Personal Finance

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[AskFinance] Which type of content would you like to see? (discuss.tchncs.de)

submitted 1 year ago by [email protected] to c/[email protected]

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Hello everyone,

I would like to keep this community active, as it is probably a topic everyone is interested in.

However one of the main issues I have is that back on Reddit, most of the content was about people sharing personal stories/concerns with their financial situation. Not really something that easy to emulate as we have a much smaller group of people.

Is there any other type of content you would like to see? I sometimes feel like personal finance strategies are usually detailed well enough in the various wikis (we might want to copy Reddit's one at some point, but for the time being, I guess just go back there).

Should we orient it more like an open question community with things such as "what is the best change you made in your investment strategy?" "what do you always plurge on beyond reason?"

Feel free to share your opinion!

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[–] sugar_in_your_tea 2 points 1 year ago* (last edited 1 year ago)

Anything specific? I'm happy to make some posts.

I'm not a finance professional, but I feel pretty confident in discussing a wide variety of topics because it's a personal passion of mine. For example, I have the following in my personal spreadsheet (and a ton more):

mortgage amortization table - basically how much you're paying off your loan each month; works for any fixed term loan, like auto and whatnot
retirement date projections
debt payoff simulations
Social Security benefit calculator - pretty specific to SS, not sure how many US subscribers we have
tax estimator - again, US-specific, and I'm happy to go into detail about how taxes work

And other topics I'm happy to discuss:

comparison of types of interest - bank interest (CD/savings), stocks (can go up and down), non-taxable (e.g. municipal bonds; US specific, but could be generalized)
budgeting - I do it my own way, but I'm familiar with multiple
portfolio composition/strategies - how bonds work, and which types you should consider as well

And probably a bunch more. I'm happy to throw together a sample spreadsheet on Google Sheets to share with others as well for anything I write a post about.

However, I don't want to just spam this community if there isn't any interest, or if it would just be overwhelming to people starting out. So if there's something in particular you would like to understand better, I'm happy to help, and I'm sure others would like to add to the discussion as well.