Does anyone have experience refinancing loans with a personal line of credit from First Republic Bank? They quoted me (770 credit score) at 7 year, 2.25% for 160k in debt. The catch is: (1) my rate rises by 2% if I don't setup direct deposit to their bank, (2) the rate rises by .5% if I don't maintain an account balance equal to 10% of my loan balance, and (3) the rate rises by .25% if I don't maintain an account balance equal to 20% of my loan balance.

https://www.firstrepublic.com/personal-line-of-credit

Hi all, my office is in RMZ ecoworld. Please suggest 1bhk house available for rent nearby starting from Oct 1

US Lawyers in London: how are you doing your taxes in US and UK to avoid double taxation? Do you use an accountant?

Best credit cards for a non-road warrrior after CSR and Amex Plat changes? I think Amex Gold and the Chase Flex are pretty good - do not think CSR and Plat are worth it anymore

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Newbie Tax filing question, worked for a US employer Jan - July in NJ and then moved and worked for a Canadian employer Sept - Dec. Work permit holder in both countries at the time. What's the best way to file taxes in both countries? Has anyone done this before? Looking for guidance, gotchas, tax filing recommendations...

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

Planning to buy a condo in 451 W Huron - Yay or Nay? Will live for a year and then rent it out. Don’t want to renew lease another year.

Looking to start investing (mostly Index Funds and some crypto). Any tips on where to get an account for index funds? Vanguard? Fidelity? Charles Schwab? Somewhere else? What’s most cost efficient?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

How much money do you have saved up?😳

Do we have tax calculator in tcs

ARK is holding up very strong, not sure how and why while other coins are plummeting?

Will be moving to LA at the start of next year. I make $150k and my boyfriend freelances and averages around $60k. How much should we realistically be paying in rent max?

For all the people saying BB is next:
BBs float is about 555 million while AMC's is 50 million. There are far too many shares outstanding to make an impactful squeeze. Shouldn't AMC be next?

Curious if anyone has invested a big amount in one stock let’s say buying 150k of CRWD in may based on gut or conviction however you may put it. Want to have a discussion around lessons learnt and ways to derisk.

I need to invest around 15k, time horizon 1 year. Any stock ideas at current level ?

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Newbie Tax filing question, worked for a US employer Jan - July in NJ and then moved and worked for a Canadian employer Sept - Dec. Work permit holder in both countries at the time. What's the best way to file taxes in both countries? Has anyone done this before? Looking for guidance, gotchas, tax filing recommendations...

does anyone here work for Veeva Crossix?

How to get released from current project in Wipro.

I have my final round interviews with Amazon next week! I’m going for the Campaign and Creative Manager role - any tips/advice? How did you manage 4, one hour long interviews? What to expect from a TC standpoint? I am based in NYC.

A promotion from analyst to senior analyst OR analyst to associate OR analyst to consultant should increase your salary by what %?

How has talking to your matches been? ☺️

Do we have to go to office from next week?

Confession - I’ve lived in New York for 20+ years and have never A) been to the Statue of Liberty or B) the top of the rock

Has anyone actually gone through with accepting an offer from the Siegfried Group? I hear from a recruiter representing them probably once a week. How is it?

When non-ad ppl ask you what do you do? In terms of title; do you tell them “copywriter”? Or immediately assume they dont know and might confuse it with copyright infringement, and just end up telling them that you’re a writer or a creative director, and skip the hassle

What technology they teach as analyst profile?

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Salesforce Commerce Cloud - what are your thoughts and is it worth it to specialize in the platform?

This is a community to commiserate with other unemployed fish, share job opportunities, tips, etc... I hope it makes everyone in this situation feel less alone.

Who has angel invested here? Trying to gauge experience levels. Seems the we have a a mix of experience which is great!

Left the Lost Dog Tavern in Buckhead with a college buddy, and less than five minutes later saw APD respond for a shooting right where we had just been.

He immediately texted his girlfriend that Atlanta residencies were out 😬

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?

I finally decided to invest in cryptocurrency but not sure how and where to start. I am looking to invest from a long term perspective (5-10 years).

Are there any low risk steady increase options or is the whole crypto currency a high risk game?

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?

Best robo advisors for new investors?

How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

Looking to start investing (mostly Index Funds and some crypto). Any tips on where to get an account for index funds? Vanguard? Fidelity? Charles Schwab? Somewhere else? What’s most cost efficient?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

Any thoughts of investing in gold or gold related instruments?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

High risk, low reward investment ideas?

Does it take 3 quarters of the year to reach 3% (tier 3) interest rate at HMBradley? If so, does it make sense to deposit a large chunk of fund until I reach tier 3?

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

Futures are crashing....with the fed slashing rates, I thought that would have the opposite outcome? I don’t fully understand the impact of that but I thought the market would be positive to that.

What's with companies charging full fees for diminished benefits? I'm a bit annoyed about being charged in full for my Marriott card annual fee and Amazon Prime mebership

Grade my allocations!

VTI - 50%
VXUS - 15%
VUG - 15%
QQQ - 10%
VYM - 5%
FALN - 5%