I am $70k in debt with $30k in credit card debt and remaining in student loan. I have credit score of 600 so I can’t get a loan with lesser APR than my credit cards. My salary is $5000 but $1800 goes in rent. I have reduced my expenses to bare minimum but debt doesn’t seem to come down. What options do I have? I have heard about debt consolidation but there are chances of lawsuits.

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

How do you effectively plan for retirement?

Anyone in the foothills? Wife and I moved to CO last year and bought a home in Conifer. Love it up here, but would be great to meet some peers!

Why you should stay invested : asset inflation, then normal inflation, low rates forever, trillions in additional stimulus, dollar destruction (on purpose), coronavirus pushed tech ahead a year or two in adoption. STONKS ONLY GO UP!

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Anyone have any good alternatives to Panerai Radiomir? Trying to keep my next purchase under $1k

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

BTCS penny stock in the move today. Thoughts?

Best resources to learn about stock options included with an offer? Don’t want these roses to start smelling bad in a few years..

If you don’t know what you’ll be spending in retirement, how do you know whether to put the majority of your money pre tax or post tax?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Welcome everyone. I hope to keep this bowl clean of any promotional content while discussing ideas to grow our wealth together. Please share the group link on your company bowls so that we can get good participation and useful insights...

Bowl to discuss investment strategies, how and where to invest

Hello everyone, is there any openings for designing and animation field?

Hi Fishes,

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What does the technical assessment at Wynshop go over?

What motivates you to leave your house every morning and perform your duty as a police officer?

Buying a Cathay Pacific Economy flight, am AA Platinum, can I use AA miles to upgrade my CX flight?

In the beginning of my career I absconded 1 company who had 3 years bond and I worked there for 5 months. My pf account is created for that company and it has been closed with reason cessation (short service). After that I worked in 1 company for 6 years and since January I'm working in TCS. Should I mention my first company experience. So far I'm not mentioning it anywhere.
Please help me out with this
Requesting you to like the post even if ur not able to help so that it reaches to more poeple

For those of you who are SHRM CP certified. Can you please advise if the SHRM learning system is worth it? Are there other effective learning tools that are less expensive ?

Thoughts on the Heuer Monaco? Never been a fan of Tags but the Monaco is a looker! Any ideas where to get one?

What’s it like working at Spark?

Hey, so I’m going to my first 3% conference. I heard it’s usually white feminism x 100. But I was wondering what I should expect? Has anyone been.

How much money have you invested in crypto currently? I’ll start - $5000 currently

Implications of a PE firm selling and a company bringing on a new investment partner?

Welcome to the bowl for synechron. We will discuss in and out of everything happening throughout the organisation. Feel free to ask any questions/doubts.

Anyone in dc? Let’s get fucked up

Hey all
I am looking for a female flatmate to share a 2bhk with me.
Gurgaon office
Flat is within 1 km from office.

That was a fun little tremor last night...

Whether its difficult to get GCP Projects in CTS?

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

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?

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)

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

Best high yield savings products?

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

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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.

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

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

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

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

What do you think are missing from the personal financial management apps such as emma, yolt, cleo