Well if they like red, there's always Vanguard. I do like Schwabs UI better but you really can't go wrong with those three.

My reasoning: Employer simple ira is through schwab amd I like having one account for everything. So my Roth, HSA, and individual brokerage are all through schwab. I have had a brokerage account through Vanguard as well.

This post has been removed because we don't allow career guidance, career path, and job choice questions (rule 9). Other subreddits are better equipped to address this topic:

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So for more context... Uncle is multi multi millionaire. Just very cheap. He wants to live here until he dies. My family lives in this house right now. We are ok to move and let him live here. However, I will be re-inheriting this house upon his death (my brother and I are his heirs). So I am wondering if there is an argument if he cuts us out entirely. House is on family land since 1800's. 12 acres. I would like to settle in this house eventually. His health is not well and I would imagine with that in consideration and his age, he will pass in within 10 years.

My husband and I did the same for our first home. Loan is in my name.. Deed was in both our names so we both owned. We never refinance but when we bought second home 3 years later we both were able to be on loan and deed.

Oh that’s great - what a relief!

It’s not just for the maternity leave that you need the cash for. Sometimes things happen like an extended stay in nicu ir other special circumstances. It’s worth stashing up the cash. You just don’t know. Not just bed rest, sometimes we have kids who need more than the typical baby and require things like medically necessary formula. Sometimes we have kids born that need much more than just special formula. I hope everything goes really well for you and the baby. It won’t hurt to save more cash in case there are complications that you didn’t expect.

Enough to find out that I would not be approved anywhere else for anything else, it's America's cheapest new car. An the fact that I did no research and listened to the nearest 40 y/o meth addict....my judgment on thus sucked.

You’re fundamentally wrong insurers are not required to guarantee coverage. Drivers are required to have coverage not the other way around. The insurance company has done nothing to stop the effected third party from collecting. The third party would file shit against the at fault driver. You as the driver is responsible to have the appropriate insurance. Not understanding this is such a cop out for any responsibility is mind blowing to me. Nothing is anyone’s fault right? Only person to blame the insurance company as usual. As I said earlier plenty of things wrong with insurance but you’re barking up the wrong tree. You have a very poor understanding of the law if you believe the insurance company is the one to “guarantee” coverage. You can actually check case studies on this it has been checked and checked again in the courts and you’re wrong every time

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This can be good advice. My Dad just got a dodge dart with just over 100,000 miles the other day for I think $1400. Front bumper cover is junk. He got a minivan for about $900 before that. He put $1000 into it and its really nice. I know a guy that got something not quite as nice at a dealership for $7000.

Do you like green or blue?

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Thank you thank you!!

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Get a realtor's market analysis to determine what this house will sell for. Get 3 of those and take the average.

Uncle's opinion is useless.

The will was poorly set-up.... family feud to be expected.

Depending on the model, the cheapest ones come at about 10k, from around 2004-2008. You would be getting a quite old car for the price of a new Smart, which you would have to pay an insane amount of insurance on, and still have a subpar experience. Also consider a car needs maintenance, which might be the biggest hitter in this case. There’s still the matter of earning that kind of money. I’m not sure what your expectations are, but forget about earning $24/hr if you’re not either really lucky or already rich to start with. Why do you think so many adults still live with minimum wage jobs?

>Where is all his money going! Making nearly $90K a year and can't save anything over a few grand?

Yikes, for real tho! Should have had an emergency fund or some kind of budgeting.

In reality the cars are worth like 14k if not cheaper.

It's going to be the ones u buy at like Facebook marketplace. Used.

You’re still out what, 30-35k? Reality mate.

Do you still get paper bank statements mailed, OP?

Why would you buy a new car in September with plans to enlist? This is not logical. Adjust your thinking going forward so that you can get ahead in life.

It's not just me who's buying it, my dad is pitching in 5k

Ok at the moment I have no money. waiting on my first pay check in a month 1/2 I started the job 1 week a go I am in West Yorkshire The yearly salary is £25000 My rent is £1100 a month My repayments for car £189 monthly Power & gas £135 monthly Internet, mobile and TV £109 monthly Council tax £132 monthly The mechanic bill £2900 Tv tax £13 monthly School stuff for the kids £200 month That’s about it But like I said I have had 4 weeks of no income at all And I have had to drop my income by 10000 so I can get a job close by

As others state, find the fees. And then realize one or two percent may not seem like a lot...but that's actually a fee that directly impacts what you are actually gaining. If you have a 2% fee, and the fund goes up 6%... you've paid 30% of your gain in fees.

These of course are not real numbers, just used for a basic example.

With long term investing of course, that ratio becomes catastrophic.

This is where the minute or zero fees of common index funds really shine.

Also these past few years have been pretty wild with the massive gains since 2016 and then the relative drop these past couple years.

But yea, it's all about the fees.

Something you might not have considered yet is, what happens if in a few years she remarries and her new husband who will now be paying 1/2 the mortgage wants his name on the deed/mortgage? It seems to me that the whole system is set up for a clean break.