Looking for a good budgeting app that can manage multiple bank and investment accounts and have different budgeting options. Right now I'm using excel and downloading my bank transactions. I know I need to do better and get with current times.

Recs on spending NYE in Sydney?

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

Hi guys; looking to expand my portfolio and invest more heavily into crypto. Any tips/suggestions would be much appreciated. Thank you!

My first time buying a home and my fiancé second. Last time he was able to sit down with the loan officer and review any questions he had about the documents because there is a lot of language in there that isn't used by average people. Our current loan officer from the same bank branch wants to do everything electronically, and it's a battle just to get our answers. We're willing to lose the loan before signing on to a debt of $350 without knowing all of what we're signing on to.

Best books to understand all parts of the banks? - compliance, operations, risk management, trading settlement, etc.

Is 140/year base enough to buy 550k home? Have 20% to put down, 30k emergency fund, 130k in retirement. No debt. 29 yrs old.

What interest rates are yall seeing for a fixed 30 yr mortgage? My broker just quoted me 4.6% and usually she's lower than most. I about fell out of my chair.

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

Thoughts on secondary market shares for Palantir? I know this is a forum mainly dedicated to public companies but I have an opportunity to buy at a discount from the $20B valuation

CSR - hold or cancel? Firm has cancelled expenses on personal cards

I believe there is McKinsey user in this bowl trying to scam people and teach them about crypto…please be vigilant

Resources to learn about community development affordable housing lending? Have an interview with a MM lending group that specializes in affordable housing/LIHTC loans. Typical suite of products - balance sheet loans, Fannie/Freddie deals, structured loans, etc

Sold 100% of my xrp. What to buy instead?

Any Big 4/CPAs here buy a home in VHCOL (SF/Silicon Valley/Manhattan)? I’m wondering how do we compete with tech money in CA and high finance money in Manhattan if we don’t have wealthy parents?

Anyone recent NY (specifically Rockland / Orange County) home buyers here that are willing to connect?

Just joined this bowl... looking for advice on investment/saving strategy. I make around 60k, 6% company 401k, 0 debt, use Ally for majority of cash, stocks in robinhood

I want to start investing in the stock market and doing my own research but don't know where to start.

Hi Fishes,

I know this is not the right forum to post random messages but I’ve seen some great advice on here, so would like to know how you’d manage your money from the below information and how you’d save?

All ideas welcome :)

£70k total comp
£150,000 mortgage
New Driveway needed and back garden to be done
Current Savings of only £2k after a wedding, home renovation and honeymoon
Expenses have increased due to inflation and rising costs…approx. £1400 on bills etc

TL;DR: Social Security matters.

My wife & I are 35. If we quit working today, at 70 we are entitled to a combined $50k in annual SS in today’s dollars. (Source: SSA.tools)

$50k real is significant. Let’s be conservative and say that a 70 year old couple spends $100k per year. That’s SS meeting half of your required expenses.

Current law with current demographics shows that SS can fulfill 79% of benefits into perpetuity.

Assuming SS will disappear means working decades longer than needed

Requesting thoughts on developing a registered agent / local business advice (contacts, defense, small real estate masters, etc.) client book. I am thinking about developing semi-passive income streams for myself as a member of a small firm who does litigation and some of this work already. Any advice or anecdotal experience, anyone?

Hi Fishes,

Need 11 likes to DM.
Thanks for helping 🙂

3 weeks after me and the girl I was seeing ended things, she posts a pic from the wedding she had invited me to, with a new guy captioned “Babe”. Trust your gut folks, it’s always right.

Would you recommend EY? Ok a scale of 1 to 10?

What’s my best bet for a new credit card in 2023 to help with delta status? I have CsR right now but willing to give up and become a member on my husbands CsR. I researched the Amex delta platinum card and idk it didn’t seem that lucrative to help with status :(
Pre Covid, I always had platinum or Diamond and kept it through 2022 but I’m now going to be silver in 2023 sadly.

I’m looking for a position with a good organization as a 100% remote case manager. A position that meets my salary requirements and has good health insurance. I love case management and found it when I needed a break from bedside. Any guidance would be deeply appreciated!

Do any of the MBB firms have Salesforce practices/groups?

Any idea If we can change basic pay in TCS. It’s very hard to save tax with such low basic

When the application says a cover letter is optional and not really required, should I still be attaching a cover letter?

Hey fishes!
How do you make yourself feel good in your busy life? :))

Can anyone give an idea of calculation for leave encashment in final settlement in Capgemini? Thanks

Is a Wharton MBA as respected as a Stanford MBA in F500?

