Any advice on how to balance transfer a $25k student loan?

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

Why do firms not use vested stock options as incentive in earlier stages of career?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

Since housing is going crazy (atleast in FL) I am still thinking to buy or not. Or should I invest in REIT to gain some profit by riding the wave?

I’m looking for a real estate agent in South Florida to help my buy a house. Must be an aggressive negotiator. Any recommendations?

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Does anyone have 120K bonvoy points they’re willing to sell? How much?

Is it worth it to get someone to do your taxes as an associate (vs. using TurboTax, etc.)? Rising fourth year if that changes your thoughts.

Lease on my current vehicle ends in a few weeks. Do you think auto prices will drop and financing will become free in the next little while?

Should I hold off and Uber around until the drop?

How much are you contributing to your 401k?

For those that have physical gold in their portfolio, what do you buy? What do you think is the best value? Coins? Bars? Other? And what weight increments do you usually buy?

AMZN buy more or hold?

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

I lost a lot of bitcoin sometime, had to file a claim @recoverydome. I was given some great tips and insight too. They could also give you some clues to work with when you HODL

I have an investment idea. Would be great for banks and investors to speculate, but it involves creating a market for the product. Who should I approach first banks or investors?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Does anyone know if the 10% penalty and if taxes are waived on a death of a beneficiary? A friend of mine’s 17 year old pass away. I was wondering due to the circumstance, is there any way he can get around paying extra money by doing a 1035 exchange, rollover, withdrawal. Anything out there? Suggestion are welcome.

So spent the last 30 hours working through this trying to books with points. Still nada. Anybody else have luck?

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

Hi. I’ve directed a few social spots and a doc/branded content campaign for my agency. None of work was PRd, so no credits. Interested in directing long term. How have you seen creatives make switch?

I finally have someone leaving my island! If they asked to leave yesterday, will they be in boxes today and gone tomorrow? How long do I have to find a new villager? Looking for a bear or cub!

Recruiters, my position as senior in-house counsel at a privately held electronics manufacturing company was eliminated recently due to COVID. Looking for opportunities in the Mpls/Chicago areas. Open to networking or discussing any open opportunities. Experience includes development and purchasing contracts, distribution agreements, patents, trademarks, licensing, data privacy for an international organization with a legal department of one.

I’ve only slept with one person, my wife. I have not openly shared this with anyone because there’s a stigma that I “settled” or I don’t have numbers on the board like a man should. I’m not overly religious, so that was never a driver in the equation. I admit, I do think about the “what if” every once in awhile but I’m honestly getting to the age where I feel I’m beyond my prime anyhow.

Is it just me or other people have also seen people hooking around near cricket ground in Infosys Pune campus.
In the afternoon and night shifts obviously..

Kindly let me know if any Auditing, Accounts -GL,R2R openings in Bangalore location..

I just received an offer from BNY Mellon, and as per their terms and conditions mentions BNY can solely decide to reject or not accept our resignation letter, even though the notice says 60 days? Is it even legally allowed?

Can we never leave them after handing over the resignation letter until they agree as well?

From a UX Director... “Design is everything. You’re nothing without design.” Excuse me?

Is there any good reason to take a 10+ minute call in a bathroom stall at work? Noticing people doing this as RTO ramps up and I really don’t understand why you wouldn’t go outside or at least in your car.

Any reviews about HCL UOB Project work, technology stack and wlb in this project? I have an offer from HCL? Need inputs on the wlb and job security in HCL

Just discovered a public slack channel (that very much should have been private) that a few women at my work have been using to bitch about the co-workers they don’t like. There’s a lot of very mean posts about several of the CDs, account people, producers etc. There’s quite a few hateful posts about me and my partner too 🙈 should I tell them?

Has anyone moved from tech consulting to strategy in MBB's. Anyone willing to guide on how you made the move?

Is it worth moving to strategy consulting or do strategy business ops in industry?

I woke up, thats it, thats my reason for being pissed off is I woke up and its early

Anyone have first hand experience with travel medical insurance? Looking to purchase for a short trip but finding so many mixed reviews from people that have had to actually try and use it. Appreciate any recommendations!

Hi All,

I joined a competitor company due to toxic boss in June 2022 which my previous company has got idea about and have still not recieved F&F money and experience letter since 3 months.
In the offer letter it was written that I am prohibited to join competitor company after resigning but I got to know from sources that such contracts don't hold any relevance. I am waiting for 10 more days as HR told me it is in process and then planning to file complaint in labour court. Suggestions please?

For anyone going temp-to-perm or anyone who already has, did you negotiate anything into your temp contract about revisiting the option for perm? ie, say, in 6 months, discuss perm options? Thanks!!

What are typical PM title structures? I know they are a bit different everywhere. I’m building a team from the ground up and am curious what other agencies and in house teams look like. Thanks!

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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?

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

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.

Best high yield savings products?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Have about 5k to invest - should I do FXAIX or FSKAX?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

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 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 NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below: