Im a second year business analyst. Is it pretty normal to get no tax refund or owing a little money this year? Assuming average investment in accounts etc.

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Worth getting the SPG card for 30k points ($3k spend in 3 months) or hold off until that goes up to 35-40k (will it?)

Hello fishes, please suggest me some tax saving methods as iam getting around 10k got deducted in tax.thanks in advance.

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Is it possible to buy a house and sell it for a higher price?

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

What is the *prime* amount of money to bring you happiness?

Hi fishes,
Currently I am invested in two mutual funds:
UTI nifty index
Parag parikh flexi

Which other MFs are worth investing?

Any advice on ESPP plans? Should a maximize my contribution? It would be 15% of my salary and purchased twice a year

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

I started investing in Vanguard Mutual Funds and and did some research online today and it seems like we can’t do that and it might not be halal. Does anyone have any insights here?

What's it like to buy a new car in Dubai? Financing available?

How many years did it take before you could pay off all your med school loans? I'm starting to feel like it won't even be possible.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Guys ..
When will final settlement take place? What will be the components of it?

Anyone here from FFO Consulting ?
Please DM.

Real estate Tax question: I have a personal property and investment property in Florida. I am about to pay one off. Should I pay off the investment property or the personal home?

Suggested books or resources to learn more about strategy consulting? Different analysis, acronyms, etc.

Any Deloitte 🐠 willing to lend a referral for OT&T? Have a req I want to apply for. Thank you!

For getting promotion who take the main decision? Manager, Supervisor or HR?

Anyone having any experience working for NetApp account in TCS ? Would like to know about the experience. Thanks.

any examples of great CPG work? trying to get inspired past the excessive product beauty shots

Hi Fishers,
anyone who can refer me to Altimetrik.
I'm serving notice period looking for job switch.

Thank

Be honest. Why do you keep coming back to this app?

I am an Oracle apps technical guy(9+ yrs exp)
Got 3 offers which one i should choose please suggest.
Current CTC in IBM - 11Lpa
New offers as below
Cognizant - 18.7LPA (18Fixed +0. 7 variable)
TCS + 19.5LPA (including fixed , variable and retention bonus)

Wipro - 20LPa ( including fixed and variable)

How have you combated your fear of rejection? I fixate on such small things as when my friends, for example, reject plans I have made. This definitely makes me more averse to putting myself out there and makes me ruminate on past perceived failures, which are clearly not good for personal growth

Boyfriend and I have been dating for ~1.5 years and we still only spend weekends together. I want to move in together at the 2 year mark but bf thinks it’s too soon... just feels our relationship is stagnant and not going anywhere. Any thoughts from ppl who’ve gone through similar situations?

Is there a home buying group for Seattle area?

Any insight into Richards, Layton, & Finger out of Wilmington, Delaware?

How to approach re-negotiating the offer after initially accepting the offer? Is it fine to re-negotiate with a counteroffer? If so, when is the best time to approach the company for re-negotiation?

Have a connection through Salt Lake City on Thursday. How well does the airport perform during snow showers? How much delay should I mentally prepare for?

Ways to rack up cc points/miles while buying a home?

I’m looking at investment a portion of my portfolio into alternative investments. Maybe around $30k to start. Anyone have recommendations or experience with Alt investment vehicles? (e.g., crowdfunded startups/real estate, PE, VC ETFs)??

Thoughts on XT?

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Any of you have parents who have never invested in the market or set up 401k all this time? They are very close to retirement (in a couple years) but I am shocked that they’ve kept their life savings all in a checking account😭 just found this out and don’t know what to do

My wife reads nearly an entire book per day just in her spare time after work, no exaggeration. I’m amazed by her and wondering what ideas are out there to monetize her skill? Book editing maybe?

Ready to do my first back door Roth. I have already filed my 2021 taxes. Can i still do a back door Roth for 2021 if I do it before April 18? Or will it only count to 2022 now?

What time of year does everyone do their contributions/conversions?

Looking to invest money with a Schwab brokerage to save for a down payment on a home. What ETFs should I invest in?

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

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

Voyager just filed Ch 11 bankruptcy. Rest in pieces.

Need help on how to invest. We are positioned to pay off our house later this year. Expect to work for another ~20 years. 401k fully funded and have some company stock investments maturing over the next few years, but no investments outside of that. Kids have a prepaid college plan for certain schools. Emergency fund is solid. Where should I look to start investing? I have fidelity for my 401k, would they be good to open a taxable investment account with, or are there better options?

Who’s buying the dip today?!

Is there an app/software to consolidate and track your investments across different asset classes? (ETFs, stocks, bonds, crypto)

Would love to get insight from folks here as I’m not quite sure what to do. I currently have around 14K in student loan debt and enough saved up to pay it off in one fell swoop. What I’m struggling with is whether I should invest that money into the stock market (thinking less risky S&P 500 ETF) and pay off my student loans monthly with the average payment being around 1000 so I can pay it off in about 16-18 months (due to interest being around 5%) or pay it off all in one go?

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

Dead cat bounce