For those that trade individual stocks, how do you keep your emotions out? I decided not to buy Wayfair last month due to past volatility (was looking for short term gains) and now kicking myself.

Noob question: I exited an ETF position on TDA however the funds aren’t available for me to plough back in. Any suggestions on how long it takes for a trade to settle?

My car that I purchased in 2020 has been the best performing asset I own right now

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

Been on Coinbase for a while, wondering if it's worth the pain to go to another exchange for the additional coin diversity

Best book you've read recently on personal finance?

Can I be a authorized user on my spouse’s Amex platinum card if I have an Amex platinum card as well ? Looking for ways to maximize the welcome bonus

Any good CPA recommendations specializing in rental properties and LLCs (for a separate business)? Had a tough time doing my taxes this year. I'm in NYC if it makes a difference, but open to non-local CPAs

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

It’s been an interesting 24 hours. So, you know I got out of the VIX Puts at 26 with a small loss. I bought a few DIA July 15 calls at the low at a 309 strike .13 so I did better than I would. Trading the technicals now with DIA and C Puts.

People recruiting at FAANG/big tech right now- do you have a sense of how they’re handling equity/stocks in making offers? Stock prices are WAY through the roof and likely poised for correction... are they taking this into account when making offers on number of RSUs? Risk of joining and losing money

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

VUG or VOOG for long term Roth IRA? 24 years old fwiw. I recognize that I am younger and also have plenty of individual stocks in my regular brokerage account

Celsius has been great (mainly for the amazing MATIC returns), but I think I will significantly reduce my holdings here.

Google "celsius badger dao"

My concern with this platform has always been how they're engaging in DeFi to make profits with customer funds. That's how they offer things like "no fees on withdrawals" and APY rates above the competition. MATIC is becoming to valuable to risk leaving on this platform.

Security wise though, I think they're great and have no concerns there.

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

Thinking about purchasing a property in the Turks and Caicos Islands. Anyone done this? Looking to learn more about the pros/cons of international / Caribbean property ownership.

I’ve been trading options all year on Robinhood. Also have long term equity holds bought over last 2 years. Is there a simple way to see my realized gains or loss for the year? I know the paper value, but not sure what has been resized. I do 10 trades a week so would be miserable to try to add up. Thanks!

Does having student loans impact your ability to get a mortgage?

How much can I expect in monthly social security checks upon (non-FIRE) retirement ? I think I’m reading $2,500 ish?

Has anyone dealt with a capital reduction without a payout? Trying to see how this is treated if a CFC of a US company reduces its share premium to offset a deficit in retained earnings. Is it a dividend for US income tax purposes if no consideration was paid?

think they’ll tell us today? double whammy with comp statements

Final round of interviews for EY Parthenon Deal Tech end of week, any tips or suggestions? Appreciate any insight

Hi All

I'm looking to join LTI
Is there anyone with AEM background who can help me understand quality of work and quality of projects that are aem specific

Is bgv closed before joining LTI.
What are the things in BGV closed before joining and after after joining.

Everything always takes me so long to do :/

Hi Fishes ! Any idea how's the product team at Shine(HTmedia). Getting 22 LPA fixed as PM. I've a total of 3 years of workex in product.

Horror movies for Friday night suggestions please?

Anyone working in Pharma industry?

Nice Leather laptop bag recommendations pls. Looked at Tumi website. I can’t expense ~$600 for 💼.

Hi all I’m new and ignorant to be blunt. I finally found a financial coach to at least start my journey on becoming debt free as my savings is pretty pathetic. But who should I ask advice on my 401k & IRA? I have no idea if I’m investing smartly. I have reviewed the Bogleheads’ Guide to Market Indexes which I feel is helpful so far. I am 40 so not exactly young. Thank you!

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! :)

What position is the Senior Insurance controllership 1?? Is it equivalent to Asst Manager or Manager? Any answers it would be of great help

Pet owners: I have a friend cat/house sitting for me this weekend (three nights). What is an appropriate thank you payment? She’s my friend so it feels weird giving her cash? I was going to leave a few bottles of wine, maybe a fresh baked good?

