After 7 years of actively managing my portfolio I have concluded that simple boring index funds are way to go. I did well in tech stocks but have some I'll times entries and exits which kinda took down profits. Do you still believe actively trading would produce better results. I have learned quite a lot in process but now I don't think I would be able to give same time when life gets busy with higher roles, kids etc. Anyone have been successful in managing their portfolios and beating indexes.

For those of you who position yourself as retirement income specialists: How do you do so?

I am sick of being a realtor! I've been trying for 5 years and have only sold 3 houses. Where I'm from (small Southern town) nobody is buying. Most people's families already own homes and it's just a bummer to see all these nice houses deteriorating over time.

My parents have very poor credit scores (<600). What’s a quick way to get this up? They recently paid back all debt but only have one credit card. Outside of paying back on time, should they open a new account to increase credit line / lower % of credit used? What options are best to quickly improve credit scores

Is a 49% debt to income ratio doable for someone who lives very frugally?

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

Thinking of starting and Only Fans account for extra side money. Don’t know what it would be yet though. Sounds wild but my salary barely covers the cost of living and I’ve been living with school debt. Anyone have one on the side? Serious answers only please!

Hey 🐠 , how do you guys shop for car insurance? Having a hard time finding a true aggregator site for comparison—they all direct me to individual insurers for quotes. My rate at GEICO just went up 40% so want to shop around a bit…

Looking to get some feedback on this investment strategy: Contribute 100% of the allowed limit in ESPP program(15% of base) to get full company match(15% of my contribution). Sell it on the same day it vests(vests starting of every month) and then invest that money in vgt and voo. I understand the short term tax implications but still feels it is better to invest in etf than in company’s stocks. Thoughts?

Is factory-second from Allen Edmond worth buying?

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

Can I receive rent on H1? How can that be accounted towards the end of the FY?

Thoughts on debt finance vs. capital markets for lifestyle?

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Need help looking for a 1 bd, I’ve tried domu/Zillow but none of the options are appealing. Should I be using a realtor?

Budget: $1,200
Areas of interest: LP, Lakeview, Wicker Park, Old Town, Streeterville, West Loop, River North

Tagline for the stock market

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

Anyone working at Amazon, American express or any product based/ analytics/ Fintech company
In Gurgaon?

Need some insights on Business analyst roles at these companies.
Skills, growth, package, etc.

Hello fellow fishes, currently I am working as an Information Security Consultant and wanted to switch my career into Cloud Security.

I have around 6+ years of experience in Information Security which includes ISO 27001, NIST CSF, SOC 2 and PCI DSS.
I have also done some cloud certifications such as AZ-900, AZ-500, AWS Specialty Security and currently preparing for CCSK and CCSP.
Can anyone provide with any suggestions through which I can switch my career.

Do we definitely know the highest entry level salary at a consulting firm in London?

I have been a software developer (professionally) for about 7 years now, but I’ve decided to move out from that job and do something else (still in tech).
I don’t know yet what to do exactly, but I know I just don’t want to be only writing code every day.
Tbh, I am scared. But I have set myself one year to learn something new.
I also want to go for a job that pays more (55k€ currently). I live in Paris, France, and software developers are not well paid.
Any suggestion for a career transition?

Hi all,

Can anyone refer me in
consulting?

B.Pharm grad + MBA (new IIM) with 2.5
years of prior work ex in pharma R&D (Drug
safety/pharmacovigilance). Working as an
SAP consultant in Deloitte USI since Aug-2020.

Hi folks,

My current project is discontinued by client, so I’m on bench now. Im serving notice period and only 40 days are remaining. I asked HR for early release me but they denied, saying its our policy to complete NP

Is there any possibility to get early release? Whom to I contact?

Motivation to work: non existent. 🙂🙃

Can someone pls share reviews about camera ISP team in multimedia group of Qualcomm ? Tech stack: camera prototyping. How is the WLB? How much CTC do they offer for 4.5years? Location: bangalore

Hi All,

Can i renegotiate compensation with Deloitte after receiving offer from another organisation.
Will they increase my Compensation ?
D just gave me only 30 % Hike on my current Fixed CTC and no JB.
Profile - Automation QA, 6.5 YOE

Am super close to DMs, let’s make it happen 🫡

Been seeing a guy for the past few months. Went to watch a movie on Netflix last night and saw that my ex is in a new series. Talk about mood killer. Now I can’t stop thinking about him 😞
He tends to pop in to my head at least once a month. How can I move past this?

Which offer is better?
€100K per year in Netherlands (with 30% ruling) OR
45000 AED / month in Dubai?

For a family with a kid.
Tech stack: SRE/DevOps/ Cloud architect
People staying in Europe and dubai please comment.

My priorities: Long term stay, better education , quality life, location with better security, law n order and less hussels.

Are there any Life Sciences startups that people might be targeting for exits?

Any recommends of a pediatrician near downtown? Thanks!

I have an offer from
Target Corporation -- TC 30LPA as a Sr. Engineer(Full stack)
And
Rubrik -- TC 30LPA + 750 RSUs as a Sr. Full Stack Dev

Really confused about where I should go,
Target tech stack - CQRS Java Spring boot microservices, React, Postgres, Mongo(The tech stack I am comfortable with)
Rubrik tech stack - Python Microservices, Postgres backend and Angular fronend.(The tech stack I have never worked with)

It comes down to Tech stack and WLB, Where should i join?

Hi folks,

I am expecting an offer from Globant I just want to know if there is any bench policy? and how about job security and wlb in globant

Quick question: will you buy vanguard index funds through a vanguard account or their ETF versions through Robinhood or Ameritrade (already have Robinhood and Ameritrade) ?

Trying to build a strategy focused on index funds.

Vtsax vs fxaix?

Debt payoff update: house paid off, personal loans paid off, credit card down from 22K to 5K. Car loan is 21K. Looking to be completely debt free in 6 weeks, very excited!

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

Trying to get my finances back on track. Who has a good budgeting app they use ?

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Anyone here from NYC? Be cool if there was a meetup.

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Anyone buy a small apartment building or small strip mall? What has the better ROI — residential or commercial income?

For those of you who made your first million in net worth, what did you do next?

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

For those maxing out their HSA, how many of you are using it on health expenses v saving it, and why?

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?