Personal Finance

Consumer Banking Recommendations

NIO Gets $75 Price Target from JP Morgan, $70 dollars from Deutsche and $71 from Credit Suisse. Tesla gets $900 Price Target from BOA.

Link for NIO: https://www.google.com/amp/s/www.barrons.com/amp/articles/nio-is-rallying-after-its-annual-consumer-event-analysts-are-raising-price-targets-51610372096 Link for TSLA: https://markets.businessinsider.com/news/stocks/tesla-stock-price-target-rally-fundraising-street-high-tsla-bofa-2021

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Ulster Bank

Ulster Bank (Irish: Banc Uladh) is a large retail bank, and one of the traditional Big Four Irish clearing banks.

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Powering the Future of FinTech with Machine Learning: Uncovering Groundbreaking Applications Transforming Finance and Tech Industries

 https://preview.redd.it/u13xbaxxfowa1.jpg?width=1620&format=pjpg&auto=webp&s=7951c0b4567b666dced10d8d0a2ed986813fcc90 Financial Technology, or FinTech, has been revolutionizing the finance world by leveraging technology and innovative approaches to provide better financial

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Is now the time to buy a house or wait?

**tl;dr,** buy house cash now or wait for let the sellers suffer more?  **Full text:** Hypothetically speaking if someone were in the position to buy a house right now. Cash down. No mortgage needed. Is now the time? **The Facts:** Looking at late car payments, insolvency rates . T

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CFPB Announcement re Payment Apps

In light of the recent CFPB notice warning payment app consumers of the lack of protections available on popular apps such as Venmo, Cash App, etc. I wanted to know if you’re aware of the specific safeguards Wealthfront has. More specifically on the Cash Account, are those funds being swept into FDI

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Wall St Member Banks have been packaging MBS in to CMBS... Wall St started to accumulate entire neighborhoods and pass them off as CMBS... CMBS is MBS 2.0.... Its called "Private Label CMBS" and almost entirely funded by Member Banks...

Good morning Apes of the world. I do believe that Wall St started to package entire neighborhoods in to CMBS... They are essentially wrapping up entire neighborhoods and calling it "CMBS". This has artificially kept the prices of housing/rents up. The FED... Pays money to "member banks" to pass th

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Financial Assistance Recommendations

[Hiring] Apply Now: Financial Administrative Assistant - Remote/In Office 1x week for N2S Healthcare Staffing Solutions LLC

[Apply here](https://open.app.jobrapido.com/us/2631771788?oc=sponsored&utm_jse=3cIoC127xVl_ozUqZqOe3ZVwALw_fQTCz22hg63ywwZdCS3KZUqszYvOO8-IuSu_RwAP-9VWgCLnanOGisM0VQ==&w2=Financial%20Administrative%20Assistant&l2=houston) We are hiring, Apply Now: Financial Administrative Assistant

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Oversight of the Troubled Asset Relief Program

The Emergency Economic Stabilization Act created the Troubled Asset Relief Program to administer up to $700 billion.

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Medical Financial Assistance Info

Hey folks! As COVID rears its ugly head with a new variant, here’s some information that may be helpful to you if you need to go to the hospital (and even aside from COVID). First off: IM NOT A LAWYER. Do your homework, I’m just sharing what I found. https://www.unitypoint.org/filesimages/Financia

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Economy of Botswana

The economy of Botswana is currently one of the world's fastest growing economies, averaging about 5% per annum over the past decade.

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[Hiring] Apply Now: Financial Administrative Assistant - Remote/In Office 1x week for N2S Healthcare Staffing Solutions LLC

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update on my issue i creatred a post about making 1800 after taxes

  i wanted to give everyone a update i called all 3 of my credit card companies 2 say i have the lowest APR they can offer and cant lower my payment and the other said they couldn't do anything i messaged two of the 3 and emailed them stating i may have a upcoming hard

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[Hiring] Apply Now: Financial Administrative Assistant - Remote/In Office 1x week for N2S Healthcare Staffing Solutions LLC

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Financial Planning Recommendations

Finally have a diagnosis for my mother's heart failure: Cardiac Amyloidosis.

Cardiac Amyloidosis is a rare protein disorder- it has caused a buildup of the proteins in her heart, causing it to stiffen and weaken/enlarge. https://my.clevelandclinic.org/health/diseases/22598-cardiac-amyloidosis And, the doctor is supposed to help her with getting financial assistance approve

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Mixed-use development

Mixed use is a type of urban development, urban design, urban planning and/or a zoning classification that blends multiple uses, such as residential, commercial, cultural, institutional, or entertainment, into one space, where those functions are to some degree physically and functionally integrated

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SHFs hate this one simple trick...How to DRS shares from Fidelity Traditional 401k (up to $50,000 worth of shares at least) -> Take out a basic 401k loan (without taxes/penalties) and simply pay it back (plus interest, to yourself) within 5 years. Now "Bite My Shiny Metal Ass, You Jerks"

Title is pretty self explanatory and not complicated at all. If you have a Fidelity Traditional 401k/IRA, then you can take a personal loan of 50% of the value (up to $50,000) within a 12 month period. You can use that personal loan to buy more shares from ComputerShare directly. Within 5 years,

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Office space planning

Office space planning is the process of organizing the workplace layout, furniture and office functions to work effectively together, while using space efficiently.

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Intel Plans to Cut Thousands of Jobs in Face of PC Slowdown

Intel Corp. is planning a major reduction in headcount, likely numbering in the thousands, to cut costs and cope with a sputtering personal-computer market, according to people with knowledge of the situation. The layoffs will be announced as early as this month, with the company planning to make

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Crime prevention through environmental design

Crime prevention through environmental design (CPTED) is an agenda for manipulating the built environment to create safer neighborhoods.

