I put money in VTSAX which is a mutual fund vs. an ETF. Am I dumb?

If you follow the cryptocurrency market, or even have been just taking an interest lately, with the Bitcoin "halvening," you should check out Pi.

If you haven't heard of Pi, it's a new cryptocurrency (like Bitcoin), developed by a bunch of Stanford PhDs. What makes it really interesting is that you can still mine this coin, using just the processing power of your phone, unlike just about every other coin out there. (Contd)

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

Which service(s) do you use and can recommend to send money to India?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Hi - any good books recommendations for getting started on real estate investing?

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

Hello fishes
Can you guys please suggest me the good term insurance plan and things I need to check before taking the policy.

Any thoughts on PIC? The stock rose significantly in after hours on news of XL fleet merger. Does it still make sense to invest in it at ~$18?

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

Is anyone mining crypto? If so what OS/GPU/Mining Software/Pool are you using? I just finished my 6 GPU build on Ubuntu and want to head in the right direction

FL peoples: I signed a lease for a new place to start May 1 as my current landlord sold the unit I'm in. Turns out, the buyer wants to keep renting the unit and asked if I want to stay. Of course I want to stay. My new lease hasn't started so I'm pretty sure I can easily back out. For the new lease, I'm still pending full approval from a condo association as I have to do an in person interview. I have paid first months rent in advance. Is there anyway to get that money back?

Can someone please explain the process of selling a home when you have an Islamic loan? Since it’s profit sharing i don’t fully own the home right? So if i sell it i can’t take full profits since i don’t own it outright. I’m considering Islamic financing but have so many questions about it. Can you take an equity line? Can you write off mortgage interest?

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

Remind me when TDUMP served the 🇺🇸 by being in the military or any of his sons? Oh that’s right. Never. But Biden’s son did. Hmmmm

Would any lawyers here take on the Trump cases? Politics aside, just talking about the strength of the case

Terrifying scope of Capitol attack becoming clearer as Washington locks down for Biden's inauguration

US peeps, what are you doing for thanksgiving?

My boss in my creative agency threatened to fire me because I, a male, came into work with my nails painted. HR is having a very complicated day today as I found out I could take legal action if he does fire me since we don't have an established dress code that has any guidelines against male nail polish wearing.

Hey fellow Indo Consultants

Is Carvana legit? I've never seen any reviews just a hundred commercials. I could google this but wanted to know if anyone in here sold through them successfully. Thinking of selling my Benz E350, 2013. Let me know.

Hi all, I have been in social services for about 2.5 years now. Initially as a Case Manager and now a Care Coordinator. I currently make $25/hour while living in San Diego, CA. Does this pay seem fair to where I live/the job description?

Way oversold in my opinion. EOS is very exciting, hoping for something special over the next three months!

Can anyone refer me to the Starz/Lionsgate Legal Affairs, Counsel role? I’d be happy to send you my resume first. Thanks!

Anyone in GT Accounting Advisory? What's the day to day like and how is the WLB?

Happy Secular Rosh Hashana everyone!

Should I decline the offer and ask to be considered for a higher role that better fits my qualifications? The offer I had was with a great bank but I'm overqualified for that. Its been hard to find a job because I dont have prior experiences.

Hello All - looking for links, resources , samples on interview prep/practice for sales , account management, partner management, practice management at FAANG companies like amazon, google, microsoft

Interview question for Angular Developer in TCS having 3 plus years of experience, any suggestions?

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.

What’s the point of income thresholds for IRA Roth contributions if you can just back door into it when you make too much? You can still contribute $6k either way right?

I've been saving for a down payment (NJ) and have a little over $30K saved so far. Where is a good place to park this money?

Should private coaching be included in one’s financial planning?

I work as a success coach for entrepreneurs who want to get better at selling and master their money mindset. One of my passions is helping clients finally make a quantum leap in their earnings.

What are some ways in which I could market myself to financial service professionals so they refer their clients to me? Thanks in advance.

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

Gonna help my 16 year old sister get a Roth IRA and learn from my mistakes of not starting early... Should we park it in a target date fund or index fund (VTWAX or the like) ?

Are there any tax benefits from working from home?

Can anyone invest in Roth IRA asking with 401k or is there a limit based on salary? I was told if you are making above X, you can't invest in Roth IRA. If this is true what's is X amount?

I had 50% in VT and 50% in individual stocks in my brokerage account but I just accepted a job from a Big 4 so I need to sell some of my individual stocks. I need to invest that amount in something else and I want to tell my portfolio a little bit towards something that’s a bit more risky for higher potential returns. Any suggestions on ETFs to look into?

Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?

If I have a traditional account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Will pay taxes on the amount that I Withdraw that year following the Tax bracket rules at the time of withdrawal correct?

Conversely,
If I have a roth account (401k and/or IRA) and I am at retirement age and I have no other source of income to my name....
Could I hypothetically withdraw the entire account and not pay taxes in a single year?
Ex. withdraw 10M

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

I was given a 15k, 0% loan to pay off my student loans upfront from a family member. Would it be better to invest this money and just pay back my family member monthly since the 4% rate on my loans would be less than (hopefully) the amount gained in the market?

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Make 72k with not a lot savings at the moment since I am new in the workforce. Any advice on how to break into real estate.
Also already own a primary residence.

How much have you saved from refinancing your student loan?

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

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?