Anyone know what happens after you pay off mortgage? Not talking about the finance side/closing the account etc. but in terms of Title or anything with the city/county or anything with the law? Does the owner have to take any actions other than just pay the loan off

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Has anyone at a mega fund like KKR or Apollo experienced coinvesting and actually being able to put money into a deal?

I’m seeing the idea of taxing corporations on GAAP income get thrown around. My initial reaction is that it’s a bad idea but I’m far from an expert, especially with taxation. What does everyone here think?

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?

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Anyone think the federal reserve will end up buying bitcoin to create some stability with the dollar?

Am i able to sell commercial insurance while working in IT? I’m in industry no longer consulting but want to get my property and casualty license. Thoughts?

Do banks offer referral incentives of you refer someone for a mortgage? They do for credit cards, but just curious if you all have seen anything like that with loans?

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

Fish fam need advice. I have 70k in savings including emergency. Making 180k p.a including bonus, should I buy a condo for 350k. My lease is up for renewal soon and it bites me to pay 1900 in rent every month. Will be my first home purchase so feeling nervous, please help.

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Building im applying to has a $1,000 move in deposit. Are these usually refunded? The agent is checking with management but they are being super slow to answer. I want to move quick on this so I don’t lose the apartment

I’m currently an LLC and looking to assemble an equity deal with an advisor. I don’t know how to set it up with him where he gets his equity in the future when we restructure the entity to a c/s Corp and give out his shares. It doesn’t make sense for us to switch now and get double taxed when we haven’t lifted off the ground. This is pre launch. Any advice?

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?

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

Do you want this to be different than the crypto bowl?

Thoughts on buying a house now? Lease is up in January. Can finally afford to buy. But would it be better to wait until next year in case of recession -> foreclosure market -> better deals? WDYT

I had final round interviews last week for the company I really want to work for. I have an offer from another company, which I communicated to the recruiter which expedited the interview to final rounds. I need to respond to the other company's offer letter soon. Should I follow up with the hiring recruiter for the company I want an offer from? Or just move on if I haven't heard back by end of this week?

Hi Everyone, our organization is looking to add an experienced account leader to our team. Through the vehicle of a digital marketing & analytics agency, our mission is twofold and ordered: 1) to empower our team to achieve their dreams and to best help others; 2) to honestly partner with our clients, and with their best interests, build scalable solutions that provide profitable growth.

I am sure it’s been asked 100 times but humor me please. Best office chair to add to the good I’m doing with a stand up desk? Lol.

Would love to stay in a reasonable range if possible (800 max)

Thoughts on gme

What are some of the best breakfast/brunch spots in Seattle? I just moved here and I am looking for some hot spots

Does anyone have power crunch bars? I’ve been having them for my breakfast and love them but not sure if they’re super good for me!

Best agency for comms/connection strategy?

do we need to submit at base location or can we submit at our nearest cognizant office?

Is it wise to leave an organization you just joined in 2-3 months because of the bad cultural fit and toxic environment

And if yes then how to go about for future applications as company's will say stuff like stability and all

I’m looking into cyro banks to bank my eggs for long term storage. Has anyone had any experience with California Cyrobank, Reprotech, or Fairfax Cyrobank?

Hi Fishes ..what are the benefits Wells Fargo provides apart from salary? How is the cab service and leave policy?

TIA

New to Chicago and have to set up a team dinner. Still haven’t had the chance to check out many restaurants. What is a really good restaurant in downtown? Looking for some good food with decent ambiance, any cuisine is fine with me. All suggestions are welcome. Thank you

I have approximately one month and a week left on my apartment lease and the situation between my neighbor and I have gotten out of hand.

At this point I’m scarred for my life and don’t wanna stay on the property anymore after he pulled and showed his gun at me twic

But my apartment does not want to let me out the leased

Who else loves blowing the budget

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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?

QQQ vs VOO?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Anyone have a recommended tax person in Chicago?

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)

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?

Any good wedding ring sources aside from Blue Nile?

People living in LCOL areas who bought a house in the last few years... What did you spend on your home, what are the bed/bath #s, and did you buy a fixer upper, turnkey home, or something in between?

Starting to home shop in a LCOL city and I'm super curious to see some numbers from others in similar types of locations. I'm originally from a bigger HCOL city so what feels "reasonable" to me is skewed, but everyone here seems to want to spend as little as possible on homes.

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

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.

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

Does anyone have a financial advisor they recommend? So far I just throw everything extra into a mutual fund but I know this isn’t the smartest way. Looking for someone who can deal with the independence restrictions and help me make smarter decisions (or just do it for me)

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

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?

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

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.