URGENT: Can anyone refer me for an entry-level software engineer/ Trainee Software engineer role (Java preferred)? I need a job on an urgent basis as my current organization has asked me to put down my papers due to changed business requirements (read layoffs) and has given me 30 days to find a new job. And I would really appreciate you guys if you can provide me with any help in this situation.

#layoffs

Thanks in advance

Taking the NY bar for the first time. Is it fine to take it from the work laptop because personal laptop seems to be giving up in life! Please guide any pros or cons. Thanks !

Hi everyone. Need 11 likes to pong others. 🙏🙏🙏🙏

I don't know if anyone can answer this. But how much do most civil engineers make? There are so many conflicting reports about "overpaid consultants" and it's almost impossible to get an actual answer

Capital one giving $450 bonus if you move $50,000 into the account. Question: they said only new money qualifies. I had moved some money from cap one to chase on may 3. Can i just move that money back to capital one and get a bonus? Or would it count as “old money” and disqualify me from bonus since im just transferring the funds back to capital one from chase? How do they do determine this? Thank you!!

Should I Refi? Currently on a 15 year at 2.75% origination of loan was last year (2020). Potential new loan would be 10 year at 1.99%. Remaining loan balance around $160K. Current P&I $1,202 vs New P&I around $1,380 + ~$1200 closing costs/fees, worth it?

Any recommendations for total market index funds? Thanks!

Im looking to buy a home, program is zero down (no PMI). I make 150k base salary; take home 8k mon. Im looking to buy a house under 350k in my area. Im looking at a payment of about 3k including prop. taxes in a newly gentrifying area. My plan is to house-hack and in a year move out. Is this monthly payment too high? I have under 10k student loans (will get wiped) and no other payments. I want to make sure I can afford it even without tenants just in case.

I have a 401k from my previous employer in Meryl Lynch. Current 401k is in fidelity. I would like to know if it’s easier to roll over ex employer contributions to fidelity (or) open an independent IRA account. I don’t intend to withdraw money from or take a loan on 401ks

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Is the Citi gold bonus offer of $1.5k worth the hassle of opening a new account and transferring $200k?

Is Tesla still worth it?

Have to use a financial advisor due to inheritance doc requirements. Where can I find the best low cost advising? Even if it’s automated or the low monthly fee with an annual review - I think those fulfill the requirements I need to meet. Thanks!

Any good non-tech stock buys?

When it comes to stocks , I am investing in index funds with 8-10 years strategy . The typical index funds make 8-10% annually . However , when I live at MSFT , Apple they have increased 350% in last 5 years . What stocks should I invest with at least 5 years in mind ? Something safe but with returns better than index funds. What would your best 5 for next 5 years ? I will make my M1 pie based on the serious inputs here !

Straw poll: % of gold in your portfolios. If you have, any plans to sell? If not, any plans to buy?

My older sister is an extremely talented woman. She knows everything brand design, graphic design and ideation. The list goes on with what she can do and it is all self taught. She’s on the job hunt looking for something flexible while she’s working at a nonprofit. I want to encourage her to do design but I’m unsure of how to actively help without over stepping?

🐟 - I rolled over $100K from old employer 401K to Fidelity Rollover IRA. What implications does it have on my ability to do backdoor IRA? We do not qualify for Roth due to income limits. TIA.

Pre-approved for a home but the rate lock expired and now we have to re apply. My husband lets me know his credit score dropped 111 points because of credit card utilization. Even if we get it below 30% ( which we can) not sure it will quickly reflect. I also added him as an authorized user on a high limit credit card I have. Any other suggestions besides trading him in lbs

Help! In the final stages of closing a house purchase for $330k. Appraisal came at $311k ~6%less than the sale price. I myself planned for only 5% down on the original sale price. Contd...

How often do you convert your after tax 401k contributions as part of the mega backdoor?

Anyone know what is the financial requirements to be approved for Fidelity level 2 option trading?

I’m getting ~2k in federal tax refund this year. Why is it so high? I heard that most ppl pay additional tax or get smaller refunds. Is my salary being withheld at a higher rate? I’m in my second year of employment.