! Emergency Funds. Why do I need an …Nov 13, 2023 ... The go to is about 10k savings. After that, best to put your money into something that will make better returns, be that investing in the stock ...A website’s welcome message should describe what the website offers its visitors. For example, “Reddit’s stories are created by its users.” The welcome message can be either a stat...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 ...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 % … After 40 years, his $6000 investment in the traditional IRA will be worth about $45,700. If his annual income is $60K per year in retirement, withdrawals from his traditional IRA will be taxed at 22%. So he ends up paying $10,054 to the government and keeping $35,646. His $720 will be worth about $5,500 in 30 years. 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 …Nov 16, 2022 ... United States / General · /r/personalfinance · /r/financialindependence (Financial Independence / Retiring Early) · Personal Finance wiki &mid...Reddit has joined a long list of companies that are experimenting with NFTs. Reddit is launching a new NFT-based avatar marketplace today that allows you to purchase blockchain-bas...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 […] Reddit Personal Finance, r/personalfinance, is an excellent starting place for the average person to get knowledgable about personal finance. Remember, the community is made up of people just like you and me. And due to the sheer volume of people that come together, it means there are bound to be experts lurking with smart answers. This is Reddit's very own solution-hub. Members Online • Dry-Diet-6542. ADMIN MOD Is it better to save money and focus on personal finance, or spend travelling and having … 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. User Agreement. Go to personalfinance. r/personalfinance. r/personalfinance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. …A place to discuss personal finance for New Zealanders. Discuss savings, investments, KiwiSaver, debt management, home loans, student loans, insurance, and anything else …6) Now you wanna take the car out for a test drive. 6a) Make sure the car starts without any issue. You can be a little lenient if it's under 60 degrees or so, since cold starts can be tricky even for new cars. Starting issues can indicate either battery being too weak ($50-100 fix) or the ignition system ($500). I already have a 3 month emergency fund and max out my pension. Assuming a 7% return in index funds (somewhat conservative), £600,000 would give me a return of around £42,000 a year (compounding) - much more than the £18,000 I'd save a year in rent. House prices in London, while resilient, are fairly stagnant. Aug 16, 2022 ... More from r/personalfinance · 's profile; Close. r/personalfinance. Join. Personal Finance. Learn about budgeting, saving, getting out of debt ...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. Please use UK Personal Finance sub /r/UKPersonalFinance for personal question posts. This is not a Q&A subreddit. Please report posts that break the rules. Acceptable Post Topics: Latest Finance News (Do not editorialise titles) Boosting Income; Beer Money and Side Gigs; UK Employment; Business and Entrepreneurship; Discussion topics I highly recommend the book "Personal Finance for Dummies". It covers all the bases in plain English. It's divided into topic sections that make it easy to refer back to specific topics later on. The most recent edition is the 2018 version. I gave this book to both of my kids when they turned 18.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….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 ever-popular TurboTax is easy to use, has app support (multiple apps for self employed, tracking, etc), and includes live support. Reviewing and updated figures is easy, and you can import PDF's of W-2's. Intuit owns them, and they can pull information (like investment returns) from 300 different brokerages.I got three quotes and really narrowed it down to one based on pricing, equipment offering, and other recommendations. But, I have two financing options: The HVAC company offers 5year financing at 7.99% percent. Or I can use a program from either my local gas or electrical utility to get 4.99% for 1, 3, 5, 7, or 10 years.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.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. …Oct 7, 2023 ... For example, you can try putting money in simple and safe instruments like 5% APY CDs that mature in 6-12 months. You can move the $25k into a ...However, the premium amount is way higher than what was seen on the website of insurance provider. Policy bazaar has a way of masking this by offering 30% 'discount' on first year premium payment but the subsequent payments till end of maturity is INR 3k excess per year. Ended up saving 50k (in PV terms) 8 4.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.Go to personalfinance r/personalfinance. r/personalfinance. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Join our community, …Best is YNAB + Spreadsheet. I use YNAB to track the day to day. But use a spreadsheet to track the larger picture stuff, such as retirement savings progress, spending trends, etc. My spreadsheet is really about tracking retirement figures though. Scarovese.22, I don’t feel ready to become completely independent. I live at home with my parents to whom I don’t pay rent, I’ve been a truck driver for about a year now, so i’m not even there throughout the week only on weekends. I make okay money for the area although I feel like I need to make more. As of making this post I have 8k in savings ...Apr 29, 2023 ... ... personal finance so I can share with these ... Personal finance is personal. ... Reddit · reReddit: Top posts of April 2023 · Reddit · reR...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. 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