Personal Investment Chatter

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Offer questions and experiences related to personal investments

Went to apply to a new cc and it offered me a 22.99 APR — seems a bit high to me. Thoughts?

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I have $26k in a HYSA at 0.3% APY. A portion of it is for emergency saving and another portion to give to my parents for their retirement in 5 years. Should I put a portion of the money into a mutual … more

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Max 401k in your 20s (Roth 401) or do the minimum to get employer match and keep the rest in cash to save up for big purchases and or real estate?

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Thoughts on 800flowers? Sell or hold

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I’m buying an investment property but need some advice. Would you go with a cheaper mortgage but it needs work or a more expensive mortgage ($500 more max) and you would need to do nothing else? The d… more

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How do people balance saving and spending on fun experiences? I struggle to not feel regretful after spending on fun things like trips, even if I really enjoy them

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10/1 ARM VS 30 year fixed for a super jumbo loan. Rates are 2.375% for 30 year and 1.875% for 10/1. What is your folks' opinion on which vehicle to pursue.

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Is ZM worth a buy around ~460?

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I'm stuck on a credit score of 760. Everything else is perfect except the age of my account which is only 2.5 years. I keep balances low and always pay on time. What can I do to move it up?

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Which is the better platform and costs the least? Coinbase or eToro?

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Do banks (i.e. mortgage lenders / brokers) take your rsus into consideration when they look at your compensation package of a public company since its basically like cash or are they only look at your… more

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Took a 15 year fixed 3.25% mortgage on a 320k property 2.5 years ago. Now getting a 2.25% fixed rate for a 10 year refinance. Good idea to do it?

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Do folks have experience with LoanDepot Or LenderFi ? How are they

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Forgot I owned Tupperware stock (small part of my portfolio) YEET! Happy Thursday

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What are some good stocks to buy today?

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Folks curious if you have any good options calls for this and upcoming week that have a potential of good gian? Looking to put in around 5k? Any guidance will be helpful.

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I have an old 401k with vanguard from my previous job. Can’t decide whether to roll it over to my new jobs for 401k or to a traditional IRA since I already have a Roth. Appreciate any advice you all c… more

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Anyone invested in Peloton?

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Hoping some fish have some thoughts here 🐠 My parents are getting divorced. my dad has shares in a private surgery center. My mom need to have someone evaluate the business for alimony purposes. Any… more

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I'm 30, and I earn 130k per year and have 40k in savings. I own a condo which my parents helped fund down payment for and I have been paying the mortgage on it. What should my next set of investme… more

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Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep… more

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HSA question - does it make sense for my spouse and I to be on different health plans so at least one of us can be on HDHP and get the HSA built up for down the road? Due to health reasons it doesn’t … more

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Hi all - I currently have about $150k in savings. After maxing out ROTH/401K, does anyone have any investment advice? I’m thinking about going the rental/investment property route, as I don’t know if … more

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Why is TQQQ not typically seen as a long term hold?

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What are good stocks to invest in today?

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Looking for recommendations for ETFs or MFs to distribute the roll over IRA funds to (in the process of rolling over previous 401K). 29 and single, for context. Appreciate the recs!

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I know next to nothing about personal finance but want to do something with the $40k I have sitting in a savings account. what should my top priorities be? appreciate any advice!

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Thinking of trying food prep delivery services (home chef, EveryPlate, etc.) - for those currently using these services, which one is best to try?

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Can someone explain what an HYSA is? How much better is it really than keeping money is basic checking/savings account?

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Got some advice to negotiate on auto insurance. Once I called around, I bundled home and auto lowering both with better coverage! Highly recommend putting in some extra time to shop around. Auto - $1… more

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How do I go about getting preapproved for a housing loan ? And how long are they usually valid for ? Hesitant to shop around if they do a hard credit pull. Any help please ?

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With the market down, everyone continuing to hold and buy more?

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SAP continues to drop like a rock. Down 34% over the last three months. Anyone here buying?

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New to investing and trying to understand the best way to invest my 401k besides the current 20xx target fund. Is the bogkehead 3 fund portfolio applicable here? How do I get more aggressive with my … more

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What's happening with NEE?

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I know eventually we’ll be going back to office. I don’t have a car right now, but will need one when the time comes. Anyone in the philly metro area know a good spot to get a reliable car? Also, as s… more

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Best simple IRA eligible fund with no minimum initial investment requirement? I’m early 20s so want something long-term, obviously

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What’s wrong with Visa(V), it continues to decline. Will you buy more at this price ?

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Single and in my mid 30s. Moving away from retirement date funds. What is a good mix to have in my Fidelity 401k to have a moderate to above average (not high) level of risk? I currently have the S&am… more

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