how do you split your savings? lets say you have 200k cash!!! stocks vs savings vs ETF vs others(% of allocation)

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

Ugh I just signed to fix my house’s mortgage interest rate at 2,73% for 2years. Instantly regret it.

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

I have a monthly 1.2 TB limit on my xfinity. How many of you have the same limit and how many of you exceed the limit?

Is there any advantage or disadvantage to maxing out 401k in a single contribution instead of a taking some out of every paycheck

I started working recently. I got my semi monthly pay recently and I use all of the semi monthly pay(not including 401k and IRA) for rent. (So 50% in total) Is that too much? Starting salary is pretty bad in here.

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

I have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

150K in Singapore, and $150K in Chicago. Which one would you accept?

Has anyone gone to an estate sale in the city?

Do you have a UTMA/UGMA account in addition to a 529? How can I make sure my kid still qualifies for *some* scholarships? (Want them to have some skin in the game..)

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

I have got an offer based in Boblingen, Germany with 60k euro as fixed. Will it be enough for a couple with a 3 year old kid ? My major expense would be accommodation, groceries, kid’s school and transportation. Please do let me know your valuable inputs. TIA

Use savings to (partially) pay for business school or invest and fully cover via loans?

How is leaseholds taxed in Texas for personal property?

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?

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Does anyone have a list of the things (food, drink, other OTC meds) that make adderall less effective? I know I can simple google search and ask my doctor but want to hear other peoples thoughts…I love drinking my coffee to wake me up in the morning but I’m afraid it’s making my meds less bc of its acidic nature 😵

Anyone a manager? I’m recently diagnosed (26F) and I can’t help but beat myself up everytime I fall short of my to do list. Makes me feel like a huge disservice to my team. I’ve been trying vitamin D and working out, but it makes my “highs” and “low” SO extreme. The simplest things are so complex in my mind.

If anyone feels similar, how do you manage these feelings? I’m personally considering switching to an individual contributor role, but can’t help but feel like a disappointment if I do.

Hey guys.. anyone looking for good friend... Getting saturated with wfh :(

Took my first ever sick day today on account of my very poor and worsening mental health. Just could not bring myself to put in another 14 hour day with back to back meetings and constant activity. Felt very guilty but I honestly wish I could be more honest and actually share with my manager about why I took a day off.

For those also going through this, any tips on how you manage yourself day to day? What self talk tends to help?

Hi!! Transitioning to a remote work situation and have decided to leave my Texas roots for the west coat rays! Trying to move around September of this year but would love to chat with anyone also in San Diego! I won’t know many people so even if you wanted to work remote together a day of the year that works too! I have a chocolate lab and love a good HH! maybe will start a group chat?

There is a certain air of respect you get when you become a military professional. As long as you earn that respect, of course. But I like it, it feels good!

Anyone working as a 2 years + lawyer for Fragomen in Canada can share their salaries and working advantages? (holidays, billable hours etc). Got an interview coming up and want to make sure not to under-sale my profile!

Anyone else cursed with desperately wanting someone to tell you what to do to get better, but knowing that you would never listen?

How do I claim the relocation lumpsump amount? Should I reach out to my global mobility advisor or will it be directly included in my first salary?

I've been job searching for nearly 4 months.... started using fishbowl 3 weeks ago... this app is far superior to anything on the market.

Hi fishes

I want a referral in the data science domain. I have an experience of 2.5+ years in data science and analytics with skills in python, sql, data Analytics, machine learning and SAS.

Currently having a notice period of 1 month, I’m looking for a change.

Please let me know if you have a suitable role for me in your organisation.

Thanks.

Hi

Has anyone from the cognizant registered BH for a car in Pune or Maharashtra? And are they allowing it? As per rules its allowed but I heard RTO is declining the request

2YOE life sciences consulting after mba as consultant with managerial duties and am given senior associate consultant role with lower comp. Would you pursue final interview with them or move on?

Has anyone found success developing business or building their book? Specifically businesses (not individuals)? Looking for new ideas to get clients in the door.

Dear fishes,
Could someone refer me to PO position with Siemens healthineers?

Does anyone have success conceiving with low AMH? I am 30 yo and my AMH is 1.11, RE says it's low for my age.

Any OTT recommendations for the weekend?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Paid off my account debt!

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

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

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

What does 401k mean?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Google stock to buy now or after the split?

Have about 5k to invest - should I do FXAIX or FSKAX?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...