Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

Is anyone planning on trading water futures?

Just checked coinmarketcap and with the exception of tether the top 85 coins by market cap are all down in the last 24h

I’m currently a wire house FA who received assets from a retiree. I likely have 4 years before I’d be able to move my book of business, but I definitely want to move to an Indy channel. When should I start these discussions with other firms/business owners and are there benefits to merging with an existing practice at that time?

Tempted to buy 1 BTC ..

I recently signed up for a 0% interest (for 15 months) credit card to help with paying off credit card debt. I’m happy with the decision. However, I’m uncertain about the best way to use my upcoming..

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

So should I buy Tesla or too late ?

Have about 100k in cash, wanted to get into market. Any recommendations on One time buy vs dollar cost average? If DCA, what’s recommended schedule- weekly or monthly?

Newbie to investing. What are good online courses / books to get smart on investing?

Marriott or SPG credit card (for the sign on bonus)?

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Hey all! Curious your thoughts. All else equal, roughly how much does the average couple spend in retirement per year? Trying to figure out how much cash we’d need saved assuming we retire at 60. Thanks!!

AITA: My friend keeps asking me for financial advice. I set up a budget for her and have her concrete advice. And I field all of her investing questions. But still, she continues to be reckless with her money. She’s 42, single (no kids), and making $100k+ and is still living check to check.

I don’t want to waste my breathe on helping her since nothing seems to be getting through to her. AITA?

Can I do a mother of bride dress appointment the same time after my bride fitting? It'll just be my mom coming to the appointment. Or should I do hers right after I finish my appointment?

Has anyone taken STD/parental leave at both Js?

Okay, thank the stars this “estimated 9.2lb baby” was only 8lbs even. 😅

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

Any dermatology research opportunities?

Best recruiters out there for senior strategy roles in London?
Looking to talk to someone about my next step

I have a new employee that started last Monday, unfortunately it’s not going to work out. Long story, but we’re fairly certain the individual is using Meth and appears to have started/restarted fairly recently. I work with physicians, so it’s a consensus. We have to terminate employment, but what ethical obligation do we have? Two young children at home and no spouse. This is weighing heavily on us.

Office may be inaugurated by 15th of August, Seating Capacity might be 250 as of now. For Audit Dept 50 seats will be there.
I want to know if WFH can be extended for few months unless proper seating capacities are confirmed.
.
.
also, anyone from Siliguri ?

I'll appreciate the day trip when I'm in my bed tonight but the 4:00am wake up this morning was brutal 😴

Has anyone seen the movie Spotlight? It made me think again about the passion to find the perfect news, the one that would be really helpful and necessary to society.

Where can I prepare for Frontend Interview (React-JS-HTML-CSS) along with some coding part. Can someone help me wtih any specific site or something

Need some urgent help can anyone DM me, Please

Hi, fishes.
A quick query here.

I'm going to move from non IT profile to IT profile. Basically I'll be applying as front end engineer in new company. Previously I was working in a BPO profile.
Just wanted to ask if I'll be provided training in my initial months as a front end engineer or am I expected to work from the very first day.
Your comments will be really helpful.

Thank you.

If I had a dollar for every time my boss screamed “UGH C’MON” at his computer... It’d be enough to buy myself the medical coverage my company doesn’t provide. 🙃

I’m looking for some new things to read or listen to — doesn’t need to be ad-related. Books, podcasts, whaddya got?
I’m not really into fiction, but open to anything. Last books I enjoyed were Junior and Moonwalking with Einstein, last podcast I binged was Startup (Gimlet).

I am having 2.2 years of experience in Bigdata Testing. Please let me know any vacancies

Fake seizures- a sad thing but I saw them regularly on my unit!

Up 75% on UVXY puts expiring 7/26...sell or is it going to continue to go down?

Is there a hard limit on how frequent you can apply in a year at FAANG? (For instance: Amazon, Google)

Also, how many positions are we allowed to apply?
There are just many positions at different teams right.

Recently USI Kolkata sent an email and asked about employees willingness to come in office if they start the office in the new location near sector 5 untill technopolis building is ready. They asked how many days I want to come in office.....
My answer was 0 day. 😀

Norwegian festivals, who has experience with the industry?

Don’t you love it when it takes two weeks for a recruiter to return your email but once they email you they want your response ASAP? Lovely people.

Does anyone here work for Holland America? They own Seabourn & Princess cruise ships. Recruiter reached out about a Principal Product Manager position there.

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Vtsax vs fxaix?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

What stocks are you guy guys buying right now in this market?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

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??

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Anyone here from NYC? Be cool if there was a meetup.

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)

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?