If there is negative equity on an auto loan and also a need to trade the car in, is it better to pay down the negative equity on the existing loan or give a larger down payment on the new car purchase?

Hello! I’m looking for an affordable financial planner based in Boston or available for a remote consultation. I am a professional in their later 20s looking to set up a budgeting plan for myself. Thanks so much!

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

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

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Hi,

My PF memberId starts with PYKRP, is it same for everyone?

Is it possible to be a “silent” investor (party A) with a friend who’s an accredited investor (party B)investing in a company? So if B is investing $50k in a company, and A wants to give B $25k of that investment, is this possible with an agreement between A and B, where they’re responsible for their own portion of taxes?

Safest wallets / exchanges for buying VET and safe moon? 😭

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

Hi Friends,

Could some recommend some good pgs around fidelity investments (manyata tech park). I will be starting the office from Dec.

Any good Cannabis stocks, ETFs, or mutual funds with decent returns?

Newbie trying to buy some alt coins. Currently have some money put into eth and ltc. Suggestions please?

Moving to New York as a new analyst. What neighborhoods should I look at/how much should I expect to spend in rent?

Do you think there will be another housing bubble burst in the near future due to COVID? Assuming relative job security, would that be an opportune time to invest in Manhattan real estate?

Is there any way to get around the coinbase fee when buying crypto?

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

Hi All,

If anyone please refer me in VMware, Thanks!

Guys, I am looking for an opportunity in Testing. Have an experience of 22 years across Core Banking, Investment Banking and Non Banking domain as well. Currently i was working as a PM Delivery. If anyone has any info please share me personally.

Thanks in Advance.

Any book recommendations on excel modeling for real world business applications?

Hello. Quick question about formatting. I have an excel sheet with bunch of negative numbers, but some are percentage values and some are dollar values. Is there a way to make all of them have a parenthesis for being negative while keeping them still percentage and dollar value separately or do I have to target them separately?

It is elementary that the development of a theory is based on completed and finished works or theories with a sufficient basis to be possible. But what were guys like Plato based on? He could only rely on what his mind told him. It must have been very difficult but at the same time, they were very brave in defending their ideas.

@ND folks... How's DLF phase 3 for renting a flat? I'll be moving to Gurgaon soon and have no idea which neighbourhoods are ideal for accommodation.

What’s the thought that keeps you from giving up?

Any company secretary openings in Bangalore ?

The pandemic has brought misery for a few sales organizations and unforeseen opportunities for a few others. How many folks out here crushed Q2? If so by what % did you exceed your quarterly quota? Did someone have their best quarter till date? Let’s celebrate some accomplishments!

I have an upcoming interview for a principal project manager position with my company. How can I ensure I get a huge raise?

When is Work from office getting started

Which country is better for job growth - Germany or Netherlands?

Today I messed up doing a delivery. The client was expecting the supplies at 3pm in the warehouse, however, there was an accident on the highway and traffic was insane. It slipped my mind to let them know about the delay. Now, they believe it was me being irresponsible and are threatening to fire me for not reporting on time and possible losing them a client. What can I do to fix the situation?

This may already be answered, but are embassies open for h1b stamping on India??. I am getting conflicting reports from my friends. TIA .

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Thoughts on personal loans to consolidate Debt?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

What does 401k mean?

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?

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

Google stock to buy now or after the split?

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.

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...

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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?

In your opinion which is the best target fund to choose in IRA Roth?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.