I have to borrow around 10k l. I can sell stocks (have more than enough in my brokerage) but don't to realize cap gains. Any downside of a personal loan? I've heard that that can lower the credit score. I have about 750.

New to the US, what’s the deal with state and city taxes here? What am I getting in NYC for the extra 10% that I’m paying vs let’s say Miami?

What’re some good ways to invest $150K.

I found a house that I know is a great flip opportunity but im not sure if the area is my favorite. If I buy it, live in it while fixing it up, then make the decision to keep/sell in 2-3mo, can I use a primary residence loan? Would I have to hold it for any certain amount of time to be allowed to sell?

Anyone still waiting to receive their IL refund for this tax year? I have had no luck reaching them
Over the ph or on the website. Any tips on how to contact and get a status on refund?

Tampa lawyers who work downtown: where do you live? Looking to purchase a house soon and am trying to decide between a low commute time (crappier house and a tight move financially) and a longer commute time (nicer house and more comfortable financially). The longer commute time also comes with better public schools, and I want to have kids.

How old are you and what's your 401k contribution? I feel I didn't take it seriously in my 20s and now regretting 10 years later. How does one know you have enough saved up for retirement? TIA!

Is it realistic to buy a studio/1b condo on my own in the city with a 150k salary and no debt? I used those affordability calculators online and seems doable factoring in HOA. But I’m wondering if there’s other significant costs and expenses I need to be aware of for buying and owning a condo in the city. Anyone bought condo on your own? What surprised you the most?

How do you all save for a down payment? Graduated last year. No debt. 1 month from having my emergency fund. Not contributing to 401k now but will contribute 6% in a month.

Anyone have a Chase Sapphire Preserved credit card referral code? I’m looking to apply.

I recently changed jobs and my new 401K provider - Principal has very limited MF investment options. My prior employer’s 401K was managed by Fidelity and provided me access to a range of MF options. I believe that the fund options are negotiated by the employer and provider? Two questions. First - I have not rolled over my previous 401K to the new one. Would there be any problems. Second - is there a way I could move my current 401K to another (precious) provider?

Do we get our tax deducted refundable? I have submitted my IT returns on time?
Pls advice..

I work full time at a high paying stressful job. My spouse decided unilaterally to "retire" at 55 years old. We do not have savings for retirement so I work. He told me he quit his good job because I have a high paying job. He helps around the house. Does the cooking, grocery shopping and garbage. Yet, I feel resentful. I have had cancer 2X and am healthy now, but the stressful job wears me out. I want my husband to contribute more financially. Am I wrong?

I'm a foreign national with a UK work visa, normally working in London. If I end up working from home outside the UK for 80-100% of the tax year does my UK tax rate change?

How is upper kharadi for buying flat? Did anyone buy flat around it recently?

What have y'all done with cards after you got the sign-up bonus, but it just wasn't worth spending more on the card? A few months ago, I cancelled my Marriot Bonvoy card because Bonvoy points are worthless compared to airline points on other cards. Any reason I should have kept it?

We are buying a house and my knee jerk response was to look at a 30 year fixed mortgage (because that’s what I’ve always done). I realized last night that a 30 year mortgage might outlast me. Having a bit of an existential crisis now.

Desi 🐠 from Chicago: Do you have a recommendation for a good tax attorney around downtown to file taxes. Someone with knowledge of tax implications of investments in both US & India. Thanks!

What is with people not knowing how to read signs? We have a huge one that says “NO CASH ALLOWED” and I still get asked almost everyday if we take cash

15k in savings. Living in NYC, 2 years out of undergrad. No 401k setup yet or other investments... where do I start?

Salary for intermediate copywriter in Toronto?

Once you have been working professionally for a few years, is gpa ever really brought up in interviews or the interview process? I didn't include it on my most current resume and I was able to get a few interviews lined up. I was somewhat unsure though if they would possibly bring it up as a question. Thank you for any responses.

