Does anyone use Empower Personal Wealth Management through the personal capital portal? I just had a call with an advisor who pitched the service. I see pros and cons, wondering peoples’ experiences

Has anyone ever thought about moving back home? If so, what's stopping you?

To all the insurance underwriters, what do y’all make/ YOE/ carrier?

Hi fishes

I am planning to start investing in a smallcase. I am considering paid managers. Any suggestions on manger and smallcase will be really helpful

Hi people,
I am trying to convert Sfdx form to Mdapi form using github actions workflow such that whenever Sfdx form is being committed into the repository it should be converted automatically to Mdapi form.

Any help would be high appreciated !

Why platinum and no longer platinum elite?

Anyone still missing nights/stays?

It is WILD that we had a whole separate bowl for this.

Hi Fishes,
Which will be better:
Braclays with 22 lpa on normal dev project or
NatWest group with 18 lpa on scratch dev project with 4.9 yoe?

What cities in Europe have English speaking roles? Outside of UK and Ireland, obviously.

Looking for a bilingual (Spanish/English) para or esl teacher for a charter school in Minneapolis

Anyone at Meta willing to help with a referral. Found a req Im interested in and would greatly appreciate the help!

EY folks, anyone get their Invisalign covered by insurance?

I have an appointment to get lip fillers for the first time. I want natural looking results, nothing too big. I know it takes time to settle, but will I be able to go to work the next day without it being noticeable?

How much CTC and in-hand is offered to Cloud Solution Engineer in Google India, Bangalore to a Fresher Graduate?

Hi,

I Got opportunity to give exam for PWC for 1-2 YOE Java Developer for Cyber Security. I can see rounds mentioned as Hirepro Test, Technical Interview and Partner round.Can anyone suggest what topics should i prepare for?TIA

Did anyone here have a professor or mentor that changed their life and got them into this industry?

I've been working at this company for about 3.5 weeks now. Its been great so far.

We have an org chart in our dashboard ATS/HRIS and so I clicked on my first day buddies name just for fun.

I was able to see her entire employee file..even her address. I was really freaked out and I went to another profile and the same thing happened, I was able to see this person's emergency contact. Is this fucking normal? Should I say something and will I get in trouble for looking at a colleagues file?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

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?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Google stock to buy now or after the split?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Thoughts on personal loans to consolidate Debt?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Have about 5k to invest - should I do FXAIX or FSKAX?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.