The only reason to keep a big bank is cash deposits. If you never deposit cash, online banks are better in every way. Higher rates, no fees, better apps usually.

0 votes · 1 day ago

Ran the numbers both ways last year just to check. Joint saved us ,200. Unless theres a specific reason (student loans, one spouse has tax problems), joint wins.

0 votes · 1 day ago

Also timing matters. Ask after a big win or successful project, during budget planning season if you know when that is, or at your annual review. Dont ask right after layoffs or bad earnings.

0 votes · 1 day ago

Bought at 7.25% in 2023 when everyone said wait. House has appreciated 12% since then. If I waited for lower rates Id be paying k more for the same house. You cant time the market for real estate.

0 votes · 1 day ago

Okay dont panic. This is fixable. Do these things TODAY: **Immediate steps (in order):** 1. **Freeze your credit at all 3 bureaus** - Equifax, Experian, TransUnion. This prevents any new accounts. I...

0 votes · 1 day ago

Welcome to self-employment taxes! The good news is you can deduct a lot. The bad news is you owe self-employment tax (15.3%) on top of income tax. **Legit deductions for delivery drivers:** - **Milea...

3 votes · 2 days ago

Cloud architect here, certified in all three. Let me give you the practical answer. **Short answer: Learn AWS first.** **Here's why:** **Market share (2024):** - AWS: ~32% - Azure: ~23% - GCP: ~10%...

0 votes · 3 days ago

Senior DevOps engineer here. Great question, and honestly Kubernetes is over-adopted by many companies. **When you DON'T need Kubernetes:** - Less than 10-15 services - Small team (under 5-10 devs) ...

0 votes · 6 days ago

Great question - this confused me too when I was learning. Let me explain with actual examples: **The main problems with var:** **1. Function scope vs block scope** ```javascript // With var - this ...

0 votes · Jan 15, 2026