How do I get a credit report for a deceased person?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Forget about Uber.

Thoughts on those credit card machines that ask for tips?

I’m standing there stressing out with people behind me and all the person did was push a button to get me black coffee!

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Just curious, has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

What are ways I can spend my $200 airline credit for the Amex platinum ? I saw upgrades don’t count and I have status so already get free baggage, lounge etc.

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

What are the best ways of tax exemption

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

Question for anyone whose left the firm: I've been here for 9 years so my pension is fully vested. What happens to it if I leave?

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

How does the pre-tax parking benefit work at kpmg? There isn't much detail on ssc or benefits connection but it seems like it is on the honor system vs a separate account like FSA?

Anyone seriously wanna start a hedgefund with me ? I can assure a 30% cagr with my quant

Is anyone’s apartment building (high rise particularly) gym open yet? I live in west loop and still nothing yet. I am going to contact the property manager if there are good amount of apt gyms open.

If your role is being closed/being laid off (not due to performance issues) just firm downsizing, do you tell the companies you are interviewing? How to phrase it?

Is living in the west village worth it? Moving to nyc soon

US based suggestions for New Years? Cold is ok so long as not frigid. We want to be tourists too

I am a Project manager having 11 years of IT experience and currently looking for non tech PM opportunities. Can any kind hearted person please help me to get referrals in FAANG?

Will IBM pune match the counter offer for 9 YOE??

How is IBM gurgaon for java developer(i have 4 year exp). is IBM gurgaon having good java development project?

Currently 601 in CCB with 19LPA TC, expecting promotion this year. What amount of total compensation I can expect for 602 level?

How do you keep up/in touch with your network? Mine barely post anything on LinkedIn, so commenting on their posts is out of the question, and apparently it's impolite to just message or email them if the job searcher doesn't have anything to share besides asking for a referral or opening. If I don't have any relevant information to share with them, what should I do?

I need 30 more likes to activate DM ... please help me out

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Taking a personal loan of 20k or more will it affect perm (GC) process?

How do you count years of experience? Lets say you were a web master for 5 years. Then you transitioned into a proper UX role and did that for 5 years. Is that 10 years of experience or 5?

What is good salary expectations in Abu Dabi for IT employee? Company name @bespin global

Hi Fishes
I have recently joined bank of america, india branch, it's not been 15 days actually. And they are asking all the employees who are working from home to come to office. Which is 18 april. Can we as a employee ask the company to continue with the work from home model.

Anyone has used any Ayurbedic med or nuska to increase the s## stamina or performance ... Between 36 Married man here

Hi 👋 Nice to have this bowl here! I’m a CPA with 5 years experience in tax who recently realized that I can’t stand doing compliance anymore. Decided to get my masters in CIS and Data Analytics to pivot into tax tech originally but I am afraid I won’t use all my newly learned skills if I stick with tax technology in Big4. Do you code at all in tax tech? Or is it lostly macros and Alteryx?

My girlfriend is willing to break off our entire relationship because she found out my mom doesn't approve of her. We have no issues between each other but she said she can't be with someone who's family doesn't like her.

Does everyone do trust accounting in-house? Or is this something you can contract out?

What type of binding do you prefer/use for original estate planning documents (Wills, Trust Agreements, and Powers of Attorney)? I have seen everything from a staple (with and without a blue back), 3-prong folders, and just a binder clip.

Any advice for a first year attorney in litigation considering switching to this area?

Hello All,

I am interested in Estate Planning but have no experience. How do I break into this practice?
Located in NYC

What’s y’all’s favorite EP document generating software system? California systems a plus!

How much are you charging for trust administration? % or hourly?

For those offering the option of retaining client's original estate planning documents and storing them offsite, what are your policies? I'm shopping around for off-site options. Any tips on what to look for?

Best practices for funding a home into RLT if there is an existing mortgage? What type of deed? Title insurance considerations? Thanks

How much do you folks manage to bill per month? I'm looking at you transactional folks who don't litigate. 😉

What are the in house exit opportunities?

Anyone do contract work? Experience with wealth counsel is a plus! Thanks!

Are Estate planners very busy during covid? Some have told me they are not and it surprised me.

Recommendations for facilitator training for lawyers? More and more of my T&E practice is shifting to requests to facilitate family meetings on business succession, something I enjoy but have no formal training in. Would like to explore some training to add tools to my toolbox.

Any tips for best places to search for estate planning jobs? LinkedIn, other places? I’ll likely need to leave my current associate EP attorney position at a small firm in CA to move to WA (Seattle area) due to my spouse’s new dream job. Nervous about the transition to new state’s law, plus the job search. Wondering if I should broaden my search to other areas of law. Any tips would be greatly appreciated!

What creative ways are you drafting for clients with net assets well over the lifetime exemption?

Where is everyone buying their EP portfolios for clients?

4th year Trust & Estate attorney at boutique firm in LA serving ultra high net worth clients. Trying to determine whether my compensation is fair. Any others in similar positions willing to share their salary/bonus information? Thanks!

Is anyone else getting absolutely slammed with work this month?

How do you get a credit report for a deceased person, without being the executor?

Fav trust drafting software and why?