finance

Hi, I’m a 23 year old earning £42k working in the NHS. I’m in a relatively comfortable financial position apart from the fact I have around £6000 in credit card debt. I have recently transferred the balances of two credit cards to a zero interest card (12 months) to make paying them off easier...

I stand to inherit money from my family. Most people do. I don’t know how much exactly or when as things change in the future, but even a few thousand dollars is enough to make me feel more comfortable about my financial future. Of course I’d like my family to be around as long as possible, but...

I wonder if that title is specific enough for the fussy bot. I changed employers in Sept last year, HMRC kept overestimating my income thinking I was working the old job as well (despite having received my P45) Eventually arrived at a tax code they later decided was too low. Ended up on a K...

Hi all! I’m hoping someone can help me, since I’m ignorant on this topic. Last week I was on holiday with my hubby and my in-laws. Once we arrived at our destination, my MIL excused herself and said that she just has to do something on her laptop. She excitedly explained that she has started...

Hello everyone, I honestly do not anything about investing on 401k, my company does SafeHarbor and has the option to either have the account managed by Empower Advisory Group, Or I can choose where to invest. Could you give me some insight on which ones i should choose or just have it managed...

I’m 18. I’m planning on starting online community college for 2 years before transferring to a university. I have $5000 in my HYSA (that’s my only bank account.) I work a full time job making about $2,700 a month (after taxes.) with my bills taking about 70% of my income. Leaving me about $750...

I did 4 years active duty in the Marines e-1 to e-4 and now e-5 in the irr (if that matters at all). I am currently using the post 9/11 GI bill to fund my education and am starting Air Force rotc in a few weeks in hopes to commission. Am curious when all said and done would the Air Force O-1 pay...

Hi guys, Me and my wife are starting a big remodeling project on our future home. This will hopefully start in the next 2-4 weeks and finish in 2-4 months. I'm not totally clear when we have to pay the builders but obviously some time in this time frame. I have a decent amount of money in...

Were you a first time buyer, how much was your deposit or if not your LTV rate? I bought my first house in July/21 and secured a 3.9% mortgage the month before, I had a 15% deposit which I thought was quite good compared to other first time buyers but I keep people who say they had a sub 2%...

I’m still on a 0.8% tracker. Looking at swapping to a fixed rate given the likely increases over the next few months (should have looked sooner I know). Best rate I can see at the min is with current provider at 2.8% for 4 years Just thought I’d get something perspectives before I take the...

Hi there, I will be transferring my finances to a self-directed account with BMO (a.k.a. InvestorLine) Thankfully, they have a list of ETFs with no commission fee ($9.95), including VEQT/XEQT. However, since it does not contain CASH.TO I am wondering if any astute Redditors see a reasonable...

What are the pros and cons of working in consulting right after a business undergrad degree? I am a 23 yr old in AB with over a year's worth of experience in Oil and Gas. It's comfortable, relatively secure (company-specific) and high paying with tons of benefits, but I feel slightly unhappy...

I filed an A-to-Z claim with Amazon.ca on April 15th, 2024 I was honest the whole process, and during the order time as well. I had a delivery issue. Amazon withdrew the A-to-Z claim by lying to me again and again saying I did not respoond to Amazon's emails when I did the next day or within 48...

I’m rebuilding after major depression and luckily found a good part-time job and they have an RSP contribution agreement. I wasn’t sure if I qualified for disability RSP or if or how to do it since I was working on myself towards working full time again but signed with RBC in agreement that we...

Finally approved. https://www.cbc.ca/news/business/apple-settlement-british-columbia-supreme-court-1.7098096

I have ‚x‘ amount of vested RSUs at 190 per share which are at a loss currently and also have ‚y‘ amount of vested RSUs at 134 per share which are at a profit. I have decided to sell some of them. Should I close the loss positions or the ones at profit? Why?

Hello, after reading this sub for a year, I finally decided to start investing (the waiting has probably cost me!). I’m a 33yo Czech citizen, working in IT in Berlin. I got lucky being able to live relatively inexpensively biking or walking everywhere, paying just around 500E rent, might go on...

Employment in Canada was down in June 2022. Here are some highlights from this month’s Labour Force Survey: Employment fell by 43,000 (-0.2%) in June, fully offsetting the increase of 40,000 recorded in May. This marks the first employment decline not associated with a tightening of public...

I'm thinking that at this moment,, mortgage rates can't decrease any further than 4.9% in 3 years. And during that time, I'm playing more in interest because waiting. Then I gotta wait 2 more years for it to go probably slightly lower than 4.84%. but I'm still paying more interest during that...

Looking for insights on this proposal our bank manager gave us. For context, we're a 32-year old couple with a child due later in the year. The total amount to be invested would be around EUR 800,000. We don't have debts and don't currently need the money, but we will likely want to buy a...