I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

Started my grad job in consulting and keen on getting a credit card - any advice?

Once you get promoted to manager, what stocks and commodities are you prohibited from buying for independence purposes? Does this apply if you are in tax as well?

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

Does 401k count as savings?

I get Waddle & Pollard, I give away Mattison and Davante Adams. Good or bad trade? I am 0-3.

Who all has invested in Short Term Rentals?

Can my current lender refuse to accept the payment from refinance lender because they want to make more money from me? How do I sue them ?

What are some good modern/post-pandemic personal finance books you can recommend?

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

Just checked all the assets and realized we're close to 1M€ net worth. Most of it is on the house, don't feel rich at all.

So I want to marry a physician (girl) as they make good money so I get a good life plus decent retirement. Is it selfish to marry someone for money???

Any Amex employee here with an Amex card? Could you guide me on the process and eligibility of cards and what benefit do we get as employees?

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

BakerTilly people, what application do you use to prepare your financial statements? Do you use word/excel?

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

Good resources to find industry metrics? Interested to see how carriers rank up by product type in direct written premium, new business, combined ratios, etc.

Best CBD brands for sleep... ready set GO!

1/22/22 Daily Checkin! What’s your work out for this Saturday?

I'm reading this book on boundaries. In the work section it says I should tell my boss that I can't work after 5 PM. Knowing that advertising work commonly goes past 5 PM...would my job be in danger if I said that?
There's not really a rule book that says I must work until the work is done even though it's an unsaid expectation. Thoughts?

Best self-help books on the market? I've been consistently unhappy lately. Something needs to change.

Any of you in FinTech coverage? Part of TMT or FIG?

What is the value in professional certifications? ACCA, CFA, CIPD, etc.

I have a Bachelor's degree in Finance, but now want to pursue getting a masters in IT. What should I do?

To the people that dump loads of $$$ on mobile or computer games as a way to chill after a crazy day, why do you do it? I am thinking there has to be better way to cope.

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

Anyone going back to the Chicago office yet? Is it worth it?

Almost 2 years out of AD, and now thinking about going back to the Reserves to get my TSCI and just cause I miss it. Does anyone have insights on fed consultants’ salary with a TSCI?

Taking a counteroffer and after 4 months leaving for another job. Will I be burning bridges?

Guest list stress 😖😖 how many did y’all invite vs how many came?!

I think the Matrix is broken, I just had a déjà vu.

Hi background in audit and soc compliance now working for a non-public firm but delivering support to the auditors. Being that I am new I am still learning all the processes however cannot find a single process narrative. In order to better my experience performance I have attempted to find some type of structure.
Nothing is compliant…..

Would you send over a file for review with your name on it when told for job security or respect yourself and understand why first

I have a lease with my landlord in NYC. He is selling the unit. Am I going to be pushed out by the new owner? I’m still ok till my lease termination date regardless right? I guess that’s all I care about.

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

What's with companies charging full fees for diminished benefits? I'm a bit annoyed about being charged in full for my Marriott card annual fee and Amazon Prime mebership

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

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.

How is everyone feeling about the market today? Buy? Sell? Wait?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Investor’s Business Daily: worthwhile?

Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

Anyone have experience with or recs for a good moving / shipping company? Trying to gauge typical cost, have about 5 furniture items to ship between states (7h driving distance) and would like them to load / unload. Thanks!

£30k lump sump cash in UK, how to maximise returns within a 15 year time frame tax efficiently assuming liquidity is not required?

Can someone share a Charles Schwab referral link?

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

considering betting a ton of money on tomorrow’s elections via “predict it”, as an emotional hedge. is this a stupid idea or a genius idea

I have a Fidelity Brokeragelink account for my 401k. Every other year I switch from pre and post tax contributions. My money is spread over 3 ETFs currently. Does anyone know how this is tracked? Say if $100k is traditional 401k and $100k is Roth 401k, but they’re mixed, how can Fidelity track what funds are Roth/traditional? If I’m up 300% in ARKK, how can I or anyone else at fidelity tell if the cost basis was pre or post tax contributions?

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!