I’m looking to get out of an expensive car loan that I have negative equity for, I need $16,000. I know it’s a lot, I rolled over previous car loan onto another one, now I’m just trying to get out of it. When I did a discover soft pull to see what I would get it gave me an Apr of 19%?? Is this what’s normal? No way I’m taking that but am I really just doomed to paying off the full amount of the car loan now?

Company Name	Title	City
Christiansen Motors Inc.	Automotve Technician	Audubon
Community Health	Medical Receptionist	Clinton
Community Health	Surgery Scheduler	Clinton
The Home Depot	Retail Clerk	Ankeny
Land O'Lakes	Production Team Leader	Forest City
°Nomad Health	Ultrasound Technologist	Mason City
Land O'Lakes	Production Team Leader	Osage
Christus Health	Lead LVN, Licensed Vocational Nurse Lead - Pediatric	Storm Lake
The Home Depot	Sales Agent	Waterloo
Availa Bank	Cash Management Technician	Ankeny
Availa Bank	Cash Management Associate	Ankeny
Acuity International	Medical Technologist - MSSI	Bettendorf
Acuity International	Medical Technologist - MSSI	Cedar Rapids
System Transport	CDL A Driver	Davenport
System Transport	Class A Driver	Dubuque
System Transport	CDL A Driver	Dubuque
System Transport	Class A Driver	Fort Dodge
System Transport	CDL A Driver	Fort Dodge
System Transport	Class A Driver	Iowa City
System Transport	CDL A Driver	Iowa City
System Transport	CDL A Driver	Lamoni
System Transport	Class A Driver	Lamoni
System Transport	Class A Driver	Mason City
System Transport	CDL A Driver	Mason City
System Transport	Class A Driver	Sperry

Hey guys, here are some recent job openings in ia. Feel free to comment here or send me a private message if you have any questions, I'm at the community's disposal! If you encounter any problems with any of these job openings please let me know that I will modify the table accordingly. Thanks!

Hey guys so soon to be fiancé and I are considering purchasing a home in an area where we believe will continue to appreciate and is a HCOL area but low prop tax (.3%, yes less than 1%) Hawaii and we can file where income tax would be less than average. We have a HHI of roughly $170k-220k depending on commissions/bonus's that fluctuate yearly, no kids yet (plan on 1-2 within next 5 years). All in all we're considering a home in the $600k-800k range in an area we believe we'd stay in for a minimum 10 years if not forever (based on several visits/extended stays there).
Current numbers:
24 y/o both of us, remote work in a very stable profession not coding/tech.
Brokerage: 60k
401k/Roth IRA: 55k
Cash: 30k
CD's: 15k
Home equity residence 1 rental: $140k with $277k left and renting currently covers 100% cost
Cars: 15k left on 1 vehicle other paid off
Solar Loan: $60k that tenants are paying off
No student debt/credit card debt/other debt
Given the numbers above, we're considering either not touching current brokerage/cash and buying in 4-5 years or we could cash out the brokerage (NOT RETIREMENT ACC's) that is currently unrealized loss of $9k and purchase that home within the next 1-2 years. Would not plan on touching the equity in home #1 because we want to keep as a cash flowing rental that will appreciate given the area (growing city in TX). Currently living rent free with family (culturally this is normal for our families). So based on these numbers do you guys think it'd be a mistake to sell that brokerage and get into an area we believe will appreciate/stay or because our time horizon is still very far out we should just hold and wait?

