At what age (kids) have you created kids bank account to teach them financial independence?

How exactly does house flipping work?

What are you tracking for Black Friday and Cyber Monday? I feel like the sales are hyped but not as good as random ones throughout the year. What should I aim to invest in? Mostly interested in electronics and luxury goods, maybe travel

Just got a quote for 30 year fixed rate mortgage at 5.99%. Thoughts?

Has anyone bought a NordicTrack? How difficult is it to put together?

Posting again now that I have new job offer out of state. Looking for lease takeover of my 2br 1ba 3rd fl walk up in W. Village 1 blk from Christopher St station. Targeting btw Mar 1 - Apr 1 move in (flexible). Unit is $3,137/mo and is rent stabilized meaning rent bumps will be in the 0-2% range / yr. Lease goes through Aug 31st and can be renewed. Not Covid price which makes it a super rare deal. Id ballpark about 700-800sf. Any qs let me know!

DM if interested

(FAQs in comments)

What’re your top growth stocks?

How does the mortgage for a rental property work? I have the required down payment. Do I have to prequalify for the entire amount even if the place will be fully rented?

How much tax deduction for staff level

Hey guys , I am currently on my F1, and the last two years , I have had bad tax returns where I owed 800-1000$ (I am single). Does anyone know a good tax guy who can do my taxes and help me save 2020

Please confirm: Whether we are required to update intraday trades (nifty or bank nifty or stock option) while working in PWC SDC.

Anyone done DIY attic insulation?

Our attic insulation is terrible--had a home energy audit yesterday and the guy said it has a whopping R-value of 7 due to age and settling (~35 year old house).

We're waiting on a quote for cellulose loose fill to get it up to an R-value of 49, and I'm also looking at DIY options in case the quote comes back $$$ for the ~700 sq ft unfinished space.

Hey 🇬🇧 🐠,
Has anyone ever invested in an EIS or VCT?
It appears to be very tax efficient and was wondering if any had any experience (returns, good fund manager, ...)to share ?

Need advise: Looking to calculate our fire number and not sure whether to consider the mortgage payment into it or not.
HHI: 410K, monthly expenses: 7.5K (3K mortgage, 1.5K daycare, 3K everything else), no car EMI. We are mid-30s and 2 kids, 4 &1. expecting daycare expenses to go down in 2 yrs. And mortgage should be done in next 7. I intend to RE in next 10 yrs.

If a company has class A shares listed and class B unlisted, do we take class B shares when calculating market cap?

How much rent amount should I pay to get maximum tax deduction?

I am an engineer, but want to get another degree in biology. But even though it's my passion I'm worried that I won't be able to get a job quickly, I have a loan to study and I'm too young to declare bankruptcy. Any hope?

How do people feel about the current stage of the UK economy? Is it still a good time to move jobs? Will there be redundancies? Earlier reported further interventions by BoE with pension funds teetering

hi how much is the max LTA exemption? i have declared for 52k this year.

Thoughts on downgrading Chase Sapphire Reserve to Preferred given we’re no longer collecting travel points? Currently about 25000 unspent points.

Thoughts on putting 5% down on a townhome in SoCal (expensive market) and then renting some of the rooms out while you also live there? Real estate in SoCal is crazy so I worry that i might be over levered? I want to start building equity since rent has risen so much? The monthly mortgage is going to be about 75% of my take home every month if I don’t find renters. Curious to see if anyone think this is risky or a normal thing to do in an expensive market?

It’s Tech Talk Tuesday! Share your favorite program / system and how it’s help you elevate your career! I’ll go first…Trello is a free project management tool that helps you organize and optimize tasks. I use it with other tools (google forms and tmetric) to curate the creative brief process, plug into a production pipeline, consolidate and streamline communication, and track status / hours at no cost!

When you get stuck in a deep deep depression how do you start coming out? I’ve been drowning and trying so many things since May last year, but it’s May almost and I’m worse than ever.

Tell me it’s ok not to want another child. Tell me that having one kid is enough and he won’t regret not having a sibling. I am not mentally ready for another child. I’m 40 years old and I’m just done. I like where I’m career wise, life wise. I feel horrible about lying to my spouse. But I can give so much more to this one child than to two.

