Pre-approved for a home but the rate lock expired and now we have to re apply. My husband lets me know his credit score dropped 111 points because of credit card utilization. Even if we get it below 30% ( which we can) not sure it will quickly reflect. I also added him as an authorized user on a high limit credit card I have. Any other suggestions besides trading him in lbs

I don’t get why even the most reputable financial news still try to attribute market moves to people. It’s not individual investors who are in control of day-to-day moves anymore, it’s algorithms.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Looking to travel to California, Which cities have lesser covid-19 restrictions?

Anyone know the rough price of WiFi on American Airlines flights

Top passive aggressive comments you’ve seen or received via e-mail? I’ll go first.

“Let me know if you want me to clarify any points”

Translation: I feel I’ve been clear in my email but as a formality, I’ll offer to hold your hand and explain in unnecessary detail 😂

Taking a poll here: How much was the total cost of your wedding, wedding size, location, and year you were married? I just got engaged and would like some data points for this 😬

Thoughts on more aggressively paying down mortgage vs investing? I don’t have any real debt outside my mortgage & currently have 180k in my 401k, insurance policy & invest in a 529 for my daughter’s

Is now the best time to get a deal on a new smart TV, or given the looming 2023 recession, are prices bound to dip even further next year?

Visa case interview coming up. Any tips? Should I expect a standard case or will it be geared towards payments?

Lots of talk about CohnReznick on here lately… let’s address a few points.

1) Yes, our salaries are in line with B4. Happy to discuss specifics with the skeptics.
2) We are one of the few firms still actively hiring people without FDD experience.
3) Our WLB is miles better than B4.
4) Yes, we are paying strong referral bonuses because our practice has literally doubled in the past year.
5) All of the above is due to a strong pipeline and significant growth within the practice.

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.

People at EY not use the corporate card? The expense system is horrible. But might not be worth using my Marriott card...

Anyone buying in the $TSLA dip?
Also what stocks are you buying on Monday?
Is it worth it to put more money in $DOGE as it’s dipping?

Any insight into TCS M&A group? They reached out offering $200k for an M&A specialist role and would be a significant jump from my current salary. Unsure what they do in M&A space since they focus largely on delivery vs strategy

Off the topic.
Koi help kar sakte to get rent house near Manikonda/7 Tombs.
Budget: 13k

So about that Google lawsuit...

How does your agency use data? Is it only used for tracking and reporting? Is it used for setting strategy and informing creative? For business consulting? Thanks!

What is the pay range for junior roles in pharma/biotech BD (e.g. manager, associate)?

Pro Tip:
Make it SOP to have a debrief session calendared directly after major meetings, can be 10 mins

Everything the senior managers told me about working in industry...same thing every month, boring, slow....all way off. Find a good company and don’t believe that talk. So much happier

Does anyone have any thoughts on the University Club? Pros/Cons

I can’t sleep, and I’m very upset about it

Entry level healthcare administration positions available in the south Florida area for a recent college graduate?

Has anyone bombed the technical portion of an interview but still got accepted? If so, can you maybe explain your experience?

Can we use Google for reference in Nagarro coding test?Is webcam on during test?

I have a few interviews lined-up and wondering if it’s unprofessional to wear my nose ring on an interview? What are your thoughts?

Which is best of the 3 in NYC: W on Lex, Hotel Americano, Sheraton TriBeCa

Which groups within TAS do the most interesting work ?

What’s your most controversial opinion?

As a US resident, (how) can you buy stocks on international exchanges (like Hong Kong, Bombay)?

If you are planning to buy a house soon, here's a great way you can save taxes.

When you usually sell your shares, it attracts taxes. You either pay STCG for less than 1 year or LTCG for 1 year or above. Even if you sell your existing property, you would have to pay taxes on the capital gains.

But, if you have plans to buy a house, use the Capital Gains Account Scheme (CGAS) to save taxes.

How does CGAS work?

Let's say you bought a few shares in 2017 and want to sell them in 2022.

Contd…

Noob question: I exited an ETF position on TDA however the funds aren’t available for me to plough back in. Any suggestions on how long it takes for a trade to settle?

My parents have a few hundred thousand in capital losses. How do we make the most out of this from a tax perspective?

Does anyone put money into CDs anymore?

I don’t get why even the most reputable financial news still try to attribute market moves to people. It’s not individual investors who are in control of day-to-day moves anymore, it’s algorithms.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Thoughts on more aggressively paying down mortgage vs investing? I don’t have any real debt outside my mortgage & currently have 180k in my 401k, insurance policy & invest in a 529 for my daughter’s

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.

How often do you convert your after tax 401k contributions as part of the mega backdoor?

I have a 401k from my previous employer in Meryl Lynch. Current 401k is in fidelity. I would like to know if it’s easier to roll over ex employer contributions to fidelity (or) open an independent IRA account. I don’t intend to withdraw money from or take a loan on 401ks

I’m originally from Brazil and most of my investments are allocated there.

Brazilian fixed income products are paying 13.25% returns and I’m wondering if it’s a good idea to secure this return in Brazil or if now it’s a good time to build a portfolio with US equities?

(90% of my money is on my Brazilian portfolio)

What applications do you use to view all of your investments in one place if you have multiple brokers / brokerage accounts?

I am looking for a financial advisor preferably in SF south bay area. Looking to start small ~15K. Any recommendations?

Thoughts on investing in DISney ? Better to go in as a stock or via ETF exposure?

Live in SoCal with a combined household income of 210k. What is a reasonable amount to spend on a house?

I have a lot of exposure to big tech and sp500 across my brokerage account and retirement accounts. I recently opened a Roth IRA and have 6k in it to invest. I know the default strategy is to invest in a fund that tracks sp500 but I do that everywhere else regularly. Is there anything else like VYM you recommend? I’m targeting dividend growth ones since it’s a Roth IRA ..

My husband and I want to buy a condo in Chicago in a year. We are close to having a down payment plus closing and emergency funds in a HYSA but are still a 8 months to a year away from buying. I feel like we are losing money by keeping it in cash but it is the safest option. Is that true?

PwC fish: how can I do an in-service transfer of my after-tax 401k contributions to my Roth IRA? I was planning to roll them over after I leave the firm but saw in other thread that we allow in-servic