Yeah. Again, if I was your uncle or whatever I wouldn’t necessarily go to the cops if there was a cartel or something involved. But you’d get the mother of all lectures about straightening out your life and staying away from dirtbags.

Or a tenancy in common contract. But if you’re going to draft up a will for this then why not just get a marriage certificate instead?

Not sure about Schwab. Vanguard is ok. Good for auto investing in their mutual funds. Not much else. Fidelity is great. One stop shop they do it all

Get a JOB! If you work fast food making 10 dollars an hour, you work 80 hours you got 800 dollars.

I have a job, but I get paid bi-weekly, only reason I have this $290 is because I got paid today. & The pay period is weird, I only got paid for one week of work this time.

I need the money by Monday. I don’t know if the dude will give us another week.

Investments and debts both grow. If your debts grow faster than investments, pay them quickly. If investments grow faster than debt, pay the debt slowly.

Dude you need a job.

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My guess is you're mistaken about where this appraisal came from.

An appraisal done by the seller would not end up in your lender's hands.

Even though you waived appraisal, your lender would still require one. They're the ones buying the house, they're not going to skip checking out the house just because you made an offer that wasn't contingent on a check of the property.

Yeah I fucking hate the guy now but we’re in the shit together at this point, I don’t see the point in cutting ties until we both figure this shit out.

I’ll search now, thank you.

Your friend isn’t really your friend if he did that

Alright thank you, I’ll look into it right now.

I hear that works great for penny stocks.

Look into reselling or flipping where you buy something and flip it for a profit on sites like facebook market place or ebay. There's plenty of content on Youtube covering the topic.

Basically, a friend of mine in a gang ended up hiding his half pound of weed in my book-bag one late night when we were all driving around looking for something to get into. We ended up getting cross faded that night & I can’t really explain to you how the fuck it happened but I lost the fucking bookbag. Now he’s freaking the fuck out & the dude that fronted him the pack is threatening to kill us both if we don’t bring him $750 by Monday.

I’m too scared to tell anybody cause these dudes are serious & kind of notorious in the city for being ruthless, I live in Birmingham Alabama for reference.

You need to seek help from local welfare agencies. If you have a specific need (2k to get your car fixed to work) local benevolences can help there too.

Well not really. You are concerned about the 'overhead' on your principal. For the retirement distribution, that's the taxes. For a mortgage, that's the interest payments.

The principal matters as well, but you are going to pay that in either scenario, and ultimately you would be taking money from the IRA in any event.

>It doesn't really work like that. If people could reliably flip money into more money in a week, nobody would work.

Let me introduce you to the world of "resellers" where people spend money for things, usually used, and resell them for profit :P

It’s cool, I guess I’ll just explain the situation.

Basically, a friend of mine in a gang ended up hiding his half pound of weed in my book-bag one late night when we were all driving around looking for something to get into. We ended up getting cross faded that night & I can’t really explain to you how the fuck it happened but I lost the fucking bookbag. Now he’s freaking the fuck out & the dude that fronted him the pack is threatening to kill us both if we don’t bring him $750 by Monday.

I’m too scared to tell anybody cause these dudes are serious & kind of notorious in the city for being ruthless, I live in Birmingham Alabama for reference.

If I remember correctly is 90% underperform the index which is insane. Unless OP found that 10% they should move to index imo

Can you find a used power washer on Craigslist?

TL;DR - If it's for an IRA, Fidelity, Schwab, and Vanguard are all great. If it's for a taxable account, they're still all great, but there are some important differences.

As others have said, consider Vanguard as well. Honestly, all three of them are solid and for a pure individual investment account, I can't really say which is best because they're all great. Some things that might push you toward one over the others:

• if it's for a taxable brokerage account - Vanguard mutual funds can be converted to ETFs without a taxable event
• Schwab's debit card is great (no foreign transaction fees, no ATM withdrawal fees worldwide)
• Fidelity's debit card is great (largely same as Schwab, but has a 1% foreign transaction fee)
• Fidelity has a 2% cash back credit card and a rewards debit card (Bloom; no international ATM fee rebate and higher foreign transaction fee; can have both Bloom and Fidelity debit cards)

If it's just for an IRA, none of the above matters and it all comes down to fund selection, and both are very good. If you're going to buy ETFs, it matters even less.

Wouldn’t we need to quantify 7 years of mortgage payments and compare it against this tax?

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