Me and my partner are struggling with where to invest our money for retirement. We are from the UK, live in Canada but are unsure if we will retire in either country.
Would love to hear from other expats and how you invested long term while keeping your finances fairly mobile.

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Thursday I got it in my head that I needed to hedge against potential Dollar devaluation. I looked at other market funds thinking them to be good proxies for other currencies.

I decided to pick up a few but saw the Baltic Index was going up, higher shipping rates means increased demand, so it pointed to the Chinese economy picking up significantly.

I looked at FXI, there was no option interest so they were super cheap. I figured I pick up a bunch.

They opened at +%333 talk about dumb luck.

Thoughts on Transfix? Anyone invested?

Folks from EY, what are the implications of investing in India, be it Mutual Funds or direct stock? I’m worries about the independence restrictions in India, holding off due to that

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

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.

Feeling a large wash out on TSLA is coming. Up on the week on leaked Musk email relating to deliveries. That number came in today at a beat. Bought todays puts when stock at 1208. Looking for 1150. Profit taking is coming. Don’t follow as risk is high.

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

Should I ask for a refund for my Delta flight or keep it as credit that can last til 2022? Delta is losing about 50m a day, so it’s a bit concerning. What would you do?

Chase Freedom vs Freedom Unlimited for everyday spend?
Plan to transfer points to my CSR.
Non traveling consultant

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

Any pros and cons on either getting the capital one venture card or a credit card with United. I want to start traveling more and mostly fly with United since it has a lot of flights out of my nearest airport. Debating on which one would be better.

What platform do you use to buy Bitcoin and Ethereum? I need to move off of Robinhood and am looking for a platform with low transaction fees for buying as I DCA and occasion sell each year to step up my basis.

Other than a Tesla, what make and model has the best acceleration per dollar?

How much are people paying for renters insurance in Bay Area, specifically East Bay?

Drop your insurance company names, if comfortable.

What’s some good digital invest account platforms?

How much do you normally on average net when you sell a home? Looking to upgrade due to second kid on the way and I’m curious how much goes to fees, brokers, agents, etc. My current home is worth 325k per Zillow and my mortgage balance is 165k, so about 160k of equity. So if I sold it for what it’s worth at 325k, how much could I expect to net for my next home’s down payment? I see different answers online so anyone with experience would be great. Thanks.

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

Hi,

I got 2 offers one from HCL and another from LTIMindtree. I want to join HCL but they are yet to release offer letter but has given confirmation over mail.

For LTIMindtree I have received the offer letter and yet to accept the same, but they are soon staring background verification for onboarding as soon as I accept the offer letter.

In this case what to do pls suggest.

Hi guys I was working as application support engineer in my previous company and now I got java spring boot micro services project in cognizant but I getting scared to start working don't know why although I have cleared the interviews for cognizant as well as project .
How to overcome that fear please help

Hey Everyone! I’m looking for bookkeeping/accounting/fractional CFO firm recommends for a new but fast scaling film/entertainment industry related business. Any great reccos?

Having thoughts about leaving Tax for a smaller Co that specializes in SALT credits and incentives... but could this limit me down the road experience wise if I decided to leave there? I have a diverse experience now, but I don’t want to be looked at as only SALT later.

Pay your fair share!

Today’s my bday. Also my beloved family dog is getting put to sleep due to cancer. I didn’t take the day off today for either reasons. Do I have my priorities messed up right now?

Question for senior tax managers, tax directors, and higher in public accounting. Have you seen managers or senior managers in PA hired in tax who you feel know very little for the position, or does this happen only very rarely or never in your opinion?

Hey y’all, wanted to get some insight into an offer.

Director level sales role
250k OTE 60/40 split uncapped
325k stock 4 year vest (options) - pre IPO unicorn
10k sign on bonus

I’ve got about 8-9 years in enterprise sales /mgt

Currently looking to relocate to Netherlands / specifically Amsterdam; can anyone share some insights to average Senior Manager salaries? TIA

Anyone know what happylucky is like to work for? Pros and cons appreciated.

How are you all managing COVID anxiety for the little ones?

My wife and I are fully vaxxed now and we know kids seem to not be impacted much by it, but it still feels irresponsible to go back to “normal” if it means putting them at risk.

Hi all! I work at a nonprofit and am looking to leave the organization. As I browse available positions in my area, I’m realizing there is a LOT of crossover between my current org and others, for example shared board members, folks who are on our board and employed at one of the institutions I’m interested in, etc.. Is there a way to say “my current org doesn’t know I’m looking, so please treat my interest with discretion” that doesn’t raise red flags? Thanks!

When a company moves a manager technology from boston to new york office, how much salary raise and moving expenses are reasonable?

I'm a recent grad who accepted an entry-level full-time job offer with Capital One. I knew that MBB and other consulting firms rarely ever negotiate salary with new grads, so I didn't with Capital One as well. Was that a mistake? What were the likelihoods that they would have raised my salary? I had no other competing offers at the time

Differences between Big 4 FDD versus mid tier PA firms or HL/A&M/D&P? Big 4 typically gets the largest deals, Mid tier PA and HL/A&M/D&P doesn’t have offshore help, would these statements be accurate?
What else? Anyone have any specific insights that wouldn’t be found via the search button?

Need 25 likes to unlock DM.

Just kidding !

Just 12.

Best high yield savings products?

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?

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

Have about 5k to invest - should I do FXAIX or FSKAX?

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?

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?

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

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.

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 :)

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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)

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

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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

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.

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.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

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?