For recurring investments, I'm evaluating whether CDs or ETFs (Vanguard or similar) make more sense. I plan to invest on a weekly or monthly basis and prefer not to pick individual stocks. With CD rates currently around 4.5% and trending downward, I'm looking for tax-efficient, long-term, moderately aggressive investment options that carry some risk and have the potential to deliver approximately 6–7% annual returns. What are some options out there and how should I go about it?

I just sold my house and now want to pay off the mortgage on the house I purchased 2 months ago. I think it is just a matter of going online and getting the payoff amount then since my checking account is with Chase just do an electronic payment of 500K ? Anyone pay off a loan from name bank as checking account?
Do I need to do a wire transfer from Chase to Chase, or even dumber go to the bank and get a cashiers check for 500K then turn around and hand it to them to pay off my loan?

Can anyone share advice on how I should invest $125k where I will get good returns, yet have my initial investment be safe, or mostly safe? I could tie up the money for a year without any concerns.

Thanks in advance - Jason

Hello, Looking for a budgeting app. in the past I like Mint, until Credit Karma bought it and it's all messy. I liked the comprehensive view Mont provided with all credit cards, bank accounts , 401k etc. it was easier to see transactions. does anyone have a recommendation for a similar app.Appreciate your inputs and recommendations from your experience. Thanks in advance.

Based on the latest CPI number, the next semi-annual rate will be about 3.33%. The current fixed rate component is 0.90%.

Which means that if I buy I-Bond this month, I will get 6 months at 4.03% (current rate) and 4.25% for the 6 months after for an annual APR of ~4.15%. If I sell after 13 months + 2 days, it will have a APR of roughly 3.80%. Current 1 year Treasury is 3.62%.

What do you guys think? Worth it?

If someone sends you a 1099 Misc, and it is not correct, how can it be disputed with the IRS?
I tried to reach out to the company that issued it, but it falls on deaf ears.

All of my ancestors have saved silver and gold for almost 175 years. Its entirely made up of very early 20th century, 19th and 18th century pieces. Whats the best way of liquidating it all. I am the last heir and I have no one to leave all this stuff too that wants it or needs it.
I was thinking of taking it to a smelter and see how much they would charge to smelt it down into bars. Just to give you an idea, I have one old potato bag with 65lbs of random sterling silver forks and spoons.

I received my 1099-B and I want to cry!

Each month IAU liquidates some of the gold to pay for its expenses (0.25%). Each of the sale is listed as a transaction.

Brokerage reported all of them without cost basis.

Here is a calculator to help figure out the cost basis EACH MONTH.

https://costbasistools.com/gold/iau.php

You enter your purchase date, number of shares and cost. It will generate a table. The monthly proceed should match.

Because assets were sold, I have to adjust my original cost basis as well.

Hey all,

I currently have a HELOC with Huntington National, I was looking into my credit union and they're offering an introductory rate of 5.99 for 12 months for a HELOC. I was wondering if it's worth me refinancing my current HELOC to help pay down the amount owed.

Any thoughts on HELOC refinancing?

Current financial situation:

45 yo old, unemployed. living w/ parents and receiving financial help. I don't have any retirement savings
cash ready to invest: $40K
can invest further $400 - $600 each month after expenses.

From what I understand, I'm not eligible for any IRA's since I don't have any taxable income. The help I get falls under 'gifts' and is much less than the $18,000/yr threshold that must be reported to the IRS.

The only option I see is to open a brokerage account and put all my money in an index fund like the S&P 500. This is for my retirement so I don't intend to touch the money for at least 20 years.

I noticed over the last 3 months that my Lowes Amex card is not getting any offers. I just got off the phone with CSR who stated Lowes is transitioning to another vendor in April.

Not sure why Amex is not communicating this to its customers, versus having to call and ask what is going on. Now I need to find another free Amex card .

Just got an AMEX card a few months ago, and now have 75K points with the sign up promo. I was thinking about getting some gift cards with the points and sell the gift cards, but heard some people mentioning Rewards2Cash.com.

I never heard of the website before and their payout rate for points seems to be really good, have anyone used them before?

If you don't understand, I don't have time to convince you.

This stock has and will outperform until it is the largest market cap company on earth.

