Can someone explain the benefit of whole life or similar products? I understand that they are bad for 99.9% of people. How does the 0.1% benefit? Taxes? Asset protection?

I'm struggling to understand why anyone would use these at all. Significantly caps your upside. If you are uber wealthy, why wouldn't you continue investing in the market? Why pay the crazy fees for these products that are essentially just 90% treasury bonds and 10% levered ETFs and covered calls?

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

How much do you keep as an emergency fund? How big is your household?

What happens to your shares if you are partially, or not even 1 yr vested at a pre-IPO company and the company goes public? When you continue on your vesting schedule, what price do you purchase your vested shares at?

Anyone looking at airline stocks or ETF play?

How to invest in Direct Growth Funds? I've created a CAN ID using MF Utilities. It asks me to login and proceed but I don't have my login ID generated. Should I wait for more time as my CAN ID was approved only yesterday?

For those of you who made your first million in net worth, what did you do next?

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?

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

How do filmmakers find investors?

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

Hi folks ,

Can you suggest some good residential society near Gachibowli ( 2BHK or 1 BHK ) ? How much should I keep the budget for a 2BHK in that area ?

Thanks in advance.

Goodbye XRP! Thanks for the awesome gains and good luck hitting that absurd $100B market cap 😁

Which consulting firm has the best 401k match?

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....

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Trading Event Sponsorship for Party Rentals! Hey everyone - as a nonprofit we are having an upcoming event and having sponsors for it. We don’t have a huge budget so we are looking to ‘trade’ these sponsorships for table/chair rentals. Since we are a nonprofit are we able to give them the deduction value to claim on their taxes?

Anybody know if and how much I can contribute to my Roth IRA to reduce my 2020 tax liability? I’m trying to pay less taxes but Jesus this pandemic has been great for my law firm and salary.

Everyone says Geico car insurance is cheap . However for me it is most expensive. I went for Allstate/State farm which were cheaper than Geico. Am I missing something?

Use savings to (partially) pay for business school or invest and fully cover via loans?

What exit opportunities exist for international arbitration? I don’t want to litigate, and am a non-American so government jobs (which seem to be what my colleagues are exiting into) aren’t an option for me. I don’t ever see myself making partner (nor do I want to), and I feel totally stuck.

DOGE to the moon?

Who knows of any Radiology Schools or Ultrasound Programs on the east coast that are not hospital based?

I have approved I-140. Indian nationality so priority date not close to current. If I switch employer, does my employer need to apply for PERM and i140 again as soon as I join, to get H1B extensions?

I need 11 likes to unlock DM. Please help.

To BDO people - which is the better practice in NYC audit or TAS/Consulting? Also is there a good mix of public / private clients in this area?

Is there any issue, if the designation at the time of offer is different than that of relieving? Asking because, I am leaving IBM GBS, have told my designation as Senior software engineer ( offer letter had it) to the other company, but got to know that designation IBM will be writing on relieving letter will be application developer.

How difficult is it to get an onsite job with only 2 years of experience?
Tech Stack: .net, javascript

Is it just me or does it seem like everyone in FDD is in for the long long haul? I remember in audit everyone would talk about quitting or how they're only going to do audit for a few years to get experience and then leave. I'm not really seeing the same in TS. Just my observation.

I have got an offer from NTT managed services. Is this completely different from NTT data ?
What is the maximum salary that we can expect for soc analyst profile for a 3y exp

Hello!
U-R-G-E-N-T
URGENT need for (14) Business Analyst local to or would be willing to relocate to AZ.
Client: State of AZ
Deadline: 12/7/2022
Start Date: 1/9/2023

Anyone going to Countdown NYE this weekend? I’m going both days and would love to meet some new friends!

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

29M Boston, athletic fit. Looking for something serious. DM me

How is using char broil grill?

*Ohio* I stepped into a role as Software Engineer (.Net) with no experience at $70k. Six months ago I had brought up the fact I was being underpaid for the job I was doing with now 3 years of experience being the only Engineer on the team and my manager agreed giving me an increase to $90k. My manager is wanting to get me some help and posted a new role modeled after me (3 yrs exp) w/ salary between $88k-$126k. How should I approach my manager about it without looking incredibly greedy?

Can you sell your used shrm cp books from the learning system? If so where?

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

Best HYSA with a good account opening bonus?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

What are the best prep materials to prepare for the CFA Level 1? Looking for some recommendations.

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

Thoughts on Sunrun as a stock investment? Buy or avoid?

What's the best airline stock to get into before the possible travel rebound next year? Do you also get in now or Q1/Q2?

How is everyone feeling about the market today? Buy? Sell? Wait?

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

Is anyone familiar with McKenna Capital? I’m interested in investing in a real estate syndicate and McKenna looks compelling. Hard to tell if they are legit or potential scam?

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Are you investing today?

Is BRK-B a buy right now?

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?