Someone at work told me to make a small investment each month instead of getting my employer to take more taxes off my pay cheque.

Anyone know how I would calculate this? I have very little money so I only want to invest the minimal amount right now.

What are your thoughts about MayBank, UnoDigital Bank, and CIMBank?

I just need thoughts about guys regarding to those banks, I just saw them in Gcash app

Hi! I am 23, in my second year in law school, I just got money like to survive, just trying to learn how to crearte a saving plan or something to complete my master after, thanks!

i want to buy a item online that is a little less than 2000$. i want a loan or use a buy now pay later method that will let me buy the item and pay them back with a credit card. i have the full 2000 so no need to worry. i’ve tried afterpay but they don’t have a high enough limit for a single purchase. i opened a sezzel account and since it’s new they only have me 750. i have messaged them but idk. please if anyone knows a method i can use to achieve this, even if they know of somewhere i could go with the 2000 to let them hold. i have high credit score if anyone is gonna ask.

I have a very close friend talking about her retirement. She is 52 with 1 young child who inherited substantial amount of wealth in Trust. She has 100k annual income, two properties with equity total 700k. 500k in 401k. She can withdraw widows benefit for 1.6k at age of 60 in addition to her own SS. She think she can retire earlier like 62. Can she?

So i only have 1 credit card for the past 3 years, and using credit karma for 3 years as well, and im today years old that I realized my name is misspelled incorrectly by one letter (Opposite position) All it is that I just need to switch the letter l and the letter e.My name is maxwell but on the credit karma emails I receive it says “Maxwlel”. I guess when i was registering for CK 3 years ago i made a typo that I realized 3 years later (today). Here’s the thing, When I press my credit score at the top in the credit karma app, in the “credit” tab, under personal information it says my full correct name, address, and phone. So was this error i did with my name just for the account creation?(for login purposes). I mean my personal information section is correct, but in credit karma, the emails i receive is my name with the typo. Which name will be on my credit report, the typo name during the Registration of the credit karma app or the correct personal information name shown on my app? How do i change my name back to normal, like the one it is showing on my personal information section on credit karma? Will this change affect my credit score?

YouTube is full of Videos about that passive investing with and MSCI World ETF Index strategy the best way to go. Especially for classical employee lifestyle. Objective is diversifiy the the small income.

• Are there any kind of risks to go with the Index ETF Strategy ?
• Do you can recommend some books that give arguments why ETF's are the better choise ?
• What happens if everyone just works with ETF ? Is then still possible to have an open market ?

Honestly at the moment everyone talks to me about how good ETF's are even the taxi driver or the retail lady. I don't want to miss something, if everyone talks so good about it.

​

Hey guys,

I have $41k in student loans. I am approaching the point where I have saved up this entire amount to pay my loans all at once (I think that's the plan anyway)

However, I figured I'd stop by to request if any of you may have some ideas for good investments that may allow me to grow my savings where, in an ideal scenario, I can retract my initial investment to pay off said loans and still have some cash left over as opposed to starting to grow my savings again from basically zero.

I already have the money in a savings account getting 5% return, I have little to no experience in stocks, and I don't think I want to go into crypto either, things like that etc.

All suggestions welcome. Thanks for your time.

Hello. Newbie investor here. I’m looking to invest for 10 years and have been talking to a pension fund, leaning towards an aggressive strategy that’s 80% equity and 20% bonds. The rate of return varies but for example this month it’s 6.61%. However, I don’t understand if the interest is compounded or not, as I know that compound interest can really help the investment grow significantly. If there’s no compound interest, should I look at other investment options?

Me (24M) and my gf (26F). Have been renting and living together for 5 years. We currently live in an apartment that charges way too much (nice area) and charges for things that a complex should charge ($65 amenity fee, $40 for an outdoor parking pass, and $50 a month for cats). We end up paying at least $2400 after utilities. Our lease ends in the middle of July.

I have been planning in advance and looking at places to move before our lease ends. I found a house for rent in a desolate area for $1800 a month. The landlord seems really nice. It’s more space than we currently live in, it’s a house on 1.5 acres and has a garage. The only problem is that the landlord is looking to rent in may (two months before my current lease ends). We would have to pay double rent but will be saving money in the long run. We both have a savings of $40,000 total between the two of us so we are prepared for things like this. Our total monthly income after tax is a little over $4000. Should we do it??

So, so sorry for this utter newbie question.

I went self-employed last April with my online business. Made £140k gross (but zero business outgoings)

Obviously it meant I want giving into a pension anymore.

Tax aside, can I put a large chunk of it into a SIPP or other private pension? Will I get tax relief on that? Will the government contribute a percentage?

I don't still fully understand pensions (I'm learning) and which one is the best for me in my position, but wondering what my next move should be.

I do have an accountant and will run this by them when we next speak, but wanted to get a heads up and at least partially sound like I know what I'm talking about.

Thanks again for any advice.

I left the previous company in 2017. My shares from ex-employer were sent to Daleware unclaimed property in 2018. After a 6 months process it is recently returned as a cash check as of value in 2017 Dec (the last statement I received from the broker), which is about 30% of current market value.

My questions are,

1. I have not changed my phone, address, and I've update my personal mail address to the broker when I left the company. Yet I have never received any notifications about the escheatment - calls, emails or mails. The broker told me it's not possible that they didn't send notifications, but they have no way to prove / trace.

2. I regained access to my broker account online in 2020. I was confused because from portal of the ex-employer (which we were encouraged to use) my accout still showed the balance before escheatment. Only in 2023 I found that the data was not sync, and called the broker to know about the escheatment. No documents / statements in my broker account indicated that, except the withdraw / transfer in 2018 without stating the cause.

3. According to Daleware unclaim property FAQ, one is eligible to get shares back (instead of cash) if the claim is made after 2017 July, and within 18 months the state eschator notification sent. I've never received any. And if returned in cash, it should include dividends / interests up to the time they were sold. But the number I received apparently is not.

I called / wrote my ex-employer, the broker, and Daleware, and it seems all dead-ended. Anything further I could do now?

Thank you for your advice.

In a situation where I have a new mortgage and a lump sum worth 40% of the mortgage loan amount, is it more financially efficient to overpay the mortgage by the maximum at the beginning of every year (typically most mortgages allow over-payment by 10% of the principal / loan amount annually withut penalty) or wait until the fixed term is up and throw the full lump sum at the outstanding amount before re-mortgaging for what's left?

I'm confused because with current rates / at the beginning of the mortgage it appears that maybe 60-70% of the monthly repayment covers interest. So, if I repay early am I effectively "wasting" 60-70% of that extra payment on interest, or does it come straight off the principal?

If waiting for the fixed term to end before paying in the lump sum I know I'd be paying more in interest over the fixed term, but when I came to renew I'd be left with whatever the principal was minus the small amount actually paid off during those first few years, so the lump sum would only be paying off the principal if this makes sense...

Before anyone suggests it I have no way of getting a smaller mortgage to start with.

Appreciate any thoughts as I can't find much guidance on this.

I am going to relocate to Boston from LA, and I have heard that it is possible to sell a car in Boston at a better price. Does anyone have personal experience how much higher a CA car can sell in MA? The drive is 3000 miles. I can sell it here and drive a U-Haul to Boston, if the price is not that much different. Thanks in advance.

I haven't done much with personal finance, I came from a background where my parents would do everything for me and I wasn't allowed to get a job so I never thought much of personal finance. Currently 21, and I feel like I'm late to starting my personal finance journal. Only had a debit card and recently opened a credit card to try to get credit up, but that's all I know. Currently working part time as a full time student. I don't really have anyone to ask, my parents never really allowed or encouraged me to do things if it wasn't with them so l don't want to ask them because they will discourage me (idk they're weird). What do I need to do? How do I start saving for retirement? Saving in general, just any advice or direction is appreciated.

Hello, I'm a mature woman and I can still learn. I'm seeking advice here because, due to poor decisions and immaturity, I've made mistakes that have led me into financial trouble. But I want to make amends. I want to improve my life and that of my family with a second income online. I've done some research, but I can't seem to find anything that seems real. The whole spelling Amazon products thing seems like a scam. I have experience in programming. It's a bit rusty, but I can relearn. Any advice on finding projects, any language you recommend? Haters, please refrain.

For context, this is for California. I am currently the only person registered on the car title. Would it be possible to transfer the title to both myself and my mom, essentially adding her name to the title? We are doing this for insurance purposes so that my mom has an insurable interest in the car, whilst being able to own it myself incase something happens in the future.

Any tips advice I am female raised 3 kids n just have no motivation. Where did anyone start at this age to gain momentum n financial freedom. Aware shit time to start in life.

I received a promo email from the local 4s store which provided a $99 oil change price plus 15% off repair like conditioning refreshes, brake and more. Then I reserved an oil change service.

After sending my car to the shop they listed me about $1000 other services needed including brake fluid etc. I said OK. And they told me I can use 15% off on them. I left the car in the shop for service.

Later on they called me and said my car needed battery replacement, which costs extra $500. So the total price excludes oil change is $1500. I thought I could get a 15% off on $1500.

After the service is done I went to pickup my car, at this time the seller told me 15% off code can only be applied to $1000 services. Sales talked to manager and said “it’s not write in the email but it does not apply to battery”. I fight back on it and the manager came, said “the promo email said the 15% discount is only for ‘recommended repair’, only battery is categorized as recommended repair” so the manager said the discount they can give is 500*15%=$75.

I felt it’s totally a fraud, the promotion definition can easily changed by their words. I could only pay the amount to get my car back.

I do not have much experience on car maintenance at all. Can I dispute? What else can I do?

