Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

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Posting as :
works at
You are currently posting as works at

VTI types (similar to above suggestion)

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Just dump it in SPY or QQQ

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So what percentage of your income do you spend on housing?

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Looking to buy a practice in the St. Louis, MO area if an advisor is ready to consider retirement, could transition over 1-3 years as desired.

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?

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Looking to support a new APIA founded startup? Well look no further!

Have you ever found something online and thought "... if I buy this, what about my anniversary gift, that trip to Europe, the car I always wanted..."

Well I have and founded Okane (money in Japanese 🤑)

Okane is a free Chrome Extension that focuses on goal-based budgeting. We track your wealth and help you save for your future goals while avoiding impulse purchases, right as you shop online. ( okane.crd.co)

Lmk what you think!!

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Big4 Partners: could you provide some insights into how the Big4 pensions work. Assume one becomes partner at 40, and then retires at 50 after full vesting, how much annual $$ you get after retirement?

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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.

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Curious of the retirement benefits at your firm...go!

Deloitte: 1.5% salary match paid out once a year, fully vested after 4 years. Defined benefit pension plan, fully vested after 3 years

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Is there any good reason LMND went up $33 in one day?

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My goal is to save 300k by end of 3rd year. HCOL. Do you think I can do it? Or maybe 5th year?

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Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

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Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

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Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

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My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

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HYSA anyone recommends?

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Is life insurance a priority to anyone at the moment, and if so why is life insurance important to you?

It can be impossible to deal with financial losses due to declining health or unforeseen circumstances by not having life insurance. In these cases, the solution to your debts (that can affect the financial stability of you or your loved ones) may fall within the category of life insurance.

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Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

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I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

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Buying a condo with an HOA - what’s the average reserve % you’ve seen? My HOA is 23% funded, and recently raised dues.

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Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

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im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

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I can’t stare at this SOW anymore, but I have 24 pages left and it’s due tonight.

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Hi Guys,
I am looking for a job change, looking for postion of QA lead, Automation lead, Test specialist or SDET .
My skills include: Java, phyton, selenium, rest API, Database knowledge, CI/CD( Jenkins), Git, TestNG, performance testing , basics of docker.

Kindly refer me in your company, comment below your email id, I would send you my CV.

Your help is much appreciated 😀

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Should I continue my career in SAP or switch to data / business analytics
Yoe: 1.8 Yr

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Today is joining day. Nothing happened. Onboarding is said to be virtual but no link was received. Any one else having different experience?

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For those in NYC - my favorite second hand luxury reseller (based in Paris) is in NYC next week for a pop-up. Their service is super professional and their selection of products is great. If folks are interested I am happy to add their info. I’ve been selling and buying from them since more than 5 years and have always been super happy with the service so wanted to share the tips ☺️ (not an ad, and not sponsored)

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Any plays on FL (Footlocker) ahead of their earnings report tomorrow?

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Hello Guys, Welcome to this group. Here you can post all available Salesforce freelance opportunities.

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When algorithms need to learn their target audiences better...

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likefunnysmart

Well, this is clearly going against the spirit of this bowl! This bowl exists for people who are pro at being comfortable in it without talking to anyone and still liking them all.

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funny

Hi Folks. I have the below offers.

@Harman: 23.4 LPA fixed + 1.88 LPA variable (total ctc 27 LPA). Client side Mercedes Benz. WFO.

@Accolite: 26.5 LPA fixed no variable + 50k JB. (Total ctc 28.34 LPA) Fidelity client.

@Nihilent: 24.56 LPA fixed + 2 lacs variable + 1 lac JB. Work location is pune & I need to shift from bangalore to pune.

YOE: 9y9m Role: Scrum master

Kindly advise and provide your opinions as to which would be a better deal in terms of company benefits job security & WLB

After you moved in-house, how did you get more comfortable reviewing contracts or counseling on issues you weren’t super familiar with? I was very specialized at my law firm and took a similarly specialized role in-house….but I still get requests to mark-up types of agreements that I never touched at my firm. I’ve been trying to find CLEs to get up to speed, but I’m wondering if this is generally something that gets more comfortable with time…

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Since this is an open forum where we can be honest, I've assembled a list of billable litigation tasks that can be done from a playground: Conference calls, File review, Fly on the wall depositions where your camera is off, Zoom cattle call status hearings. Any other suggestions?

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Hi everyone

Does @Cisco system india provides onsite opportunity for employees?

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How is hotstar work environment for devops profile?

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Hi. So grateful for this bowl! I’m 16 months sober. Fairly new to ACN just curious what types of challenges you’ve faced and how you’ve overcome them?

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Hi fishes,

Anyone joining infosys on 10 oct 22. Post uploading the documents on launchpad what we need to do ? Directly report to the joining location or any link will be sent to pre onboarding

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How does AirBnB promote acting ethically amongst its rentals? There are many rentals that skirt their local laws and fail to procure the proper licensing for putting their property in AirBnB. Does AirBnB have any proactive measures in place to ensure all local rental licensing laws are complied with? Is it ethical to be willfully bind of this issue?

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Anyone know the rough price of WiFi on American Airlines flights

Chewy TUMS: These look so good but its not clear to me if its halal. How do you determine from these ingredients? Especially when the first ingredient is alcohol ammonium which i know its not alcohol but any clarification on these ingredients would be appreciated!

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Additional Posts in Personal Finance Bowl

Google stock to buy now or after the split?

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Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

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What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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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?

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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.

Any good wedding ring sources aside from Blue Nile?

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??

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Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

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

uplifting

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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Paid off my account debt!

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I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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Anyone have a recommended tax person in Chicago?

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Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Best high yield savings products?

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I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

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