Interest will start accruing again on September 1, after rates were effectively set to 0% since March 2020 for federal student loans. Now, interest rates, which are fixed and vary by loan, will return to the same rate they were before the freeze. ... read full post
What are you invested in? Target date funds, ETFs, individual stocks? Do you think of your portfolio as aggressive, neutral, or conservative? ... read full post
I'm a long time PocketSmith user currently switching to Quicken. PocketSmith is a decent product but has some glaring issues that don't seem to be on their radar and I feel like my finances have honestly become too complex for PocketSmith's simplistic philosophy. ... read full post
Definitely a trend I see around me (Europe, 30 years old). ... read full post
I recently started giving plain text accounting a go. For a long time I did not do any accounting, as my income was high enough to get by perfectly fine, but recently I wanted to get a lot more control over my personal finance in order to easier achieve more long term financial goals. ... read full post
I'm talking about types of accounts, automatic transfers, etc. Feel free to mention specifics, but I'm more interested in higher level information like does your paycheck go to savings or checking, do you use automatic transfers, do you use a traditional bank account or something different, etc. ... read full post
Many steps remain before older adults see the benefit of the Centers for Medicare and Medicaid Services’ upcoming talks with drugmakers.
I am looking for a target-maturity bond ETF for UK Gilts but I couldn't find any by using an internet search engine. I would like something similar to iShares iBonds Dec 2033 Term Treasury ETF but for UK Gilts instead of US treasury bonds. Does such an ETF exist? If not, what are the practical alternatives for getting UK government bond exposure that have the following characteristics: ... read full post
This is technically a question specific to Canada but maybe it can be applied to other countries as well. ... read full post
At the end of 2022, I discovered this software that I've been using all year. I'd like to hear your thoughts or experiences with GnuCash, or whatever system/program you use to track your personal finances! ... read full post
My family uses credit cards for all purchases and we pay them off in full each month. Although sometimes we'll use a 0% APR promotion for bigger purchases.
Which cards do you use for maximizing your rewards?
My family needs a second car. I'm thinking about a used Chevy Bolt or Nissan Leaf so I think the cost will be about $20,000.
What's a good source for financing? I was thinking about getting a loan from my bank, Chase. But I see there are also lenders that specialize in car loans, and there might be dealership options? My credit score is over 700.
Our (spouse and I) are in a few of these funds. Is there a retirement calculator that figures out projections of these always-adjusting funds?
The Fidelity "Monte Carlo" simulation seems to not adjust with them even though these funds do.
A buddy of mine told me about Wealthfront recently and they’re 5% money market account rates. ... read full post
Hello everyone, ... read full post
Legislation known as the Credit Card Competition Act, first introduced in Congress in 2022, is described by its sponsors as encouraging “competition in electronic credit transactions.” But if lawmakers end up passing the measure, opponents say it could also torpedo the rich rewards and perks that cardholders have enjoyed for years. ... read full post
Domestic airfare fell 2% to an average of $267 per ticket in August. The plateau will last through mid-September, but then begin to rise as the holiday season approaches, peaking in late November or early December.
Hello! I am looking for some suggestions on supplemental income while I am job hunting. Unfortunately I had to leave my career unexpectedly due to incessant racism and discrimination. ... read full post
Baby boomers anticipate that 47% of pre-retirement earnings will be replaced by Social Security, according to results of an annual survey from the Nationwide Retirement Institute. But the reality for someone making what the Social Security Administration considers the average wage in recent years, about $60,000, is more like 37%, according to the Committee for a Responsible Federal Budget. And the percentage drops as household income rises. ... read full post
About 36% of U.S. adults say they have less than $1,000 in their savings accounts.
For analysis of the political views of that media: https://ground.news/article/over-half-of-americans-say-theyre-not-even-close-to-financial-freedom
cross-posted from: https://lemmy.crimedad.work/post/12162 ... read full post
cross-posted from: https://lemmy.today/post/568354 ... read full post