Any reviews on US Bank’s platinum checking account ?

I am working with a loan agent for a mortgage account. Per the agent, I will get a credit of 1000$ once I open the checking account. It should cover the loan application fee and commitment fee. (1100$)
Here’s the catch — the account has a 24$ monthly maintenance fee. And that gets waived with the mortgage.

I wonder what would happen if I refinance.

Owe ~$4,500 in taxes for 2020. Anything I can do to reduce this amount? Going to contribute some extra money to 401k to get me to 19,500 for the year. Anything else?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

For knowing how to manage tax you can ask questions here.

Hi EY people…who is the 401k provider for you? Vanguard?

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

Recommendations on how to simultaneously pay off student loans and invest?

Maxed my 401k with todays paycheck 🏆 a lonnngg way from FIRE but step by step my friends!

Is getting into ARK funds at today’s price a no brainer or still risky? Currently in VOO/VTI and Vanguard mega cap MGC/MGK. I don’t want to fall under the belief of historical performance guaranteeing future performance, but ARK is so appealing

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Has anyone successfully “ported” their mortgage? Just learned about this and doing some research since rates are so high now. Current rate is 3% and new home will be more expensive, for context.

Folks who trade more than a couple of times a day, do you have to have your crypto in the exchange during the non-trading times ? I am debating if it’s safe to keep in the exchange or is there a better way perhaps moving from cold storage to exchange every time ? I know the transaction fee is a killer . Thoughts ?

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

Currently 31 with 6.5 YOE and single . Should have NW of 250k by end of this year. (No significant assets in India). Considering this money all reminds invested I should have a decent nest egg for retirement. Have an LIC policy that will be worth arnd 50 lakhs when I surrender it (plan down payment for an apartment). Struggling to convince parents this should be enough for me to move back. They think I should move back when I have more financial security. What more should I plan for ?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

The threat of nuclear bombs flying over cities should crash the real estate market

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

Marcus HYSA rate cut down to 2.0% :(

Are y’all ready for Lent?

Lots of people loosing jobs due to Layoffs. Please ping me I can refer you in Accenture!

What does an exit from Salesforce consulting look like? I’m in a technical role leading a small team so my understanding is a technical/solution architect or a development team lead at either Salesforce or an end user like Amazon/Amex.

I have bounced around a couple consulting companies so would prefer not to do it again. Total 4 YOE.

I don’t think I have enough YOE to go for a program architect role at SF otherwise I’d be interested.

Did your firm’s leadership send a message re the horrific shooting? Before I lateraled we always got emails from leadership, which IMO were very humanizing and appreciated. New firm leadership seems to just avoid — probably to not appear politically involved. Your thoughts on these types of current events and firm acknowledgment?

How do I become employee of the month? Where I work, being named employee of the month comes with a great bonus that you can get whenever you're honored with this title.

Long time client with inheritance from Columbia of about $750k. Assets in an acct with his name for about 10 yrs. He has been paying taxes there. Has to bring to US now! Anyone on process, taxes?

Do you thank your tenants for paying the rent? A quick thank you text?

I need help/advice/emotional support/literally anything.

I’m an in-house designer. My company decided to offer social media marketing packages to our clients. Today they asked me to take full ownership of that outside social media marketing on top of my current job duties.

I expressed a need for a promotion or raise to compensate for the major increase in responsibility, a responsibility that is not currently in my description.

They pushed back.

Wtf do I do

Praying no one brings up the election in our team meeting today.

My SO adds very little to our relationship. She has a dead end job. I cook. I work. I oversee finances. I plan trips. She doesn’t have a voice in the relationship. I’ve asked her to give her perspective but she always defaults to mine bc she thinks I’m smarter/worldly. She feels intimated by me and my social circle. Lately, I’ve found myself thinking for her. Anticipating her wants and needs and then adjusting my behavior to meet them. Which she appreciates but it’s frustrating 29M 27F

Anyone use edgenuity? I'm starting Monday with students, never been trained, no guidance. Don't know how to set expectations if I don't know. ice breaker ideas? I'm not in my classroom.. media center.

Has anyone tried to buy two single-entry Vietnam e-visas that are close in date to each other? I was wondering if buying a second one cancels out the first.

Downtown Austin nice highrise apts? I hear good things about bowie and northshore. Stick to those two or any other good ones at that similar price pt

What’s your regular beauty ritual, and what’s your monthly spend on it?

What do you think it takes for a PPD to get a utilization bearing WBS for proposal work? I know it is rare...

Who has made the move from Deloitte to AFS? Tell me about your experience and differences. Glad you made the move?

Hi fishes
I got a opportunity with my current organisation as Identity Access Management developer(IAM)
I want to know how will be the career growth and job opportunities in future.
If any one has idea about please do share your feedback

BAs any tamil brahmins here?share your techstack and YOE, location pls

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

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.

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

I’m 25 in the 32% tax bracket. My split is currently 2/3 Roth 1/3 Traditional. My age was the driving factor. Is this bad?

DeFi bug accidentally gives $90 million to users, founder begs them to return it - CNBC

New to trading and investing in equity. Have $200k in equity and $20k in MUNI bonds. How do you plan to diversify?

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

So after you max your investment accounts (401K, IRÁ, emergency savings. etc) what do you do next?

A little context: 24M, started in the pandemic, moved back home and paid off my student loans.

Do I move out? Can I start spending on myself? Am I missing anything from a saving perspective?

Apologies in advance if this comes off entitled/arrogant, really just looking for some advice and wanted to give as clear a picture as possible.

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

24y/o, salary of 65k, contributing 7% to both Roth and Traditional 401k (about 350 each month) any recommendations on whether should keep contribution or alter it? Thanks

Thoughts on pionex?

What funds are you investing in your 401K? Also, if I change the funds in the 401K by moving all current holdings into another fund, does it count as capital gain since it would sell old and buy new?

Which app do you use to buy stocks? Is cash app safe or should I go the old school route of Fidelity or Charles Schwab?

Marcus HYSA rate cut down to 2.0% :(

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Curios to see how you guys log your down payment and remaining loan amount ( home , Auto etc ) in apps tracking net worth ?

Recently put 20% down cash for house which brought down the cash component of net worth but wondering how to balance this . Home equity ?

Are there any tax benefits from working from home?

Amex Gold or Chase sapphire preferred? I'm trying to decided what credit card to get. Let me add, I'll get $150 statement credit since I have an amex card with my job.