Hi folks, what is good brokerage account or app to invest in IPOs. I know TD and fidelity have some qualification criteria but I am looking for non - criteria ones.

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Moomoo. Let me know if u want a referral

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Hi all, I'm looking at immigration in the next few years (American engaged to a Canadian). I have some questions about prioritizing saving, retirement, and student loans that I think would be best addressed to a financial counselor with some knowledge of the situation. How would I find someone like this/ any recommendations?

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Any Canadians in the US? What did you do with your TFSA accounts? Also - how does the US know about this account?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

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With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

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Hello, looking for some guidance. I make 70k a year, I pay $1300 in rent, and I contribute 7% to my 401k
Most months, I am able to add $1k to my emergency fund, $400 in a travel fund, and $200 has leisure money. Is this okay? I find myself very nervous about my expenses even though it may not be terrible. What should I do?
If it helps, I grew up taking care of myself (state ward) and recently paid off 60k in student loans. I have no one to count on so I need to make sure I don’t fail with this.

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My BTC had grown fairly significantly where it was more than 50% of my taxable investments and savings. I had stop losses triggered the other night at 52K. This was an opportunity to take back my capital, and rebuy from a smaller portion of earnings at 47K. Now that my portfolio is back in balance, I don’t fret over the volatility - but man do I hate seeing that weak ass equity allocation move by +/- 2%.

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Experts - I understand tha LEAPS help with liquidity amd magnify the returns but I am unclear what are the tax implications (Fed LTCG and state tax) when you are ITM and exercise LEAPS. Can someone shed some light on tax implications of the LEAPS? Thanks.

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Thinking of dipping my toes into real estate and wanted to see if anyone has any books/ podcasts/ courses or even any tips or advice that you wish you had when you got started?

Goal is to diversify my investments past the stock market. Any help is appreciated!

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I spend a lot of money on my credit cards. Not sure what the best way is to do the charges. Most for e-filing, medical records, policy limit pulls, and police reports, etc. I think I have the categories down but I have charges that do not fall into a category. What is the best way to do this? Maybe just get every big status there is on every card? Like Hyatt globalist? I think I charge 1 million a year and owe millions in taxes a year.

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Seeking advice on savings/retirement. Since I am a solo attorney like many of us here, I don’t have a 401k, options etc. can anyone recommend or explain the pros/cons between the different options available for the self employed? Best way to set up a self retirement plan? Roth IRA, vs self employed 401k, etc.. not sure what else there is.

TIA

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How much money do you keep in your operations account and what are your monthly hard costs?

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VTIQ- is this a fomo stock or has potential? Any share holders that can give more details?

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Do any of you use Uber Eats or Door Dash regularly? Any tricks for not having the fees nearly double your cost? I live alone and have a car. I have a hard time justifying the spend unless I'm sick.

Is it typical to get equity in ur house off the bat... Like statistically do sellers accept offers below appraised value or is that the rare ideal situation?

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Does HSA money count towards my deductible ? Because….

It’s not counting right now 👀

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Currently have a traditional 401k I’ve been contributing to for about a year. Company offers an in plan roth conversion. Does that make sense to do? Tax implications?

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Are student loans the next bubble burst? Some say no because interest rates remain low and student loans are easy, but I’m just not sure...

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Thinking about buying a used luxury vehicle (BMW 4 series, Jaguar XF, Audi, etc), target $30K-$35K, less than 20K miles, and <3 years old. Any suggestions about target models? I don’t like the idea of buying new because of the premium/immediate depreciation, and leasing feels restrictive. Is this a bad idea?

I am 56 years old. My financial advisor has suggested that I create a charitable remainder trust as a tax planning strategy to address $1M in unrealized gains and also allow for tax deductions. I am concerned that I will out live the trust and there will be an excessive contribution to the charity rather than my heirs. While I want to be charitable, having too much go to the charity is a conern. Any suggestions ?

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Taking my parents on a trip to Vegas...both of them are seniors & work for the government. Can I use the Marriott government or senior discount code if the reservation is made from my Bonvoy account?

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Got an offer for L6- Sr. privacy specialist at TC 275k. Any ideas if this should be further negotiated? Appreciate the insights!

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Anyone from corteva project
Please DM

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Looking for someone working at LEK to get insights about culture, WLB, comp… thanks!

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Anyone from Fujitsu.
Please ping or comment i have a query.
It's bit important

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Hello Fishes. Got an opportunity with title bump from SA to Manager (IAM). I have month to join from now and would appreciate any tips on what should I prepare now to get the 1st impression right?

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Has anyone interviewed for a tech apprenticeship for product management? If so how did it go?

