I am a 42 year old and keep getting told I need to move to less risky investments (bonds) as I age and near retirement (say at 62). I understand the situation but think it is a little too early. My logic is that even in retirement, I will need to grow my money and assuming I live till 82, it is too early to back off riskier options (stocks - not speculation). Maybe at 55 I can see that but 42 is too early. What do (similar aged) folks on this board think?

How much discretionary cash do you keep around?

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Anyone here tryna go into impact investing?

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

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:

Rental expenses: experts recommend spending no more than 30% of gross income on housing per month. What’s your: 1) monthly gross, 2) % spent on housing, 3) high/medium/low cost of living city? Trying to get an idea of how y’all investment fish prioritize housing vs savings.

Is it better to buy stocks and options around 10 or after 1 pm central time to avoid the market rush/high at 9 and 12?

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

Thoughts on the new Chase Freedom Flex?

Does anyone have experience with defi yield farming? It seems like a great way to make passive income, but I’m hesitant on how I can report the profits for my taxes. It seems pretty difficult to keep track of. Any opinions would be appreciated!

How do I legally gets my hands on $100k that my future wife wishes to hand me over for investment purposes (she is outside the US). We won’t be marrying for another two years. Thank you!!

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

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.

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

Has work been slowing down for anyone after all this?

Favorite part of being a vet?

Vet assistants/techs, do you ever get tips?

Hi all, can anyone comment on the culture at Platinum Equity, in particular in the UK?
Also, what are the different levels (hierarchy) and rough comp? @platinum equity

I’m currently a Grade 11 at Cisco. With the recent pay structure changes my annual comp will be $150k + 12% bonus. I live in a large metro area in the middle of the US. I’m looking to move around the company so that I can make commission but I don’t want to be an account manager. Can anyone tell me if there are Customer Success Managers, etc positions that manage customers post sale and have a similar range base as me with commission plans? I’m just trying to understand income potential.

Hi folks, I'm a new joinee in tcs. I have been allocated to a project in tcs a month ago and still my on boarding at client side is not completed. All they say is it is stuck at client side and we'll update you. But its been more than a month. What should do in this case? Should i speak with HR or my department SPOC? Please suggest.

12 years experience as a software developer. How much package should I expect from a MNC company in Toronto, Ontario, Canada?

What is the salary range for grade 26 in optum?

I am being offered 17 fix + 81 employer pf contribution + 2.55 variable.

Is this an good offer for grade 26??

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!

Freelancers: Are interviewing for freelance jobs different? Only 1 interview then you start or a few like staff? Experiencing different things and don't know what to make of it!

Thoughts on Deloitte’s M&A Human Capital practice? Thought on Strategy& organization strategy? Should I expect case studies fir Strategy&? Any tips would be helpful.

Best website or realtor o company or way to find and buy a condo in NYC(Queens, Bronx or Manhattan), 2-3 bedroom.

Sitting with a $50M prospect tomorrow and I’m so nervous. I’ve only been in the business for a year and I have no idea what I’m doing

I'm in the Wharf, but could come into city for a meet up.

Newbie in investing. Have 50k saved and would like to invest in index. What is the best time (now vs after new year) to do that?

First human to cow transmission of the coronavirus. And the bull is dead.

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?

Which assets to invest pension into?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

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

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

How much do you keep in the bank vs brokerage?

What financial sites you use to keep track of portfolio and also do basic analysis of stocks. Such as which one are monthly gainers looser or how they performed in last 5 yrs. I want to build a cont.

Would you cash out refi a rental property to buy another rental property?

If you were to buy only one, ARKW or ARKK and why?

Anyone have any legitimate passive income? I’m talking about something that takes sizeable upfront time investment to get going, but takes <5 hrs a week to maintain.

Anyone using services like Motley Fool or Seeking Alpha or any other paid service for stock recommendation? Looking if they are worth it or not

You guys think that buying CGC or TLRY now that they’re beaten down are a good Long term play, or do you feel they still have more room to fall?

Rental expenses: experts recommend spending no more than 30% of gross income on housing per month. What’s your: 1) monthly gross, 2) % spent on housing, 3) high/medium/low cost of living city? Trying to get an idea of how y’all investment fish prioritize housing vs savings.

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

How do I legally gets my hands on $100k that my future wife wishes to hand me over for investment purposes (she is outside the US). We won’t be marrying for another two years. Thank you!!

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Gl as a aor