Can someone please recommend some really good books or maybe anything that'll help me learn about easy finance( how to save and spend)? I am really bad at it and it's time for someone my age to start being smart.

Any advice or recommendation is welcome and appreciated.

Thank 🙏 you.

When do you all think it’s time to exit to take your startup on full time? Is there a certain income threshold you’d want it to hit combined with personal savings? Other than insurance, what may be somethings I’m not thinking of in making a plunge? For context, 2 workers, my wife does almost everything now and I assist at nights and weekend. It’s grown from 200 a month to almost 2k a week of profit over the past five months. Has been increasing from 1.5 to 2+ over the past 3 weeks. Contd

Thoughts on a HYSA vs Vanguard Money Market Fund. Most HYSA are at ~1% and Vanguard MMF is at 1.3%. Should I park my money in a MMF long term, even when banks raise their interest rates?

Thoughts on Arena Investors? Reputation, performance, culture?

Also curious of the implications of a firm structured as a HF but investing like a PE?

How long did it take you to reach 800+ credit? I have a total of 4 credit cards (averaged 2 yrs) but always seem to hover at 750-780

It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

How much of your income (%) regardless of savings rate would you spend for a house renovation?
We are moving into a house but it needs to be remodeled. Finally no more rent and no mortgage

Does anyone have any tips to maximize miles when getting married? We currently only have one card that is the same. Does it make sense to add her to all of my other cards as an authorized user? Any tips appreciated

My colleague just told me they never filed their state tax for a state they travelled to for 2-3 months last year. They didn’t know they had to, they self filed their taxes. What should they do to

Guys ..
When will final settlement take place? What will be the components of it?

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

Big IPOs dropping this week (Airbnb, Door Dash, C3.ai). Is anyone excited to buy?

Creating a 529 for myself before having kids…Should I setup a 529 for myself?

I don’t currently have kids but probably will in the future (31M, single now). Alternatively, I may go back to school at some point, or I’d be happy to disperse/gift the $$ to my nieces and nephews too… what’s my upside/downside?

What options trading level do I need to do cash covered puts at fidelity?

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

Does anyone mind sharing how they are saving for the future? Or just securing yourself? I have stocks/bounds, 401k, regular (1) savings/ (2) checking, about to open a self found Roth IRA. But, what else am missing? Should I do a health found? I’m also starting a bit later at 34, so I feel like I have a lot of catching up to do. Any advice?

Can someone explain whether you’d buy altcoins as a ETH pair vs a BTC pair? Does it matter?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Moving to Bergenfield NJ from the city but will still be working on the city. Am I gonna get taxed twice ? How do NJ taxes compare to NY/NYC taxes?

To do an ERA or not before transfer is the question. My clinic said currently the recommendation is to only do an ERA with multiple transfer fails, but I’ve read about ERA’s for those with recurrent pregnancy loss as well. Anyone go through this experience?

Hi All!
This is my first post in Fishbowl, I'm looking for some genuine guidance on below query.

I have a total of 8.1 yrs of development experience in Java, Bigdata and Hadoop (new to it).
I got an offer from Capgemini for Manager/C2 designation with a CTC of 24 LPA. I just wanted to know the roles and responsibilities at this designation.
Will it be a profile shift from technical to managerial position or is just a designation (as per HR) the actual job would be to lead/guide any team?
Thanks

Offtopic: Please suggest some good noise cancellation earbuds.
Budget around 3k can go up and down if it's a good deal.

Anyone find it difficult to balance family/friends when you get a chance to squeeze in a weekend at home? I feel like I'm losing touch with a lot of my friends, but still...family first, right?

Tips with dealing with imposter syndrome as a minority in finance?

What are the benefits of being licensed in multiple states? Do you use all of your different law licenses at least once a month?

Asian straight hair males - What is your solution to haircut? I’m in river north.

Does JP Morgan email the initial offer after final interview or does the recruiter call?

I feel like I die a little inside every time someone cites Wikipedia instead of actual research

Who all are going to AYDE for Kolkata in June ? And on which date ?

Any update about office location? Also fishes, if you could suggest good localities/societies, looking to rent a 1bhk, new to Kolkata. Thanks!

I went to a nearby mall with family.
There’s this toy train in which kids sit and train runs on the floor.
I envied the job of that train driver. Kids smile at you, say bye to you!! Even if you bang into someone they gonna smile, and not escalate..

My Big4 job is making any job look coool!

How high can google go on signing bonus ( currently $25k) and equity (currently $65k) for L4 position.. total exp 4 years .. should I negotiate?

Does any Googler want to do a mock interview with me for system design?

Does Google value FAANG experience over consulting? Say if a person is trying to get into Google from Apple, will it be considered easier?

How often are hiring committees? Does it depend on the group?

Where do you buy dogecoin?

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

When is the right time to buy a second home (primary investment/ secondary vacation home)?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

Do any of you save specifically for vacation every year? Husband and making a case for saving about 10% for yearly family vacations. We currently save or invest 40% of our income. Thoughts? Best practices for yearly vacations?

I’m aiming to retire in 30 years, my current asset allocation between all my investment vehicles is 10% REITs, 10% Int. Equities, 10% bonds, 20% small cap equities, and 50% S&P 500. They are cont...

Dumb question but anyone know what’s going on with KO in 2021? End of 2020 had stock approaching $60/share but then it crashed below $50 in 2021.

Does anyone invest in crypto ICOs? Based in US, looking for a good platform to invest through

I’ve been using CoinList, but lately all their ICOs exclude US - so maybe we just don’t have many available to us anymore

Are there any youtubers you would recommend for watching for stock picks advice?

Are Vanguard target funds good options to invest my 401k money in?

Thoughts on the Marcus Investment robo advisory rolled out by Goldman a few weeks ago? They charge low fees which is great, but I have a hard time seeing what makes it different than others.

Really struggling with where to invest a few 100Ks (depreciating in the bank currently) in this market. Everything is at historically high price and it seems like I might just wait out for next large dip in 5-6 months vs investing now? What is your advice? Any stocks/ETFs?

Thinking of moving $10,000 out of savings into a Vanguard mutual fund. Any recommendations for allocations? This $10,000 would most likely be used as part of a house down payment in the next 5-6 years

Any recommendations for total market index funds? Thanks!

Does anyone put money into CDs anymore?

If I make $120k base and have 50k for down payment, what should the house price be?

Just passed $1m net worth and thinking about umbrella insurance. Any recs for carriers/strategy?

Alright, who’s going to short GameStop? +80% in intraday trading, +600% as of 2021. Per WSJ - the bull rally is fueled by individual investors encouraging each other to buy the stock.

How much hard cash do you all keep on hand?