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I am looking for interns for the following roles: Information Security, Vulnerability Management, Product and Cloud Operations, Cloud Automation, Technical Support. Message me if interested.

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Hi,
I have a 3 years IT and 2 years Pyspark and Big Data experience working on Hadoop and Databricks.
How much salary can I expect if I switch(approx).
What are some of the companies that recruit Pyspark developers?
Thanks in advance.

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Wednesday for DJ. Happy vibes from Texas y’all!!!

Post Photo
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LOS ANGELES: Award-winning agency hiring full-time CD to lead a piece of higher-education business. Must be comfortable leading both copy and art. Working remotely until further notice.

DM me books!

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Anyone work/worked for the city of Beverly hills? What do/did you do and how was working for the city?

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Any F🐠 up for a drink tonight in SF?

PPMDs - how’s your weekend starting off....
F 🐠, what’s the quarantine weekend plan?

likesmart

Listing of firms that don’t offer lunch to their employees.

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Hi , I am BA currently with 4.5 yrs experience in analytics . Is it necessary to go for an MBA(which will be 1 year obv as per my experience ) or i can go by becoming an APM somewhere(obv by learning product related topics)and then becoming a PM. I dont preferably want to do an MBA since i am 28 and will be 29 by the time if i am able to enter any 1 year MBA course .

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I recently resigned from Wipro (Partner payroll).But manager threatened me that he will reject my resignation because my few work mates knows about my resignation. How to take action on this ?

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Does anyone have the solutions of the power platform certification? :D

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Additional Posts in Personal Investment Chatter

Any entry ideas later?

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I’m an attorney trying to learn about finance and economics. I didn’t take any economics courses in college and don’t have any experience in that area. What books or other resources would you recommend for a beginner? I’m not looking for investment guides.

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How come DAL is falling so much, relative to other airlines.

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Has anyone used Mashvisor for RE investment guidance? Pros/Cons?

I have a debit balance of -$5 in my Vanguard traditional IRA money Market fund that I want to clear. How can I pay it off without “contributing to IRA” - don’t see any other options available for paying off the balance.

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At what salary did you start maxing out your 401k?

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Would you refinance mortgage in this situation? Current rate 3.25% 30 yr. New rate 2.625% 15 yr. Interest savings of $257/month. Closing cost of $4300, so 17 months to break even. Long term home.

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How to learn about investing in stock market? Could you suggest a book or a website or a YouTube channel. Thanks

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What platform do you guys use to invest in fractional shares? Motif, Stockpile etc

Thanks

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Ally dropped savings rates again, down to .8%. Any better options or not worth the effort?

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About to be manager level at MBB, and pretty miserable. I have about 500k in investments, 350k of which are in Roth accounts. If I just want to have 200k plus in retirement income inflation adjusted and make the jump to industry for a ~250k exit, can I retire by 50?

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Which crypto for big returns? Dogecoin or AAVE?

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Have about 40k in savings I’m looking to grow over the next 5 years to put a good down payment on a house. Does anyone have any recommendations for what I can do to generate solid returns over that time period? New to investing and grew up without a lot of money

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Bought Boeing today 🥵🙉

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What should your 401k be at retirement for normal upper middle class people? Don't care about you rich peeps who need to have 50m in their portfolio.

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Maxing out 401k, would you direct addtl savings to:
a) brokerage account invested in blue chip stock (heavy tech)
b) Inv prop mortgage paydown (5.25% interest)
c) other recommendations?

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How much % or $ you think is safe for margin debt or borrowing from fidelity. I am tempted to take margin debt to buy stocks on fire sale. Generally I don't like debt and keep it zero or 1-2k. Want to avoid margin calls in the event stocks goes down more.

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How much is your total family income, and how much do you pay for your house (mortgage + HOA + insurance + taxes, etc.)? And what is your location?

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My financial advisor is asking if I want to roll over my 401k to them. I’ve always rolled over to my next employer, but since I had previously had vanguard (I trust vanguard) and now have empower (unknown to me) Im considering doing it. Is the major trade off that I would be paying the 1% management fee? For context it’s 100k to rollover and my current brokerage with the FA is about 50k. I know I don’t have much to warrant the FA but I like putting investing on auto pilot so I don’t obsess.

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Base salary is $220k and I’m contributing 10% to 401k. Pwc also contributes 6% to my wealth builder. So I’m savings 16%, currently 35k a year towards retirement.
Current balance is $150k and I’m 31. At 4% growth that’s $2.3m by retirement.

Is this enough to live a basic lifestyle with an owned house in NY in retirement?

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