I moved to a new city and I'm not sure if I will stay for longer than 2 yrs. I might move back to my country. Therefore I don't think it makes sense to buy a new car. Used cars prices are very inflated so I was thinking about leasing a Sentra instead (lease for 2 yrs is $319 with 0 downpayment). Does this make sense or what would you suggest?

What are the major pros/cons of investing in a total stock market fund vs an s&p 500 tracking fund? Looking at Schwab’s. The s&p tracking one has a .02% er vs .03 for the total.

Does anyone know of any resources to learn more about wills and trusts, bankruptcy (consumer and business) as well as tax? (IRS or EDD). I’m in California if that helps. Thanks!

If I closed an account/cd with a bank, how do I access 1099?

Feels good to be debt free. Paid off $60k debt in 6.5 months. Thanks to Uncle D for travel project !

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

Hi fishes,

Out of topic. Regarding insurance claim

I missed adding parents in health insurance for this financial year. my father cancer surgery happened and I spend 15 lakh from savings and debt. Their is further spends in next financial year April and May for chemotherapy & radiation.

If I add parent in health insurance in April ( next financial cycle) . Will I get claim ?? Since it is existing disease. Please help me out if anyone knows

Hi everyone,
So I have been maxing 401k and Roth for a few years now. I setup the Roth on an auto deposit spread across the year. Well, it just dawned on me that with my wife and I recent (December last year) raises. We are now over the limit that's allowed to contribute to them. I have already invested a good chunk for the 2020 year.
So my questions are, do I just pull the money out of it or leave it?
What sort of penalties can I expect for next year's taxes?
Thank you!

I Bonds rate is 7.12% for the next 6 months does that mean I earn 7.12% every month? Just a little confused. So if I have 10,000 in does that mean I would earn 712 the first month?

If you get your bag searched in the TSA Precheck Line, you should be forced to give up Precheck

Is it silly to think of my dj as a potential storage of money? I have cash at the moment and am liquid. But am 25 so seems silly to be trying to spend 9k on a watch. I will likely never sell it but if things turn south I have at least 7k of value on it

I have 50 shares of RMG. Once they merge, will my 50 shares turn into shares of Romeo power ? Or do I have to do anything ?

Any advice on ways to increase your credit score to offset a young credit age?

Moved to the US 5 years ago and wasn’t able to get any sort of credit until 1 year in so my average credit age is low and score is always taking a hit for it.

I live in NYC so no need for a car/car loan and I don’t have a mortgage. I’ve got 2 credit cards with reasonable balances and I have one small personal loan just to show diversity in accounts.

This system is crazy. Any help appreciated

I like STA’s technical analysis and thought I’d share some of my own. Some of the same names and a few names off the beaten path.

A general note, lots of of the stocks and indexes on the most traded options list seem to be struggling with breaking through levels of resistance. QQQ is notable. So are XLE, XLF, and XLK. I don’t think this is a sign of a market top, but shows that the leadership continues to move around a bit.

Fun times.

Trying to determine if Roth 401k or 401k makes more sense. Can someone please clarify how tax bracket at retirement is determined (or what the average tax bracket at retirement is)? Thanks!

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

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

I’ve had a “fun money” Fidelity invt acct for years and have finally come to the realization that it’s a total waste as I never keep a close enough eye on the individual stocks I buy to exit timely and actually make $$. The downturn has brought it into clearer focus. I have about $8k in cash in it. Any recos for a good mutual fund / ETF to put it in? Could go with a standard S&P index, but curious any ideas. For the rest, ($30k) I’m going to strategically exit stocks and move the $ over. TIA

Hi 🐠, how many of u own a house when you are in ur h1 visa? My perm just got filed though

Hi guys! I'm new to Canada. I have some professional experience as Data Scientist, a couple certifications, and ML/DL research experience. I'd love to hear from companies hiring profiles like mine.
Thanks!

I've been working here for about two years now, and I have to say, I love my job. The company culture is great and the people are wonderful to work with. But recently, I've noticed that my manager has been asking me to do more and more work on my own without giving me any additional compensation for my time. He just keeps telling me that if I want to get ahead, then this is what I need to do.

I'm not sure what to do here—do you have any advice?

Lateral switch to Biglaw complex lit from ID. Finally making it happen. Out far too MANY years. How does pay scale work? I can’t imagine cravath scale being offered. Am I wrong?

