Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Need help looking for a 1 bd, I’ve tried domu/Zillow but none of the options are appealing. Should I be using a realtor?

Budget: $1,200
Areas of interest: LP, Lakeview, Wicker Park, Old Town, Streeterville, West Loop, River North

Best resources to learn about stock options included with an offer? Don’t want these roses to start smelling bad in a few years..

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Dear All,
I am seeking suggestion, Recently started fishing business.
Presently nothing is on paper and it done same as farming… catching and selling locally in market, We have also employed 26 people to work on trawler for fishing.
Is there any way to register firm to take some investments from market/banks

What is the present value of a government pension? How does one calculate it? Trying to get a sense of weather it's worth moving over to Federal.

When people think all I do are tax returns and I'm like "No, I do estimates and extensions too. You're just not rich enough for that"

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

Opinion on the Milton (Cambridge high) vs Suwannee (Peachtree ridge high) to buy a house? Have a 3 yr old.

Suggestions on the best credit cards that I don’t have to pay for?

Leaving the firm I have a credit balance of 230 on my company Amex. Is it wrong to use that credit balance on whatever I want ? Last day is this Friday 👍🏾

Can you please share the age of your kid(s) and how much you’ve accumulated in their 529s to date?

I finally decided to invest in cryptocurrency but not sure how and where to start. I am looking to invest from a long term perspective (5-10 years).

Are there any low risk steady increase options or is the whole crypto currency a high risk game?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

I’m currently a wire house FA who received assets from a retiree. I likely have 4 years before I’d be able to move my book of business, but I definitely want to move to an Indy channel. When should I start these discussions with other firms/business owners and are there benefits to merging with an existing practice at that time?

Rate my offer for a business valuations associate role at a boutique firm in Toronto:
- $90k + ~7.5% annual performance bonus
- $5k in clawback reimbursement
- will pay all professional fees throughout term of employment (CPA & CBV)

My background:
- SA1 in assurance
- Master of Accounting
- passed CFE, qualify in about half a year
- enrolled in CBV program of studies
- 24 yrs old

Parents are deciding between moving to WVirginia vs Virginia at retirement to be closer to us based in fairfax (ideally be at 1 hour driving distance). They currently in the mid west but WVirginia appeals to them because of low taxes, low cost of living. We are also poc so appreciate some diversity.

What are some areas you would recommend both in Va and WV? What else should they consider prior to house hunting? Dad likes to garden/farm as well so looking for homes with large backyards. Tia!

My lease is expiring and a friend wants to buy the car . Anyone do this before ? I guess I would have to buy it and then sell it to them ?

About to get a home improvement loan. Any recommendations for a lender? Also looking for general advice. TIA!

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

hi All , i have 6+ years of exprience in Indurance domain as a BA, i did my masters in insurance aswell , how much CTC can i expect from EY fir the role of BA at senior level ??

Hello Professionals, I am Qualified Chartered Accountant with one year experience post qualification . Currently working in Deloitte India - Risk Advisory service, looking for job change. Preferably Internal Audit. Let me know any vacancy apart from Big4s.

Hi All,
I'm Looking for a referral.
Experience - 1.4yr
Tech stack - AWS , CICD ,GIT, Bitbucket.
Please help.

Sooo

Recently started a new job and got completely fleeced by internal politics and am not gelling with leadership.

I had another offer from a cool firm - what’s the best way to ask if they would consider me again?

Downtown Austin nice highrise apts? I hear good things about bowie and northshore. Stick to those two or any other good ones at that similar price pt

Hi

I have 3.6 YOE in java j2ee and springboot
Could you please refer me in Netcracker

Anyone going to SoFi's Atlanta members event tomorrow?

Do FAANG recruiters give chance to domain switchers? Eg account management to product management or product marketing if I invest in a suitable crash course to indicate interest and passion?

Other than MAANG, which companies are good for the data scientists in India (both product and service)? Good in terms of project complexity, rigor of analytical approach, scale of problems, implementation opportunities, usage of latest tech stack, innovation, mlops best practices etc.

Looking to move to investment banking front office from Consulting. Any advises, referral you would like to give ? I’m willing to connect with someone as well to discuss further.

State of Ohio:
Anyone have experience with Dept of Public Safety? Are they disorganized? Do they have a bad culture? I am starting to think they suck based on my application experience with them , compared to other state agencies.

Chris Stapleton might be a cool guy. Maybe he has some good music. But every time I hear him sing “drive on” during a Ram commercial I want to punch him in the face. Ram has overplayed that one.

If someone recommended you reach out to a mutual friend to get to know them for a relationship, do you ever mention that to the person?

Has anyone been through a situation that you were in a terrible relationship ( stress,anger, fights, swears, physical abuse, ego clashes) and how did you resolve it? Some might have worked on and stayed in the relationship and some might have broken up. I am looking for answers from both sides. How did you stay/work on it and how did you break up and move on? Me and my partner have strong feelings for eachother and are almost inseparable despite going through so much.

Anyone looking at airline stocks or ETF play?

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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.

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Google stock to buy now or after the split?

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.

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.

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

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?

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

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

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.

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below: