Husband can make some extra payments starting next month; he said he wants to pay extra towards his student loan, I have advised him to pay it towards the mortgage instead. Can someone please advise what would be a smart financial move and what we should put the extra money towards

Hi folks- Anybody has a tax accountant to recommend in Toronto? First year in Canada and could use some help with it. Thanks!

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

What credit card do you use?

My strategy for Bitcoin:

Buy low
Get worried and sell lower
Get FOMO and buy even lower
Panic and sell at its lowest
Cry myself to sleep
Repeat

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

I be wanting to go off but then I check my bank app, calm down, and keep working.

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

I’m 9 weeks tomorrow! My husband and I are starting to explore savings options for baby. We’ve looked into 529s, custodial accounts, a Roth, high-yield savings… and I don’t know what’s the best option, I feel overwhelmed. Would love to hear what others have done or are considering! TIA

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

📊 Poll: Is Snapchat worth it's 3 billion 💵💵 IPO valuation?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

Well, its a good thing I sold ARKF when it was $55 last year

Joining D soon as manager. Can we use Interactivebroker for stock trading?

Property experts… does anyone own more than 1 rental and have had to pay the 4% LBTT supplement? Is there any way to avoid it? Presume not

Hi ,
I have got sodexo card activated today. I found there is Meal Pass card, Meal benefit pass card and Cafeteria card

Which one we get money loaded ? Will that only usable in Bofa cafeteria!

from logistic perspective..how are you guys transferring/moving your money from your US bank account? wire transfer? write yourself a check? idk about check, but cashing in $50k might raise a flag.

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

Any great personal finance/investment books to read? Or even YouTubers/Podcasters

Really looking into expanding my investment horizons — particularly about learning about how to allocate my investment portfolio. Also, always nice to learn about better ways to save and cutback.

“Don’t worry about the budget. If we like the idea, we’ll find the money.”

Has anybody ever found that money?

I read this super interesting article about how big companies like Toyota are investing in social-emotional training for their employees and seeing massive benefits. I actually think this could be a whole separate class for students of all ages. Learning about conflict resolution, growing your own self-regulation skills...it's really important.

Any consultants from Deloitte who can help to staff in a healthcare project? I’ve worked with healthcare clients for 10 years and relatively new to the firm.

What are you doing for a retirement plan as an independent consultant? Solo 401K, SEP IRA, etc.? Any recommendations on where to open an account?

Term ”Latinx”, thoughts?

What are some projects you’ve had students do to show the influence of classical works in a genre?

I hate you, Verizon. You are the worst. That’s all. Just needed to get that out of my system.

What were some effective tips or resources that helped you to learn the systems of your first firm? We feel like our firm admin/paralegal is not getting acclimated and not assisting the firm as we hoped. So we want to make sure we’re effectively training her and providing the best resources/tools for success.

How to refer someone for a role at JPMC?
Not general refferal, but for a specific role?

How All,

My HR was completed on Oct 6th. It's been one month and still didn't receive an offer letter from Bosch Bangalore. They are feeling it's pending for approval. Any comments ? Did anyone receive offer letter after 1 month ?

Is today salary day? I havent received my salary yet?

Is it normal to sleep only in your vest and briefs?

How do Rolex waitlists work with respect to different models? Like if an AD could let me have a Sub, Exp 1 or 2, DJ, GMT, etc I would honestly take whatever is available first. Are there lists for specific models or is it sort of just one big pool?

Hi friends,
Please give me likes to activate my DM.

Hey ,I applied 3 weeks ago to Bank of America with a decent resume and referral. But still did not heard back.Need a human eye who is willing to check my application and help me moving to the next step?@BankofAmerica

Hi All,

Hope you and your family is safe !

I am an US tax consultant specialised in Fiduciary Tax services. I am looking for a prep/review jobs in PwC. I am well versed in prep and review of 1041,1099, hedge fund K-1s, and additional tax returns required for a trust/estate.

Please let me know of any job opportunities in the firm.

Thanks in Advance :)

Anyone know of any VC funds hiring analysts or associates in Europe region - preferably UK/Nordic/Netherland countries.

Why are read only documents called “riders?”

Thoughts on personal loans to consolidate Debt?

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Anyone ever use a credit repair service and have success?

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)

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

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

Anyone have a recommended tax person in Chicago?

Google stock to buy now or after the split?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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?

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

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.