I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

Red flag? I use TD's robo investor for my IRA and personal investment portfolio. I noticed it chooses the same ETFs, although potentially a different ratio. This seems that it's not properly diversified for long and mid term. Should I be concerned, or just let the investment fly?

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!

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

Anyone have a lawyer or personal finance advisor they trust and recommend in NYC? Post MBA and new to the city; I need to buckle down and finally get a will and outside $ advice on taxes.

Anyone here into buying distressed commercial debt from banks and collecting on it or selling the assets?

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

How much hard cash do you all keep on hand?

Best robo advisors and why?

Any Slalom 🐠 participated in the equity program? (Was invited for a 25k buy in)

Best credit cards for points redemption? Currently have delta platinum Amex and flying delta weekly.

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

I had my first baby and now work 75%. I'm trying to decide whether to go back full time. I'm happier now, but my husband's in school for 3 more years, and my paycheck doesn't cover our bills. Wwyd?

Is it smart to get multiple credit cards as a traveling consultant?

Is now a good time to buy VTI?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

What is personal independence??
Why Pwc asked me to fill all investment details for me and my dependant.
Can anyone please help me on this ??

@pwc

Any suggestions for joint investment account with a significant other?

Anyone here recently get or see any amazing jumbo mortgage rates? It’s painful to search each bank individually. Would love something under 5.5% (only looking for 30 year fixed)

What's the over-under on Diet Madison Avenue being in someone's portfolio in 4 years?

What’s the most reliable bmw 3 series after the year 2000?

Science and art are completely intertwined as I see it; color theory, composition, and balance all coming together to create a cohesive whole. Thoughts?

EY 🐟 , could anyone share their experience with EY’s Big Data practice? What are typical engagements like / scale of engagements? Would love to chat with someone on the team if anyone’s willing!

I joined KPMG a while ago from federal consulting. Federal consulting had super good work life balance but I’ve been working at KPMG strategy for a while now. The hours are wild, my managers expect perfection, and I feel like it’s all meaningless. Does anyone else feel like this, how have you dealt with it, and is it like this once you go into industry?

Is MBB serious about DEI? How is the environment for minorities (both at the bottom and top, including for East/South Asians)

hey, I joined Deloitte in June 2020 as an GPS SA analyst, I just staffed on internal project only providing me adjusted utilization. Now my standard util is 40 and my adjusted is 105... and this project last in another month... by then my standard util might be 20.. will my promotion be affected by this? My target promotion year on TOD is 2022. My manager said we might sell to client and extend this project in September but nothing guaranteed.

Hello LTItes, i joined LTI a month back.
I attended a client interview last week and was selected for the same. Now they are asking to join within a day or two. I'm having my mom's surgery this week. How to safely refuse to join this client project for at least 10 days. I can't take leave for 10 days.
Can anyone please help me with this? I'm confused and scared.

Thanks

Just passed $1m net worth and thinking about umbrella insurance. Any recs for carriers/strategy?

How is everyone’s workload? I was insanely busy the last month but the past week or so has slowed significantly.

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Have NYC-based employers with hybrid schedule been lenient for office workers? In light of crime trends, pandemic, work-life priorities, I'm trying to assess if taking a hybrid NYC job (as someone working remotely from NJ now) is worth the headache. Potential new employer says 3 days in a week, but during my interview process, I only met with one person who was in the office during my Zoom interview.

Hi All,
I am worried about job security in H
Globant , i have joined in June and till now did not get any project 🥺 i am worried.

I’ve accepted an offer from a firm. Had to revise my joining date and the HR sent an email confirmation for the revised doj. I received an onboarding portal link from another HR, on their portal it’s mentioned my joining is in January which is even earlier than the joining date I received before on my OL which I got revised later on. The HR isn’t even reachable, they don’t reply to mails or pick calls. Don’t know what to do.

I got a offer letter from Wipro and my stream is WSM general stream. This is a BPO right?

Do we think NAKD will make it to $1 by May?

Hi fishes
I am looking for change and currently having exp of 2 yrs on Oracle PlSql

I am looking to switch into Java dev and have learned spring boot and mvc

can anyone give me some advice going forward on which things to learn and focus on ?
and
how can i find good startups to work so I can learn maximum at start of my career.

thanks in advance

Thoughts on Jumia stock?

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

Tendies? 😊 🤚💎🤚

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

If WFH stays after vaccine(maybe split 50/50 with office and WFH) do you think that will have some major impacts on our economy?  our economy is based off of people spending money not saving. I think of all the lunch, coffee, happy hour, dry cleaning etc spending we used to do.

I have a lot of exposure to big tech and sp500 across my brokerage account and retirement accounts. I recently opened a Roth IRA and have 6k in it to invest. I know the default strategy is to invest in a fund that tracks sp500 but I do that everywhere else regularly. Is there anything else like VYM you recommend? I’m targeting dividend growth ones since it’s a Roth IRA ..

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

TD Ameritrade vs Etrade vs Fidelity.... any big differences or are they all more or less the same user interface? Mostly for trading stocks options and ETF.

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

What percent should I save for my Roth IRA vs Roth 401k vs taxable liquid investments? I’m 23 & live in a HCOL & make 70k.

Hello 🐠- first time home buyer and closing is in next 45 days. Have a decent Credit score (757) and Worried with fluctuating bond yields/ interest rates . Any suggestions on how to research for better lenders with less interest rates. Searching online gives too many confusing results. Few friends referred some (3-4) lenders who provided similar rates to me. I’m now confused if I need to keep shopping with a hope for better rates or to stop and lock with better one among these lenders. TIA

What's your target retirement savings? Target age? Combined or single?

Anyone have experience with the Financial Advisors from Personal Capital? How was your experience?

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

Thoughts on the Marcus Investment robo advisory rolled out by Goldman a few weeks ago? They charge low fees which is great, but I have a hard time seeing what makes it different than others.

Someone talk me out of buying the C8 Corvette 😭 I make >$200k and am early twenties FWIW

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.

Starting to get into investing and generally a pretty risk averse person so not out here trying to make fast money. What mediums do people generally use to invest? Think I’m too easily stressed to pick individual stocks, but happy to take suggestions for platforms for both. TIA!

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?