Looking to buy a car December - SUV that has a decent resale value, and very reliable. Used or new 20k max if used and 25k if new. Thoughts? Thank you!! 🙏

Received a letter from Wells Fargo today. They are offering a refinance of fixed 30 year mortgage at 3.5%. I have no idea how they can do this judging by today’s interest rates. Currently my interest rate is at 4.5%. Judging by Wells Fargo sketchy history, I don’t trust it, however has anyone else gotten this offer?

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.

Would love to get insight from folks here as I’m not quite sure what to do. I currently have around 14K in student loan debt and enough saved up to pay it off in one fell swoop. What I’m struggling with is whether I should invest that money into the stock market (thinking less risky S&P 500 ETF) and pay off my student loans monthly with the average payment being around 1000 so I can pay it off in about 16-18 months (due to interest being around 5%) or pay it off all in one go?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

Any good ETFs to invest Roth into?

How do people afford to buy $1M houses in Chicago? Surely not everyone buying them is rich (which is somewhat of a subjective term). My wife and I are 30 and have a combined income of almost $300k and trying to buy something that expensive seems asinine yet people do it. Am I missing something?

Best resources/books on getting personal finance in order?

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Anyone else a landlord on a condo unit? Any recommendations for landlord condo insurance? Do I need to look specifically for an insurer that provides this specific plan or do most insurers have an option for landlord condo?

So...bonus was abysmal and I whined...but I had no idea that the profit sharing would be even more pathetic. Fuck this shit.

Need help on how to invest. We are positioned to pay off our house later this year. Expect to work for another ~20 years. 401k fully funded and have some company stock investments maturing over the next few years, but no investments outside of that. Kids have a prepaid college plan for certain schools. Emergency fund is solid. Where should I look to start investing? I have fidelity for my 401k, would they be good to open a taxable investment account with, or are there better options?

For the folks that bought an a second property (rental) with less than 20% down, how did y’all pull it off ? 10 % down payment is all I can afford.

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

Okay finance lawyers. I don't understand this issue. Client says books show we're highly profitable but we have no way to pay our tax liability.... Well where the hell did tbe money go ? Client also claims that they are only taking a small portion of the revenue as profit. I don't understand how your books can be different than reality.

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

I get Waddle & Pollard, I give away Mattison and Davante Adams. Good or bad trade? I am 0-3.

What is the most reliable way to make $750k a year by your late 30s?

Hello and happy Thanksgiving! What are the pros and cons of living in San Diego vs San Francisco? I’m from NY and looking to move to one of those locations. I’m hoping to get more info on rent, dating, entertainment, taxes, and job stability.

Best messenger bags/laptop bags/backpacks on an entry level consultant budget? Thinking <$250

Insight into fertility benefits at capital one? Would appreciate any input

Planning to pivot my career from Financial Analysis to Marketing Analytics. M level, YOE 6
I’d like to know the compensation range for Manager in Analytics role. thanks!

What is the max salary IBM can offer for Managing Project Manager role (band 8) without retirals for Bangalore location? Please let me know.

I want to work for The Walt Disney Company corporate offices. Anywhere. I don't care where there's an office. I want to work for that company. I don't know how to drive in rain or snow, but if they have an office in places that snow, I WILL MAKE THE SACRIFICE 🤣

But I still have questions though 🤔 -

What is the culture like?
What are the work hours?
Does Disney pay for relocation for new hires like some of the FAANG companies do?

@

Hi guys,

Looking for freelancing project.
Any reference would be helpful.

Which companies offering 25L above for 7 years experience ? Skills: selenium,API automation,Cypress,SQL

Looking for possible Google referral, interested in positions out of Reston VA and Washington DC ( security clearance, DoD work)

What benefits do we get when moving to the UK from India?

I am getting the below.
1. Dependent visa for my family
2. 1 month accommodation
3. Relocation expenses.

Is there anything else I can ask for? Please share if you have any experience on the same.

Hi all, i was fired today because i said the truth!! Isn’t that interesting?

How much difference does have a LinkedIn profile pic have vs not having it?

