I'm 49 and I have nothing saved for retirement. Over the years, any money I would save in a 401k, I would cash out due to an emergency -- car break down, being out of work, etc. Now I have 15 to 20 years to retirement and don't know where to start. Can anyone offer advice?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

How often do people upgrade their house? Is every 3 year too slow?

Anyone here with a negative net worth (excluding 401k) in their 30s? Or am I an outlier?

Any loan facility available in BOA

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Has anyone used Motley Fool’s stock advisor program, and found it helpful and worth the membership access?

Fav intl ETFs?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

Does enjoying investing your own personal capital translate to enjoying working in investment management?

Hi new to dfw area looking to buy a house. How’s the commute downtown from Frisco/McKinney area?

Is it the worst time to buy real estate because of the interest rates?

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?

Home appraisal came in 30k too low. Seller is an investment group. House was on the market 40 days before offer. What's the chance they sell at appraised value?

Hello and happy Thanksgiving! What are the pros and cons of living in San Diego vs San Francisco? I’m from NY and looking to move to one of those locations. I’m hoping to get more info on rent, dating, entertainment, taxes, and job stability.

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

Whats the max of monthly rent has anybody shown for HRA deduction 😅

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

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

War correspondents, how did that become your focus?

Is anyone finding seasonal work for the holidays, even part time? I'm considering it. Would be a blow to my pride but that's becoming less and less important as I slowly spend my savings. Best ways to get over your own ego and take what's on offer?

ZS 🐠, how often are you at the office vs client site? I’m curious because I’ve heard they don’t travel much

🚨 Arriving home to Ohare and was approached by a guy offering taxi rides and handing out business cards in terminal 3 baggage claim. DO NOT ACCEPT RIDES FROM PEOPLE OFFERING THEM!!! Whether they ‘can do cash or card,’ don’t buy it - they’ve got you once you’re in the car. Told airport emergency hotline and they are investigating.

Stay safe and don’t get got!!

is there any AML KYC or Financial crime or Fraud investigation roles open for Team Lead level in JPMC? can someone refer me with one? issue is if they are accepting Team Lead experience without it being on papers..

Any Dallas 🐠 looking for a room to rent? Bought a townhome in the Las Colinas/Valley Ranch area and looking to rent out the room & private bath on the bottom floor for $900 plus utilities. 28M 🐠

Hi fishes,

can anybody telle how the company "@
Bureau Veritas" is ?
is it a good organization to join in mid level experience as a Business Analyst?
also, what should i expect from them in terms of salary?

Hi, does anyone know what the salary ranges for L4/L5 tech roles in UK are?

How do firms give bonuses to associate attorneys? Quarterly, monthly, annually? What is a bonus based on? Money recieved, billable hours, etc?

I'm looking to set up a bonus structure for a new associate.

Moving to NYC from DC. I had planned to come up for a weekend or two to tour apartments. When would be the best time? I thought about a month ahead of needing to move - and then coming back a weekend or two later - would make sense. But I am seeing so many listings on StreetEasy that say the unit is available immediately. Any advice? I have a cat so trying to avoid moving into a temporary Airbnb in between to apartment hunt, as I’ve seen some people suggest.

Hey all! I’m a copywriter in Chicago and considering relocating to Minneapolis. Any creatives who have done the same? What do you like/dislike about both cities? Looking for any advice and perspective

pro tip. purchase baby foot exfoliate. but make sure you do it at home.

What can be the expected salary range in general for 10YOE with frontend tech stack React JS in product based companies? CCTC 52LPA, (including 10% variable+stocks)

Hello,

After onboarding in Deloitte USI Hyderabad do we need to report immediately from next day to office as per hybrid model or we can continue wfh until assigned to project

Partners, what is your advice to folks who are currently on bench on how to best utilize their time and what value add activities (personal/professional) that they can/should do.

Hi everyone,
How much do you think a CHT of 7 years should be making in New Jersey.
I also had 2 years as a secretary prior to becoming a technician.

Anyone have interview on GCP technology and got selected recently?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

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??

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?

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Anyone have a recommended tax person in Chicago?

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.

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

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

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

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.

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Have about 5k to invest - should I do FXAIX or FSKAX?

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.

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)

Google stock to buy now or after the split?

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

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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