Is it a good time to buy 1BR Chicago Downtown? Lotsa places available under 250k, HOA in 500 range. Plan to live in it for 1 year, looking for jobs in SF, will rent out post relocation. Other ideas?

Looking to buy 35K marriott bonvoy points. Let me know if anyone’s willing to sell?

where is the best place to sell or trade in my used car? (2019 van low km’s)

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Any recommendations on a good side hustle or part time job? Trying to buy a house (yes I know the economy sucks right now) and it’s been tough saving with a SW salary.

I am investing as a beginner. What is a good company to start a brokerage account with ? Fidelity, Ameri E Trade, ML? I’m looking to put my money in index funds.

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

For those using voyager, does it take a really long time for deposits to settle? It's been like 1.5 weeks, my cash has been taken out of my bank account a while ago, but voyager still has all my deposits as pending.

I can still trade with the pending deposit, but I'm just wondering since I'll eventually withdraw some.

Guys, what platform do you use to trade US stock?

Hi! Anyone attend law school part-time while working full time? If so, would you be willing to share the total debt you graduated with? I only ask because I have not been able to find any info related to this online (only stats on full-time students).

I will be submitting applications to schools in one month, but really want to gain a better understanding of finances during and after graduating from law school.

My monthly salary after employees pf deduction and professional tax of 200 is 96,500.
How much income tax will be deducted on this amount without any investments and all.

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Bhaiyon aur Behno!
Gurgaon me kisi Broker ka number hai to dedo

Dhanyawaad

Can someone please for the love of god help me figure out how I can pay less income taxes? I only make 88k and I put the 12k standard deduction but I’m still getting taxed 27% of my paychecks! My sign on bonus (20 even) a few months ago was taxed nearly 45%! Excuse my ignorance, but am I doing something wrong? Will increasing deductions help or should I increase the withholdings? Is this normal?! Thanks for any help/advice, it’s greatly appreciated.

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

I’d like some independent views please, on a financial decision my wife and I are about to make. We’re looking to buy our first/dream home and the property is valued at $1.25m. We have savings of $250k and our HHI is c$350k, with no debt. We will probably exhaust our savings on the deposit and closing costs. A $1m with mortgage at 6% with property taxes is c$8k/month. We net about $14k, we think it’s just about manageable, however keen to get your views please? More context in comment below.

How much do you keep in the bank vs brokerage?

Recently received notice from landlord rent is going up ~20%. For reference, it is privately owned condo and did not sign at a COVID discounted rate. Super frustrated. What are others seeing for rent increases?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

401(k) gurus - If I switched jobs in 2020, does the $19.5k pretax 401(k) contribution limit apply to each plan or is it across plans? Also, does it matter if my spouse (joint filing) is self employed and bootstrapping and is not enrolled in a 401(k) plan?

Made a mistake: I bought a watch instead of an iPad for grad school use.

When is external hire IBD recruiting season?

I’m a really good matchmaker. Like...actually really good. I’m thinking about starting a business. Would you consider a matchmaker?

What do you guys usually wear to a job interview? I’m interviewing at a start up their a monthly subscription service that delivers clues to solve a mystery. So not super corporate but? 🤔

Hey Partners! I accepted a position at another firm and was bumped from manager to Senior consultant level. Could you give me some advice on 3 key things I can focus on to help me re-advance quickly?

To what degree is the US economy isolated from the world's madness? There has to be a breaking point right?

anyone here with Salesforce and do product willing to chat?

Is it a red flag to not use your current employer as a reference or would this not be noticed? I have other references I want to use who I think can better attest to my skills for the job but don’t want it to raise any questions.

Apartment hunting in LA… having a bit of sticker shock. did everything go up? Will it go down in the fall??

Supply chain issues are still a problem. And Fisher and VWR (Avantor) are as greedy as ever. I’m considering looking into starting or investing into a U.S. manufacturing based lab supply company. Thoughts? Anyone work for these companies that can discuss logistics and potential challenges?

My fiancé will NOT stop talking about her ex. After I found out they were texting arguing she justified it by saying it was about the dogs and not them. Even though Her social media is full of his pics. She still sends him $50 a month for dog food, still goes to work right by his place and suspiciously needs keys. I try to bring it up and I get dismantled for being too mean and making “false accusations.” How much more obvious can it be?

Does anyone work at Arnold Worldwide in Ny? Anyone work specifically on digital projects? Can you tell me about your digital process and whether or not you think it’s efficient? Are the projects are interetsing/challenging? Well managed?

Offered a salary of 92K for a Business Analyst position at Facebook NYC in the Marketing Intelligence team. What’s the typical range? I have more than 2 years of work experience

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

I’d like some independent views please, on a financial decision my wife and I are about to make. We’re looking to buy our first/dream home and the property is valued at $1.25m. We have savings of $250k and our HHI is c$350k, with no debt. We will probably exhaust our savings on the deposit and closing costs. A $1m with mortgage at 6% with property taxes is c$8k/month. We net about $14k, we think it’s just about manageable, however keen to get your views please? More context in comment below.

How much do you keep in the bank vs brokerage?

Finally have built up an emergency fund after 2 years of working! I’m looking to move most of it to a high yield savings account (and then start investing, woohoo) but not sure which is the best one or if certain ones have better services etc. I’m looking at Marcus just because it seems to have the best rates right now but any info helps! TIA

What are the best investment books or authors for beginners? What are the best podcasts, YouTube channels or bloggers to follow? What are your favorite stock trading platforms? And if you finally have six figures cash ready to invest, what's the best place to start? Which broker / financial advisor would you recommend? This is only for 3-5 years to ultimately buy a decent home for my family.

I'm clearly a dummy so any help is greatly appreciated.

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

Advice & resources? My spouse and I are starting to make good money (ages 28 & 31, $105k & $70k) with $10k in savings (we were hit hard financially this year) and 2 car payments.

We live in a cheap apartment ($1.3k) that is sh*tty. Don’t quite have a down payment (especially not in ATX). Is it dumb to rent a house for a year at $3k/month while we save up again?

We both didn’t come from $ and are figuring out how to not be idiots 🙃 tbh we would prefer to rent forever but that feels dumb???

Better to Airbnb out a rental or find a 12month lease tenant?

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

Are we headed for the long overdue crash/correction - red everywhere 👀

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

Advice appreciated: I want to sublease my apartment so that I can rent elsewhere and pay less. I had to move in a short amount of time and it was during the period where there was a high demand for housing, & leases everywhere were expensive so I signed what I thought was fairly cheap in comparison to what was out there. However I found something this month that will cut costs by 30%. How do I go about finding someone to sublease my place?

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..

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

I have a question on 401k loans. How is the principal repayment reinvested? Monthly? When the loan is fully paid? Do they cash out that portion of my investments or just use then as collateral?

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.