How soon should you think about refinancing? Closed about two months ago at 3.25 (30 years) but rates keep dropping...

What is the best way to get euros out without fees and at the actual exchange rate? Is it best to use an ATM at the destination or is there a better alternative?

How do you guys set up your 401K accounts ? Since a lot of vanguard funds have bonds and I’ve heard bonds are haram to invest in? Would like opinions

Best cards in Canada for points?

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

Hello, is there anyone here that can recommend ways to make money as a notary public?
Thanks

Is there a brokerage account where you can automate daily purchases of ETFs? Say, if I wanted to invest $50-100/day in ETFs, without having to manually transfer the money from my bank account? I’m new to the US, but seem to have my 401K with Vanguard so they might be easiest if there are multiple options.

Looking to join a Google Fi family plan of 4 lines which provides unlimited internet. Does anybody have an existing plan that I could get into, or I’m willing to start a new plan - pls comment.

Newly married and looking for finance tips. We have setup a joint account to manage joint expenses and that’s about it. What other things we need to think through?

How are you all determining the future cost of college and target levels of investment for 529 accounts? Having a hard time seeing how 100k for college in 15 years is realistic. Also don't know the right level of savings to target (50%? More?).

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

1099 or w-2 ? I have been given the option though the company prefers w-2. It’s a day rate booking couple of months or more (no end date). I already have 1099 from similar company this year and am leaning towards 1099, but I don’t want to be difficult. I do take home office deduction and they are not supplying any equipment. Suggestions?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

Hi, I am new to investing, i am looking for mutual funds where i can have a long term investment. I and ready to invest 10k per month in SIP's split accross multiple funds. Can someone provide me suggestions

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.

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

Anyone have experience using John Hancock as a 401k provider?

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

Trying to transfer to Traditional model in September and recently got a trading violation. Would my transfer get denied?

If you work in PR: what is your salary and how many years of experience do you have?

I want to do strategy consulting on the side and serve prior clients (and net new clients) directly.

How do you all think about pricing (and how much)? Hourly rate? By project? Something in between?

One-man shop.

Hi all
I have a kind favor to ask of you, my dad who has 25+ years experience in finance is looking for better opportunities in UAE , requesting your help to kindly assist if you or anyone in your circle are aware of any opportunity. If there is anything please let me know and I will DM you .
Appreciate your help and su

Hi, I have 12+ YOE with dev experience in Mainframe and testing experience in Guidewire Insurance portals. Can anyone refer me to suitable jobs

Are there any good conservative sources out there that you think people haven't heard enough about? I'm not against liberal viewpoints or anything. I just think they seem more vocal than the conservatives and I would like to find a balance

Has your life improved by not watching news channels?
I do watch the news, but I limited myself to not more than 20 minutes a week. Have you heard about someone doing the same thing?

Do you think the news catastrophizes everything too much?

Is it fair game to report someone’s particularly polarizing IG posts to HR? Was friendly with this person but now I wouldn’t ever want to work with them after some of the things they’ve posted.

Anyone wants to join us for drinks at Smorgasbar? 🤗

If Yammer could be anonymous, people might use it.

Is CMA worth getting after getting the CPA? Or is it better to get the CFA. Also don’t have much finance background so I don’t know if I can pass the CFA will require a lot of hard work. Interesting in hearing people’s thoughts.

I have no plans in leaving PA anytime soon but I figure maybe I should look into another certification that holds value and makes me more marketable compared to my peers. Appreciate any thoughts and advice.

- Also considering going to a t14 MBA in future.

I’m an experienced candidate who recently got an interview at BCG. Assume I’m not successful and I were to go for a one-year MBA starting in the fall, will I get an interview even if I don’t do the GMAT? I heard MBBs like the GMAT for MBA candidates, but if I can get the interview without the MBA, will the gmat make a difference while I’m in the MBA?

If anyone wants to study for the CFE but doesn’t want to pay the full price for the study materials and would be interested to split it, please DM me

How did we ever allow Facebook and Google to grade their own homework? It’s super weird, right?

*** CFP Prep Materials ***
Is anyone interested in purchasing CFP prep materials? I have Dalton study materials including their course books, their review study books as well as their flash cards.

Deloitte experienced hires: What signing bonus were you able to negotiate?

Where are you buying your kitchen cabinets? Used Ikea in the past but that's clear not going to work right now.

PMI question: My home has appreciated by 20-30% in the last year (hot area), I've added about 5% to the home's value, and my LTV is 89%. I asked to remove PMI and my company said I was not eligible to even get an appraisal until the 2 year mark. Has anyone found a way to remove PMI early in similar circumstances?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Anyone know the ballpark cost to install insulation in a home that doesn’t have any in the walls? 2100 sqft home?

NYC rental property owners: do you put high end appliances in your rentals to entice tenants? Especially in this kind of market?

First time home buyer: If I bought a house with a conventional loan and due to unforeseen circumstances had to move and have been in the house for less than a year, could I rent it out or would I be forced to sell?

Any one knows what’s the easiest way to order a radon test for new construction?

Any tips/tricks for putting in a winning offer? We’re doing 10% down, primary residence. SoCal market and it’s hot, so trying to figure out how to best compete. Thank you!

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Is it legal to collect the rent in a separate LLC even though rental property is not owned by the same LLC?

Thinking about purchasing a property in the Turks and Caicos Islands. Anyone done this? Looking to learn more about the pros/cons of international / Caribbean property ownership.

For those who use property management companies to manage your rental properties, what are the services that you really value and will switch out to a different one if not getting such services?

Can I get a commercial loan without 25% down?

Looking to purchase an investment property (condo) in Denver. Anyone has recommendations on the areas that would be good from an investment point of view (cash flow positive)? I love Capitol Hill but I’m not sure what the rents are like there.

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

What rates are you finding from lenders? I got quoted 15 yr 2.62 with 0 points from chase. How to find best rates ?

Hi Fishes - real estate investing newbie here. My level of knowledge is essentially at the rich dad / poor dad level. Any recommendations for best books to read / best YouTube channels to follow to get deeper knowledge? If it helps, I live and hence will probably invest in the NY/NJ area… TYIA!

How hard is it to get a business loan to buy property? Trying to buy a building through a business and not sure how much I can reasonably get. Business is not some shell or anything. Own a business that is a current tenant in the building.

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

Anyone here recently get or see any amazing jumbo mortgage rates? It’s painful to search each bank individually. Would love something under 5.5% (only looking for 30 year fixed)