Best robo investing platform? Current shortlist is SoFi Invest and Betterment. Trade off right now is no management fee vs tax harvesting

What are your thoughts?

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

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)

Have you received the salary today? Got the mail now but no credit yet in account 😕

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

What % of post-tax income do Londoners usually spend on rent?

Offered 6.2k per month post-tax and thinking of spending 2k on base rent, single household. Does that seem reasonable for someone who wants to save and invest?

Anybody know what's up with QS?
Good to buy the dip? They down 40%

What does 401k mean?

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Hi there. Has anyone here invested in a manual car wash? If so, how profitable is it realistically and also what to look for when buying one? Thanks in advance:)

Chase Sapphire - still the best out there?

If I have a traditional account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Will pay taxes on the amount that I Withdraw that year following the Tax bracket rules at the time of withdrawal correct?

Conversely,
If I have a roth account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Could I hypothetically withdraw the entire account and not pay taxes in a single year?
Ex. withdraw 10M

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

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.

If anyone could answer this with accuracy, they wouldn’t be on Fishbowl but any guesses on when our 401k balances get back to where they were? Two years, five years? 💰

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

I have two mortgages, one at 3% and one at 4.25%. Is there any benefit to paying either of them slightly higher than the minimum payment requirement (ie, maybe like $200/month more)? Additional factors to consider, my HYSA currently yields 3% and I am looking to buy another property in about 2 years and would prefer to not sell the either of the two properties currently on mortgage.

My husband and I are young professionals, with a newborn, looking to buy a home in Los Angeles. I work in Century City. Where are young professionals with families living in LA these days?

Hey Fishes,

Will ECBA (Entry Certificate Business Analyst) certification by IIBA be helpful to me in my career ?

My background-
* B.E in Computer science
* MBA in Systems and Analytics (2019-21)
* It's been 6 months I am working as an Analyst- Data science at Infosys

Best Hyatt in Hawaii (ideally Kona or Maui)?

CS Go anyone?

Hello Fishes,

Which Is better company to join for optum or ey?

Thanks

Does anyone know how to create tree file list on unix? For example, i have folder 1 and in it there are 2 sub folders (folder2 and folder 3), then in folder 3 there is another sub folder called folder 4. What are the quick steps and commands needed?

11 likes to enable DM ! Please help

Hi! My peloton is arriving tomorrow and it’s motivated me to stick with a routine and eat healthier given how much that thing costs 😅. I’ve never done pre/post workout shakes before. Does anyone have any recommendations on which protein powders to look into and when to drink the shakes? And also like what to mix with it? Thanks in advance!

This bowl is so quite, I was hoping for some good advice.

9 more weeks of lockdown, at least. How are you all holding up? It’s not easy.

eb1, 2,3 ,5 all seem backlogged .. May have limited knowledge of gc process..but does it mean unless there’s a major change in policies, there’s no real chance of GC for Indian born immigrants now?

Has anyone heard about layoffs in PwC? And is it in PwC india or PWC Ac?

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

Hi All,

Anyone travels from wakad to magarpatta for job? What if i get good offer from magarpatta but i can relocate ? Shall i go for it?

Can’t tell if I’m developing crushes on my coworkers only because they’re the only people I interact with (on zoom) in quarantine 😬

Hey Nagarrians,

I have a crush on a girl in our office...
We sat together earlier in March once in office, but didn't talked to her much as she was with her team mates(she is in another team/project)

We follow each other on yammer but not sure if she still recognise me.

How to initiate conversation virtually with her?

Help!!!

How do I easily find any cells that are hard coded vs formula? I have 10,000 rows of data and column F is supposed to be a formula based on columns C and D, without clicking into all 10k cells in column F how can I make sure formulas are there and not accidentally hand keyed over?

Still in a pandemic. Hiring freezes are still in place. Seeing a lot of local businesses go under. Do you think things will turn around in September or get worse? Do you think there will be more layoffs or terms “due to performance” and more businesses lost?

What stocks are you betting on for 2018?

So a lot of hate towards Whole Life Insurance, could someone please explain why they are so bad? Thanks

Deloitte Fishes, I am 38 and want to allocate my 401K. Based on review so far VTI seems like a good option but I don’t see it in the menu neither do VTSAX. Can you help me pick the right allocation?

Just starting to invest, should I make an account with Vanguard or Fidelity?

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

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

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Thoughts on SoFi bank?

How old were you when you bought your first home? How did you save for it/set reasonable budget goals?

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

If a company matches 50% of 401k contributions to 6% of salary, does that mean they’ll put in 6% if I put in 12% or will they put in max of 3% on my 6% contribution? Curious what their wording means

How did you go about starting your investment rental portfolio? Single Family Homes? Multi-Family / Duplex+? Any and all advice appreciated!

Father who’s living in my home country is transferring an apartment ownership to me. Should I be worried if this is some sort of a signal, maybe about his health? Also what do I need yo be aware of legally and financially?

New to investment and have saved 50k from my job. Is putting them in ETF strategy till I learn more about investment?

Guys, tell me the top 2 stocks to buys for long term (5 years) according to you. Will be investing in stocks for the first time, as it is impossible to resist these low stock prices

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

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?

Did anyone get a jumbo loan with less than 20% down?