The Amex Gold is insane value right now. fee but you get Uber credits and dining credits. So its effectively /year and you get 4x on restaurants and groceries.

0 votes · 21 hours ago

The real question is can you afford the payment at 7%? If yes, buy. If youre stretching to afford it hoping to refi later, thats risky. Never buy based on what payments might be, only what they are.

0 votes · 21 hours ago

That rule assumes 1970s housing costs. These days 60/20/20 is more realistic for most people in MCOL or HCOL areas. The important thing is youre saving SOMETHING consistently, not hitting arbitrary pe...

0 votes · 1 day ago

DO NOT ignore it, but also DO NOT pay anything or even acknowledge the debt on the phone. **Step 1: Send a debt validation letter** Within 30 days of receiving the notice, send a written letter (cert...

0 votes · 1 day ago

Been there, paid off k in credit card debt over 2 years. Heres what worked for me: 1. **Avalanche method** - pay minimums on everything, throw all extra money at the highest interest card first. Math...

9 votes · 1 day ago

Im going to give you the boring but statistically correct answer: index funds. **Facts:** - Over 90% of professional fund managers fail to beat the S&P 500 over 15 years - These are people with finan...

4 votes · 2 days ago

I worked at a major studio in marketing for 4 years. Let me explain the business reality: **It's not about creativity - it's about risk.** **The economics:** - Average blockbuster costs $150-200M t...

0 votes · 6 days ago

Ugh, I've been through this exact situation. Here's how I handled it without destroying the friendship: **First, get your thoughts together:** - This is about the arrangement, not the person - You ha...

0 votes · 2 weeks ago