I’m the beneficiary of a 529 plan (Capitol Group/American Funds) with about $12,000 left in it after getting a Bachelor’s degree. I believe the plan meets the requirements for rolling over into a Roth IRA. My question is whether I should initiate the rollover process for 2024 where I have contributed $1,700/$7,000 so far, or leave it in the 529 to continue growing? I have thought about furthering my education someday, but it would be in a completely different field if I did. Currently I am able to max out my Roth IRA throughout the year with my earned income. I deposit money from each paycheck into Roth/Brokerage/CMA. Next month I will be eligible for a 401K through my main job, which I will try to contribute as much as possible to. I do not have any details currently about the 401K plan such as employer match, etc. It is a small office and I doubt they would offer a match if they can avoid it. I estimate my gross pay to be around $65,000-$75,000 per year between two W2 jobs. I have about $7,000 left on my student loans.

Hello I just turned 19 and have 1100 in my employer 401k. I contribute 10% of my check which comes out to about $100 bi weekly into it. I work part time hours as I’m in school full time. I just want to know if my amount for my age is good enough and if I’m putting enough in because I know it’s better to invest more when you’re younger. Thanks for reading 🙏

Hey.. I rented a Ford Transit 250 (van) from Enterprise Car. Everything was fine until I returned to my apartment. When I tried to leave the apartment garage, I hit the ceiling, causing damage. There's no hole or something serious, but there is dent with scarps 5-8 cm. I had purchased cdw from enterprise rent car, Is there any chance that it can be covered?

Question about rules/norms for per diem situations.

I'm traveling abroad for work with a US based company, and I've been allowed a per diem of $94 day.

Questions:

Am I allowed to spend that on whatever I want?

Am I allowed to, or is the company legally bound to let me cash out any excess I don't spend?

If I take a weekend trip (during times I wouldn't be working) during this overseas work mission, does my per diem still apply?

Is the per diem supposed to be given in a lump sum or given on a daily basis, with excess funds not used taken away every day?

Are these things governed by law or is it up to the discretion of the company?

I work for a small company that I like so I'm not trying to necessarily milk them for every penny but at the same time I don't want to leave money on the table and I think I may have incurred personal expenses that I should have put in the per diem account.

I recently financed a new car with an APR of 2.9%. I have about a balance of $31k remaining on it. I could pay it off but my brother told me that its best to invest that money to the stock market for better returns. My mom thinks I should pay it all off instead so I don't have to pay more $ in interest. As I will have to pay taxes on the investment gains later on, she thinks I will be at a higher net loss than paying off the car. Which route would yield lesser loss?

I just started a new job and have been getting a budget together and started allocating money to retirement accounts. I am 35 and have a goal to stop work at 55. I work on a cargo ship as a navigation officer. My life is unique and I have sacrificed a lot of my time already just due to the nature of my career.

My figures change depending on how much I work during the year. I am trying to decide if I should work to reach my goal of retiring at 55 or push it back 5-10 years and work less now while still enjoying myself.

As it stands I’ll need to contribute $45,000 a year into investments to get the number I want in terms of capital to last me 30 years after the age of 55. This leaves me with about $3,000-$3500 a month after paying bills and allocating towards my retirement goal.

I don’t have a house, car, wife, kids or any real responsibilities beyond my debt and my aging parents.

I don’t get paid during my time off. Well I do, but it’s not much. The thought of working 6 months straight on a ship 7 days a week and only saving $18,000 isn’t sitting well with me.

Just thinking out loud and wondering the best way to move forward. Lower my retirement capital target, or increase my retirement age target are the two options I can see.

I am maxing my TSP, maxing a Roth IRA, and contributing another $10,000 into a brokerage account.

I know it boils down to personal preference and shifting priorities, but just looking for insight to anyone who may have a similar experience.

I am currently being harassed by Harris and Harris asking me to call them.

I am a university student and other than deferred student loans the only other thing I have is a credit card which I alway pay for on time.

What should I do in this situation? Should I just ignore them? I am currently stressed out enough with my final exams approaching in a week and I want to know if I can ignore them at least until after.

I’m young and trying to get my first car. I don’t have much credit history but the loan is only 2000 dollars for a ford fusion from one of my friends. Any advice?

I was just diagnosed with colon canc*r and ontop of that fired because I had to goto doctors appointments and couldn’t goto work even with calling and trying to get my shift covered. I have rent and all of my other bills. I have until the 4th latest to pay and I need any way to earn money fast I’m sure I can almost do anything I’m so lost and with the new diagnosis I’m even more lost. I don’t have parents to goto or any family so I need any ideas how to earn cash fast to be able to pay my rent. I’m in FL if that helps at all. I am genuinely desperate so I’m not against doing anything.

I have a Chrysler 300 2006 221,655 miles it’s a 14 year old car it shakes while I drive it and sometimes just turns off while steering to wide and the suspension is pretty bad I need a car for work and to get me around. I found a 13,977k elantra for 371 a month 66 months 21 apr I make 15.48$ I have insurance through my job but my car insurance is like 250$ monthly the cheapest I could find. I’m also 21 with no co-sign and this would be my first car my dad gave me the Chrysler Should I go for a cheaper car or fix the Chrysler and ride until the wheels are off

Currently going to be making 28 an hour and can either get a 400sqft place for 1000 with electricity bill or 1350 for a 600sqft place with all utilities included.