Anyone with some interesting free investing e-book to share. I would like to keep my busy during the holidays reading to understand the basics of investing. Please help me!

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I decided to close down 3 of my oldest credit cards. Had them when I was 18 so they were almost 20 years old. Used them to build credit but got myself into a lot of cc debt instead. Lol

it’s been over 2 months and I was wondering if my credit score will take a hit later?

They were paid off 100% before I closed them, I have a good mix of other credit line, I have 0-1% credit usage, and a debit to income ratio of 26%

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Hi Experts ..Suffering from financial stress...my 90% commitments will be end by December..but felling so much stress to handle with money

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How tax can be saved...

Sal:35L

please pour some suggestions tq..

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Need some help fam - I live in Colorado, but have a job "based in San Francisco" so working remote. I'm paying Cali state taxes/ deductions. Will I get the excess back when I do my tax return for 2022? Will I get penalized in Colorado?

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Hi All,

I have created a simple excel based tax calculator which would help calculate the in-hand salary based on the package offered. It also gives flexibility of HRA calculations, comparison between old and new tax regime, calculate difference between paid tax and remaining tax for the financial year due to change in salary and so on. Anyone interested to get this, kindly like my profile. I need 11 profile likes to open DM and post that, we could use DM to interact and share this excel file.

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What are the side hustles that you can do along with your job to have steady and small income?

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Planning to purchase a home in Seattle (severe sellers market right now). I will need to finance the home and seems like sellers aren’t accepting offers if ALL contingencies aren’t waived. (Contd.)

How much is 2k a month for a house payment? What size loan would I be able to get?

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SLC folks: I lived there for a few months during the pandemic and fell in love. Was thinking of maybe trying to buy a condo and renting it out for a few years before moving over. Any places were I get a 1 bd / 1 br with a ~$100 - $150K downpayment? Probably not realistic in Sugar House, Avenues, etc. but curious if there's anything in a decent neighborhood.

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If you own a condo for investment, would you rent or sell at this point in time? Assuming in RCR region (bishan/Thomson etc), 3 years have passed so no additional seller stamp duty due. Property has appreciated ~35% in past 3 years

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Where would you cap your rent if you made 86k and wanted to live nicely but responsibly?

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With hotels and airlines struggling, do people think credit card travel perks/bonus points/reward systems will change post pandemic? Additionally, does anyone have and is satisfied with the amex hilton aspire card? Thinking of adding this to the wallet once travel opens up.

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Pros and cons of 529 vs regular brokerage -go!

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newbie here for investing. where should i be most focused.
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Anyone dealt with Sharia compliant lenders for buying a house? Would you suggest one? For context, I am based out of Chicago. TIA

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Advice pls - 2021 omega seamaster Aqua Terra 41mm, with the blue rubber strap, grey dial - negotiated it down to $4200 (w/o taxes) is this best deal I’ll probably get?

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Does inflation ever go down or is this just the new normal?! Things are getting more and more expensive. This is ridiculous

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Marketing Career: When should I move to the director level? I have 4-5 years of Growth Marketing experience and my salary is stuck at $100k. I want to make $200k within the next year - what should I do?

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Will students will starting school on college campuses in august and therefore need housing? Or do you think it’ll be more remote learning? I bought a triplex to house hack and it’s in a rental market

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Perforce technology, pune or Aera technology, Pune or Nagarro, Gurgaon.
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YOE: 6 years
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How’s the WLB for my Australian counterparts at T2 firms in Sydney/Melbourne?

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Been struggling with throatburn acid reflux most of 2020, thought I kicked it but recently relapsed. Goal for 2021 is to overcome this terrible health impediment. Anyone dealt with this kind of acid reflux (sore throat, dysphagia, globus) and successfully overcome?

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Hi fishes, Dm me for referrals I can refer you

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For the last 4 months, I’ve been pseudo-reverse dieting (RD) to increase metabolism and stop feeling like I was starving. I say pseudo as I didn’t gradually increase calories. I’ve been dieting 24/7 for a decade, developing a poor relationship w/food and to lose weight, I had to go through extreme measures like OMAD to see results the past 2 yrs. Since RD, my relationship w/food has improved, I’m maintaining weight but look toned af, and eating healthier than ever before. Question in comments…

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EFA is another trade betting on the economy strengthening. This ticker is developed markets X-US. It is a difficult trade because the longs are much more variable for moves than the greeks would predict, but they even out over time. This morning is a good example with the ticker up barely, but he long down significantly. It is easy to over react and over trade it.
I got in when the election was pretty well sealed and figured Biden would be much better for global trade and global companies.

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Anyone know of firms with the Los Angeles area that help you and encourage you to attain the CFP? I’m finding it hard finding local firms that have career trajectory from Client Servicing to full Advisory work.

I’m willing to pay for self study and take local classes but would love and appreciate sponsorship.

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Ideally I’d love to make my way towards either an Advisor or Strategist.

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Fractal - 28lpa fixed (WFH)

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Additional Posts in Personal Investment Chatter

Planning to purchase a home in Seattle (severe sellers market right now). I will need to finance the home and seems like sellers aren’t accepting offers if ALL contingencies aren’t waived. (Contd.)

Where would you cap your rent if you made 86k and wanted to live nicely but responsibly?

like

Pros and cons of 529 vs regular brokerage -go!

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I understand the benefits of mega backdoor roth but want to understand who are the demographics of people doing this

Can you list your age and total family income with spouse (if applicable)? Also what was your rationale to max out on the mega backdoor (vs. just traditional 401K + backdoor roth)?

Would appreciate learning from those that have been doing it for some time

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All bow their head to the new Warren Buffet. This is Plug Power for those interested.

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Are you buying ETFs or are you putting your money in a HYSA?

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Anybody has experience investing with collective2 (C2)?

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Lots of comments on here about inflation and hedges against it. Shouldn’t stocks be a pretty good inflation hedge? Assuming inflation -> higher prices -> more revenue

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Can we still contribute to our 2020 HSA? Noticed the it didnt hit the max last year and if we can, how do we claim it on taxes?

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Have about 5-7k to invest. Already have money in vanguard Mutual Funds, 401k, saving account. Where can I invest now? PS: don’t want to invest more in the above ones

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I'm decently knowledgeable about investing, but one thing I never understood is all the rates being thrown around. Is the fed rate the interest rate on borrowing for banks? I thought the T bills..cont

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I just realized I’ll likely have a MAGI of over $124,000 this year and will have to reduce the amount I contribute to my Roth IRA. I don’t know exactly by how much and I’ve already contributed about $1,900 directly through my Roth IRA. Does anyone know if I can still do a backdoor Roth IRA for the remainder of the $6,000? Is there any way to avoid over-contributing to my Roth IRA by the amount I already put in there?

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2nd year associate here (going into my third). Will have about 114k in student loan debt at the turn of the year. I have roughly 60k in my investment account, 45k in 401k and an adequate balance in my emergency fund. I also contribute to my HSA and will cross the threshold for investing that in January. During 0% on student loans i have been using every spare dine to pay that down. My question is should that continue or should I tone that back and start investing more? Cont’d in comments...

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Should I max my 401k contributions? 150k salary w 3 yoe, but buying an investment property soon and 20k just seems like a lot to tie up for 40-50 years, and doing a lot of investing outside the retirement fund. Maybe change my mind to max it? Already getting match

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Pros and cons of investing 100% of 401K in S&P 500 for next 5 years? (Not looking to retire before 2050 anyway)

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Has anyone purchased a house through a trust they set up? What are the benefits? What are the drawbacks? TIA

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