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Spreadsheet - Family FIRE Dream - 30 year plan

Hi all, this is the latest version of our family FIRE spreadsheet (v1.2 now) and our contribution to the FIRE community - we've had some great support over the years which we are paying forward! 😀🥳[https://www.dropbox.com/s/4mrtflxa5cejuhf/2023%20Family%20FIRE%20Dream%20-%2030%20year%20plan%

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YSK: US app payments received totaling $600 or more in a year can be reported as taxable income

# Consult tax and accounting professionals regarding your income & tax situations, because I am not one. **TL;DR:** Payment Card and Third-Party Networks for the 2022 calendar year are now required to report $600+ in total transactions in a year as income via Form 1099-K for 2022 taxes, **unles

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Frugal Living Recommendations

Insurance Recommendations

Is pet insurance worth it?

I am thinking of adopting an adult dog soon and I am considering purchasing pet insurance. Does anyone use pet insurance and is it worth it and/or necessary for a young adult dog?

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Home insurance

Home insurance, also commonly called homeowner's insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence.

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Pet insurance, worth it or not? And which one?

Just wondering if anyone can share their experience with pet insurance for their dog, and which one you recommend

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Life insurance

Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person (often the policyholder).

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ELI5 how does life insurance make sense, like how does $40/month for 10 years get you 500,000 life insurance?

I'm probably just stupid 😭

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Insurance

Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury.

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Car insurance recommendations? Rates increasing massively.

Hi all - coming up on a renewal for my car insurance and Geico is quoting me a 50% increase in my 6-month premium with no changes to my driving record (23, no tickets/accidents). I read through the thread from a month or so ago and lots of folks talked about switching between Geico and Progressive w

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Insurance policy

In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay.

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Just quit my job at a massive auto insurance company. Here's what I wish EVERYONE knew about car insurance.

I was a supervisor at one of the largest insurance companies in the US for over a year, and I had the pleasure (/s) of talking to many different people. It became apparent very early on that most people don't know anything about car insurance. Here are some of the things every single one of you shou

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Vehicle insurance

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles.

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Personal Debt Recommendations

CMV: ppl calling for the president to cancel student dept and claiming that it is easy as signing with a pen are misguided and plain wrong.

right now i see a lot of people calling on president Biden to cancel student debt. news channels, senators, students etc etc are all calling for it asking the president to sign an executive order cancelling all student dept. well it is not as easy as ppl say. currently, according to the student lo

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Debt - More Than Financial Weight

A quick comment because I was pretty surprised by this. It's totally possible that this was widely understood and I'm late to the party, but I was taken aback: According to the [Wikipedia article on Admission to the bar](https://en.wikipedia.org/wiki/Admission_to_the_bar_in_the_United_States#cite_n

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An Analysis of "The Everything Short"

In this post I am going to expand on the DD done by u/atobitt regarding the US Treasury and their issuance of Notes, Bills, and Bonds (yes there is a difference). Also, credit to u/MediaCorrectness for showing me how to add pictures within the text. Let’s start off with the basics because the wh

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Upstart feels scummy

Does anybody else get bad vibes that the gang does Upstart ads? I know they don't choose their own sponsors personally and that it comes from above, but personal loan companies, as opposed to getting a personal loan from a bank, are generally pretty predatory, and for a channel (and network of chann

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[Self] Is it really that much?

I was wondering if the richest person of the USA could pay of the debt (28.430.000.000.000 dollars) (source:https://datalab.usaspending.gov/americas-finance-guide/debt/#:~:text=By%20the%20end%20of%202021,%2428.43%20trillion%20in%20federal%20debt.) of the USA. The answer is no, but even the 10 riches

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Personal Investing Recommendations

GME - DD - Price target - MY PERSONAL PRICE TARGET

Gamestop has been shorted into the ground. We know this, and here is some DD I have put together with sources. # I AM NOT A FINANCIAL ADVISOR. THIS IS NOT FINANCIAL ADVICE. PLEASE DO NOT SUE ME IF PEOPLE MAKE OR LOSE MONEY. Most of these numbers are estimates and are not exact, but this is hopeful

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KYS: Share Market Investment Strategies Ideas In Nepali

Check it out here [https://youtu.be/GXmEobB9chk](https://youtu.be/GXmEobB9chk) [\#KYS](https://www.youtube.com/hashtag/kys) [\#knowyourself](https://www.youtube.com/hashtag/knowyourself) [\#sharegyan](https://www.youtube.com/hashtag/sharegyan) [\#mrexplorer](https://www.youtube.com/hashtag/mrexplo

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DUCA Grow Canada GIC. Good deal?

Hello PFC, This seems not to violate the rules per my reading but do delete (with my apologies) if it does. I stumbled on Duca's [Grow Canada GIC](https://www.duca.com/assets/pdf/Personal/Save%20and%20Invest/Grow%20Canada%20MLGIC%20Information%20Sheet%20-%20No%20Minimum.pdf) (link, PDF) which p

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ETF or Mutual Fund for long-term investing

Let’s say I have $25k to invest in a standard index fund. I’m looking at either VTI or VTSAX. According to [this post](https://www.timevaluemillionaire.com/vtsax-vs-vti/#:~:text=VTSAX%20vs%20VTI%3A%20Two%20Different,with%20a%20particular%20investing%20strategy.) there is essentially no difference be

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Pixel 5: Last update Oct 2023

https://www.howtogeek.com/142390/is-the-google-pixel-5-still-worth-buying/#:~:text=Unfortunately%2C%20the%20Pixel%205%20will,the%20best%20long%2Dterm%20investment. Just read an article that the last update for the Pixel 5 is October 2023. This has never bothered me but the author recommends replaci

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