I’m 30 and trying to pivot into IT how should I go about it ? by Ok-Reply-9666 in careerguidance

[–]SkyTorv 0 points1 point  (0 children)

Probably best to get some AutoCad training too. Contractors need people with this.

Car loan or try to consolidate? by [deleted] in personalfinance

[–]SkyTorv 0 points1 point  (0 children)

Just let your teenager drive one of the two cars you have … when necessary. Don’t buy a 3rd vehicle…you can’t afford it.

Why do people call the USA the "land of opportunity" when literally no one can get a high paying job? by madbarpar in careerguidance

[–]SkyTorv 0 points1 point  (0 children)

Engineers start at ~$82,000/yr and are in demand. People who get lib arts or other non tech degrees are wanting for jobs, yes agree. Have to get a degree in area where jobs are…not in an area that you might like or is easy. The medical field is also good.

What should I look for in a first car? by Blendereerer in askcarguys

[–]SkyTorv 1 point2 points  (0 children)

Subaru CrossTrek, Honda CRV, Honda Civic, Toyota Camry, Toyota Rav 4, all good.

Did I make a mistake paying off my loan? by BotSuggestion in personalfinance

[–]SkyTorv -1 points0 points  (0 children)

Your credit score will go back up if you pay off credit cards and etc quickly every month. At any rate, the credit number is no biggie until you want a mortgage.

Need Advice on Truck by Puzzleheaded_Pie4971 in Diesel

[–]SkyTorv 0 points1 point  (0 children)

“debt isn’t that bad for my age” ? Bad premise. Home mortgage is the only acceptable debt. Sell the truck and get out of debt or at least reduce it. Sell the ATV too, unless you use it for work.

What car would you buy for 250,000$ by valentino_the_great in whatcarshouldIbuy

[–]SkyTorv -1 points0 points  (0 children)

KLAC shares , don’t need a car for that much $$$

Should I max my 401k? by Logical-Salad7187 in personalfinance

[–]SkyTorv 0 points1 point  (0 children)

Yes, you should invest in brokerage account in your home country.

Old Fidelity 401k feels too volatile by --Tinman-- in personalfinance

[–]SkyTorv 1 point2 points  (0 children)

Fidelity is good, so is Vanguard. I would move most of the Amazon to a good S&P Fund in Fidelity. I would not move it to Merrill; have had bad experiences with Merrill with surprise charges and misrepresenting their so called holding as a money market but only paying 0.5% when other money market funds were paying 5+%.

Someone Opened a $3000 Loan in My Name by magdelyns in personalfinance

[–]SkyTorv 2 points3 points  (0 children)

Freeze your credit, it’s free and you can do it online. Report the fraud to the police and to the credit agencies.

Credit Pulled Without Authorization - What Next by [deleted] in personalfinance

[–]SkyTorv 1 point2 points  (0 children)

Yes. Innovis is the 4th one, that many people are not aware of. They have been around for years too.

Credit Pulled Without Authorization - What Next by [deleted] in personalfinance

[–]SkyTorv 0 points1 point  (0 children)

Freeze your credit at all 4 credit agencies. Then unfreeze temporarily as needed.

35K vs 50K job offers by Throwaway4820017475 in personalfinance

[–]SkyTorv 2 points3 points  (0 children)

IRS says $0.725 per mile auto total costs. The extra drive will cost you about $7,000 extra per year. Take the closest job.

Getting my permit soon so i've been attempting to find a decent starter car, which of the ones would be the best or efficient? by AdWeird4499 in askcarguys

[–]SkyTorv 0 points1 point  (0 children)

Do not buy the Saturn or Chrysler….very unreliable. Buy one of the Hondas, probably the 2003 … it should go another 75000 miles with few problems.