Currently have four personal credit cards and considering closing the newest one that’s the delta gold card (1 year old). For the long term, should I keep it and downgrade for the time being or cancel altogether?

Any recommendations on where to invest 10k? I have about 15k in stocks but I don’t think I’ve done a great job picking stocks. Also for people making 150k+ how do you budget your money monthly?

Is it better to get credit at closing or lowering the overall home price?

seller is offering to lower the cost or give credit to fix the flooring

When contributing to a 529 plan in PA, in addition to being able to deduct PA state taxes on the contributions, can we also deduct the Philly city tax?

Why does insulin in the United States cost 10x what it costs in Canada?

Just got a little tipsy and impulse-bought a $2,000 82” tv. Hope it’s worth it.

Any realtors in this bowl open to chatting?

Buy/lease now or defer to Q1-2023?

My car broke (engine seized, 10y old). I am interested in 530i ($62k price), however 3year lease is $1,000+ monthly (with $5k down). Monthly lesse payment is 50% more than bmw advertised offers (“south FL dealers are not participating in the program”)

Q to car gurus/experts- should I defer purchase/lease for 6 months? My logic, the impending recession will reduce demand and we will go back to more balanced market (lower prices with negotiation).

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

Are we on recession? My portfolio is super down - low cost ETF investor here

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

I read these posts and what numbers you have with FIRE. I don’t have nearly that much saved; I am paying for two kids in school (college). What is the minimal amount?

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

How is Austrian Air and Air Canada? Solid airlines for economy seats?

Male:

Cannot find a solid backpack (gotta lug 3 laptops) that looks professional and tough enough for frequent plane travel.

Does anyone have any recommendations for me?

26th Sept - Advisory Odyssey
Question to Leadership of PwC India - Do you think people would visit a hotel(4-6 PM) just for high tea?
No Lunch, No Gifts?
Why have you even wasted money in booking the hotel, just for high tea? Do you think, people would care about the townhall & go?, if you just give high tea?
Seriously man! I don't even know, why PwC is even coming under Big4! Shame!!

What are some things to look out for when buying a house? closing fees, penalties, refinances options, inspections,....

Has anyone worked on the creative team for Hilton corporate? As someone who loves travel (and Hilton hotels) this always appealed to me. Wondering if anyone can shed some light on the reality of working there.

I have booked my h1b visa appointment in sept. Does my visa date effect due to travel ban until dec 31st . I am hoping I could get stamping done and enter US after travel ban gets lifted.

Favourite money saving hacks? Signed, Broke in New York.

Hoping to get my PHR in the next year or so. Outside of employer reimbursement, are there other opportunities for this to get funded? I know SHRM Foundation offers scholarships for the CP, but I am looking for PHR specific help. Thank you! :)

Accenture folks, seeing lots of news about layoffs at other firms here. Are we in the same situation?

I've established some great relationships internally, but I'm struggling to build a solid external network. Any pointers?

When u short a stock and then they wildly miss they earnings expectations

The account dropped the register down the flight of stairs and it shattered into a million pieces. Fear not the account says, for it was already depreciated to $0.

1000$ rsu is equivalent to how much Indian Rs ?

#1) 1000*(USD value) or
#2) 1000 * Qualys stocks ( 130 USD)

Could you please clarify rsu calculation ?

I like to pursue in the data science field. I have business Analyst experience but to switch to data science field could you guide me on what should I learn? Where should I start?

Currently work at Moody’s as a credit analyst trying to figure out what are good exit ops, if anyone has any advice please let me know, feeling pretty stuck right now

I’m so happy this bowl exists 🥹🫶🏼

Do you think a teacher dating/marrying another teacher is an ideal situation?

Need referral... Can join by mid november.

Folks! Quick question related to email etiquette. What's your favorite sign off?

I'm looking for some recent articles on social media best practices. Namely, why a client shouldn't use logos or brand names in organic posts. Any suggestions?

Hello!
I'm italian, 26 yo and currently working in France as financial analyst.
Work environment is great, friendly and multicultural but I don't like the job at all.
Personal life is not so nice since I manage to see my family and gf every 30/45 days only. Colleagues have their own lives and at the end we don't hang out much.
My dilemma is:
A) going back to Italy at a lower salary with less growth opps but better personal life or
B) Switching my job here and hold on

What would you do?

Thx! :)

This bowl is so dead y'all. Let's bring it to life 🎉 who's got fun plans this weekend?!

what are the potential start dates for EH associates at BCG?

Can someone help me understand the advantage of Backdoor IRA. In my case, I don’t think My taxes will be higher in retirement than they are right now (32% tax bracket currently)

Thoughts on still living at home with your parents 2 years out of college to save money on rent? At what point should you go out on your own?

What are your thoughts on Baidu as an investment?

Advice & resources? My spouse and I are starting to make good money (ages 28 & 31, $105k & $70k) with $10k in savings (we were hit hard financially this year) and 2 car payments.

We live in a cheap apartment ($1.3k) that is sh*tty. Don’t quite have a down payment (especially not in ATX). Is it dumb to rent a house for a year at $3k/month while we save up again?

We both didn’t come from $ and are figuring out how to not be idiots 🙃 tbh we would prefer to rent forever but that feels dumb???

Will the market continue with its usual bloody day?

Any tips on negotiating apartment renewals for large buildings? Just got a renewal offer for my 2BR apartment… it’s 20% higher than my current. I can afford it but damn that would be a bummer

Hello all!

Am I correct in my understanding that:

Over a certain income ($76k as of 2021), a single person CANNOT make tax-free contributions to a traditional IRA if you have a workplace retirement plan?

In my example, I have a work 401k, and my adjusted gross income is over (or just about hovering) at the 76k limit. This means I can't make pre-tax contributions to a traditional IRA, so I should just go for a Roth?

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Anyone using services like Motley Fool or Seeking Alpha or any other paid service for stock recommendation? Looking if they are worth it or not

Is there a calculator that I can put in all my investments and see how it works out in 50 years? I know each brokerage has their own projection thing, but just wondering if there are any other tools where i could combine everything?

What happens if I over contributed to 401k because of a job change ? How do I adjust ?

Has anyone built their Real Estate portfilio without debt and used cash to purchase properties? Curious to see if there was a specific approach that can be taken to do this?

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

What might be the ripple effect in real estate? When is a good time to get in?

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

On average, what % of your lifetime savings should be directly in the market (MFs and ETFs)? This is excluding 401k, Roth IRA etc

Dental insurance question: if the company dental insurance doesn’t cover enough and you +spouse both need implant next year, could you buy additional dental insurance? From where? Anybody have the AICPA offered one? Thx!

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)