Is 3.0% for a 30 year fixed loan an 0 points good? I messed up on my initial loan and I really need to refinance and while I think it’s good, I also thought my last loan at 4.5% was good as well. I’m clearly an idiot and need advice. Sorry if this question seems stupid.

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.?

If I use chase points to book a flight do I gain points from the airlines I’m flying?

Lost a lot in doge after panic selling and then Musk happened.. how do I come to terms with my losses! 😓

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

Crying for my RSUs….started at my company about 6 months ago and got some RSUs split over 3 years. Turns out the stock price at time of my hiring (which is what was used to calculate the number of shares over the three years) was the highest it’s ever been. Stock price has been cut in half since then, along with my RSU value. 😭 how do I cope?

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

Just checked coinmarketcap and with the exception of tether the top 85 coins by market cap are all down in the last 24h

At what point in the home buying process do you ask the builder/seller for evidence that property taxes have been paid?

Is this a bad rate? 3.375 with 20% down on a condo in central Florida. 780+ credit score

Hi All, newbie here to real estate investing. I have a primary with about $180k in equity and want to A) Get a larger primary in about 12 months and B) Acquire a cash flowing rental asap. Would you try to cash out refi and buy an investment property now; cash out and rent out your current place and buy a new primary or sell your current place and try to get buy a small investment and a new primary?

Noob question: I exited an ETF position on TDA however the funds aren’t available for me to plough back in. Any suggestions on how long it takes for a trade to settle?

Does anyone invest in crypto ICOs? Based in US, looking for a good platform to invest through

I’ve been using CoinList, but lately all their ICOs exclude US - so maybe we just don’t have many available to us anymore

Any twin toddler parents? I have twins (2 years old) and i am unable to figure how i would get them into college. With the current tuition costs and living expenses of attending college, i feel i can either buy a house or get them education. Any advice on how to plan savings?

Is it worth it to get the Amex platinum for a year for the large bonus offer if the intention is to possibly cancel it at the end of the year rather than downgrade?

PPEDs: Just found out that a Partner, who was promoted in 2017, was fired. IDK the circumstances. What can they expect to walk away with besides 401k & normal pension plan?

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

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

Got a letter of default and acceleration notice from bank who repurchased my mortgage due to what they thought was mortgage fraud but wasn’t. I’m contacting a lawyer but has anyone gone through this? I know they want it off their books and suggesting I refinance but my rate will increase and they’re demanding legal fees too

Anyone from tax can help me on some tax related queries.

Q1-Can I claim LTA and LTA cash voucher both for the current Block?
Q2- In LTA cash voucher scheme i have a total expenditure of only 50K approx so how much can i get as saving for Tax?
Q3 How the above 2 can be claimed during ITR filing?

I have more Questions but if we get replies on these we can discuss further.
This can help everyone

Why KPMG does not mention variable portion in Offer Letter unlike Deloitte, EY & PwC ? How do we came to know our variables ? Please suggest.

Hello, I am a recent college graduate with a Bachelor’s in Business. I am currently looking for an entry-level analyst position, but haven’t been able to land anything in the past few months. I have a Professional Scrum Master I certification, SQL, Tableau, and excel knowledge. Would anyone be able to help me with a referral? I am open to remote, I am based in Miami, FL. Thank you

Selling Hermes Dogon Wallet in blue Jean. Brand new never carried or used. Comes with original box. Purchased from Champs Elysee store in Paris. Looks like this one sold by someone else. If interested DM with price and interest and can send more info

All else equal, does having a company sponsor you at all affect chances at M7?

What’s the best savings account to keep money in? Interest rate? Minimum balance requirement? Annual fees?

Who should get my loyalty? United or American?

24k miles on my SQ5 and it’s telling me the brake pads needs to be replaced. Is this normal? Aren’t they supposed to last longer than that?

RSM folks, how long prior to start date did you get your laptop? Did you get any info on tracking number etc?

this is probably a long shot, but are any big firms fully back in person, like 5 days in the office required just like it was pre-pandemic?

How long it takes to get become a manager from Senior Consultant 3 in EY?

For those that have been in awhile and looking closely at retirement. Are you switching careers or if you did how did it go? What advice would you give someone four years out from retirement?

Tomorrow they are requiring masks again and I was almost in tears when I found out. We have been mask free (recommended) since June and I feel like we are being muzzled again. I am vaccinated, frustrated, and have been off of antidepressants since March. I don’t even want to go into work tomorrow. Anything is better than being virtual and I am trying to look at the bright side, but moving backward still burns. We have parent-teacher conferences coming up and I am hoping that it’s temporary.

How do you add positive structure to your life outside of work? I am way too worn out when I get home and my ADHD just takes over...

New to Roth IRA and ira. Do I need to report realized gains out of these accounts during year end tax reporting ? I day trade out of these accounts and flip even for quick 100$ gains

For those that trade individual stocks, how do you keep your emotions out? I decided not to buy Wayfair last month due to past volatility (was looking for short term gains) and now kicking myself.

Advice needed, my friend purchase Uipath for $88 now it is down to $8. He doesn't have much money and doesn't get paid very much. He used his entire inheritance and invested in Uipath and Palantir. What would you suggest sell or continue to hold?

Been living with my parents for a year to save money. We Get along well and have few issues. However I feel like I am not enjoying my 20s because I don’t want to put my parents at risk (I am responsible with covid, barely go out). Do you think it is worth it to move out and pay rent even though things are not normal anymore or should I just stay and save and invest knowing things go back to normal soon?

Thoughts on more aggressively paying down mortgage vs investing? I don’t have any real debt outside my mortgage & currently have 180k in my 401k, insurance policy & invest in a 529 for my daughter’s

4ht July fireworks happening tonite

Anyone know what is the financial requirements to be approved for Fidelity level 2 option trading?

Any recommendations for total market index funds? Thanks!

Is $4,500/month too much for mortgage (taxes, insurance, HOA incl) for HHI of $190K? If yes, what should be the max per month?

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

Noob question: I exited an ETF position on TDA however the funds aren’t available for me to plough back in. Any suggestions on how long it takes for a trade to settle?

Does anyone invest in crypto ICOs? Based in US, looking for a good platform to invest through

I’ve been using CoinList, but lately all their ICOs exclude US - so maybe we just don’t have many available to us anymore

Any twin toddler parents? I have twins (2 years old) and i am unable to figure how i would get them into college. With the current tuition costs and living expenses of attending college, i feel i can either buy a house or get them education. Any advice on how to plan savings?

Thoughts on VBIRX as a short-term (1-3 year) savings vehicle? Split with a HYSA.

Best indexes or ETFs to buy today? Y'all recommend the VTI or VOO?

I’m aiming to retire in 30 years, my current asset allocation between all my investment vehicles is 10% REITs, 10% Int. Equities, 10% bonds, 20% small cap equities, and 50% S&P 500. They are cont...

do you prioritize maxing out your 401K or investing in something that has a lot more potential to grow like stocks? and why?

Should I buy Everi stock?!

PwC fish: how can I do an in-service transfer of my after-tax 401k contributions to my Roth IRA? I was planning to roll them over after I leave the firm but saw in other thread that we allow in-servic

What’s the dummy’s guide to legally investing in weed stocks and businesses? Any good resources?