Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Does anyone else think we should start investing in more light rail systems to cover some of the distribution problems we're having? I think it might be a good idea. Anyone have any thoughts about this?

Any metaverse coins I should be looking at? What’s the next big thing? Have a few grand to gamble away.

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....

Have 50k in brokerage to put towards buying a place in Atlanta. Young 20 something who's lease is ending soon

Roth IRA and 401k are well funded but don't want to pull from there.

Should I buy and rent the extra bedrooms to friends, or stay renting and put savings in stock market?

Considering getting my license and starting off as a real estate agent. I've always loved real estate, house flipping, interior design. What can I expect as income and time commitment as a brand new agent with no book of business? How hard is it to get established and become well known in my area? I'm in the Bay Area. Anything else I should know before I quit my job and persue this dream?

Is it wise decision to invest more than 3% in PPP. Now a days cgi share price is growing rapidly.

Any thought on individual contribution(more than 3%)

# CGI

Hi fishes,

One different question 😅,
Is it possible to live in metro cities with 95k / month of salary (no debt / emi to pay)
For a couple without kids and parents?

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Is it good to invest through fisdom app in mutual fund or suggest better way

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

I have 60K that I’m wanting to invest using a roboadvisor Better to use Fidelity’s low fee ETFs through Fidelity Go or Vanguards ETFs through Betterment?

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

What kind of gifts are given at fidelity investments during year end?

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)

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Sold all of my holdings yesterday. Don’t see this bull market holding for another week. What are other fishes doing?

How many policies a month do you sell?

Am I the only one frustrated w what’s going on w the state and what’s been taken away. It’s as if I’m taking home less than I did 5 years ago and on paper I’m technically making more. It’s sad.

Has anyone done Uber as a means to keep bills paid while in transition? wondering if this would be sufficient financially

I need a magic spell to make employers stop asking community managers to design, manage ads and create strategies. As you read, a CM is in charge of your COMMUNITY. They're should not be doing the work of 4 people.

I’ve started a new job and though they have a community, it has been stagnant for a long time. Would you face the change directly with a “we’re back!” style post, or just increase the activity without acknowledging the absence?

Am I the only one who gets offers from clients with crazy unrealistic expectations about how fast a page can grow? Like no, sorry, I can’t get you 100,000 new TikTok followers within a month.

What diwali gifts/goodies we can expect from cognizant this year?

We talk about keeping rigor in our classes, however I’m finding my HS students need straight forward instructions. Most students are struggling to meet their Maslow’s needs that to use higher Blooms seems like a stretch. How are you all supporting creativity and originality in artwork when kids are struggling to keep afloat?

New to this bowl!! The bowl doesn't look super active tho😔 is there any place in the downtown area where I can get tennis lessons? Never played it before

Hi what all we need to do before joining ? I have taken the print out of all the forms that we need to submit but do we need to mail them to someone or do we need to submit the hard copy of that.

Nothing worse than an analyst who thinks they know everything and can't think big picture - neither can you take direction nor do you understand broader context around said comments

When you realize the greatest value add you can bring to the deal today is picking up everyone's lunch

For those who wake up at 5,6 or even 7am - how do you do this in this cold, dark, hopeless weather? Any tips for that? I wake up with my alarm but it's so cold and dreary and annoying that I go back under my sheets....

Is Deloitte Advisory filing H1 B renewals uner premium processing?

Is there any benefit to answering the EEOC questions? I always choose the prefer not to answer option, but I wonder if there is any benefit to provide an answer.

Anyone From cvent tech team here?

Do you all ever give yourself new job resolutions (like new year resolutions) when you start a new job?

What do you think some good ones would be? Like better file organization, set boundaries, etc.

Anyone successfully take Short Term Disability for mental heath? What did you need to provide?

Is anyone landing new biz these days? If you’re landing new projects with existing clients, that’s interesting. But what about new logos?

Have 20k, what’s a good small business to start with this fund? Serious question here

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

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

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

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?

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

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

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!