TopBuzz

Selling S&P 500 to buy the house or use mortgage with 6% rate? I’m closing on the house but I’m not sure whether I need to sell some or none of my investments. House $700k Down payment 30% Joint investments (S&P 500) ~$500k Joint salary ~$200k Maxed out 401k, Roth IRA and HSA contributions. I submitted for 6.25% 30 years fixed with 2 points which with 0.25% first-time home buyer discount yields 6%. Consider…

An electric vehicle I would like to buy would pay for itself with the gas money I save. Is there something I’m missing here ? My car gets 19 mpg. I commute 26,000 miles annually, driving 2 days a week with a 250-mile round trip each time. My current vehicle, a 2001 suv, gets 19 miles per gallon on the highway. Gas prices in my area are currently at $5.50 per gallon, with a low of $4.10 over the past two years. At the current gas price of $5.50 per gallon, my monthly gas expenses for commu…

What long-zoom camera would you buy today? I just had to return a lovely used FUJI X-T30 II because it arrived with a defect. It’s a pity because I liked the camera and the zoom (16-80 f4) So now I have a do-over, and I “get to” buy yet another camera, in order to have a camera. (I sold my last one, an old Nikon SLR) I realized in the process of this drama that ideally, I want a camera …

Is selling my gaming computer to buy two new lenes to take my photography a little more seriously? I have been gaming on pc for about two years now, and I am just now realizing that I am wasting away my life on the computer and that it doesn’t make me happy anymore. I am thinking about selling my computer, keyboard, microphone, and sim racing hardware. Overall, I can easily sell it off for anywhere from $700-900. I want to put about $400 into…

Trying to buy a home but credit score just dropped 20 points I currently rent and my rent is going up pretty significantly at the end of the year so I want to be out by then. I’m getting older so I want to buy a home and live in something that I actually own. My friend is a realtor and I’ve been talking to them about it for a few months now. They told me I should bring my credit score up by 20 points befo…

LPT: Instead of buying cheap plastic dinnerware, buy used restaurantware. It’s very sturdy and the vintage stuff is inexpensive if you don’t have to pay shipping (i.e., buy it from a local antique shop or at an estate sale). Restaurantware is very resilient — it resists chips and breakage to an incredible extent. There are a lot of great vintage patterns (see, e.g., Syracuse, Iroquois or Buffalo china). There’s a lot of this stuff about, sold at antique shops or on eBay, Etsy or similar. If you don’t have to pay the shipping (sturdy = heavy), you’ll find you can ow…

You can buy a refurbished Steam Deck for almost half off Valve says each unit has received over 100 tests and meets the same performance standards as new Steam Decks. | Photo by Vjeran Pavic / The VergeIt’s not often we see an excellent portable gaming PC like the Steam Deck on sale for nearly half off, but today’s your lucky day. So long as you don’t mind buying it in certified refurbished condition,…

Rent v. Buy with Grant Money in the Mix Hi Guys! I know that when deciding whether to buy a house or rent you can usually use one of those fancy online calculators. I can’t seem to find one that will factor in grant money though. I find myself in I guess a bit of a unique situation. I’m 23 and make 85,000 gross this qualifies me for my states down payment assistance program. It’s a 25…

Should I buy the 50mm f/1.8 stm lens? Photographers of reddit!! I need your help. I have a canon rebel T7 with kit lens and 75-300mm lens. Im debating on whether I should buy the 50mm f/1.8 STM lens. I’ve heard good things about it, it’s affordable, good in low light due to its aperture and good for portraits and other things as well. However I’ve seen that because the canon rebel t…

Use a HELOC to buy raw land next door? We have a house on some acreage, 7 acres. The lot next door has come up for sale at a decent price, which is about 10 acres. We would be adding the 10 acres, so it would increase the value of our home and land. The lot won’t qualify for a raw land loan since it has an old structure on it. Would it make sense to get a HELOC and use that money to…

Sony in Talks to Join a Bid to Buy Paramount The company and Apollo Global Management are discussing a joint effort, even as Paramount conducts exclusive merger negotiations with Skydance.

$10 Doesn’t Buy Much These Days, But It’ll Get You 3 Shares Of Vinfast With Some Change Left Over Considering how bad our first experience with the VinFast VF8 was, it didn’t seem like the best idea for VinFast to go public. Then again, no one at Jalopnik is an investment expert, so maybe someone smarter was giving better advice we just couldn’t understand. Right out of the gate, it looked like we couldn’t… Read more…

What should i by and how do i buy it? I have 2 problems the first one is a lens for the sony a6100 for 300-550 euro. I already have the kit lens and a 70-300mm lens. I want something for landscapes and a litle bit of steet photography. The second problem is how do i convince my parents. Becouse i already have money saved that i worked for my self. But they are not letting me spend i…

I remember going to record stores at midnight to buy a new album release It was fun meeting and hanging out with other fans in line, worrying the store might run out of copies by the time your turn came up! Found this video of fans waiting in line at midnight to buy Guns N’ Roses’ new album in 1991. https://youtu.be/we5vekzsyiU?si=\_OTNC8LFT9o\_lV5F submitted by /u/tascena

Should I buy house with cash or take out a mortgage? Hi everyone, I am considering buying a home that I expect to raise my family in (at least for the next 5+years) and debating whether to purchase a house in cash or take out mortgage. Any advice is appreciated! We are a mid 30 / late 20 couple, with a combined household income of ~$400k. We’ve been lucky to have saved about $1.1m so far. We are l…

Can anyone help me figure out what else I need to buy for headshots? Hi – I have a flashpoint R2 TTL and a R2 pro trigger for my Sony a7III Can anyone please make a list of what type of clamp I need for the off camera flash, what kind of clamp I need for an umbrella diffuser, what type of shoot thru umbrella diffuser I should get, and what stand I need? I’m shooting headshots for friends. My budget is around $1…

Should I buy term certificates with monthly return or annually? Hi folks. Just for context, I’m from Egypt. We are going through huge inflation and currency devaluation. I’m in need to increase my income but I don’t currently have enough money and knowledge to risk in Stocks, Mutual funds or any instrument. I have been think for a while about different things but almost settled on buying term certificates, s…

Should I buy a new (used) car? I currently have a car that works great but its 10 years old, small, and has cosmetic damage. But mechanically it runs great, is easy to work on, and its paid off. I am younger and not planning on getting married for another 1-3 years depending on how things go. I kinda want to buy a newer used car thats more fun to drive and will actually fit p…

Sell house, cash in and buy in cheaper city or … ? My wife and I have a teenager, and own a home with a lot of equity. She wants to sell it and buy a cheaper house in a less expensive city. I am willing to do this, but believe it’s a bad financial decision. Numbers: Family makes: 135K/year, (taking into consideration new job for me, been out of work for years) Home conservatively worth 925K (…

What camera lens cleaning kit should I buy? Might be a stupid question, but I can’t seem to narrow down kits and I also don’t know what I actually need. Some are 3 items, some are much larger, & the price ranges go from cheap to all over the place. I just bought a 90d with a ef100-400 w/ a few other lens’ to practice wildlife photography. Advice would be much appreciated! submitted by…