personal finance

Still new in managing my money. Just wondering where should i put my money instead of debit card. Looking for put in somewhere more liquidity, easier to take out the money. Because debit card is easier to lose money than credit card. But, where should i put other than debit card? I'm...

Good Morning, I'm hoping PFC can assist me with a big decision. We currently have 325K cash on hand are debating if we should lump some on one of our mortgages or invest it into the S & P in a non registered account. Details Mortgage 1: 875,000 purchase, balance 750,000. Interest rate at...

EDIT: mortgage is 541 a month, not week. Edit: some people are asking how I have a mortgage. I was in a very bad accident and received a relatively modest settlement. Did nothing with the money, just put it away and used it as a housing deposit on a small unit in an up and coming location. I am...

I hope you guys ok with me posting a survey as it related to investment and thoughts on U.S indexes market. It only take about 3-4 minutes only and answer list also provided. I am conducting a survey as part of my research project on "Algorithmic Trading on U.S. Indexes Investment" and would...

There are infinite number of software packages for tax declaration, but given no experience I have no idea which one is a good investment. Any recommendation from fellow redditors? So far I have only been using elster, both online and offline version, but starting this year my situation will...

Idk if this is the right sub for this but it could be usefull for someone who is considering Subsale Property. Can I get a rough estimate as to how much upfront payment you guys provided just to purchase the unit? I went online to figure out the calculations but I'm not exactly sure if I...

Dear all, I am an immigrant with B permit. I used to be a UBS customer since that was the easiest account to open by the time I got to CH. Last year, after some reading online, I transitioned to Neon. However, I must say that I am not 100% satisfied. I absolutely love the fact that payments in...

I am looking to invest some savings that would go towards a house downpayment, so I want to keep them available in short term. Local banks (Greece) offer a 6m deposit rate of around 1.5% which seems low given the general rates around the world. I would look to get a 3-6m US T-bill for roughly...

Basically, Vanguard will allow Canadians to follow the CCP strategy with a single ETF. No rebalancing needed by the investor but slightly higher fees (MER 0.24%) than the traditional 3 ETFs version. Investing giant Vanguard launches ‘one-ticket solution’ ETFs As noted in the article, it may...

I currently am sitting on a IBKR port spread of 10% vusa (for the gleaming hope DD is eradicated). 30% JAM, 20% Brk.b, and a small hundred quid in JNJ. Very small portfolio but I'm just testing the waters to see what I like. Sold my stake in FCIT. Wasn't too happy with it for the last 3 months...

So a few years back I bought a few obscure crypto tokens and added them to the exchange's staking platform and kind of forgot about it. Recently I checked up and see that over time I was awarded a few other cryptos as part of the staking reward, which are now worth a small amount. I don't...

Getting my Christmas bonus soon and am going on a lads’ trip to the Euros in June. I’m going to put a grand aside as my spending money (everything else is paid for). What’s the best, safest thing I can do with that money that will turn it into a little bit more? I have Revolut; their vaults pay...

Hi everyone, Im looking for an ETF broker as the one Im currently with has high fees. Which would you recommend? I’ve heard not to go to eToro, but that Scalabe, Interactive Brokers and Trading 212 are good. Which would you recommend? I tend to buy just a few ETFs a year (Im a student so don’t...

I want to prepare for GARP FRM Level 1, I heard that there are 4 subjects and they all are overlapping with each other in some readings/chapters, what should be the ideal preparation strategy in which order of chapters I should start learning as I'm a working professional and can only devote 2...

Let's pretend that over the next several years I'm able to max out my ISA contributions. Given that the FSCS currently protects upto £85k, does the following strategy make sense? Or is it over engineered? Year 1: Max ISA contribution to Provider 1 E.g. Vanguard Year 2: Max ISA contribution to...

I'm looking for general insights or advice into my current income v. expenses. Background: I am a government employee (currently a GS9 with GS11 expected by EOY). Currently living an hour away from my workplace with a low income partner. I have prioritized heavily paying off my student loans...

2012- Zero networth 2024- eight figures (1.2 cr to be exact) Living in a tier three city. Low cost of living. Only major recurring expenses is online lectures and classes and purchasing books. Working in a psu bank currently. Before joining work was freelancing. Saving rate after necessary...

Hi Reddit! Very recently I was presented with the opportunity to buy some used camping equipment at some pretty crazy prices. I decided to move on a hunch and buy some of with the intention of reselling it. Mostly just some authentic 3 x 3 x 2.5m canvas tents, ground sails and Campmaster...

Hi there, Please advise a plan to kill my debt. I am 43yo and a single earner in NJ making around 142k before taxes. The only contribution that's going out of my paycheck is 150$ for 401k with a match of 250$ from my comp, plus around 500$ goes in ESPP (15% discount). I've saved around 10k...

30M, unmarried. IT guy in Bengaluru, Income 1.9L take home. Bought car worth 15lac.11lac loan pending. MF- 4.5lac, Stocks -5lac, SGB- 40 gram, Lended to friends n family - 14 lacs, Edit: this money is 98% safe. This is distributed to many people with different rate of interest in the range...