I paid off all my debt (mostly student loans) earlier this year and haven’t changed my spending or lifestyle and the savings have been piling up. It’s getting addicting just watching it jump up after every paycheck. Feels amazing to no longer be in crippling debt and finally move on with my life.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

How long do you guys think it will take for rental prices to rebound?

Looking for a new apt, and noticed 24 month leases cost more net effective (obviously because prices should increase next year).

Quoted a 30 year mortgage, 5% down for a ~600k home for 4% interest no points.

Profile: 250k salary, 800 credit score

Is this any good??

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

EPOR a solid first option trading choice?

NFT’s... no interest in buying them but very interested in buying into whatever it is that makes tick. I think there’s a lot of money to be made off of such a ridiculous investment. Any ideas on what to buy to take part in the business of NFT’s, without having to pay $69 million for a drawing of a cat?

I’m a Canadian on a TN visa. Am I allowed to trade crypto on Robinhood? If so, can I trade the same coin multiple times in one day (day trading)? What tax implications would this have for me other than the standard capital gains considerations?

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)

Good idea to buy some more AAPL right now?

Incoming MBA, I have my tuition paid for and rent covered (I will be an RA). So the only thing I need to pay for is food and entertainment. Do you think 20k is enough to last me through the 2 years? I will make a little money interning in the summer, so that would be a safety valve if I blow through the 20k.

Or… should I take a small loan?

Stocks only go up.
Apple calls, Microsoft calls and alibaba calls are peaking my interest now....

How do I classify my property for tax purposes if I received rental income for exactly 15 days this whole year? Primary?

How much is 2k a month for a house payment? What size loan would I be able to get?

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 ?

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Thoughts on the new Chase Freedom Flex?

I seem to always bomb the first round of any case interviews despite practicing and prepping… Anyone have any tips or am i just stupid? 😂

Hi fishes,
As an employee of TCS, can we avail any comprehensive/full lab tests/ health checkup tests in Hyderabad.?
While I'm checking on Medibuddy, there's an "amount to pay" displayed on each of the tests.

Hello All,

I am temporarily moving to Hyderabad for the month of November 2022 and looking for a temporary stay for this period.
Please let me know if you have any suggestions or if you have a vacant room for this period.

Thanks

I have a direct report who is smart, passionate about her job and can be really innovative. However she carries this enormous weight of responsibility, for needing to do everything, do it right, make sure it's perfect, not trusting colleagues to help. It creates dread and panic and overwhelming workload and a terrible attitude for her and I am speaking with her this week to start to shift her mindset. Any tips in navigating how to let go of this heavy idea of "responsibility"?

what worked for you guys searching for accommodations in luru?

I am looking for a job and already on NP. Holding an offer of 23.5 LPA fixed and current CTC is 17 LPA fixed. Am I still under paid? And how much would a realistic target CTC for 9 YOE in .Net Full-stack?

Actually, I gave Interview for BackEnd Developer @ Itilite. I was selected in the interview process (2 Tech DSA Based + HR) and got a mail stating that our interview panel is really impressed with your domain related expertise in order to proceed with offer negotiation please submit your documents. Now after 2-3 days of document submission, they came up by saying they cant move forward with my candidature.

I am still amazed how can they do this after asking my documents.

What are your favourite free SEO (technical and/onpage) courses or certificates?

Hi.. has anyone applied for a Police Clearance Certificate for work visa? I need some help 🙏🏼

Working from home since march 2020, got promoted December, department had a major reorg couple of months back, responsibilities increased, work increased, hours increased. I just don't feel sleepy anymore, brain is always fired up with work, writing emails in my head in the bedroom post lights out. Anyone else with me?

I have 1 year exp in js,reactjs, typescript can I get a full work from anywhere job?

I've been approached about being an expert consultant. Has anyone done this before? I'm interested to hear people's experience.

Anyone celebrating 4/20 in West La?

Would it be hard to get a exp associate role in advisory at a B4 as someone with about 10 months in audit at EY, 7 months experience in corporate accounting at a F300 and CPA? Hated my time at the F300 but had thought the grass would be greener in industry. I’m starting a financial analyst position at a major hospital system in my area soon and want to stick with that for a couple years before making a transition but was curious if I just don’t have the right experience for a role in advisory.

I always buy the same clothes (color and pattern) over and over again. So in all my pictures I look like I’m wearing the same clothes since I was 21😂. But I just buy new ones every year 😈🧐.

Eyeing the jag i pace but I’m one to buy a luxury car just a few years old with extended warranty... ughhh @ the human desire and itch to get more.

Why do you live in Philly? Do you ever wish you lived in New York?

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

During benefits selection this year , I chose HSA for the first time and I am informed that my account is opened today. While registering on Fidelity, I am asked to chose between FDRXX/FDIC .I would want to chose from available options and invest money. Which option I should be choosing of both ? Also if I can’t chose options on fidelity, what should I do about it ? My firm opts only for Fidelity unless I’m wrong . Happy holidays . Thanks in advance

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

I’ve been in on lemonade since a few weeks after IPO and am a big believer this has massive upside, but have no idea why it’s skyrocketing today and the last 2 weeks. Any thoughts? Are more people finding out about it?

Are you investing today?

Anyone invest PREIPO via DPO?

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

Is ARKK still a good ETF to invest in?

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

My company matches 3%. Is that low or on par?

Any good apps or websites to track your net worth across all accounts (investing, banking, retirement, house) without sharing your information?

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

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

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.

At a high level, what is a better way to maximize returns?

File all 12 months in NY or
file a few months in PA and remaining months in NY (about 9)

I was in PA for a bit during the pandemic

What's the best airline stock to get into before the possible travel rebound next year? Do you also get in now or Q1/Q2?

Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?