Looking at re-financing my mortgage with 2 lenders and need some advice please!

Currently sitting at 3.625% on a $512,000 home loan that now sits at about $490,000.

Lender 1: loan for ~$490,000, paying down for a few points to 2.875% (apr 3.034%); cash to close $12,344, monthly payments reduced by ~$300
Lender 2: loan for $510,000 (bundling in some closing costs), paying for points to 2.99% (apr 3.278%); cash to close $7,315, monthly payments also reduced by ~$300

Which option is better??

About to buy my first car, am I making a mistake? It's 2019 Corolla for 25K CAD (18K USD) all in. 45K kilometres (28K miles). I have 75K saved and earn 100K a year. It just feels too expensive, but it's hard to find something decent for less. Thoughts appreciated!

Anyone have any luck selling a condo in chicago using Redfin? The 1% fee for listing is attractive compared to the standard 6% with an agent. Are there extra fees with RedFin that I should be aware of? Looking to sell as quickly as possible so weighing the options and just starting to interview agents and look around for the best way to get my place listed.

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

How do you renegotiate your commission rate on TD Ameritrade and it’s platform ThinkOrSwim? Is this requested online or do you have to call in? Does it have a decent success rate? Im at the original .65.

I’m envious of the big status and points you international travelers get. I’ve always wondered how you get to travel internationally - just luck of the draw w projects? Or are you more senior?

Any story to share if you are caught knowingly or unknowingly trading on a non approved broker platform for stocks

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

For all you money people, which platform is the best (user friendly and lowest fees) for trading among: trade station, interactive brokers, td, fidelity, eTrade, or schwab? Does how much $ you’re playing with make a difference in choosing?

Boom cards. Worth the investment?

Client's budget is around $300K and would like an apartment on the East Coast / New England. Thoughts on if this is realistic?

Failed REG by 2 points... I feel defeated and honestly don’t know if I can do this anymore

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Favorite mezcal for cocktails? Bonus points for recipes!

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Amex gold or chase Sapphire preferred? I need a card for international travel to avoid foreign exchange fees. Please note, that I'll receive a $150 credit towards the Amex annual fee due to having a corp card. I'd you my capital one checking, but no rewards/benefits there.

3.5 years out of school, 2400 billable hours last year in TRS and just got promoted. what kind of year end compensation should I be expecting? Bonus and new salary

Hey guys with the current market boom I found a single family home 25 years old in a good school district with in my range . Looks like its decently maintained . Is there any thing specifically needed to look for ? When buying a house

Are Kuroni Tokyo Chronograph watches any good / worth the price? Any owners here?

Breakup etiquette- we broke up and I was supposed to go to his relatives’s wedding in a couple of weeks. I know the couple, not super well, but have hung out and texted individually as well. Should I let them know I won’t be attending and wish them well or don’t reach out to them?

Hello fishes,
I am currently working as project manager / scrum master in one of leading Indian MNC. Can someone please refer me in your company. Would share the profile in case you can. Please let me know the company name as well.

Hi folks - which consulting firms provide sponsorships for EMBA, I’m 12 years experience planning to do EMBA in 2020. Currently in the process of changing jobs and have offers from Deloitte and ACN.

Hi Fishes, can anyone refer me for data analytics profile.

Any recommendations for learning Mulesoft? I used it a bit a few years ago, but I don't remember much. How much has it changed since being bought by SF?

Hi, I recently got a job from a software company in Bangalore. And, the location of the company is Vasihnavi Tech Park, Sarjapur Road. I am totally new to Bangalore. Please help me whether that location is good? And where can I stay near to the company? I am looking for a 1BHK..

PLEASE HELP THANKS IN ADVANCE

best burger place with chicken options?

My husband does not show affection openly and is quite lazy in bed, and I thought I could deal with it because I love him, but it’s really really beginning to annoy me. For example, he refuses to do any foreplay and basically asks that I get on top of him most of the time when we have have sex- if I push him to do anything else he basically just refuses to have sex at all as some sort of ‘protest’. I am finding myself fantasising about an affair more and more

Anyone else juggling having kids at home during the winter break and trying to work from home around your SO (who is also working from home). The holidays are always SO hectic at my place and I'm feeling like a failure, my mother was a perfect housewife and I'm far from it lol. Other parents struggling with this?

What did you as a data analyst make 3 years out of college?

How to get release from a project? Hating the work environment and pressure here.

PE to HF - harder than it seems?

Question: Are employers legally allowed to deduct pay from your paycheck without your knowledge or approval?

Need help on how I transition my career from Audit to Management Consultancy. I have only completed BCom and ACCA (UK Chartered Accountant) and have worked for over 2 years at EY.

A creative judging film craft at CLIO’s and don’t have a single film in the portfolio? #industryproblems

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

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

HYSA anyone recommends?

Used car prices starting to come down?

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

Just gained some shares of a new stock due to a spin-off. I have owned the original company for years. Can I sell these shares now or would they be counted as short term capital gains?

Leave it to a 2% dip in a day to send people panicking lol

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

Poll - share your investment portfolio in your taxable account. Wanted to see different ideas. I’ll start - 25% FXAIX 25% FNCMX 25% FSPGX 25% FBRGX.

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

What is the point of a savings account if year-over-year inflation exceeds the APY rate?

Please rip apart my investing plan. Am 24, already max out retirement and have 150k in cash I need to invest. Planning to invest a chunk each week for the next six months. See proposed portfolio in comments—>

Can someone share a Charles Schwab referral link?

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.

Any thoughts of investing in gold or gold related instruments?