I've recently seen someone asking about this from an adolescent perspective and it made me think about my recent encounter with this and my experience growing up and wondering the same thing about my aunts and uncles not doing anything or talking to me. I've also been thinking of writing about my overall experience, how it affected my life, and my present relationship to family, but I was considering making it into an audio or video post (without explicit personal details) because I've never felt enough touch of humanity from visiting through the years and reading or commenting, and I want to really explore the range of issues it ultimately became understood to affect through the years. Let me know what you think of that idea and why if you want to.
My nephews and niece are in very abusive environments, from what I hear from the abusive parents talking about themselves openly and about an ex-wife, and from what I've seen first-hand. One nephew, I never met. His antagonism by my sister and sense of betrayal by his father was so strong that he refused to visit by the time I happened to stay with my sister. I only got to interact with one newphew and niece. I went no contact with my sister for about a decade in my twenties and after she finally reached out to me, she began sharing questionable accounts of her life, her new husband's ex-wife, and odd comments prescribing ADHD or autism interchangeably and belligerently with a tone of dismissal and sometimes walking back that there was a legitimate diagnosis. That especially concerned me because I was diagnosed with ADHD as an adult, and it's difficult to get adequate care because people have agendas and motives surrounding it, but she was bizarrely conflating it with autism as though looking for excuses to contextually find fault with her step-children.
Her timing was very strange to show up in my life after a decade of not bothering, even after I allowed our abusive parents to communicate with me. The last time we talked, she was married to a different guy who was abusive and narcissistic, and when I sought help from her with a former girlfriend, I woke up in the middle of the night to my girlfriend sobbing saying her husband had bullied her to tears. I grabbed all our possessions and put them in our car and before leaving confronted my sister about what I was told. The look of duplicitous intent and effort to manage her account of what happened said everything, and she avoided stating anything, instead trying to validate her husband's behavior, and by extension, herself. I told her I never wanted to talk to her again, and made good on it.
Within the year, I began noticing strange behavior with my computer and kept suspecting my devices were hacked but dismissed my concerns as I couldn't find anything I understood to prove it. She began insisting that I visit my parents for the upcoming summer, and then my parents kept insisting. Then she kept insisting I should move to live with her for no reason. I'm in my thirties. I haven't spoke to her since she offended me, we didn't resolve why I stopped, and she knows nothing of my life. Why should I? But she kept insisting I should at least visit the family. It would be an opportunity to finally meet my nephew. I gave in.
When I returned from less than a week visiting, I found my entrance security camera disabled. Nothing wrong with my other camera. When I played back the continuous recording on the SD card, it stopped working within minutes of me stepping out of my apartment to catch my departing flight out of town. I got a feeling something was going on, but couldn't make sense what could be. The whole trip was strange. My father started suggesting I should move in with them, to work on my life. He knew nothing of my life and the last thing I'd ever do is move in with them. I ignore 99% of anything they send me, ignore their calls, and eventually respond after several months. It's pretty clear I don't enjoy them or prioritize them in my sense of meaning in life. They too never took responsibility for why I went no-contact, and they stalked me for years.
Several months later, my computer were obviously hacked. I had to ask them for financial help, laid off since lockdown. For months, I ate minimally and worked constantly trying to fix things but somehow everything kept infecting. Then, I found that neighbors around me were involved in the hacking. I would learn they were ex-convicts and associated with the apartment, and the family who owned the building I leased were connected to the Sheriff's Office and FBI. A whole team of people suddenly emerged very openly surrounding me, preventing me from interacting with pedestrians or contacting police with their knowledge. There are a lot of fucked up things that developed, but ultimately I was displaced to my parents and my sister, who then made it fairly clear they were involved in this somehow. They blocked every effort to get help, made no calls to report the crime, reported me as having a mental crisis when I began realizing this and questioned them, and then once with them, eavesdropped on my phone calls and followed in their car when I attempted to leave.
I was frightened and outraged of what was going on. I lost all my possessions, was being denied all my rights, and now my abusive family was demonstrating they were involved and denying it, while also spending surplus money. This is when I ended up staying with my sister and witnessing what was going on in her home.
I was careful, passive about everything. I'd been abused by narcissists, but I was also being virtually held hostage and unable to act freely. My nephew was treated like a clown. Told to shut up, that he wasn't funny, mocked, berated, ignored. My niece was pointed out as not being "real" family, criticized for being filthy, ignored, physically abused, treated like a prisoner where they'd photograph her underwear in the mornings, catalogue her for pre-emptive defenses since they'd already been taken to court by her mother for abuse, and she hardly ate and was kept subdued by meds. My sister worked to make life hard on her husband's ex-wife, and it became clear she tried to manipulate situations to make them seem like "troubled kids" to defame their credibility. The nephew I never met was now having violent outbursts at school and she celebrated this, knowing she did everything in her power to make his life miserable. This new brother-in-law was pathetic. A covert narcissist. Everything was everyone elses fault. He represents himself as a woke white male, but literally acts as a henchman in reality, ignoring his daughter, and got fired for talking down a woman about being black.
I showed my niece and newphew they were funny. I talked to them. Even though I was stressed and felt threatened in my situation, I made a point to play video games, to ask them about what they wanted to share. They lit up. They changed immediately. They became willing to make bargains with their parents unfortunately, because they wanted to hang out with the new nice uncle when they thought they were alone in their lot.
I talked about my experience with my parents, but they haven't come to terms with their abuse. They're young and in conflict with the limited premise of their lives their parents hold them hostage to, but sometimes, and often, they're trapped in being abused the next day, and I come around, and they try to share they were having a funny little thought that it wasn't really nice or fair. God I felt miserable not being able to give them much of my time at all and understanding how much they wanted it.
Finally, something was going on. I learned about informants making money by setting people up. It seemed possible my family in some way worked out some deal and profited off of setting me up somehow, or arranging to obstruct me from pursuing the family that destroyed my life for their own profit and probably fear of liability should any investigation take place and reveal call logs and any communications. Much less, the perverse violations of privacy it signified, and they were all intersecting with the government, military, and law enforcement. When I mentioned I learned of informants and that I was feeling ready to start reaching out, my sister and her husband began hiding away, being quiet, not letting their kids come around me. My sister was making excuses not to provide me with cheap items to help me secure private communications with law enforcement or journalists.
Anticipating something happening, I pulled my nephew aside and told him I saw what was happening in life and how he was being treated and not to fool himself that this is normal. It is in fact very strange and unfair, and it's not nice to be told to shut up or told they're not funny. That I thought he was thoughtful and funny and smart, and the world is filled with people who don't think anything happening here is normal, they're just being kept out. His facade of trying to be the son he was being demanded to be melted away. His eyes watered up and he began admitting he didn't understand why he was treated the way he was.
The next day, my sister arrived with police without warning and told them she felt threatened by me and had me evicted into the street. No idea where I was, no possessions, no phone, no money, knowing no phone numbers, except my abusive parents. Her neighbor allowed me to use her phone and she called the police on her neighbor claiming I was a threat. Now I'm with my stalking parents.
I haven't reported the abuse yet, even knowing she was trying to get custody of my niece in order to control her, to put her on meds and effectively lobotomize and imprison her. The reality is, narcissists are dangerou maladjusted people. I should have never allowed them into my life at all. I've paid dearly, and I can't help anyone around me because I'm a hostage for one year so far. I can't contact police without interference, I've been thwarted from taking timely action, and I try to hide everything and move slowly in my actions. As I've said, the world runs on procedures. Every injustice and abuse and contradiction you've ever heard of in our society, is made on procedure. Narcissists working together in the world can destroy you. You have to procedurally bash them into the ground or they'll hurt you and others.
For now, I'm walking on eggshells. I have no money, my bank accounts were shut down, my address isn't changed, my identification is expired, my credit cards are closed, no one knows where I am as far as I know, I have no car. I've had my adult life ripped out from me and transplanted back to my childhood with my parents watching everything I do, not allowing me to act independently, pretending they did nothing.
I will try when I can. For now, they have to suffer like I did.

