Anyone using Edward Jones? Feel like we did a mistake and rolled over all my husbands retirement accounts from different employers and our kids 529 under them Jan 2020. Since then market is down and accounts lost20%. But the fees every month is pretty high around $200. I am worried to move it to fidelity or some other place and manage myself(not very confident), then I have to sell all of the Edward Jones managed funds and buy new. sell low buy low makes sense but don’t want to loose anymore.

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Anyone have experience transferring stock out of Computershare? Rolled my old 401k to a IRA and am trying to figuring the best/cheapest way to transfer my former company stock to my taxable acct. I assume transferring to the IRA is not possible

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

For the past two months, I’ve accidentally contributed 80% of my net pay towards 401K. Is there a way to withdraw from 401K without attracting any penalties

I was paid a retention bonus last year which I have to return - couple of questions: Will I get a corrected W2 ? If yes, how much time does it generally to generate a corrected W2? Should I wait for corrected W2 to file the return ? (with the current comp - I owe taxes however with the W2C - I will probably not..) thoughts??

Do you advise taking equity out of your personal home and use that to invest/down payment of a rental property?
Some facts below:
I bought my personal first home in 2020
Bought it for 795k
Mortgage of 400k
Current market price 1.6M

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Curious: What percent of your income do you give to charity?? 💰💸💰💸

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

My queries is related to ELSS fund.

Can some one please explain me the concept of lockin perod in ELSS fund.?

I have a sip which started on 1st June, 2019.

So the lockin will b till 1st June, 2022 or the 2 yr lockin will keep on adding on each sip?

I am bit confused here.

Any help much appreciated.

Anyone know any good mortgage lenders in the DC area or in general? Making a little over 80k, with a 720+ credit score, trying to see if I can get approved for any new home buyer programs. Thanks in advance.

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

Best place to put money after an HYSA? Ideally saving for a house in 7ish years. Currently contribute to 401k, maxed my Roth IRA. Looking at Sofi bank CD’s at 4.65% yield (6 month). Is brokerage invested in ETFs/Mutual Funds next step? TIA

What is band can be expected with 4.5 years of exp in Bigdata Hadoop in Capgemini.pls let me know and how much can be expected as package

Is Google open to remote? Interviewed within the healthcare research department, waiting to hear back from recruiter on next steps.

I am on bench from 1 nov 2022. I am PA.

Am I the only one that feels people don’t really understand that writing takes time? If anything, the shortest copy can sometimes take the longest time

I am planning to buy a car. Is there any corporate discount at Citi (CSIPL) for that ?

Has anyone ever had any success in getting a delta base economy fare refunded? Am no longer going on a trip and wondering if I can get those points back that I used to cover the fare

I'm new to consulting but have 5 years relevant work experience. Feeling a bit bummed at what I'm being paid for my years of experience and my education (tier 1 undergrad and masters). Strongly considering leaving. Could use some words of encouragement and advice.

How long do you work at new firm before you boomerang back to your old firm ? Let’s assume the plan is to go back to previous employer with a better pay and title

I have Kinder students & we just got Chromebooks (non-touchscreen) for our class. Do you guys recommend any free websites for young kids to practice computer skills, phonics, and math?

trying to make a move into FDD...any insight into how i should prepare, know, gain skills etc. for interview and networking!

So I feel like I want to keep eating something all day. Even though I'm full and not really hungry. It's the thing of chewing I guess. What to do to combat this?

How do hit 10,000 steps these days? I workout at 6am, start work at 8 am and finish at about 8 pm and sleep at 10. Any tips how and when to squeeze in a walk?

How would you react if your significant other told you that you weren’t their ideal type and that they wished you had a biracial skin tone with less kinky hair but that they are trying to get over it because they still deeply love you/you’re attractive in your own way?

Hi Fishes,

I am currently having an experience of 3 years. I want to get into Data Science field. Have been preparing with the concepts mostly through self study. Will I get a job without any experience in Data Science field

I’m interviewing with another firm next week. Has anyone made a switch like that before? How did you do it? I work in a small criminal firm now. Interview is with a same size/practice area firm.

I am fed up with Accenture!

What was your biggest splurge so far in life? Mine was $2800 TV.

Is there a loop hole to having a Roth IRA even if you are over the income limit? How did Peter theil get one? Looking for advice

I put money in VTSAX which is a mutual fund vs. an ETF. Am I dumb?

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

ELI5: back door Roth and mega back door Roth. What are they, who do they benefit, how to realize?

Should I just take the L on draftkings? Been holding since $50 and doesn’t show any signs of slowing the downtrend…

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

1) I know that most of you will say that buying an expensive engagement ring is a waste and bad, etc. so let’s start with the assumption that I don’t care and it’s happening
2) does it make sense to finance an engagement ring purchase or buy in cash? If financing, how much would you have to put down for a ~$30k ring? (If you’re upset by this number just replace ring with car or education or wedding or whatever you feel good about lol)

Should private coaching be included in one’s financial planning?

I work as a success coach for entrepreneurs who want to get better at selling and master their money mindset. One of my passions is helping clients finally make a quantum leap in their earnings.

What are some ways in which I could market myself to financial service professionals so they refer their clients to me? Thanks in advance.

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Anyone ever take a taxable withdraw out their 401k? What was your reason for doing so? Knowing what you know now, would you have still done it?

What’s a reasonable amount to coinvest in a PEs fund? ~$300k nw

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

So a lot of hate towards Whole Life Insurance, could someone please explain why they are so bad? Thanks

what upgrades are worth buying on townhouse or SF home. planning to live there for 4-5 yrs and later move into bigger house. will rent or sale this property at that time. house is in MD.

ICLN or TAN for clean energy long term?

Any any one here created irrevocable trust? If so what are the annual expenses of maintaining the trust? How hard is IRS paper work