I think I can solve most of my finance issues by reorganizing the timing of my bills. My problem is most of my bills along with rent is from my first paycheck of the month. If I separate rent to one paycheck it makes it much more manageable. Are companies easygoing with changing timing of billing cycle?

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.

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

How much money do you keep in your savings account?

LCSW 50k loan repayment- Has anyone been granted a contract through the National Health Service Corps Loan Repayment Program? I’m interested in applying for the 2 years of full time work as an LCSW but my loans are a bit under 50k so I’m wondering if they would only give me what I need to clear my loans or would I still get 50k as long as I complete my contract ?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Marriott or SPG credit card (for the sign on bonus)?

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

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

There has to be a point where focusing on minute details generates diminishing marginal returns.

I have an expiring British Airways credit I need to use in January or February. Options are Lisbon, Paris, Rome and Athens. Anyone have thoughts on any of those in the winter/off season?

I'm coming from the US - my flight credit is use-it-or-lose-it so I'm trying not to spend much more than the original credit.

Anyone investing in index annuities? Can someone explain why this is beneficial?

Do we have to update the tracking and trading with details of like mutual fund, life insurance

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Urgently looking for a role in Customer Support. Have 6 years of experience in non-voice, handled teams. Can join within 30 days. Bangalore/Pune/Hyderabad location. Please help guys 🙏

Hi Folks,

I have my interview on Monday for Data Scientist position at Walmart Global Tech India
First round is ML engineering Aspect round
Can some tell what should I prepare?
Should I focus on coding or machine learning algorithms?

Continue to wear masks people!

What are good plant protein brands in India?

Any openings for Oracle Fusion Financials for 12+ years experience, in Bangalore?

Reishi mushroom by Host Defense, just google Paul Stamet. My hot flashes are now just warm and far and few between.

Hello All,

Hope you are doing great.. I am looking for new opportunities in Product based or consulting industry.. Please do let me know if any openings in your organisation.. it would be a Great support to my career.. I have 7yrs of exp in Supply Chain - P2P process..

Hi fishes! I recently graduated. I got campus placed as associate analyst consulting in Deloitte in my 5th semester. It's been an year there was no communication from the Deloitte apart from the letter of intent. Now recently I received a mail saying we'll be onboarding in phases and onboarding will be completed for 2022 batch by February 2023 . Legit they are making us wait for another 6 months....like wtf is thissss!??!????!!!! Your opinion/advice/suggestions are most welcomed!!!

What can you say about Armstrong’s New Zealand. Particularly Peugeot dealership?
Has anyone worked there?

What's more important in selling an idea?

Do partners cheat on their significant others while traveling? Stories please.

Has anyone ever stayed longer at a firm just because you “liked” someone?

Hello fishes, I am working at IBM as a Data Scientist and currently on bench. I will be resigning today as I have a better offer in hand right now. Wanted to know if I have to serve entire notice period of 90 days even when on bench or IBM gives early release ?

What’s your guess on the salary raise percentage?

Hello Fishes

Do you have any idea about xpheno.
I got selected over there for client project.

Hey Pune Fishes, I am looking for a 2 bhk flat in kharadi area, near WTC, with a flatmate. So if someone knows a good broker or someone who is looking similar kind of arrangement DM me.

Expected budget: 12-15k per head

Any good wedding ring sources aside from Blue Nile?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?