Newbie question. I currently have VTSAX as my only investment. Is VOO essentially the same thing? Does it make sense to put money into both? Just looking to diversity a little beyond just VTSAX

Monday Wordle :

Wordle 401 5/6

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Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Relocating from the west coast in late spring. We have three kids under 6. School system is important to us. Thinking relocating to the Lake Norman area or Fort Mills. Pros and Cons. Looking to purchase a house and sq at least 3250-3500 min. Any advise for the area.

Hey guys, where do you recommend for living near Times Square on a 70-80k base salary-- for my first year in the city? I’m budgeting $1500-2500 for my half as I’m expecting a roommate.

How much money have you lost? Misery loves company

First instinct this morning... put more money on coinbase. Hope by the time it clears I still catch the bottom.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

I’m applying to some PE funds (currently a BA at a top consultancy). I want to know, assuming I get in, when can I buy myself a Ferrari and a yacht?

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

Betting on ETH because I think it has real value other than just a currency. Why’s it slumping though.

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Filing all tax forms for a corporation for the first time. Does anyone use TurboTax for this? Besides y/e tax return what else is needed to file? Quarterly 1040ES? Payroll tax?

My firm doesn’t match my 401k — still worth opting in?

Hi guys!
I am here to request for some support from the community in form of referrals as you may know about all the uncertainties that are prevailing at better mortgage. Any lead would be highly appreciated.

Does anyone know of any retirement plan routes that'll allow you to invest directly into BTC? Or would you have to invest indirectly?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

I just logged in to the Chase app and it’s asking for my income to keep my profile up to date. Is this normal? It says it’s a way for them to consider me for credit limit increases but any reason not to share?

160k TC, 125k salary in Seattle. How much should I spend on food/rent - can you give a conservative range?

I would like to maximize savings but not live with roommates/in a <400 sqft apartment

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

Any opinions on Atlanta vs. Vegas IMC Markets?

Struggling with separating what's for real and what my anxiety is making me believe. Like when I am stressing about something, I don't know if things are going south and I should be doing something...

Can anyone please advise on Sullivan & Worcester? Is it comparable to Big Law in terms of salary/quality of work and quality of life?

Anyone at Davis Wright Tremaine and know if they hire remote paralegals on a full time basis or iy through the 6 month contract?

Recent lateral junior associate in brand new practice where I'm the only associate. I'm probably going to bill 1,500 hours max this year due to being very slow and taking time off for a delayed honeymoon which I disclosed during my interview process. I have been told my work product is good, I don't turn anything down, I participate in non-billable work, I'm responsive and I always let people know I'm available to help. Do I need to be worried about getting fired for low hours?

With the various RTO rumors/fear out there and in the absence of spring/summer/fall(?) bonuses. Would you consider coming into the office more if your firm offered bonuses linked to days in the office (coupled with billable targets, of course)?

Reading The Anomaly by Hervé Le Tellier and thinking about the last time I was on a turbulent flight 🤔

Is there any plan of opening new office in chennai? Considering current situation

Hello Fishes,

I would like to know the appraisal cycle in UST, If I join by December, when will be the next cycle(april to april or dec to dec)?

Would you consider joining Oracle consulting or Deloitte USI for Oracle Cloud technology profile.

Any openly T fish here? Or non binary fish that have undergone FTM top surgery?

Hey all!

Joining google on Mar 28. Wanted to check what is the salary schedule (bi-weekly) dates?

Need to resign, so planning accordingly.

Thanks for your help!

Any assurance AM's here ? What is the salary range ? Qualified CA

How hard or easy is it to transfer groups within EY?

Hi All,
Looking to automate a manual process for the client and thinking of creating macros for with VBA. Has anyone done anything similar?

In the process of learning but wanted to reach out for any tips, tricks and advice anyone may have.

Thanks I’m advance.

How long does it takes for you to feel confident on what you are doing at FDD? Essentially I am not trying to stay at FDD forever but want to make sure that I learn all the necessary skills before I go.

Hello all! I handle personal injury and bankrputcy/real estate law in Florida.

I am also fluent in Spanish. Please keep me in mind whenever you need someone for any auto accidents, slip and falls, insurance claims, or medical malpractice.

Had a socially distanced get together in my backyard (3 people) and it was difficult with convo....after talking about WFH/job related issues, we just kind of sat there with not much updates....anyone else struggling right now? Life just seems very bland

Which firms are actually doing work in the emerging tech space - NFTs, DAOs, and related blockchain fun?

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Anyone else long on AMT?

Such a Boring session today! 30 mins left. Any drama big movers?

Why are markets up today ? Has the panic subsided?

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Anyone part of F45 or close side red franchise opportunity with them ?

For those that have physical gold in their portfolio, what do you buy? What do you think is the best value? Coins? Bars? Other? And what weight increments do you usually buy?

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.

Good neighborhood for buying rental investment properties in Dallas? Have budget of around $400k.

What is the best platform for cryptocurrency?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

How would you sell ETFs in retirement since there is no average cost option for etfs?

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Realized some gains from a trade and I have 5k to move. I’m looking at TGT or WMT as an alternative play to AMZN. I’m looking to start a long position 3-5 year hold/add and reap some dividend reinvestment. Any opinion of which one to go with?

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

At this point, I am ready to die with my GME stocks. 😩 My grandkids will inherit it. I am ordering my certificates as a souvenir. 💎 🙌🏾