My therapist just told me I'm depressed..do you ever feel like they tell you things you hear a lot or could have figured out on your own? Like take care of yourself, it's ok to feel such and such, etc. I'm still newer to therapy so wondering if that's the common experience? Do you ever have moments where you're like wow that actually is eye opening and I wouldn't have gotten that from reading self help books and websites etc?

Just accepted a promotion to be the manager of a dying department. Long story short, either way I’d be doing two jobs, so I accepted the position for more money/title. I can’t make it through the day without having a mental breakdown. Been doing both jobs for 3 months but just officially getting pay/title this week. How do I explain to a hiring manager why I’m looking so soon?

Is it just me…or are people more overly bitter these days? It seems at every corner every person I talk to or encounter they are just bitter…

I was just let go from my company.
I had a feeling something was up, but didn’t think it would go down like this.
Trying to keep my head up but I’m so so disappointed and I know that the depression will hit soon enough.

Today I learnt abt Quranism. And I'm genuinely frightened by it. May God guide us all and forgive our shortcomings.

Any Bain 🐠 willing to refer me in?

Are there any good therapists in the city for Asian Americans? The therapist does not need to be Asian but someone who understands the culture.. If they work remotely that works too!

Andrew Yang for NYC mayor. Media hates him but I love him..

Cheap moisturizer + retin A vs expensive moisturizer: which option?

Anyone working in construction engineering or construction firm? Looking to refer my spouse.

What is average Hike % in Nielsen? and in which Quarter they will be rolling it out?

Looking to lateral ro @Kearney in the new year in the digital transformation group. Can anyone share insights on case specifics? So far i have been practicing standard market enter and revenue/profit analysis cases.

Turnover in analytics and research groups seem common but lately it has seemed higher than normal. Anyone else experiencing this at their agency?

Thoughts on the Charles schwab high yield checking account?

What is everyone’s take on splitting the bill on a first date if there’s zero chemistry and you know there won’t be a second date? As a guy I always pick up the tab on the first date, but starting to question whether that’s too old school.

15k in savings. Living in NYC, 2 years out of undergrad. No 401k setup yet or other investments... where do I start?

Anyone in Atlanta has a location, area that they have invested for renting purposes ? Everywhere I am looking has hard permits or some other requirements which are not easy to put up for rent after buying

Former gov staffer, should I move my TSP to another account? If yes, where/how?

Heard it was good to leave it there because of the possibility of returning to govt.

Tons of dips today, are you ready to:
💡 stonk shopping
💙 selling off
😆 holding/have other plans

Has anyone purchased Ramit Sethi’s advanced personal finance class?

Anyone part of an investment club that’s accepting new members?

Anyone tried Copilot? What makes it stand out above personal capital to justify a cost?

I am within my first year of salaried pay and am looking for ways to begin investing. Any advice? For context, I only have money in the bank and as much as is allowed for 401k contributions - nothing else so far.

I Bonds rate is 7.12% for the next 6 months does that mean I earn 7.12% every month? Just a little confused. So if I have 10,000 in does that mean I would earn 712 the first month?

Has anyone recently purchased their leased vehicle?

First timer here and since I love it, and it’s way under miles seems like a win, win. Just curious if you reached out to the leasing company first, or if you brought your own financing to the table, and what rates I might be looking at.

Latest buyout quote is for $28k, and I have exceptional credit.

New to investing, have 90k in savings. Should I do lump sum or DCA based on current climate? (I'm 23 and plan to do 60% VTSAX 40% VFWAX)

Thoughts on best (preferably free) credit cards? Thinking of opening another. I've only ever had these:

- Uber (used to be 4% cash back on dining; they've since updated this to 5% uber cash. I never use uber so I let this card expire)
- SavorOne from Capital One (unlimited 3% cash back dining & entertainment; 2% groceries)

I mainly spend on dining, groceries, gas, and online purchases (amazon, target). Maybe travel when things calm down but not right now.