Have first rounds with Mck coming up and am fairly confident with all aspects of the interview except for the quantitative portion. My issue is moreso with going about how to solve the question rather than the actual calculations. Does anyone have any general resources or tips on how to practice this? I have been told going through GMAT problems could help as they are more business-centric. Will appreciate any and all advice - thank you!

looking for a Qualtrics expert to join our team. updating dashboards, etc. let me know if you're interested!

Does anyone know of a job where my husband can apply? He has been in customer service for years, but he can’t find a job for 6 months now. Any remote position or somewhere in SoCal/IE works for him. Thank you so much.

Squids pls mention some Companies which Provides Free food in Bangalore Location

As someone who grew up in the tropics and doesn’t know snow, whats the threshold to determine whether it is safe to drive in the snow or whether you are risking it?

Have to donate my old car. What precautions I need to take. Should I start with donation companies which tow the cars..my car is sitting outside driveway for 1.5 yr. Do I need to pay anything to the donation company.

Any Big 4/CPAs here buy a home in VHCOL (SF/Silicon Valley/Manhattan)? I’m wondering how do we compete with tech money in CA and high finance money in Manhattan if we don’t have wealthy parents?

Just joined this bowl... looking for advice on investment/saving strategy. I make around 60k, 6% company 401k, 0 debt, use Ally for majority of cash, stocks in robinhood

Need some advice: recently left Deloitte and joined new company that uses Fidelity for 401k — Deloitte used Vanguard. ~$13.5k in the Vanguard account, so should I roll over into new company’s..Cont.

Apart from Fidelity, I'd like to point that SOFI Invest did not restrict any stock and was relatively stable today.

I don't actually use it that much, but interface is slick and it's very user friendly. The only thing though is that they don't have option trading.

Let me know if you have questions about it!

Should I use my HSA for pregnancy/birth costs (now) or keep it invested within the HSA for later down the line (retirement)? Spouse and I are both 32 and the balance is about 3k in HSA (We’ve been using it in the past).

Can I use HELOC for down payment on the second property?

I live in Florida and I’m looking for a reliable accountant to help me file my taxes. Any recommendations?

To those who have an HSA and who are able to cap the contributions each year, what account balance would you need in order to not cap the contributions, or to no longer contribute at all? Just to clarify, these dollars are triple tax free, which is beautiful, but can only be spent on qualified medical expenses, so theoretically there’s some point where continuing to contribute toward it or capping the contributions may not make sense

I just started reading up on tbill ladder, and it seems like an interesting (and safe) way to lock in decent, tax advantaged, returns. I already have $20k in ibonds, and was planning to put in another $10k in January to lock in 6% interest for first 6 months, but am wondering if I should use it to start building a tbill ladder instead. Thoughts?

Need help with a home loan query - lets say i want to buy a $300k house, and looking for a bank loan.
Here’s the scenario for -Spouse and i together make 300k per year. Savings - 350k.. question is how much bank loan should i take given the high interest rates and how much down payment to make given i have sufficient savings in cash. I do not plan to invest the savings into anything in near term (2-3 yrs) and want to keep a 100k at-least for emergencies.. what should be my down payment

I have a Schwab traditional IRA with $60K in it.

Am I able to convert it to a Schwab Roth IRA without paying any penalty fees etc? Taxes?

Do any of you guys invest in iShare ETFs, specifically in $KSA? Looking to invest in Saudi development boom, but unsure which ETF vehicle to choose from.

Can I afford a $425K apartment on a $235k HHI? Taxes are $8k

How does Backdoor works from Accenture After tax contribution account to my vanguard Roth IRA account?

Care to share your favorite investing resources? (Books, websites, podcasts, videos, etc) I’m 24 and looking to get more into investing

Charles Schwab or Ally Invest for trading in stocks (including short selling) and investing in mutual funds? What stock broker do you use?

Thoughts on Indexed Universal Life Insurance as an investment vehicle? I hear the pros and cons from the sellers of this, whom I understand gain heavy commissions. But wanted to get thoughts from investors and if this isn't a good vehicle, what alternative investment vehicles do you suggest (outside of stocks, Roth, 401k, and real estate)? Looking to diversify my portfolio.

I'm 43, married, income 600k combined, and we have 2 properties worth 3m and investment accounts worth ~2-3m.

Thanks!

It’s the weekend i think I’m going to play tennis what about you