Is leaving consulting as a senior, with 2 YOE, too soon? When is a “good” time to exit, in your opinion? I ask because I’ve heard senior is good, and I’ve heard manager is the latest you should stay before diminishing exit returns (anecdotal)

Has a partner ever come back and asked you why you spent so much time on certain things? Im a first year and this hasn’t happened to me at my firm and they tell us not to cut our own time, but my first firm (short stint, small firm) did this to me allll the time and made me feel guilty — so just curious if this has happened to anyone in big law.

Currently an associate at a V30 and negotiating a partnership position at another V30. What is the correct way to maximize the pay in the negotiation as a lateral partner? I’m afraid of settling at a lower price than what they can do at the top end of the range! Do I anchor by asking for an outrageous figure or let them offer a salary figure first?

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

I need advice on how to approach a raise request.

I am a software sales representative in the manufacturing space. My starting salary was $85,000 in 2015 I did not receive a raise until I asked for one three years later in 2018. The raise was 5%. I have not received a raise since the 5% raise I received in 2018. They granted me a $2000 one time bonus in 2021 when I asked for a raise. How do I request a raise and get one?

I have brought up the cost of living expense and they do not acknowledg

So many people live in NYC but still it feels like the loneliness place on the planet. Does anybody have positive stories from dating apps? How do you guys meet ppl in general?

I bought solar lights off Amazon from the US but I want to take them to my home country in Asia. Does anyone know if I’m allowed to take them? They have lithium ion batteries

In house interview- I am going to hopefully the final round of interview to meet the whole legal team. I was asked about my availability, and it will take 5 hours if in one day. Should I split to multiple days? Will it cause any issues? Anyone on both sides can speak from their experience? Thanks!

Anyone selling Toyota RAV4 or Honda Accord in Chicago area?

BMW or Mercedes
Which is more impressive as a brand? Thinking of either the E class or 5 series.

Thoughts on Jeep Compass? Want something a bit more “fun” than a Rav4/Cr-v

Need your help/advice! I was rear ended & gave my car to the body shop. The lift gate needs to be replaced. It's been 9 weeks and they have not yet received the part. They don't know when they'll get it in. Additionally, they mentioned that they ordered the part with my VIN & they received the wrong part. (How?) Now they're like we've called xyz vendors and none of them have the part. Is it just me, or are they lying? And their response to follow up is we will keep checking...continue..

Anyone selling a Mitsubishi Outlander in the NE tristate area?

Or really any van/SUV under that has third row seating and decent safety features. Preferably under 100K miles.

How negotiable are used cars from places like Carmax Carguru Autotrader etc?

Used: C7 vs M4 vs C63 vs RS5
Which car would you go with, why?

I have a 2017 Hyundai SantaFe XL SE, 32K miles. End of lease is coming up buyout price is $19.5K. Should i buy the car and sell it myself OR the hassle doesn’t worth it, just return it? The car is in great shape though.

Is it a good idea to put MSD down or any down payment when leasing in this current environment?

Glb 250 vs glc 300? Well did not know glb 250 is quite good with an optional 7 seater option?

How much would a Toyota Corolla 2020 LE with around 30K miles sell for in 2023?

Finalised my car sale at Carvana. Had indicated that my car is in a good condition with minor cosmetic defects. Today someone has scratched the back of my car with what looks like a Key scratch. Will the evaluator decrease the price or refuse the sale on inspection? Has anyone had an experience with selling with Carvana? Thanks!

Hello! Need help. I got a letter in mail for Hyundai's car recall and was told to contact nearest Hyundai dealer. Upon calling, I was told that while it's a known recall, there is no remedy for it per the corporate site.

The two doesn't add up. Should I call another dealer? Or is something like this possible? Clearly a novice when it come sto this.

Looking for recommendations. My budget is 15k. Basic Nissan versa(new) 15 k vs 2017 accord/camry 50 or 60 k miles ?

Would love to hear what car everybody is driving around in or hoping to purchase in the near future!

Audi S4 or BMW M340i? Looking to buy used.

Female looking to buy and gently used / preowned Small SUV. I am a Toyota Prius kind of person and looking to find an suv that will work for me. I haven’t looked at other models but currently leaning towards a Lexus. Any recommendations or suggestions from SUV owners? Couple no kids

Anyone else absolutely in love with the Corvette C8? What do you think the depreciation will be on them - wondering if it might be smart to wait a year or three and buy used.

Anyone here own a Ferrari? I’ve always wanted one.