So frustrated! My husband had severals with a company called Kabafusion and they gave a verbal offer. All he was waiting for was the official offer letter which never came. Now his HR contact won’t even txt or call him for an update.

are there bowls for PwC and Deloitte?

Self-doubt and imposter syndrome are dragging me down in this new role with high expectations. I’m procrastinating because I feel overwhelmed. What small changes can I make each day to fight this?

Just bcuz consultants have opinions on almost everything, Mexico does not deserve the MU2021 crown based on her answer. Peru had a better answer. EY firm was the official tabulator, did they make a mistake?

WHO is going to pay their taxes like a good citizen? My tax advisor told me every time you purchase an alt, its a taxable event....

I've been told by a friend that rounding your GPA up on your resume is fine, is that true?

For a little context, I currently have a 3.95 GPA, and he asked me why I wasn't rounding it up to a 4.0. He also said that he had a 3.92ish and he still rounded up to a 4.0.

I don't want to lose a job offer or start off on the wrong foot by potentially being considered a liar/untrustworthy.

Thinking of buying (my 1st) apartment in Chicago. Plan is to life there for a few years. Then rent it out when I’m over city life. Any tips/advice for how to budget what mortgage I can afford?

When I get deliveries, I always ask the delivery person to “just scribble” instead of a signature as it’s not good for either of us to be touching their screen. I then ask “ha how did you know what my signature looks like?” Always puts a smile on their face 🤣

Hi - I have never used this. I’m planning to schedule fertility test. Would this programs offer me any benefits?

Thanks in Advance!

Is s&p 500 and s&p global are same things?

Anyone have a spouse/partner who is a picky eater?

I grew up with two french bodybuilders for parents and enjoy super minimally seasoned, whole, unprocessed foods (yes, we were the weird house for not having goldfish as kids), and I live with my handsome man from a beautiful Mexican family who cook with many flavors but also eat out a LOT.

He is okay about my cooking as it is 90% veggies, but some nights he’s blunt that he’s picky, and I whine about going out. Thoughts?

Hiii pals,
I am looking for a job opening in the health care sector as a physiotherapist.
I have an experience of over 10 years and have been looking for an opportunity for a job.

How long should the hiring process take at Unity? It’s been 6w and 8 interviews…still not heard even after contacting hiring manager and recruiters. Is this a good sign or a bad sign?

Zscaler offered me position in Amsterdam for senior Qa. Offering 85k base pay and 20k equity for 4 years. I am 12 year experienced, feel lowballed with the offer.
How much can be negotiated here, what would be a good number to check with HR team?

So I’ve been to multiple interviews at google now for a datacenter technician job (either L2/L3) in the Netherlands. I’ve now come to the point to negotiate my expectations regarding salary. Do you guys have a baseline or recommendation of salary that I can negotiate with?
Thanks in advance :)

Hi in process of buying a house. Trying to negotiate a buyer rebate with a realtor - we will be moving from outside of town so need full service, (video tours, actual advice etc) - do most realtors work with rebates? Is 0.5 or 1% good?

What American city would you choose from a FIRE perspective?

Traditional IRA or Roth IRA? And why?

What’s a good rule of thumb for what percentage of take home pay your mortgage takes up?

Where do you all want to retire? Share your retirement location goals and reasoning!

Does anybody work a part-time job for spending money? I’m considering working one retail shift a week purely so I can have some frivolous spending money that doesn’t impact the budget. Is it crazy to kill 6 hours a week for less than $250 a month?

Joining a startup without a traditional 401k (not US based). Are there any other equity investing options besides IRA and standard brokerage contributions?

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

How do you factor in helping your extended family in your expenses? I'm a 1st generation immigrant and still have most of my family back home. I'm trying to reconcile having money in savings.. CONT

Hi All - new to FIRE and trying to make the right decision around investing my bonus. My company works with Fidelity but I've heard so much about VTSAX. Is it worth opening up a Vanguard account for post-tax investments or are FZROX and FSKAX true alternatives? Thanks so much

There’s been lots of debate. Are you banking on the 4% rule? Why or why not?