Are there any banks that show debit transactions immediately (or close to immediately)? I’m switching to cash-only (really debit only) since I can’t be trusted to not accumulate cc debt. The problem I’m having is my current bank doesn’t actually show transactions til 2-3 days later, making it hard to accurately track my account balance in real time.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

When do you know you've toured enough houses and should pick one from the list you've got? I've seen probably 15-20 homes, and put in one offer. How many homes should you tour minimum, and how many offers did you put in before you closed? I don't want to be too hasty and choose something just because, but I also think continuing to see homes isn't really making my decision any easier. Thanks!

How do you manage and track all your investments? E.g., stocks, mutual funds, PPF, PF, gold etc.? Do you use an Excel sheet or some app?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Do you think there will be another housing bubble burst in the near future due to COVID? Assuming relative job security, would that be an opportune time to invest in Manhattan real estate?

We made it to 10/15. Now to do CPE and wait for the section 199a deduction to make next year's returns a nightmare.

Okay finance lawyers. I don't understand this issue. Client says books show we're highly profitable but we have no way to pay our tax liability.... Well where the hell did tbe money go ? Client also claims that they are only taking a small portion of the revenue as profit. I don't understand how your books can be different than reality.

4th year associate, 200k student loans—think I’ll be able to get a mortgage even with loans? Looking at a place for 450k. I have 3.5 years public interest work that counts towards PLSF and I plan on going back to government so I really don’t care to pay it down.

Joining D soon as manager. Can we use Interactivebroker for stock trading?

Up 75% on UVXY puts expiring 7/26...sell or is it going to continue to go down?

Any good book recommendations for profitability and performance management for banking industry? Or books on best practices for calculating economic capital?

Building out private investment platform for a growing company. Where can I find example docs of allocation policies, expense policies, etc. in order to create my own? Are there any good resources?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Can someone explain if I should use regular 401k or Roth 401k? My 2 FA’s gave different answers and I don’t understand which to use. I have already done the back door Roth IRA max

How do you guys manage your personal finance or budget?

Tempted to buy 1 BTC ..

Hi! This is post is for a friend who was recently laid off due to budget constraints at their company. They’re actively looking for new roles in Business Analytics, Finance or a combination of both. Any referral would be extremely appreciated.

Should Dropbox be used as the main file system for a busy Litigation office? Help me prove that it shouldn’t and suggest a software that your firm uses.

I’m having trouble finding resources on operational due diligence - I’m trying to study for an interview and can’t seem to find a lot of good things online about it. Any advice / leads?

Who here has traveled on vacation by themselves? I'm single as a pringle, and for various reasons none of my close friends can/will go.

Did you book a planned vacation through a travel company? Did you plan yourself? Just wondering if it's worth it to go by myself.

How do referrals work?
If I get a referral from someone and I apply, then can I still reach out to a recruiter on LinkedIn expressing interest in the role? And do I let them know that I already applied? I’m sure they get tons of messages so I want to write something that won’t be overlooked. Any advice is appreciated:)

Tomorrow is my first day at my new job after being layoff... I enjoyed seen this post with stats so here is mine:)

2 months (pluss 2 weeks after accepting a offer, just waiting for paperwork etc)

273 application

10-20 recruiting condos (some pass on me, some I passed on because they were not fully remote, salary or long hiring process)

3 companies I when thrue the whole interviewing process

From the 3, 1 company just declined no feedback the other 2 send offer letters

170k base, tech.

What would you all say are the best consulting firms to work at in the federal government space? I’m not sure how many “prestigious” firms (like MBB) have a significant federal practice at all.

What is the scope of Salesforce jobs in the market?

Just hit EXP on AA for next year - should I keep flying them for work for the remainder of the year or try to get status somewhere else?

Cockapoo vs cavapoo? Easier dog to own

Anyone from BCG Gamma who wouldn’t mind DM?

Exl offices not opening anytime soon right ?

I’ve been lurking at the net worth/savings posts on here. I started out negative and am still negative and working on it. Is it common amongst minorities or just me? My folks couldn’t help.

Does anyone here follow Your Auto Advocate (renamed Your Advocate Alliance) on YouTube? Trying to learn how to negotiate to buy my first car. As if I wasn’t nervous enough to negotiate pricing before I’m even more so with 2022 market situation. Just wondering if anyone has used that channel or others similar to buy a car for an agreeable price these days

In search of business Analyst job in Mumbai . I know SQL and python. I have PGDBM in information technology and systems management please help

What do you all use to file for taxes after switching to h1b?

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.

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?

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

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.

What does 401k mean?

Paid off my account debt!

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?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

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

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.

In your opinion which is the best target fund to choose in IRA Roth?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

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.

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

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'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.