Symbol is MSTR. Obviously, I'm long. Feel free to short.

First though, start at minute 16 of the earnings call and bring your popcorn. Watching this, you get the vibes of the original 1984 Apple Commercial - and it's an earnings call!

https://www.youtube.com/live/TasvNr1gBGs?si=GrVQkKJjdsVTe8y7

Great community on Twitter. 11,000±
https://twitter.com/i/communities/1761182781692850326

I purchased a consulting package from a vender in Canada for $388. I thought that with the currency in US dollars in my favor it would be discounted. It was not. I called PP and spent over an hour with one numskull after another. A manager said it is up to the vender on the conversion. Does anyone know if that Is true?

Hi guys, need some help here.

I have (2) debts :

(1) Apple Card 11,000 USD
(2) Amazon Credit Card 4,000 USD.

Both have more than +20% APR I want to "unify" both debts with another bank / intitution with a lower APR.

I have a good Credit Score. Can you recommend me where and how to do it?

Or any "Balance transfer credit" Promo.

Thank you!

Looking to refinance my daughter's car to come off as owner. Car age is making this difficult but it only has 87k miles. Caribou will refinance for me but not her. She is 23 and has limited history. Credit Unions won't touch it either. Any advice appreciated!

President Donald Trump signed an executive order ending the de minimis trade loophole for low-value packages shipped from all countries.
The order takes effect Aug. 29.
The move comes after Trump in May suspended the provision for shipments from China and Hong Kong, where a significant share of de minimis packages originate

CNBC

Hello, I am planning on taking a 2nd job and I am wondering if working on W2 or 1099 or corp to corp LLC is better and why? Reading up about this online and there are all kinds supporting all 3 are better depending on the site 😊

Also can I work on 1099 without an LLC? What are the benefits of 1099 Vs LLC?

My current Visa card is very aggravating for travel, US or Europe. For example, purchased online an airline ticket and rental car for travel to Chicago. Get to Chicago, try to charge $20 on my ventra card account, and it is refused. This happens all the time. Recently went to the UK, got off the plane, tried to purchase a tube ticket at the machine and got refused. Tried to fund my new giffgaff sim card online, refused. That's after telling the card issuer of our travel plans. (AAA Visa issued by Comenity / Bread Financial). Went across to Paris, could not buy Louvre ticket online. Etc. My current card is trash. I do have a Delta Amex card and that works well but in Europe there are places that do not accept Amex.

Hi, say for example i bought a stock at 1000 a share. i sell it at $600 so I have a $400 loss.


i bought an ETF for 300 and it appreciated to 800, i sell it for a gain of +500S.


come tax season, I report capital gains of $500, subject to taxes.

Can I reduce the $500 by $400 (the loss) from the stock situation and report $100 of gains instead of $500?


I ask because stuff like dividend and interest income cannot be reduced by stock losses...

do stock losses only get applied to stocks, and etf gains can only be offset with etf losses?

I've used Quicken Premier for more than 20 years. It's getting to be too expensive and buggy. In the meantime, their reconciliation feature is a joke. (Who has time to compare each paper transaction and quicken transaction?)

Are there people like me who migrated out of Quicken into something else? I like to know your experiences and recommendation. I use quicken mainly to download transactions and to find out my investment performance.

I just opened up a new Huntington Money Market account because they were offereing 4.33% interest. I transferred a decent amount into it from another bank. When I logged in this morning to see if it posted, a screen popped up with some questions that I have never been asked before by any bank.

It states "The government requires us to get a sense of how you will use your account. This is for information only. Your answers and estimates won't change the type of account you've opened or set new limits on your account."

With CD and T-bills rates dropping, what are you all doing for alternative investments?

Thought I would ask here,

I am looking for a refillable credit or charge card for a family member. The type that you can't over draft on ( take out more then you have credited on the card ) so they won't have a bill payment on it since they have really bad credit and can't seem to mange their personal expenses. We would recharge the card for them, but if they lost card we would like to be able to replace it without losing the positive balance of course. We like to have a no fee card, but if that's not possible the next best thing and of course be able to deposit funds into the card.

Anyone know of any deals (no origination fees, intro rates, etc.) on HELOC loans?

Or best rates?

Thanks!