After an accident, I need a car, balancing affordability with safety. I mostly drive for errands, gym, and occasional office visits. Net Income: $5K/month; Savings: $60K; Monthly expenses: $3,600.
Preferences:
- Honda, Toyota, Mazda, Acura/Lexus. Blind-spot monitoring, CarPlay.
- Financing: My credit union offers savings for 2023+ models under 30k miles. Also interested in new car APR
Options: either older used car (10k-15), moderate used(20k-25k ) or new
How much car can I afford?

Fixed ctc 2435000 Lpa with gratuity 3.5k pm and pf including both employer and employee 16k pm. Any estimated what will be take home pm post tax?

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Is blockfi only a bank and not really investing in crypto?

Anyone willing to share what assets they're investing in with the extra money from being overemployed?

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

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.

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Thoughts on Paul Hastings real estate group?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Need help on how to invest. We are positioned to pay off our house later this year. Expect to work for another ~20 years. 401k fully funded and have some company stock investments maturing over the next few years, but no investments outside of that. Kids have a prepaid college plan for certain schools. Emergency fund is solid. Where should I look to start investing? I have fidelity for my 401k, would they be good to open a taxable investment account with, or are there better options?

Are commercial properties getting inflated like residential? Thinking of getting into commercial to extra income.

Is crypto dead or 2024 when next halving

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

26 no debt, working in a bridge role and planning on leaving ASAP due to instability. Mom has cancer.
Considering grad school but I want no debt.
Would it be a bad idea to take out a mortgage loan and buy a quad pled in the event of a loss of income I can at least still take care of the family?

Has anyone noticed how attractive realtors are or is it just me? Recent studies show the more attractive the real estate agents, the higher the listing price of the home.

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

I’m on vendor side. Can anyone recommend any good resources or communities for production companies, studios, and reps etc to help navigate the potential financial fallout of COVID?

Hi everyone

Is there any disadvantage if I get relieve on Friday compared to on Monday?

What I am thinking is I will be loss pay for sat and Sunday?

Actually my last is 27th
I asked for a week early relieving so thinking about this.

Thanks.

Has anyone done a collab with influencer MIKIRAI? I know she’s a big deal but i’m trying to figure out if she’s worth the money, our agency just had a bad experience with an influencer and the client is not happy. We need to make a comeback! All insights are appreciated.

Can I get 11 likes to get my DM started.
Thanks

During a 90 minute model test are you typically expected to build out the full pro forma B/S?

Does anyone have a contact for recruiter / life coach that specialize in advising on jump from from agency (account management) to client side?

Layoffs at Omnicom shops today?

Best books about product management for a good exit to industry? I already have an MBA and PMP but looking for a refreshed perspective since it’s been years since my formal education.

Currently reading “Product Managements Sacred Seven” but it’s geared toward the startup world. I am in healthcare and not looking for a startup role. TIA!!!

How much of a total comp increase would you leave consulting for (E.g., 20%, 30%)? Trying to figure out what’s a good offer and tipping point for me.

Anyone know if any Tech/FAANG companies hiring in Sourcing and Supply Chain management roles?

Does anyone work a compressed/ 4 day schedule? Any tips on making it work? Are there things you didn’t expect that you wish you had known about? How did you set boundaries?

Anyone working for AstraZeneca or Pfizer within oncology?

Looking to sublease in nyc any time between September and November

Hi All,
I’m putting to get together mentorship ideas for this bowl. If you are an executive creative director, account/media director (and above) or you own your own agency/consultancy and you would like to participate, please PM me.

I'm working on a pitch deck, for an event that I'm planning next year for my wine brand called OBA, but I'm struggling to come up with sponsorship ideas.

I don't want to go the traditional route of creating tiers, because I feel like you should do most of the things in tiers regardless on how much they donated. Can anyone assist with coming up with some ideas?

Also, does anyone know how to create a virtual swag bag?

Thanks in advance.

What would happen if I don't join a company after accepting offer letter?

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Thoughts on personal loans to consolidate Debt?

Best high yield savings products?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Google stock to buy now or after the split?

What does 401k mean?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol