First time home buyer here - Any advice on getting finances ready to buy a house in HCOL area? Wife and I make decent amount (about 350 household income). How much is a comfortable amount to put in down payment? Better to get more affordable starter home for a few years and pivot to larger home or just get larger mortgage to begin with? Totally understand everyone’s situation is different but want to get a sense of what others have done before, thanks!

Hi! I am not YET retired but these are trying times. I am in bed with the Utah Returemtn System and would love any words of encouragement or light at the end of the tunnel l? Retirement eligible in 7 years but don’t want to draw on my state retirement until 62 or 65(to Max my benefits!) it’s so hard an scary! Not sure I’ll make it. Worried about healthcare and leaving money on the table.

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?

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Do you suggest booking profits now (even if they are less) to reduce the risk profile, given that market is moving sideways and bubble might finally burst 😬

Which alt coin should I buy in this blood bath outside of ETH, LTC, XRP and BCH?

What's a reasonable average amount for basic cost living in LA (housing, food, transport, phone, internet..) for more context : single, would like to live in an independent studio in a nice area.

Do you think someone who owns 200 ETH is financially independent?

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 crypto platform do you use and why? Looking to invest ~$20k - most of which into BTC and ETH. Looking for opinions.

From stocks to crypto to NFT, which is the next big investment opportunity where we could be the early movers (investors) and make great returns? Love to hear them.

Investor’s Business Daily: worthwhile?

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Investment gurus - Appreciate pointers for resources (books, blogs, videos etc.) to read up on investment strategies. Just getting started and could use all the help. 🙏

Guys, i m in a pretty bad financial situation and need to pay my student loans and support my parents who lost their job. I m trying to brainstorm how i can make some side money. Thinking something that i can do remotely like an amazon store. Goal is to generate ~$1000 months in profits. I just have no idea where to start. How do ppl go about starting these?

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

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??

Inflation post covid—19 .. thoughts? I am really worried considering the prices from housing to basic needs in major cities are already not affordable for most middle class families.

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

does anyone use simplefx for crypto? Do you like it ?

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

Hi Fishes,
I have to transfer my PF amount to the accenture PF account. My previous organisation was PF exempted organisation. Once I submit the online transfer should I send the hardcopy to Accenture as well

Do senior managers have an employment contract? what is the weeks of pay for separations (severance pay)?

For Oracle referrals, please DM

Hi. So I'm about to begin employment with United HealthGroup. It will be for Medicare recipients. I have some years experience with Medicaid. Any advice? I know, at first, it'll be working on the phones. Any thoughts also on how to get off the phones or how to move into other positions? Thank you.

Can you objectively look at Trump’s record without letting your emotions alter the insights?

I’m referencing a cell (numeric) to a text cell. Is there a way to format that number to include commas? See example in comments.

Hello Fishes,

I have 2 offers in hand currently -
1. CGI - 25LPA +1L JB
2. Neev systems - 23LPA (5%VP)

Neev systems is ready to negotiate it with CGI. And both companies have their own benefits.

Neev's hike is good compared to CGI(almost double) & CGI have some additional perks like cab facility, Creche allowance, mobile, internet bills reimbursements and additional 5% shares.

Both might have similar WLB (12-9pm).

My DOJ is tomorrow, unable to decide between them. Pls help me!!

What are some options for a big law debt finance associate with only a year under their belt? Willing to take a pretty big paycut, I just can’t do billables anymore.

I know that the general advice is not to cut your own time, but if you think you took WAY TOO LONG on something should you? I don’t want partners to think of me as inefficient.

I’m a first year. Getting a heavy case load - general liability, med mal, FELA, and products. I don’t really know how to organize my outlook email inbox. Any suggestions on where to start would be great. I’ve struggled with being organized in the past and obviously looking to improve in this respect. Thanks.

How does everyone in this bowl feel towards master’s degrees in data science/analytics? I didn’t study this in undergrad so I’m looking to get an analytics degree but I’ve heard mixed reviews.

Daily Dordle #0005 4&6/7
⬜🟨⬜⬜🟩 ⬜🟨⬜⬜⬜
⬜⬜🟩⬜🟨 ⬜⬜🟨🟨🟩
🟩🟨🟩🟨🟩 🟨⬜🟨⬜⬜
🟩🟩🟩🟩🟩 🟨⬜🟨⬜⬜
⬛⬛⬛⬛⬛ 🟩🟩⬜🟨⬜
⬛⬛⬛⬛⬛ 🟩🟩🟩🟩🟩

Anyone playing Dordle?

Question on sponsoring my sibling - If my Parents are US citizen and they sponsor for my sister who is married and age of 35. How long it can take for her to get green card?

Hi All ,Multiple SAP openings in Accenture for all locations.Minimum required exp is 2.5 yrs. Interested candidates can dm me.

Has anyone used ALgo to sell a car? Reviews look legit but the process feels sketchy

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...

What does 401k mean?

Any good wedding ring sources aside from Blue Nile?

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?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

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

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

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:

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

Paid off my account debt!

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.

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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?

Google stock to buy now or after the split?