Gonna help my 16 year old sister get a Roth IRA and learn from my mistakes of not starting early... Should we park it in a target date fund or index fund (VTWAX or the like) ?

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

Do no preset limit credit cards hurt your credit score?

I need some expert advice. I have 40k in 401k and 40k cash in savings account. I moved all 401k to a very low return safe portfolio in July and basically I haven't done anything with the cash as well.

Starting to feel like I am missing out on returns and now is the time to put everything back into the market. Does anyone know reliable financial advisors that will do it for me and also account for the independence related restrictions.

Other suggestions/tools appreciated as well.

Now that the rents are going higher and housing is not affordable. With wfh option is it good idea to love to ranch with house?

Anyone here invested or opted as primary living place outside of cities?

Cheers

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

About to get about $10k from freelance. I have a full time job so my bills are already covered. Unsure how to split the $10k - got about $3k on credit cards to pay off, but no other debt. Should I throw the rest into savings? Buy some more stock (have a few $100 invested already)? Could do a bit of each of course but as I split it up it feels like less and less and like I'm not going to see substantial growth either way.

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Need help looking for a 1 bd, I’ve tried domu/Zillow but none of the options are appealing. Should I be using a realtor?

Budget: $1,200
Areas of interest: LP, Lakeview, Wicker Park, Old Town, Streeterville, West Loop, River North

If I JUST got my Uber Visa card, before they announced all of the changes in their rewards/cashback system, is it worth it to close the credit card?

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Need to urgently find a 500k job. Can't keep up with mortgages with anything less. Any advice?

what upgrades are worth buying on townhouse or SF home. planning to live there for 4-5 yrs and later move into bigger house. will rent or sale this property at that time. house is in MD.

Should I stop contributing to my 401K and put all my energy into paying off my student loan? Right now it's unconsolidated so there are rates between 3-6% and it's 20k.

Should I do the IPG employee stock plan? Anyone else do this? Don’t even know if it’s a good stock or not

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

This isn’t relating to investing but we are looking buy a SFH in South Orange NJ. We are have a 2 yo and we are moving from Sacramento. It is a close to a train station to New York.
Does any one here have any info, good or bad things to know about the area. We toured 3 different homes and they were relatively affordable by (600-750k) and it seemed like a small town community but we are not familiar with east coast/ New England. It’s going to be our first move there.

Does everyone have a refrigerator from the mid 2000s in the garage that they use to store drinks? 

Hi fishes,
What Package can i ask to L&T for Data Engineer with 3 years experience. Having 12.5 offer in hand.

Your response is highly appreciated.

Folks, I've recently moved to the U.S. and healthcare here is a maze, even if I have health coverage through the job. I've been wanting to see a therapist and it feels like it is quite expensive to see one. I'm on a HDP PPO plan and essentially I was told I pay $250 a session till I spend ~$7000, and then insurance copay kicks in. Seriously at a loss if I'm missing something or if folks spend the same on seeing a therapist. I'm curious as to how a lot of folks are able to afford the price tag.

My anxiety has been at bay after changing my job and just feeling like I HAVE control over my life. But now it's back because I feel like I'm behind in other aspects of my life (I.e dating). I have so many friends getting engaged and I just feel... anxious since I am SO single. I'm 27, and I know I'm at that age where people do but it just sucks. I've been on the apps too and it's just... more demotivating honestly than anything else

hi,
i got a offer letter from hsbc before baground verification but i taken education loan for my MBA this year 2022 but my tenure to pay is not occurred. i had credit score of 728 . is there any chance of getting revoke of offer letter

What's it like working with BCG in Dubai? Which service lines have the best people and which should be avoided?

Hi Guys,

Can anyone refer me to BCG

TIA

Hi All!
Anyone from the insurance industry based in Jakarta, Indonesia? Would be happy to connect/network over coffee

Any reasonable monthly parking in Midtown?

Hello Fishes..
I have attended wipro HR discussion 2 days before .. post HR discussion, I was requested to send adhar , photographs and existing offer letter.
What will be the next steps and how many days it will take to get the offer letter.

What is the average salary of a project Engineer mechanical with 0-1 year of experience and with a Masters degree ? Talking about European countries precisely Nordic counties .

Who wants to hit up spoken poetry this Friday? M37 no expectations.

Verizon or new T-Mobile+sprint

Planning on a trip from NYC to Miami. Need 2 suggestions — 1) best neighborhood to stay for 2 laid back women in their late 30’s, 2) best way to move around between car rentals vs Uber? If car rental, any recommendations on which rental to use given the astronomical gas and rental prices?

How hard is ITIL 4 foundation exam compared to PMP and AWS CCP? Debating whether I should take training classes or just study the book. Ty!

Any smart, funny and caring Desi F Interested in connecting? Trying really hard to avoid the matrimonial route.

Hey people,

I recently got selected for Amazon brand specialist role L4. My current CTC 5.5 LPA

How much increment can I expect. Is there in pay band for minimum pay.

Very curious to know what other Technical Writers in the Midwest or Eastern side of the U.S. are earning and whether or not that drastically changes if it’s a contract role vs. full time.

H1b fish who were terminated by your former employers, did your employers offer flight ticket back to your home country?
My firm gave me $700 which is not enough to book a one way ticket in current Covid condition. I was wondering how i can negotiate higher amount. Any advice is much appreciated! Thanks!

Hey fishies, anyone here ever had endovenous laser treatments for veins on the leg? I have some reticular veins on my shins and am considering it and wanted some real feedback first. I am 28 and a little nervous, but I’d rather tackle this now rather than have the veins look worse. TIA!

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

Does anyone use Ameriprise for their Roth IRA? Anyone know of any funds you can buy in an account with them that don’t have trading fees?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Noob investor here. I messed up and need some advice. Invested in Alibaba (BABA) around $245 average cost because I believed in the business but now I’m significantly down…what should I do? I have half investment in my individual brokerage and half in my Roth IRA (I know, pretty stupid of me). Am I screwed long term?

Should I be putting my $ somewhere else other than my bank account to save for a house?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Are there any trusted resources for information on cryptocurrency investing?

(I've written enough long-form marketing disguised as a news to know when it's happening to me.)

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

Been looking forward to the stock market to come back to earth for a long time. What should I buy

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.