HYSA at Wealthfront vs Capital One vs somewhere else? Anyone have experiences to share? Just looking to park some money and have direct deposits go in but want it to be as easy as possible to transfer between my Cap One checking account

@Partners - how much money do you need to invest I to the firm to get your partner share?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Where should I invest money ?
Apart from shares and mutual funds.

Note: max amt - 20 lakhs
Need good return
Blocking period can be of 5-7 years..

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

Where is everybody putting their money right now?

I am already close to maxing my 401K, maxed my IRA, and purchased $10k in I-Bond. The remainder of my investing goes into a taxable brokerage account.

Anything else out there I should be considering in this terrible market? I know the I-Bond is the only thing that’s going to make money this year. 😔

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! I need to give indexes and I compare -322 with 5. The formula I use is iferror(-322/5*100) but the index I get is -6399. This is the only account with that strange difference. Is there something I am not seeing? Because I approach all of them in the same way.

Does anyone have any experience with B2B buy now pay later? While I understand number of SMEs and volume of online transactions are important drivers, keen to hear different perspectives incase I’ve missed anything vital.

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

What might be the ripple effect in real estate? When is a good time to get in?

Hello Fishes!

I’m in my early 20s and would like to get some ideas on what would be the best way to start investing? I have 10k for Emergencies, 20k in HYSA. And extra 10k to play around with. I’m already investing in my 401k up to my company’s match and planned on maxing out my Roth eventually…but would to know what are somethings you are all doing for investment.

Thank you!

Is bank interest riba?

I have been researching into this these days and there is literature that shares how lending worked in pre-Islamic Arabia. When the time to pay back a loan came, the lender would ask "would you pay or will you increase?" And that increase was usually doubling the loan. Subsequently ever year the loan wasn't paid it was doubled from the previous year.

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

Today I tried to tell myself what my favorite thing of being a lawyer is, and the only thing I could think about is when the direct deposit hits every couple of weeks…

Should I expect an income drop moving from CT to Houston?
Currently Tax Associate 1 (2 busy seasons) making 72k at a midsized firm.

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

Hey, I’m thinking of getting a Mazda CX-5 2022. Is it a good car? Is it worth the price? Any problems I’ll run into in the future? Please talk about it! This is my first car and I’m super anxious and need to make a deposit soon! Thanks. Is it expensive to maintain?

Nice Leather laptop bag recommendations pls. Looked at Tumi website. I can’t expense ~$600 for 💼.

Hi, wanted to know how appraisal/ hikes are in Legato.

Does anyone use ADP for end to end including payroll and background checks, and recruitment?

Hi all,

I would like to hear out your opinions on internal salary negotiations at the back of promotion.

I'm a Business Analyst with over 10 years experience, been in the same company for the whole time, Currently, I'm below Average Industry standards by approx. 10% for my (current) role.

I have applied for internal job which is effectively one level above, meaning it would be a promotion.

I got the job, awaiting offer.

Average Industry Salary for the new role, according to online research,

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

What is the notice period during probation in HCL.
Please anyone tell me.

Thanks.

Any opening in accounts and finance

Team i am working in Deloitte USI bangalore having 6.5yrs of exp in cybersecurity . Got an offer in Pwc ac Kolkata but in bangalore office . They are offering decent hike 48% and manager role . Seeing so many bad reviews a bit concerned now !! Should I go ahead or not ?

Please suggest..

We Indians are so poor we can't think anything else except money. Whole Fishbowl is all about YOe and Salary. No one interested about if any company doing any innovation or not. B-Tech colleges put ads with Package and Campusing only. Almost 99% Indian YouTube thumbnail is like "5 lakh to 40 lakh", "Interview Experience in bracket 50Lpa" etc.. Hardly we can see Foreign Editorial things marked with Packages.

#sharing thought.

To make job referrals easier, I am making a sticky thread where job seekers can post what roles they're looking for and people who have openings in their organisation can post their requirements as well.

This will make it easier to browse through all the available opportunities in a single thread.

Please feel free to post job referral related questions, opportunities, etc under this pinned post.

New to this. Is it typical for a firm to ask a staff to do the work of a senior for a year to show that they are ready for a promotion?

Mirzapur 2 - anyone else watching it ? Loving it ! The dialogues are amazing

Any folks at MMB/T2 in St. Louis open to connect? Are there many local projects or do you travel most of the time?

Taking a quick poll, do you prefer reading ebooks or do you prefer the feel of real, physical books? I love real books myself!

Anyone over here doing HIIT regularly?

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Have 20k, what’s a good small business to start with this fund? Serious question here

I’m a renter with 10 months left on my lease. Have an option to invest in a 3 unit property with someone who would live in one of the units. Would it be a bad decision to invest but continue renting?

Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

Since the fed rate is now zero.. What does thst mean for mortgage rates and savings rates? They gonna plummet to nearly 0%?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

I am looking to start a brokerage account but I’m not sure where to start. What would you recommend as step 1?

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Where online can you invest in rental properties/real estate as a non-accredited investor?

If you could right now, would you buy a house in full cash or invest in the market?

I finally at a place where I could buy groceries without checking the prices. In the past I wouldn't buy something I so desired if it's a bit pricy.

How much are your biweekly paychecks after taxes, insurance, 401k contributions, etc. and how much of each paycheck do you tuck into savings?

Poor, clueless 23 year old here. Any tips on how to balance retirement savings with short-to-medium term savings goals? (Wedding, MBA, car, down payment).

I currently max out my Roth IRA, but don’t max out my 401k. If I did i would have nothing left for liquid savings. Any tips?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Anyone here retire in late 30s or know someone that has?