Hey guys so soon to be fiancé and I are considering purchasing a home in an area where we believe will continue to appreciate and is a HCOL area but low prop tax (.3%, yes less than 1%) and we can file where income tax would be less than average. We have a HHI of roughly $170k-220k depending on commissions/bonus's that fluctuate yearly, no kids yet (plan on 1-2 within next 5 years). All in all we're considering a home in the $600k-800k range in an area we believe we'd stay in for a minimum 10 years if not forever (based on several visits/extended stays there).
Current numbers:
24 y/o both of us, remote work in a very stable profession not coding/tech.
Brokerage: 60k
401k/Roth IRA: 55k
Cash: 30k
CD's: 15k
Home equity residence 1 rental: $140k with $277k left and renting currently covers 100% cost
Cars: 15k left on 1 vehicle other paid off
Solar Loan: $60k that tenants are paying off
No student debt/credit card debt/other debt
Given the numbers above, we're considering either not touching current brokerage/cash and buying in 4-5 years or we could cash out the brokerage (NOT RETIREMENT ACC's) that is currently unrealized loss of $9k and purchase that home within the next 1-2 years. Would not plan on touching the equity in home #1 because we want to keep as a cash flowing rental that will appreciate given the area. Currently living rent free with family (culturally this is normal for our families). So based on these numbers do you guys think it'd be a mistake to sell that brokerage and get into an area we believe will appreciate/stay or because our time horizon is still very far out we should just hold and wait?

