I’m considering a trust for my family's assets (parents and me) & seek advice. I’ve saved over $250k and plan to buy a rental house under the trust. I recently got married, and the trust would protect my premarital savings. I'm open to buying a house with my spouse, but want to safeguard my savings. She’s unaware of the amount & I don’t intend to disclose it, though I’m willing to contribute my share towards our home. Is a trust a good idea? Benefits? Any ideas for protecting premarital assets?

What are some good modern/post-pandemic personal finance books you can recommend?

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

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

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

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

NJ Personal Income tax question:
My wife and I file a joint return. We were part time residents in 2020z unfortunately, we both filed our joint tax return. My wife sent via paper and I sent electronically. Any idea what happens now? Can't get ahold of anyone.
To make matters worse - NJ doesn't have a paper part time resident return - so you file a resident and non resident separately. Ours net to a refund but the resident one shows a large amount due and the non resident shows a large cont...

Hello, I am going crazy. I am supposed to close on a house on Tuesday. The buyer did not perform an inspection and the lender did not order an appraisal. The lawyer says that everything is good on her hand but I am not sure if she is the deciding factor here. Can a home close without a physical appraisal ? I don’t have a closing time yet, just the date. My realtor reached to the lender and have no heard back.

Guys Urgent query.I joined CTS on Nov 2.When is medi Assist activated? Having a medical emergency for my father to do bye pass surgery.Should I wait for the medi Assist or proceed to do with my own money? Estimated Cost -3 Lakhs+. Operation to be done in the next 1 week

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Hi do you interview from time to time just to check what’s your market worth?

Base: 5 lakh
HRA: 2 lakh
Max how much I can exempt with HRA while filing ITR?
I live in my own house. I can pay to my parents in the name of rent.
What are the documents I need to produce?

I recently was let go (in lieu of accepting my two weeks) and I should have received my March expense check by the end of April per the employment agreement (submitted the report April 1, let go before mid April). I have emailed HR but haven't heard anything. I've got a feeling someone at the top is putting a hold on it.

How do I get my money from them? It's a few hundred dollars

Sorry if this isn't the right bowl for this question - I've checked a few.

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

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.

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

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

Without warning it looks like we'll be switching from consultant teaching to inclusion...what do I need to know. Never co-taught or done inclusion except for years and years ago and it was very informal. Best ways to build a solid relationship with the classroom teacher you're paired with? Pitfalls to watch out for? Thanks!

Has optum called employees back mandatorily?

We're discussing the company holiday plan and it looks like my manager is going to pressure me to work on Thanksgiving this year. Late-stage capitalist america, now without holidays!

Does anyone have a therapist in the LA area that they recommend? Specifically someone who is familiar with these types of jobs. Obviously everyone’s doing telehealth for now but would be great if you could also say where they’re located.

What have you done this summer for self-care so far? Share below!

I'm overworked and I miss my family. I know some states are talking about "reopening" but I don't see an end to this.

Hi, I’m a tax professional but want to transition into a coding role such as bot coder and artificial intelligence. I’m really advanced with Excel and Alteryx, I even can create macros for my team and considered the technology rockstar. Do you recommend any certifications such as UIpath for my future career change? I’d also be interested in how to work for Google someday coding artificial intelligence and machine learning.

What are the career growth options for RPA Developers?

How do I start the divorce process? Do I have to get a lawyer? Help...!

So something crazy happened to me last week. I was at the airport, and as usual on call after call. The check in line was going ridiculously slowly and at some point turned threw my hands up in frustration while looking around to find another place to check in. In doing so, I catch the eye of the behind me. He smiles and says something. I just sort of nod and carry on with my call. After that, he keeps trying to talk to me, eventually I got to the check, say bye and leave. At security… tbc

Interviewed for Meta exactly 2 weeks ago today. Contacted the recruiter last Tuesday and they said they were waiting to hear back from the hiring manager to discuss the interview results. Anyone that interviewed or gotten a job with Meta how did it take from the onsite to get your decision? Since I had to reach out to the recruiter and haven't heard anything since I assume they're interested in another candidate.

Started the internal GC process in October 2018. Today I-485 status changed to "we ordered your new card." My jail free card is finally on the way I guess. Hope everyone with pending I-485 gets your GC soon!

Anyone from Code Vyasa?

Getting life insurance so they drug tested me. Now they want me to fill out a form that basically asks me to certify if I’ve EVER done any of these drugs. What the? Who hasn’t EVER? What happens if I say never did? Idk my results from the drug test, maybe I smoked a bowl in the last few weeks, can’t say for sure. How does this work?

Do you believe that there’s people who can “see” what’s in your life and near future when they pray for you and tell you?

What’s your opinion on Cue Health?

Notice period during 6 months of probation?

Has anyone here moved from Corp to Litigation? Seriously considering the switch and wondering what kind of work to expect at big law disputes teams

I have Oracle financials implemented experience but I have been on the IT audit side for several years. I would now like to brush up on my implementation skills. I would like to do this outside of my company. Any advice on where to find formal training?

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

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

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

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

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

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

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

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??

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.

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?

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.

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

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?

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?

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

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.

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?