My auto loan is 25,000 remaining at 2.5% and mortgage $400,000 at 7.4 rate (just started). Does it make sense to payoff auto loan and use that monthly payment towards mortgage principal or simply put $25,000 towards mortgage and reduce it to $375K?

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.

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?

Just starting to invest, should I make an account with Vanguard or Fidelity?

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

Thoughts on credit funds? Immediate start offer is tempting.

Hi guys.
Do you think investing in gold is a good choice?
Seeing their prices are going up, there will be good value in future for these

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

First time investing:

1) When I sell my stocks and have capital gains, how much do I pay in taxes? %?
2) Are Boeing shares worth it?

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

When is the Bitcoin bubble going to pop?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Refinanced my house last month and just got a $5k check for the property tax escrow balance from my old loan. My plan was to use that to put down on the new loan (new lender funded the property tax) but I’m wondering if I should just invest it? My rate interest rate is below 3%. Anything I am missing here? New to this process.

Anyone buying a place during Covid times in Denver? How's it going?

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

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.

My wife and I are currently sharing one vehicle and considering purchasing a 2nd car, most likely Tesla Model Y. Tesla lowered rates from 2.99% to 2.49% 72 months. Is that considered a good rate? Has anyone else went with another auto loan? Also thinking about buying a 2nd home. Would financing a car before buying a house have any major impacts? I have a credit score at 794.

Planning to make my way down south to buy a road bike and a kayak. I heard they’re not allowing any crossing if it’s not for essential services. Will this change if I get vaccinated?

How much do mid-level sales people do in SaaS? (Base Salary and commission structure)

Hey guys,

I have an interview at Microsoft next week for the role of SharePoint consultant. What should my preparation be like?

🤝 Pay it Forward:

Drop a hard-earned piece of advice or wisdom that has seriously helped you in life or your finance career

Help another user and pay it forward. 👇

What is your fashion inspiration? (i.e. GQ, Pinterest, etc?)

Any Mental Health Techs or Clinicians at “Community” in Indy. Looking for salaries and experience . I hired on with 6-7 years at $20 even

How is Microsoft's Customer Value Engineering team? How is the work culture, work life balance and growth opportunities?

please help me get to 11 likes to unlock the messaging features. Thanks a ton in advance 😊

Is it ok to switch to Big data tech stack like Hadoop, Hive, Python after 7 years of experience from .Net technologies ? Which of the two field is good for long term perspective.

Anyone up for chat😔😔 Feeling low...

If you are a registered client associate (FAs assistant) how much do you make (breakdown salary & comp), how many YOE and where are you located?

Anyone has experience in transferring to another office, say NYC to HK? Is it hard?

Where can I get a great money clip? All prices and styles are welcome

Preping up for aws data analytics speciality exam. Going through udemy course for prep. Any exam practice cheats heats or typical topics I need to focus on. Exam in 3 weeks and I have 2 weeks vacation to prep

Is there anyone who works for Google or Amazon and has a healthcare background with no tech skills? I have my MBA with a healthcare concentration and I’m looking to switch industries. I’ve started to take certification courses on Udemy but would love any insight on how I could get my foot in the door with those companies. Thank you!!

I’ve been in public accounting for about 6 years and I feel like I need a certification. The CPA is not happening. What would be the most valuable CIA , CFE , CMA of CISA?

Hearing of layoffs with some Chicago agencies. MSL...Porter...Ketchum...others? Sign of bad economy coming? Hate to sound skittish, but I lived through 2008

How is anyone surprised that people like Caputo are highly politicized pieces of the COVID response

Anyone here have a soho house membership? Was it hard to get with a corporate background (i.e consulting)?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

I am looking into buying a multi unit (dullex,triplex,quad) in Chicago ideally in Lakeview East/West, Lincoln Park, Wicker Park, Logan Square, Bucktown areas.

This will be my first property and planning on living in one of the units. Downpayment will come from what I have in stock market but wondering if anyone has any models to how to analyze if it would be a good investment property. Would appreciate any help? First in family to get into something like this.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Help needed: No idea where to look or how start housing search. Household income (myself + wife, no kids...perhaps in 3-5 years) is $250k pretax and we are moving to Indianapolis (so looking at Zionsville, Carmel, Fishers area). Any idea how much house we can afford? Good resources to conduct the search? Any help appreciated.

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Hey everyone, curious about pros/cons and profitability of renting out a unit long term vs AirBnB. Let’s say it’s a condo downtown in a big city, how do you figure out what’s the better option?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?