Is there any disadvantage to getting a target debit card vs a credit card? The debit card still gets 5% off on purchases. Thinking of going with a debit card because I’m about to apply for a different credit card (chase sapphire) and don’t want my credit score to take a hit

Can I keep my ex-spouse in my insurance plan after our divorce?

@Partners - how much money do you need to invest I to the firm to get your partner share?

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.

Looking to buy a studio in NYC (~600k). How low should I go below asking price when making an offer (especially given that the price went down 5% two months ago)? I’m thinking 15% below asking. Location is okay, no view, and a month to month renter in place. Thoughts?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Alright team…how do we get rich off the metaverse? MANA coin? $RBLX? Open to any and all suggestions. TY!

AMA: International Travel (US to Europe) During Coronavirus! I found very little info on this topic before my trip and had a bunch of questions which I wish someone could have helped with. Now, a friend and I both traveled US to Europe in the last week, different routes, in Econ/Biz. For anyone else looking to do the same, I’m happy to answer anything about the process - check in, flights, mask usage, security, visa checks, airports, social distancing, etc.

Guys I had a terrible nightmare this morning. Apparently I saw two middle aged men burning alive in a hotel room. And then I woke up.
Too much game of thrones or is there some meaning to this lol

Just got my offer accepted for a house in San Jose. Shopping for interest rate now:
Should I got for
7ARM - 4.25% interest rate
30 fixed - 4.75 % interest rate

Banker is recommending 7ARM but wanted to get general opinion as well.

Thoughts?

Roth vs Traditional 401k, thoughts?

Travel nursing- I'm really considering taking one of the mega paychecks jobs in the hardest hit states.

New investor here, should I sell my one singular Tesla stock(114% return) and look at some smaller stocks?

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

I want to buy my first property to rent it out. Was thinking about using a property manager since I don’t want to deal with hands-on work of rental mgmt. Any thoughts or exp with this?

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

How do you take care of your dog if you travel for work with your dog? Does your dog get enough exercises when you’re in travel? If it’s possible, I would like to know everything.

Would love New Years recommendations within a 90 minute flight from Malaga, Spain. Leaning towards ski towns but open to other suggestions. Anyone have any recs? Thanks!

Recommendations for hotels in Portugal?? Preferably a Marriott branded hotel. Planning a 5 day trip to Portugal in April.

What are your excuses to leave your current job early for an interview at another agency?

Does walmart GTS conduct it's interview by FIS global interview panelists? Did anyone face such kind of interview situation in past 1 or 2 weeks ?

Does any BTECH + MBA grad regret doing MBA 😂

It's hysterical how money is flowing in IT industry.

I would never regret though, but dayuuuuuuym?

Any coders here? Does anyone happen to have the AAPC study guide for 2022 and would be willing to sell? Thank you in advance

Is there a demand for privacy professionals? Been seeing this discussed more and more recently

Does anyone have experience working for a ALSP? How does compensation work (pay and benefits)? Are you an employee or technically an IC? Do you have billable requirements like at a firm? How do you think it prepared you to potentially move in house? I'm currently at a firm but thinking of taking a position with an ALSP but my goal is to go in house.

Looking at a job in Kobo (Rakuten) for Data Analyst, any insights as in the technical portion of the interview ? Also, any recommendations regarding the company? Thank you!

Looking for book recommendations; any favorites? Interested in both fiction and educational/self-improvement (for example, investment / finance books, time management, etc). I feel my vocab is...

Is it possible to find a six-figure job right out of college? How long did it take you to start earning that kind of salary?

how much package i can expect with total 6 year of experience includes web API development and 2 year of AWS experience on EC2, Fargate etc (certified with AWS developer) and 3 years of Onsite experience

Food has been my no. 1 source of self soothing / de-stressing over the years and now trying to find alternatives when anxious or stressed. For those who have tried this, what has worked for you? Thank you🙏🏽

What questions do you ask potential creative hires during their interview?

What is the work that an Associate Consultant does in the Deal Advisory team? I have an interview for the same role.

How many months in is it normal to hate a new job vs you've given it a long enough chance to know it's a wrong fit?

How much do you keep in the bank vs brokerage?

Hi!! If anyone here works for Axis, how do your titles work? I’m used to trainee (0-2 YOE), underwriter (2-4), senior underwriter (4+), then avp/executive underwriter.

What does the book says if you are up 120% on a stock in one day 😳

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

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.

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

I want to buy my first property to rent it out. Was thinking about using a property manager since I don’t want to deal with hands-on work of rental mgmt. Any thoughts or exp with this?

How much do you keep in the bank vs brokerage?

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???

Hoping to earn rental income. Any good advice or resources on getting started? What’s your experience been like? Thanks for sharing in advance!

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.

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

Has anyone used individual citi wealth management account?

Any feedback on the same?

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.

What stocks are you betting on for 2018?

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

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

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.

GME and AMC are not doing well today 😂

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

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