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28 votes
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Young people are falling behind, but not because of AI
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US landlords want to be paid for pandemic losses and hope to reach a deal with the Donald Trump administration
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Twitch donations IRL
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GameStop makes $55.5bn takeover offer for eBay
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Gray Media's chain-wide arbitration rollout
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Are there alternative ways to invest savings?
What are some ways to grow your savings without investing it into the stock market/401k? In short, I don't want my savings to fund giant corporations. It seems like most mutual funds can't exist...
What are some ways to grow your savings without investing it into the stock market/401k?
In short, I don't want my savings to fund giant corporations. It seems like most mutual funds can't exist without a portfolio of such corporations despite calling themselves green or ethical.
I've been storing funds in CDs or HYSEs but wondering if there are any other avenues.
38 votes -
United Arab Emirates says it will leave OPEC, a blow to the oil cartel
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18 votes -
Single, solo, poor, woman gets $500k pre-tax, how to make the most of it?
Hello all, long time listener, first time poster. First time poster because this is a throwaway account as it will have more personal info included than I'd like linked to my main account. The...
Hello all, long time listener, first time poster. First time poster because this is a throwaway account as it will have more personal info included than I'd like linked to my main account. The point of this post is to request guidance/advice/ideas from the always incredible, intelligent, and helpful people of Tildes.
The high level points:
- I am a female 40 year old, for lack of a better phrase, starving artist living in the US. I am single, live alone with my cat in an apartment, and have no debt.
- I have not held a steady/normal job in over a decade (mental health being a primary reason), my personal income has come from a couple of very small business ventures where I make things by hand, some freelance graphic design, the generosity of friends, and pet sitting. The latter is dead in the water as all my pets were in another state and I just moved in the last 30 days to a place that is much smaller and simply will not have the customer base to do the same, nor am I all that interested in pursuing it here.
- My primary method of financial support over the last decade was being the homemaker to my now-ex husband up until about two years ago when he informed me he no longer wished to be my husband. Since then my primary financial support was from my now-deceased father, who generously provided me with $2,500 per month to subsist on, with my previously mentioned ventures closing the finances gap as much as possible.
- Over the decade of being in a single income household and for the last two years subsisting off a "guaranteed" income of $30,000 per year I managed to learn to be extremely frugal wherever possible so as to not spend above my means and keep a roof over my head. I eat once per day, my overall health isn't great but I am attempting to address that, and thus far my "retail therapy" budget to give me a little boost of dopamine has been $50 per month that is generally spent in thrift stores. I wouldn't call it living so much as I'd call it surviving and am often unsure why I bother.
The issue/question at hand:
My father has passed away and with him my primary/only means of support, with his passing I have inherited just over $500,000 in a Traditional IRA. So my primary question is how to minimize tax burden and maximize return on his investments to make them last as long as possible while I figure out the next stage of my life.I am not opposed to getting a normal/steady job, but this is more difficult to obtain than one would imagine with a decade long gap in employment and an unwillingness to sacrifice the mental health gains I have made and gestures broadly everything else that is going on. There is also the bit of freedom that this amount of money provides that will perhaps allow me to double down on my small business ventures, investing in them/myself at a level that I was unable to do prior and therefore enabling them to become a primary source of support. So there is a thought of setting a budget, both monetary and time, to allow myself to try to grow my businesses first.
TLDR: Single, solo, poor, woman gets $500k pre-tax, how to make the most of it?
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"Visa" gift cards - What should I be looking at?
(Not sure this should be under ~finance, but not sure where else to post?) I've been de-googling and going more privacy-based for most anything I can lately, and I always love when my company...
(Not sure this should be under ~finance, but not sure where else to post?)
I've been de-googling and going more privacy-based for most anything I can lately, and I always love when my company gifts me a $100 Visa gift card for Christmas.
I find myself paying for a lot more of the booze in our lives (usually one shot at going out, and before additionally replenishing a few dollars on my TouchTunes account because I've only used gift cards on it) because now nothing's tracking my sinful habits. :)
Honestly, I mostly would like to use this card to do online things with apps I honestly don't want to be attached to (specifically Discord, and I'd like to recharge TouchTunes, but... that's more of a secondary option).That being said, I'd like to get some sort of non-"traceable" type of card (that is, physical and not requiring an account or app), and I'd prefer to keep as much of my "investment" as I can (purchase charges, fees, or whatnot). I would like a rechargeable option, but I feel that would be too pinpoint-y. I could just go to my local store (in the US) and buy cards with cash, but while I have no problem with that, I'm also not that paranoid and I am a little lazy heh.
I asked my DDG search, and AI has highlighted "toasty choice" (at toastycard dot com) which looks sketch AF, probably because it appears you need an app. Maybe I'm paranoid, but it just looks too sketch for me.
So, I would like to hear folks' thoughts on this. Do you have a spot you'd recommend to purchase "gift" cards online, or a local spot (as I mentioned, US companies would be required), and any strings attached you'd highlight that may be avoidable?
20 votes -
In most countries, imports from China account for less than 10% of GDP, even where China is the top partner
16 votes