Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

When there is FUD you buy

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

For all you money people, which platform is the best (user friendly and lowest fees) for trading among: trade station, interactive brokers, td, fidelity, eTrade, or schwab? Does how much $ you’re playing with make a difference in choosing?

Any good and simple investing/financial Managment podcast? Looking to get more serious about my finance and don’t want to be overloaded with info

1.2x Amex points to Bonvoy points transfer program. Worth it?

Huge btc short position in market right now, I expect a lot of liquidity issues to come to light soon. Bitcoin should end up below 30k and stay there as new resistance soon. You all doubt my previous posts but all these bumps to 37-39k are fake bounces from retail buying the dip. Defi is gonna unravel. Do you honestly believe the 10-40% defi interest rates were risk free. It’s all paid by stablecoin printing backed by the assumption that crypto prices would keep appreciating

Does j2 background check decline you if they see you’re still employed with j1?

Considering the current fall in the equity and crypto market, which would be your go-to stocks / coins?

Best resoures for realtors just starting out in their career?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Crypto companies / frameworks going bankrupt is a path towards maturity ! Banks will buy these and make blockchain tech their own thing and then propel it forward towards regulation !

Does anybody know what I can submit turbo tax reimbursement under? Didn’t realize until this year it was reimbursable

In your opinion which is the best target fund to choose in IRA Roth?

I frustrated working in my current organization, It is a product company but manager, consultant and BA are acting like service company, I want to switch I am not expecting too much hike from next company, what answer should I give to next company when they asks me reason to switch?

What’s the general offshore integration at Accenture?

Been in Austin for a while now and have never dated but would like to start. Any tips/suggestions on where to find quality people? (F, 28)

Considering switching to a hybrid or fully WFH position, does anyone here have a role like that? What are some of the pros/cons?

Got offered 115K with 25-30% bonus for a fund accountant role with 3 years of public experience. Is that normal? Seems like really high. I live in NY to clarify. Combination of Big 4 and midsize experience. What’s the normal salary range for ppl in that range?

Any recommendations for mechanics near River North? I have a Toyota Prius that I’m looking to get serviced at a reasonable price.

My boyfriend recently asked me what do I miss the most about India? I had to think before replying food. Tbh I really don’t miss a lot except maybe the festivals

Have any other cities besides Boston ordered a construction shutdown?

HOLD THE LINE

Reposting: anxious q- should incoming juniors start thinking of backup plans? Were offers revoked in 08/09? Or start dates pushed? Would be starting at a V10 in lit if that helps. Thanks all.

What are some fun ideas for projects about describing setting? I was going to have them create travel brochures about the setting of a story of their choice but I think this might be overdone.

Can someone please help me with the holiday Calendar for HSBC Bangalore ?

What is your favorite holiday tradition/event to attend in San Diego?

Interested to know: how nervous do you feel about losing your job during these strange days? And do you feel like your company is taking advantage of that at all, knowing you won’t leave?

Hi all! Curious if any Americans here have had any experience applying for a temporary work/creative (or other non-company sponsored) visa and if creative ad work is considered eligible. 🙏🏽🙏🏽

What are your thoughts of consultants and auditors doing client work in a coffee shop, using said coffee shop’s wifi?

Hi ladies! My doctor has recommended I increase my folate intake in addition to taking prenatals. Any recommendations?

Any disadvantages to buying VTI (manually) vs. VTSAX (automatically)? Apart from convenience/removing emotional decisions. Fidelity charge $75 to buy any amount of VTSAX. Seems insane fee when you can just buy VTI for free. Am I missing something here?

For those of you who made your first million in net worth, what did you do next?

Thoughts on ARK innovation ETF

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

Sooo AMC.. who’s in?

😂

What’s the meaning of life before FIRE and after FIRE?

Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

What are the best cities to live in for FIRE?

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

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 think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

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

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Anyone used/using HMBradley before for HYSA? They have a 3% rate which seems unreal in this economy. Just want to make sure it’s legit. It’s seems HMBradley is the marketer for Hatch Bank (FDIC insured). Any other recommendations for HYSA?

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.