Looking for feedback on a car purchase. Currently financing a Volvo XC90 hybrid, about 2 years left in payments (or about $30k) and ~30k miles. I have cash offers (i.e., Carvana) for close to $50k. With that as a down payment, I could purchase a brand new 2025 model at nearly no incremental cost, albeit slightly higher rates and minimum term is 36 months. My wife is attached to our car because the R-Design styling is discontinued. I prefer brand new and latest tech. Any reasons to NOT do this?

Does anyone send out handwritten Christmas cards? (Ie. to a mentor you met at a networking event)

Guys, just want to hear your opinion on something/ what a guy would think ): my husband and I rarely argue but we recently have argued a lot more for little things. (See comment)

I rearrange my home office several times a year. Idk why but every 4 months I need to change it up. Anyone else do this?

What is the average L4 customer engineer TC for Austin, Texas?

What is P4 band in Fis global

Have you received a performance evaluation that you did not agree with? And how did you deal with it?

Do we have Cab facility for NatWest Bangalore??

Anyone watch the mayoral debate last night? Reading the recap, it seems like it wasn’t that interesting

Howz it working with DBS Hyderabad?

Anyone who sends some money monthly to their parents in India? If so, how much $/month. I send $2.5K each month but trying to figure out if there are better way to invest that sum here in the US than just to put that money in a Fixed Deposit in India.

How does IT SOX audit in industry usually do during recessions?

If I can ask a polling type question. I get invited to speak to law groups frequently. What topics would you like to hear about in 2020? Each are CLE accredited. Debt. Business planning. Finance 101?

Moving from Sweden to Netherlands this summer - anyone who has done the same and wants to chat?

Is kpmg kgs banglore taking alot of time to realise the offer??? banglore
As they took my documents on 9 September and it's 30 th today and the hr has not released it yet even not gave me a hike of 20-30% as per industry standards.


I am not getting better opportunity elsewhere , what should I do.
She called me on Wednesday confirming the od to be released by the wed or Friday..

Are they really taking that much time or are they fooling around my time

Looking to pivot from the retail sales universe to Customer Success manager/associate….
Are there Companies you recommend that hire entry level or offer training for these type of roles?
I’ve done some courses and certificates to begin my transition and familiarize myself with the role, any advice will help…

Anyone here can help me for h1b sponsorship?, i am holding an h4 dependent visa without work permit. Not willing to leave my job here in India due to financial requirements.

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

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)

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

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?

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?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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.

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

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Any good wedding ring sources aside from Blue Nile?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Anyone have a recommended tax person in Chicago?

Best high yield savings products?

Google stock to buy now or after the split?

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

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best