Considering an exit to a startup that just completed a solid series B. They’re willing to provide competitive comp package and surprised how large the base is for a startup. Has me concerned about being on the high end and being the first person that comes to mind when it’s time to pinch a few pennies or clean up the books ahead of future rounds/IPO. Valid concern or am I overthinking it?

How the hell is it still Monday?

Anyone has expected salary range for a MD/GM in American Express in singapore? Having early discussions, so want to have a ball park view before I ask them. Thanks a lot

Any advice on best Mortgage Providers? Or anyone have experience with >4.5x salary - Thanks!

Are you back in The Loop?

I need some advice…not to sure what to think about this. Been working for a 4 years. I was the first sales leader. Working with the founder. I hired first 4 AE’s in 2018, team grew to 20 in 2019. Created SDR and account management role from scratch, 2020 team went to 30. 2021 42 reps and 2022 54. They hired a vp of sales who has no Saas experience and I need to train him. I got turned for the position as vp as I don’t have the experience in scaling. Which I do. 3 companies scaled to over 50m at

What are the chances of onsite opportunity for GGM-APAC projects for an Associate?

How are power bi projects availability over there?

Does any one of you work in a company that hires contractors overseas?

Whether it is good to apply for MBA as per EY and Hult International school’s tie up? Any thoughts or experience of this course?

Hi Fishes,

Is it worth leaving DUSI for SAP Labs?
Sap has offered only 50% hike.

I am a sterile tech are they any other sterile tech on this app

If I am interning at PwC as a DAT intern. How can I switch lines and get into tech consulting for a full time job?

Hello friends! I’m a current software engineer bootcamp student at UCR, just wanted to talk with others who maybe went through a bootcamp and connect with you guys!

I left EY 30 days ago... I have the opportunity to receive a lump sum from my pension plan. roughly $100,000 payout or I can keep it in there and my monthly payments will be 500 (single life) upon retirement. 

should I take the lump sum and invested in an index fund? 

My TC is 150K, I’m already maxing out my 401K, and am thinking of putting some money into I-bonds. Should I try to get the backdoor roth IRA? Anything else I can / should invest in? Currently have a lot of cash lying around.

Anyone in Atlanta has a location, area that they have invested for renting purposes ? Everywhere I am looking has hard permits or some other requirements which are not easy to put up for rent after buying

Can anyone recommend any mutual funds for a 401(k) designed for mod. agg./agg. growth pls ? Prob thinking mid cap. Thanks!

Thoughts on whole life insurance? Would you recommend?

I’m only 23 - but thinking it could be good down the line since it’ll get more expensive as I age

Father who’s living in my home country is transferring an apartment ownership to me. Should I be worried if this is some sort of a signal, maybe about his health? Also what do I need yo be aware of legally and financially?

My current portfolio:
5k- SPY
1.8k - AAPL
1.5k - JNJ
1.1k - ARKW
1k - CVX
Another 10k distributed in pretty small amounts across ~15 stocks and etfs more for fun, including ICLN, VTV, NIO, and others

I have another 20k to distribute, any suggestions? Prefer a long term game plan
(Disclaimer, I just started investing this year, all critiques welcome!)

Best tips for not checking your investments daily - even though I try to avoid I can’t help but take a look every couple of hours 🙈

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

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

Is it worth it to live at home with my fiances parents for 8 months to pay off my $30k student debt, even if it makes my bf uncomfortable to stay living at home?

Is San Francisco in a housing bubble?

New college grad just started working FT and I’ve been reading this bowl for awhile and want to make sure my saving plan is on track/best way to prioritize.

1) 6 month emergency fund (target $10k which is more than I need, but I want the peace of mind)
2) Roth 401(k) up to employer match (6%)
3) Roth IRA ($500 monthly)
4) Brokerage account and 401(k)
Plan is to split extra cash between these to have better tax advantage from 401(k) but also have access to funds if needed from brokerage acct

Have $40k that i want to dump in the market short term to gain better than 1% in my ally HYSA. Is there as close to guaranteed that I can’t invest? Was thinks etfs (qqq, spy, vti) but wouldn’t mind buying some blue chips as well. Would be a 4 month time horizon.

Realistically when are you planning to sell GME ?

How old were you when you started making $200k a year?

Has anyone recently purchased their leased vehicle?

First timer here and since I love it, and it’s way under miles seems like a win, win. Just curious if you reached out to the leasing company first, or if you brought your own financing to the table, and what rates I might be looking at.

Latest buyout quote is for $28k, and I have exceptional credit.