Assuming you are maxing out retirement, HSA, and IRA, have a fully funded emergency fund, and are paying extra towards your mortgage (with no other debt), are there any rules about how to spend disposable income? I want to buy what basically is an expensive toy that will depreciate. If I can pay in cash is it okay? Is there a ratio with NW that I should consider when setting a price limit? Any thoughts on how to buy a toy while also being financially responsible would be greatly appreciated!

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

My fiancé and I both have the CSR card and Freedom Unlimited combo and love them. We are thinking of adding another card and we were considering the Amex Platinum (to diversity transfer partners) or likely a United card for lounge access since we live in Chicago.

Does anyone else have both CSR and Amex Platinum? Would you recommend?

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

CSR 🐠 - is that true that if i rent a car, i dont need to buy their LDW because it’s covered by my CSR? I book my rent car using my CSR btw. thanks!

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

From now on can we start saying WHY we think news = 🚀 🚀 🚀. Reason: people lose their minds when they see *bank/big corp + crypto* and forget to ask why the news = higher price.

150K in Singapore, and $150K in Chicago. Which one would you accept?

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

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)

Hi All, I am exploring a contract position and they are offering the below. As I am new to contracting, Please suggest which one is better Option 1: $70/hr on W2
Option 2: $80/hr on 1099
I live in the Bay Area, CA if it matters.

Thank you so much !

Just moved from US to USI, do you guys know the preferred banker for Deloitte in India? I need to open a bank account but not sure which bank to pick

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

How much can we save in Canada Onsite ? Tech lead role. Avg sal in glass door is $80k .

Confused as to how I should be buying more ETH. I have a Trezor, but would like to stake it while also having it be as secure as possible. Any advice?

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

Doed anyone have details of what was discussed in GDS webcast(EY Split) for TAX?

When are the layoffs going to start? Anybody care to wager a bet?

Middle market firms that do accounting advisory? Anyone have insight into accordion partners?

Hi! I interned for Deloitte last summer, starting full-time this summer, and currently working a classified government job in-between. Will this be an issue during my second background check? Should I bring up to recruitment that I was contracted by the government in-between, or just leave it be? Thanks!

What is the most you can make in life science strategy consultant without bringing in new clients / selling projects?

Is there a lot of attrition at Guidehouse right now?

Curious to know, if a person with 18 years experience in the lighting industry and they wanted to convert over to a lighting specification sales role. What is an acceptable salary?

I’m interviewing for a marketing manager role at a company based in SF. I’m genuinely excited about the role and the company but we’ve yet to discuss salary. I expect to be asked at some point, but my research has given me a VERY broad range. So I’m here to do a bit more research. I’ve got 5 very relevant years of experience and will have an associate manager directly reporting to me. Are there any marketers out there who can share their salaries in similar regions and experience levels?

Looking to get into implementation at paycore. Anyone have any salary or info on it? Would anyone recommend them as a good company to get started in implementation?

Im not sure but how much do normal warehouse managers make ? I work ina start up that a makes a substitute for peanut butter for people with nut allergies

BSME ~1yoe what’s an expected pay raise for an annual review was thinking of some percentages and wasn’t sure what’s too low or too high

I received a job offer from company A and am currently negotiating salary. I have an interview with company B next week and know that they offer a higher base pay. There’s no guarantee that I will be offered a job at company B but my gut is telling me that company B would be a better fit for me. Should I accept the offer from company A, continue interview process with company B and then rescind my offer with company A if company B offers me a job? Will I be burning bridges?

Currently an engineer in MCOL area with 4 years experience (post graduating, not counting experience before/during college and large side gigs). I have a BS/MS/PhD in engineering and an MBA in business analytics. Currently making 100k as an engineer IV. As an engineer with a functional knowledge (but no former training) in IT and data analytics, what are the best avenues to get to 200k without changing fields and starting at an entry level position (or moving to a HCOL area)?

St. Regis Mardavall Mallorca Resort - anyone been and worth it?

Is there special experience or knowledge you'd need to be effective at a GCD level in Pharma? Or is it like any other account, just different products? I'm considering making the switch from general market advertising.

Favorite TED talks? Medical or otherwise

Met a great woman this weekend. We are going on a date at the end of the month. Both have crazy schedules end of this month and next . I can’t stop thinking about her :) happy pride 🏳️‍🌈 ❤️

Hey Fishies need a recommendation on an international coaching certification. I am a senior HR professional with SPHR and SHRM-SCP certification. I am interested in coaching for career advancement. Thank you for your recommendations

What salary to expect with TCS HR for 2.9 YOE in plsql development.
CCTC-3.2LPA
Offer in hand-6.3LPA

Im single and will be 30 very soon. I have an emergency fund and a good amount of money in the market. I love the idea of maximizing savings but I’m sick of roommates and will getting my own apartment in the summer. I am torn between saving as much as possible in a less expensive 1 BR and getting my dream apartment. It’s a difference of ~$400-600 per month. Help😩!

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

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.

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

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)

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

When is the Bitcoin bubble going to pop?

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

Holy Cow .. jumping into the craze. Bought and sold NAKD in 30 minutes and made $10!! 🥳 wohooo

$1000 monthly recurring investment through Acrons? Aggressive portfolio.
Anyone else using Acrons here?

What stocks are you betting on for 2018?

What is the value of / case for hiring a wealth manager with management fees (say 1% of holdings) as opposed to investing directly in ETFs/index funds yourself (through any of the brokers like Fidelity, Vanguard, etc.)?

Voyager just filed Ch 11 bankruptcy. Rest in pieces.