Best app : Mint, Personal Capital, other?

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What functionality are you seeking?

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Ability to create wealth

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Personal capital is awesome

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PC is good for seeing money come in and out, and seeing total NW (even tho it subtracts the cost of my mortgage but doesn't add the value of my house 🙄). Mint is better for actual budgeting.

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Agree with Apple 1, the higher my NW is the easier it is for me to pick women up at the bar.

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PC has been usually better for my uses, but Mint has blown it away in terms of account aggregation, speed, and compatibility with different financial services...

I wish PC would step it up. It syncs my data at least 10x slower upon refreshing the data and more often than not, there's a syncing issue with an account I use, which is a known issue to PC and takes weeks to resolve itself. Most importantly, Mint actually keeps my financial data. I use Ally Bank and they only sync 18 months of past data. PC synced to that time period exactly and didn't retain data beyond that. Mint has kept retained all my data. This is important because I can compare expenses year over year easier.

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What salary level did you have before maxing out 401k contributions?

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Do people here expect to see another dip soon? I put in some more buy orders for btc at 30k, eth at 2000. Couldnt buy as much on the previous dips because out of cash. But tax refund just hit the bank today. 😊

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Dear IBMers,

Anyone was in HCAM assignment to Germany?
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Best platform to use for a Roth IRA?

What are good areas to invest in the Middle East (stocks, certificates, real estate etc.)? Open to hearing about both low-risk and high-risk asset classes. For people who invest in US / European markets, what platforms do you use?

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How to make best use of the limit order?E.g. do you place a limit order with a bid of $370 for Tesla & leave it on for 60 days window& purchase whenever that happens?trying to wrap my head around this

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24 yo and pretty new to / nervous about investing — I started maybe 3 months ago and have been pretty successful (haven’t we all). I have $8k in stocks plus other retirement investments. Wondering if I should be investing more... How much of your total wealth should be in stocks versus just sitting in a savings account (e.g. as an emergency fund)? Thanks in advance!!

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I want to learn how to trade because I do feels is the future of economy, so I have been trying to find a mentor in whom imI can trust my learning journey and investment. However, every time I stumble upon swindlers and/or people how are just interest on me making an investment for their company and not to teach me.

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My CFA (NW mutual) is suggesting I put my capital in American funds. I pulled out of a 529A for my daughter that had a 5% front load. I’ve played a bit with robinhood, but I want to do some adult investing and I don’t have time for real estate management. 1) why does anyone bother with American funds with the absurd fees over vanguard 2) am I looking in the entirely wrong place? I want a good place to put my bonuses YoY and a small sum monthly. Goal is cash flow in 20 years.

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What is driving this weeks market dive? At least for tech stocks

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Any recommendations on JV funds, hard money, private equity etc to fund MFC deals and great residential deals brrr/flip. Finding some great deals in my local market. Any tips on raising capital or attracting investors?
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Does anyone know how does the supplemental income work for new CAs?

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How old are you and how much do you have in your bank account right now?

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Best low-fee (<$150) credit card for everyday spending if you wish to only keep a single card (E.g., 2% cashback on all purchases)?

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What are investment property rates now? Live in NJ but looking at potentially buying in Phily. Budget ~300k

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What does everyone think of the current Austin housing market? Looks like prices are finally starting to come down a good bit (not that that means much in terms of monthly payments bc of interest rates). Do we think we’ll see a steady decline going into 2023? Looking to buy sometime in the near future.

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Brian Kelly of fast Money CMBC says cryptos tied to regulated companies will do well this year- tzero, polymac and liquid M

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Thoughts on these?

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Restaurants, bars in Cleveland? Thanks! Staying at the Ritz if that helps.

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ASL + Height thread. Let’s get itttt👀 F, some age, STL + 5’6

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Is it good to hpe seeing current layoffs. Is there good work life balance? Job security?

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Hi guys! I was laid off by one of the leading IT staffing companies in Atlanta. I have 6 months of experience as a recruiter in addition to a plethora of different management and customer facing experience. I am avidly looking for a new opportunity. Ideally I’d like something 100% remote or hybrid to Atlanta. Any pointer? Anything could help.

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Anyone have advice for starting a new job remotely? So grateful to be starting a new job during this time- thanks in advance for your help

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Thoughts on hashgraph?