Context: my partner (M52) and I (W48) have been living in my home for 11years. He pays me 600$ rent monthly and does pay for some groceries but does not pay any bills, property taxes or mortgage separately. Our salaries are almost equal. We agree we need more space as we are very active and would like a single family home (currently we are in a townhouse). I found a house, just a one story bungalow, in the location we want and now he is telling me that he won’t pay half and that’s it unreasonable for me to expect him to. Oh and to add his 20yr old son lives here as well. Great kid who also needs his space as he has some mental health issues. I was raised that everything should be equal. I would like to live in our home, not just in my home where when anything breaks, need repair or replacement, that it’s 100% on me to do. I understand that I’ve made equity in this house and essentially by moving I’ll have no mortgage and have extra money to put aside, but I worked hard for everything I have.

• Equity markets are likely to decline sharply within 60 days, said market guru Larry McDonald.
• That's because, as credit risk is rising, investors continue to focus on markets fads like AI.
• The credit crisis is strong enough to "veto" the Federal Reserve's inflation policy.
  The stock market is likely to decline sharply within the next two months, Larry McDonald of "The Bear Traps Report" said.
  

That's as investors continue focusing on market fads like artificial intelligence and neglect the losses that banks are sitting on since the Federal Reserve's rate hikes slammed prices of debt.
"Those are massive losses under the surface. Our 21 leading systemic risk indicators are pointing at the highest probability of a crash or a sharp drawdown in the next 60 days. It's the highest probability since Covid," he said on CNBC.
The Nasdaq, which has outperformed the S&P 500 and Dow Jones Industrial Average this year, is ignoring this credit risk, McDonald added.
A similar pattern has played out before, with stock investors failing to assess risks as early as other investors do, he said.
"What happens is, as a shock comes in, credit markets start to price in the risk but equities don't — they focus on things like AI or things like the dot-com revolution in the '90s."
Characterizing today's situation as a "rolling credit crisis" — one that started among regional banks and has moved on to threaten other sectors, such as commercial real estate loans — McDonald said the unrealized losses in the bond portfolios of banks and insurance companies have not gone away, but will continue to reduce lending capabilities.
And while McDonald acknowledged that the central bank's efforts to infuse liquidity into the banking system has helped stem a greater issue, he said that the credit risk is enough to "veto" the Fed's focus on inflation.
Earlier this month, he predicted the Silicon Valley Bank meltdown may cause the Fed to cut rates by 100 basis points by December to prevent contagion in the financial system.
In recent days, others have also warned of a stock market crash. Last week, Jeremy Grantham said the implosion of an "everything bubble" could tank the S&P 500 by up to 50%, and plunge the US economy into a painful recession.
And Macro Mavens founder Stephanie Pomboy said the stock market could plunge 30%, as the current pressure on banks could spread to commercial real estate, corporate credit, municipal bonds, and other markets.
Source: https://markets.businessinsider.com/news/stocks/stocks-crash-mcdonald-credit-risk-market-ai-inflation-lending-recession-2023-3

Is there any Laptop loan available for students in nepal. If there is, which bank gives that loan?

