15 year at 2.5% vs 30 year at 3.25% fixed rate mortgage loans. How would you think about this and which one would you recommend?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

We are buying a house and my knee jerk response was to look at a 30 year fixed mortgage (because that’s what I’ve always done). I realized last night that a 30 year mortgage might outlast me. Having a bit of an existential crisis now.

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Joining D soon as manager. Can we use Interactivebroker for stock trading?

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

Have any of you hired a financial advisor to help plan your retirement strategy? If so, how did you go about finding one? I’m recently married and thinking if it’s worthwhile hiring one..

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

Well my $500 DOGE bet from yesterday is paying off 😂. This feels like people are just desperate for a bull market based on speculation.

Where do y’all think Ethereum and Cardano will be in a year? I’m hoping former breaks $4,000 and latter breaks $200.

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Question for the group: How to trade stagflation? Shorts and commodities / precious metals only get you so far.

What is personal independence??
Why Pwc asked me to fill all investment details for me and my dependant.
Can anyone please help me on this ??

@pwc

Can I still do a backdoor ROtH IRA for 2021?

1M net worth, 450k total comp, age 35, just paid off tons of student loans TONS, want to retire at 50. What’s the move?

Busy season never seems to end. Question, am I burned out or is this normal? I was very stressed during busy season until now. I sort of feel a calm sense of not caring anymore. We have extended our busy season until 5/15, but I really just don’t feel like I care...

What happens at RIMS? Is it worth going to?

Anyone work/worked for NFP? I have a second interview tomorrow for an account manager role. Just wondering if anyone has any pros or cons I should know about. Thanks!

Is Toronto as boring and quiet as this bowl ?

Anyone from a major holding company (wpp, omd…etc) who made the move to consulting care to answer some questions I have ? TIA!

US peeps, what are you doing for thanksgiving?

What are the best consulting/brand agencies for recent college grads to go to? I understand that now isn’t the best time to apply but I’d like to start researching!

Has anyone made a move from audit to consulting as a senior and could you speak a bit about the process??

Anyone with November PERM approval?

Just signed an offer and moving to Chicago in about a month. Unfortunately, I don’t know anyone there. Any best practices for finding roommates?

Hello. Everyone.

Due to family and other personal reasons. I am actively looking forward to join a Corporate to perform all such activities and roles as it is required from a Company Secretary. I have 5 yrs Post Qualification Experience.

This is an urgent requirement and request my readers to connect me with someone in known.

Here is my resume attached.

Thanks.
Nikhil Arora

Hi guy please help i got laptop from publicis which is very old. Can i ask them to change it?

Are Golden Goose shoes worth it?

Hi fishes,

Which one to choose, 1) Comcast 19 LPA - Product based, 2) Ensono 22 LPA - Service based 🤨

What’s the point of income thresholds for IRA Roth contributions if you can just back door into it when you make too much? You can still contribute $6k either way right?

Just starting to invest, should I make an account with Vanguard or Fidelity?

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

If a company matches 50% of 401k contributions to 6% of salary, does that mean they’ll put in 6% if I put in 12% or will they put in max of 3% on my 6% contribution? Curious what their wording means

Are the ETFs that track the S&P (VOO etc) heavily dependent on FAANG? Is it too risky ad a result - since it’s reliant on a few companies in the same industry?

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Any any one here created irrevocable trust? If so what are the annual expenses of maintaining the trust? How hard is IRS paper work

Is there any way around PMI insurance if putting less than a 20% down payment?

HYSA anyone recommends?

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Wish I listened to my roommate on Blue Apron. Up 115%

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

ICLN or TAN for clean energy long term?

Why does everyone go for Vanguard ETFs over Fidelity? FXAIX has a higher return and Sharpe than VOO over the past 12 yrs. What am I missing?

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

Is now a good time to buy a house?

Auto rebalance (every 90 days) or manually rebalance as needed? I'd rather be more passive but willing to do it myself to save money. Btw if anyone ACN knows rebalance cost structure, please share.

I had 50% in VT and 50% in individual stocks in my brokerage account but I just accepted a job from a Big 4 so I need to sell some of my individual stocks. I need to invest that amount in something else and I want to tell my portfolio a little bit towards something that’s a bit more risky for higher potential returns. Any suggestions on ETFs to look into?