I have $50k (+emer fund & retirement) and I want to build a deck, which will be $25-50k depending on options. Should I pay cash for the deck or take out a home equity loan?

It’s starting. Anyone selling their stocks, investments yet?

My wife is using my credit card too much.
Monthly around 13K.

Everytime I confronted her the ending is always the same, I loose the argument and end up paying everything.

Does anyone have any experience paying back a signing bonus early and how taxes are treated?

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

Hey - Might be moving from Florida to Illinois. Is there any way I can avoid changing residency and IL income tax? Realistically, will I be audited?

Any suggestions for central NJ housing esp. when it comes to finding upcoming new construction single famiky? Feel like this market needs a correction given everything is 1.2 million or above

How do people afford to buy $1M houses in Chicago? Surely not everyone buying them is rich (which is somewhat of a subjective term). My wife and I are 30 and have a combined income of almost $300k and trying to buy something that expensive seems asinine yet people do it. Am I missing something?

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

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.

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Which crypto coins are you putting your money in?

Anyone interested in property (land ) purchase in Group..

Contact me if interested:
9604060922

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

I have $20k in savings, I owe $6,000 to my 401k loan, that’s the only loan I got. I am debt free otherwise except for my house. Should I use my savings to pay off? Since people are talking about unemployment and being fired, I wanted to make sure I have enough, 👩🏾‍💻... What should I do? I initially took the loan to add to my home equity when I sell my house for a new house then covid hit.

What are trading policies in MBB and Big 4? See all these posts about buying stock, while here I am at BCG basically limited to only ETFs by our trading policy

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

Need 20lakh by next year for down payment have 1.8 L on hand which MF or stocks to invest so that can get 20L by next year and how much per month

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Has anybody invested in Yamuna gaur city or planning to do so?

Hi Fishes,
Need help with a tax query.

I am earning 85k/month now. Thinking to purchase a land of around 15L, not just for investment but to build our own house on it in future.

Though I can somehow manage it without taking a land loan. But I was wondering if I can take some to avail tax benefits.

So my doubts are - Can I avail tax benefits (like home loan) before construction? If I take the loan just to enjoy tax benefits then how much loan should I take at most? Have only ~68k EPF in 80C

Looking to get into photography and want to splurge on my first non phone / non point and shoot camera. I’m trying to decide between the Nikon Z50 and the Canon EOS RP. I will mostly use it for landscape, and then family friends pets in casual settings. I’m hoping to find a camera I can learn on and grow into. I don’t expect lens selection to be a major factor for me as I doubt I will carry multiple lenses - probably just one at a time. Any advice?

M 🐠 here. I just watched two episodes of love is blind. I just couldn’t do anymore...

Been on a project for 2 weeks and thinking it’s not for me. The manager is kind of rude when I ask for help/direction, but he always says to ask if things are uncertain. He always has this condescending attitude and just keeps telling me that he expects more of someone at my level, C. I just keep feeling anxious that I’m not meeting expectations and feel reluctant to ask for help. Anyone in the same boat?

Hello Colleagues - I am a Tax Senior (M) applied for a transfer to Pune office and will be moving around Nov/Dec - no rush as such as we need to report to office by Jan.

Looking for a chilled out flatmate who is also looking for something similar. Lil about me if it matters;
Super organized, non-smoker, Beer connoisseur, console gamer-Xbox series S (Almost unbeatable Div1 in FIFA 22), a backpacker

Will find a 2 BHK fully furnished in a gated society around Kharadi-EonIT park Please drop a DM!

Hi and welcome to the Career Advice Bowl! Stuck on how to make your next move or what that move should even be? Had an experience you feel others could benefit from hearing about? Just need to vent for a second? We got you! Post away, all. I look forward to seeing what conversations and connections come our way.

I recently made the switch from industry finance to consulting and I’m struggling to find my place within the role. I was brought on as a Sr.Associate and I feel like I’m not producing at the same level as those below me. I’ve been told that my focus probably needs to move from producing deliverables to guiding/leading those who are producing deliverables. It’s really throwing me for a loop here and I just want to know if this guidance for a sr. associate makes sense in the consulting world.

Hi everyone , I am searching job location Kolkata only! YOE 4. Any lead would be applicable.
I have done MA in Public Policy and Governance from TISS worked with kpmg , Karnataka state and ngo.

Hello! I’m happy/surprised that a CRM bowl exists.

Guys suggest how should I try for product based companies I mean don't find any details in naukri how should I apply kindly suggest?

Java developer
6yoe

Has anybody accepted a job offer and then later rejected it to take a different offer that materialized later? Were there any repercussions to your reputation or otherwise? Any regrets?

If you freelance at one spot for a while but switch to a new location for a higher rate even though the original wanted to extend you, is that considered burning a bridge? Or can you go back later?

What are you looking for?

Hi guys,
There is a news going around about Broadcom acquiring VMware, how will this affect the VMware functioning overall ?
Any thoughts ?

Hi all, Anyone out there certified for a associate google cloud engineer certification, may I know the difficulty level and exam point of view setup

What are the employee benefits offered in virtusa?

What should be designation and salary for cloud architect with 15+ years of experience with 8-9 years of relevant experience in cloud

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

QQQ vs VOO?

Any good wedding ring sources aside from Blue Nile?

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?

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

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

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

How would you budget 1600/month of disposable income after 401k, rent, savings? Currently 24 with no other debt obligations or expenses

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

People living in LCOL areas who bought a house in the last few years... What did you spend on your home, what are the bed/bath #s, and did you buy a fixer upper, turnkey home, or something in between?

Starting to home shop in a LCOL city and I'm super curious to see some numbers from others in similar types of locations. I'm originally from a bigger HCOL city so what feels "reasonable" to me is skewed, but everyone here seems to want to spend as little as possible on homes.

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

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

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Hi all, just got the Amex gold 90k points welcome bonus referral offer in my account. Let me know if you’d like a referral :)

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

Does anyone have a financial advisor they recommend? So far I just throw everything extra into a mutual fund but I know this isn’t the smartest way. Looking for someone who can deal with the independence restrictions and help me make smarter decisions (or just do it for me)