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Hello Fishes,

Have offer from Deloitte USI, Accenture and PwC India. Deloitte giving more package than others. Which one is better considering S4 Projects(Development), Exposure to new technologies in SAP ?

Skill SAP PPQM YOE 3.8

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1.Wipro will give any hike after completing probation period of 6 months??
2. And is there band change will happen after completion of probation period?
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I recently received an offer from a well known org which is ready to give 100% hike from my current CTC.

I am having 3 YOE and current CTC is not sufficient enough to apply for work permit at onsite. Team lead said to wait for a couple of months then he will talk about early promotion and will try to get the opportunity.

Should I leave all other thoughts and accept the other offer as the process of early promotion and visa processing will definitely take a whole year?

Should I negotiate a signing bonus? Received a v30 written offer. I went in house for a year in an unrelated practice so they are bumping me down to 3rd year pay scale (which I’m fine with). They are paying moving expenses and giving me 6weeks leave to take the bar. I feel like that’s a lot of expenses. I was lead through the process by a partner, very little contact w internal recruiter (other than scheduling). If I request signing bonus, do I reach out to the internal recruiter or partner?

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Is lynching really still a problem?

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I went to a Rolex AD yesterday in London to reserve a watch. They told me between 1st Sept to 4th Sept Rolex would release new lines. However, it will only be some updates to OP. No new SS modes as far as he knows.

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Looking for product managers and software engineers open to working in big pharma?

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I’d like your input about a company change. I currently work at a midsize tech company as a Mkting Manager. A recruiter from a tech startup reached out to me to offer an Associated Director position, working directly under the VP. I like what the startup does, and that is a position I’m interested in and it would take me a long time to achieve at my current company, if ever but I’ve never worked for a startup and I’m worried about the environment. If I get a good offer, what should I do?

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Could you all please suggest or share any tips/key things to prepare for an upcoming AWS Partner SA, Security phone interview. Already prepared for LPs. Thank you.

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Additional Posts in FIRE Financial Independence Retire Early

I have a chance to buy the lot behind my house which would be nice to have for privacy, space etc. the seller is a bit unrealistic on price but with the market turning maybe she’ll become more reasonable. If I buy it I may have to pull back on my 401k contributions for a year or two (max now, would still contribute to match). I’m wondering what the hive mind thinks. It seems silly to spend so much on a sink asset, but theoretically I could sell it later and it is probably a one time opportunity

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Is there ever a circumstance where it makes sense to buy a home if you’re not sure you’ll be there 5+ years? What criteria would need to be in place for it to make sense to do that? Currently renting - paying too much - lease is up in Summer 2022 and trying to decide next move. See some townhomes for sale that look great and mortgage would be less than current rent.

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With interest rates set to rise soon(ish?), does it make sense to sell my Bond funds in my 85-15 portfolio and then buy back later next year?

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Has anyone ever utilized their company’s sabbatical program?

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If you’d never, ever take a sabbatical, would appreciate that insight too.

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What are some good side hustles to do if I feel behind in my FIRE journey?

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Variable or fixed mortgage rate would you choose in this economy?

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MBR question. I’ve never done one. Currently contributing ~$1000 into taxable per month. max 401k, HSA, Roth IRA. Company plan allows after tax contributions and in service distributions, so I think that means it’s a MBR green light. My plan is at empower so everything is done on paper, very cumbersome process, and there is a $40 fee for each in service distribution. I believe when I make an after tax contribution, it gets invested based on my investment options for my 401(k)? More in comments

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What are some of the biggest lifestyle changes or saving tips that have made a significant impact for you? Looking for new tips!

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Buying my first home and have enough saved up in savings and investments to pay 20% down. Does it make sense to pay 20% down or is 5% the way to go?

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First month of the year is brutal. 50% paycheck contributions to after tax 401k until maxed. Lol

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Why would you RE ? Just curious

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Traditional or roth 401k, and why? Currently making 115k base, 24 years old in NYC

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I am unemployed for a year now. Lengthy job hunting and interview processes already make me lose faith. Have a serious health issue that requires surgery soon this month. Current savings less than 80K and apt rent is 2K/month, so I got anxious over financial security. What would you suggest to achieve FIRE for my case? I am frustrated.

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I’m doing 1-4 on this list and just starting on number 5. Where do y’all invest in terms of brokerage? Just looking to hear others’ breakdowns and approach for brokerage. TIA :-)

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Any advice from a soon to be landlord?

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