I have $200K in betterment for automated investing (eg 90% stock 10% bond) and use Personal Capital to track all my accounts. Recently personal capital approached me to use their advisory service to manage the investment - the fee is 0.89% vs. 0.25% at betterment. They don’t seem to have a better strategy except “we have a live person managing your investment”. Anyone have experience? Shall I consider it? (I don’t have time /energy to manage it)

A lot of my friends (on H1B) have bought houses in suburbs (or away from City) the past year. I really would like to stay near City (NYC). Any of you considered or have bought apartments in City area instead of huge suburb houses? Any pros and cons that you are aware of?

I don’t play with options much, but I happened to buy VERU calls for 2/19 a little while ago and now it’s skyrocketing, it’s up over $1k for me- will it keep going up? Should I just take the profits now and be happy?

Word of the week:

Junior • Mortgage

A junior mortgage is a mortgage that is subordinate to a first or prior (senior) mortgage. A junior mortgage often refers to a second mortgage, but it could also be a third or fourth mortgage

is it feasible to buy individual stocks in my Roth IRA and sell later, and then switch to less volatile index funds down the road? Is this too risky/a bad idea?

Beginner here. I'm trying to use my points to buy a flight to Puerto Rico. If Delta costs me 55k points on my Amex (valued at $600 per Points Guy), versus United which costs me 60k points (valued at $700), shouldn't I still just go with the Delta cause I'm spending less points?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

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?

Sold 10% of my ETH @$2,500 to pull out my initial cap investment - so tempted to throw it into btc on this dip. Should I pull the trigger at $50k or wait for $47k?

Who wants to be a millionaire?

Anyone here tryna go into impact investing?

Didn’t realize crypto had MLK Jr sales too! 🤑💰

Got targeted for Amex platinum 100k. Is it worth it? Is there a higher targeted offer?
Considering doing it since no more personal card for BCG expenses. Also have CSR fwiw.

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

At what point do you start paying taxes on your side hustle?

Incoming BA - any advice/links on the math for the best credit card for personal use?

Anybody have strong feelings about BAT? My friend just put his life savings in it, and I’m trying to talk him out of it...

I had a crush on a girl. It's been almost 2 years since I confessed my feelings to her and today she told me that she likes me too.
The only issue is she's a Muslim and I'm a Hindu. She believes we don't have a future and that's why she took a long time to confess. She is confused on what to do and even I am confused because things will actually be difficult for obvious reasons.
Please advice on what we should do now.
Should we part ways or should we fight for it?

May as well spend more time beating the meat while stuck at home. Any paid/premium porn site recommendations (no links).

Tried applying a couple of times to ServiceNow, totally matching required skills, but never get a call back, I'm curious to know how to get shortlisted

Senior Program Manager / Director looking for EU based remote work. Planning to relocate back to the EU on a permanent basis in the next 4-6 months. Open to work & would appreciate any kind of referral!

Are y’all raising rates to account for inflation? Am I stupid if I haven’t yet?

Big Ass Fan - Haiku - has anyone purchased these and can recommend it over other ceiling fans?

About to close on a house soon, and looking to smart automate a lot in the house with fully integrated devices - but at over $1K a pop these things aren’t the cheapest but I’m convinced we’d get a lot of use out of these.

When is Havas going back to office?

Is A&M still hiring at Director and Senior Director levels in PEPI practice? Any COVID related slowdowns?

Need referance for ReactJs developer position.
1 year experience in React.

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Thoughts on Veteran status and the ongoing corporate layoffs?

Anyone here have any experience with The Mars Agency? What’s it like over there?

How long should I be on H1b b4 my potential new employer can initiate my transfer?(on opt now).H1 activates on Oct 1st right?Shd I work with current emp for x days before new emp can request transfer?

What is the salary of a 14 YOE VP in morgan Stanley bangalore ?

Random question for anyone who has ever exchanged/gotten a replacement away travel suitcase. Is there any flexibility to get a different color? My interior zipper broke and I stopped in a store to ask if they do repairs and they said to bring it in and they’ll just replace it. I wouldn’t hate switching the color but feel weird asking for some reason

Looking for job change in DB2 LUW DBA profile.. do have 3.5 years relevant experience and total 8 years experience. Please let me know for any opportunity. I am taking care of L1 and L2 tickets

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

DeFi bug accidentally gives $90 million to users, founder begs them to return it - CNBC

Thoughts on Amazon credit card? I’ve been hearing about some good perks, but not sure if I should go with something like AMEX/Chase instead

What are your thoughts on Baidu as an investment?

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?

Dental insurance question: if the company dental insurance doesn’t cover enough and you +spouse both need implant next year, could you buy additional dental insurance? From where? Anybody have the AICPA offered one? Thx!

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

Dumb question but how many likes do have

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

On average, what % of your lifetime savings should be directly in the market (MFs and ETFs)? This is excluding 401k, Roth IRA etc

Considering opening a 529 plan to fund my MBA in the future, is that possible?

I really want to move out of my parents place for social reasons etc. I still hangout with friends a lot but it’s just a hassle having to drive a hour or so to kick it with them. So my dilemma is I enjoy saving $ on rent (yes I know can’t have both) but the main reason for me moving back home is so that I can save and buy a house. On the flip side with how expensive houses are right now it’s hard to even buy. I’m in CA btw SoCal. If anyone has any suggestion of places to live for a 26 YO TIA!

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?