International stocks are doing terribly. How do you stick to your plan and continue to buy you allocation of international stocks when it's tempting to go off plan and buy a bit more US?

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

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 ?

Hey guys.. Is chase private banking and jp Morgan investment banking good way for managing my investments? I'm looking to build a portfolio of mutual funds with 2-3 years horizon

Got targeted for Amex platinum 100k. Is it worth it? Is there a higher targeted offer?
Considering doing it since no more personal card for BCG expenses. Also have CSR fwiw.

What is your credit limit on CCR? We're going through some life changes (wedding, rings, travel, etc.) and was recently surprised to find my credit limit is only $30K even after being a solid customer. What are the ways I can get an increase in the credit limit?

Anyone have situational depression? Can’t stop beating myself up over a decision a year ago. Basically missed out on a massive amount of money. I know this seems trite and i never even cared thatt much about money before this year.

So many other good things happened to me this year - got married, got a puppy, moved etc, and yet the one thing i keep returning to is this decision as though i ruined my life. Ironically the only thing ruining my life is my outlook and yet i just can’t stop.

Thoughts on dipping into the condo market? Was thinking of waiting till March but don't think prices will drop that drastically and will be ok long term...

Can I afford a $1.5M primary residence with a ~$9,000 monthly payment after 20% down if my household monthly take home is ~$25,000 (with another $50k in annual bonus)? No debt other than monthly credit card bills. Am I being irresponsible? Will I struggle month to month?

What companies do you recently regret not investing in?

In your opinion - What type of property is the easiest to sell?

Is there a way to Pay rent via Credit Card without paying the convenience fee?

From now on can we start saying WHY we think news = 🚀 🚀 🚀. Reason: people lose their minds when they see *bank/big corp + crypto* and forget to ask why the news = higher price.

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

Incoming BA - any advice/links on the math for the best credit card for personal use?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

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

Any recommendations for best balance transfer card? Like zero APR for 15-18 months and no fee? Also nice to have points or cash bonus

Anyone have a carry payout model they can share? Trying to build a few scenarios

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

PLTR calls? Bad week for them as they fell under ‘meme stocks’ some places. Thinking of $33 for 2/19

any suggestions on where to rent? preferably manhattan downtown or midtown. budget is ~2.1k or so. priorities are having a doorman, elevator, laundry in building at the very least

Hi.. I have received an offer from a consultancy stating for 3 months i will be on their payrol as infosys as client and after 3 months i will be moved to Infosys payrol with permanent wfh. I have other offers with wipro amd capgmni both with same package. Please help me if i can trust the consultancy and go for infosys option

have an offer for 11 LPA and asked for 14.5 LPA. HR said It is approved by account team and rejected by Capgemini talent acquisition team(Practise end) what does that mean

What is your fashion inspiration? (i.e. GQ, Pinterest, etc?)

What the likely impact of MIFID2 on Equity Research?

Head shot recommendations ITP?

How do you feel about "workplace of the future?" I literally can't focus when I can hear & see everything everyone is doing. It's definitely impeding my productivity to not be in a quiet environment.

Hello Fishes,
I am currently interviewing at EY GDS and HR discussion is done.
But the HR is saying they can offer only 36% hike.
YOE: 6
CCTC : 12 LPA fixed.

How should I proceed with this.

What does online assessment for professional means,?

Any around/over the ear headphone (with mic) recommendations for around $100? On a remote project, and spend about 4-5 hours on calls

Beer is now cheaper than gas. Drink more, drive less 🤧

what’re the agencies in Toronto that are best for diversity / healthy culture of mutual respect for all - women, POC? know nowhere is perfect but any doing okay?

VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

With the downturn, is now the time to do a Roth conversion and let my funds recover tax free? I just wish I would have to pay tax on funds converted (am in 25% bracket and have state income tax too). Any strategies to lessen the blow? And for my situation what split of 401-k vs Roth 401-k contribution is appropriate?

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

Which app do you use to buy stocks? Is cash app safe or should I go the old school route of Fidelity or Charles Schwab?

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

Is is safe to use Robinhood or any other recommendations ..starter here and want to dabble in stocks.

What funds are you investing in your 401K? Also, if I change the funds in the 401K by moving all current holdings into another fund, does it count as capital gain since it would sell old and buy new?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Thoughts on SoFi bank?

DeFi bug accidentally gives $90 million to users, founder begs them to return it - CNBC

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Got a hefty joining bonus and the taxes trimmed it almost into half. What did I do wrong? Will I get some of it back when I file next year? Also, anything I should do going forward? I don’t have a tax adviser and have been doing it myself so far

Does anybody contribute non deductible $$s to their traditional IRA? Should I or should I not do it?

Why is the market going back up already? Is this how it was in 2008? Should I keep my 401k same or increase?