Hi I'm a 17 years old guy, from Brazil. I never have an actual job, just little things I usually do to get some money, but recently I found out that I want to go to Europe and start my live there. Any other place but no here, in America. I look for some places like New Zealand and Portugal, but I don't know how to start it, how much this will cost or the best way to go and stay in other country
My first step was learning another language (I'm not a native english speaker and Im trying to write this all by myself) and I think this is going great. I think I'm going to take my documents after that, when I turn 18, but what's next?
The country I want to go is Portugal, but I was thinking to try the Working Holiday Visit from New Zealand first and then get the money to make my home in Portugal, but how do I build my trip? My bank account? I'm new at this grown up stuff.
Thank you for the attention! :)

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I understand that in my state she is entitled to 50%. All the info I can find uses that example.
So my question is, if I want to buy her equity out of the home, could she receive maybe 75% or 90%? It would be my preference to keep the home over the TSP money for a couple well thought out reasons so I'm not worried about the value of potential interest lost.
I am fully vested as far as I can tell with more than a decade time in. I just can't figure out if through a court ordered RCBO more than 50% is accessible as a bargaining chip.

My husband and I are in our late 20s/early 30s. We own a home and have 18 years left on our mortgage. We each have stable jobs and together make about 200k/year gross (Canadian). Each year we save annually and take it at the end of the year to put towards something larger. This year we acquired 20-30000$. We are trying to decide what to do with it, either put into mortgage or stocks. I know stocks have a better growth profile over 18 years, but if we continue to be able to put 20k into our mortgage annually we will pay it off in 6 years. I think if we do that faster we can focus on stocks with the income we aren't putting towards our house for more years after we are mortgage free and then it will even out. Additionally this is not our forever home, according to comps and realtor estimates we could get ~350k for this house and we'd eventually like a larger home to start a family one day. Homes like this in our area are ~500-550k. Its not like we won't have a mortgage again cause of this, but we can keep our mortgage payments low by having a larger down payment or equity into our next home. Obviously i'm team pay off mortgage faster, then focus on stocks/investments after with our second home. My husband is team stocks. Feedback and thoughts are appreciated

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[REQ] (£100) (#London, South East, UK) (Repay £120 on 5/4/23) (PayPal, Cashapp, Bank Transfer)

Post contents

I need the money to pay my internet bill and to get food shopping in to get me through till I'm paid next week. I'm happy to provide ID, exchange phone numbers and whatever other info where possible.
First time borrower, I'm looking to be an active helper in the community in the future.
Thanks for your consideration.

Looking for any thoughts or experiences regarding this scenario. Debating whether I should proceed with this deal. Seller’s really eager to sell his home. Did my due diligence and found mortgage is with Soundview Home Loan Trust. He wants to sell for $650k. Home value is approx. $850k. Comps range between $800 and $1 mil. Property is real good condition. What are your thoughts on this? 🤔

My (24m) mom told me we were going on vacation early to mid summer. I’m currently in college living almost paycheck-paycheck. I told my mom that I would try to save enough money for it but I probably wouldn’t be able to afford it. She got mad at me and told me I should go anyway. She suggested I take a bank loan. I don’t even think a bank would approve that loan not to mention I would have to pay it back which will strain me even more. I apologized and told her it probably couldn’t happen then she got even more mad for not trying to take a loan out. My dad and siblings agree that if I can afford it, don’t go but a couple family members agree with my mom, AITA?

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