Question: I currently have a bit over $3000 worth of VTI ETF shares. Now that I’ve crossed over the $3k mutual fund minimum threshold, will this ETF begin to act as a mutual fund, where I’ll have the ability to DCA at any dollar amount instead of the full cost of the share? Does it automatically convert to VTSAX shares?

All AA flights delayed in LGA

Anyone have a recommended tax person in Chicago?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

I love that my 401k gets $200 in dividends every quarter

Is blockfi only a bank and not really investing in crypto?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

I am investing as a beginner. What is a good company to start a brokerage account with ? Fidelity, Ameri E Trade, ML? I’m looking to put my money in index funds.

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

I donated once to a candidate and now I get 3 messages a day asking for money. I feel like I'm in a relationship and I'm a sugar daddy or something.

We flew back from Ireland today on Delta. Our connecting flight from JFK at 6:10 was cancelled while we were flying over the Atlantic Ocean, and we were rebooked on a 3:40 instead (2.5 hours earlier) but not notified. I received no email, text or app notification of the flight cancellation or the new flight we were placed on, so we missed it. They now cannot get us home tonight and won’t even guarantee they can get us home tomorrow, impacting my work, (cont)…

Has anyone attempted tax loss harvesting on RH? I went long on Brazil and with talk the turmoil there the stock is not going to recover in a while. Can I sell my position and buy a correlated stock?

The market is down. Are you buying anything today?

I have a question on 401k loans. How is the principal repayment reinvested? Monthly? When the loan is fully paid? Do they cash out that portion of my investments or just use then as collateral?

I got laid off and not sure if I should find a place cheaper to live by myself and pay rent with UI for couple of months while studying or go back home where family is and contribute much less than I will be spending living alone to parents for rent. I will be saving a lot. Problem is younger sister who is mentally draining and steals my things, makes nasty comments towards me lives there and her bedroom will be right next to mine. She once got me arrested for no reason. What should I do?

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Both my grandparents died within the last few years (husband/wife) and now the siblings (including my dad) need to divide up the remaining estate. My dad is the oldest and has been the primary caretaker for both of his parents, who lived to their late 80’s/early 90’s and his disabled sister. He also manages an apartment building for the family. Now the youngest brother wants to do a bunch of auditing of accounts and is ready to take my dad to court. I’m like, you had 15+ years to get (cont)

My sister just moved to Dallas and is looking for work. She's a blue collar worker and has previous experience in meat processing plants and house cleaning. Besides Indeed, what other websites can she use to find a job? Any DFW local job postings? TIA Any leads are appreciated.

What's that TV moment of 2022 that will be remembered for a lifetime?

It's the year 2050. What headlines do we have in the news?

Thoughts on personal loans to consolidate Debt?

I take immense comfort in knowing that chances are, I cross paths with some of you daily. Does anyone else notice this? It’s fascinating.

So I work in Learning and Development, and I'm realizing I don't handle social situations well.I have anxiety and switching from fully remote to hybrid is making worse. Anyone else experiencing same?
Considering switching my career, but not sure to what if I'll always have to talk with people

Meal prep ideas - that work for you? - looking for something that is 10 mins of prep time or less during the week, healthy and offers variety (tired of the same 3-4 veges on repeat)! I prefer lots of veges, fish and occasional lean meats

Has anyone else begun to resent data science?

What is ideal package for a project manager with 7+ years of experience in IT firm

I am looking for opportunities as a Scrum Master and Business Analyst. I can play either roles well.
I prefer the product industry.

Hi sharks,

18LPA CTC in India equivalent to how much in US considering all factors??

Trying to study when you’ve been sick for 2 weeks and in and out the hospital is noo fun ... so much to catch up on

Ladies are y’all wearing jackets for your virtual interviewers or is a nice blouse good enough?

Interviewing for Cyber Sec role. At very beginning they ask salary exp. I said usual way to postpone that question, and to figure out their range for role. On final interview and I mentioned 85-95k and they said it’s on the lower end for role…. Did I lowball myself?

Couldn’t get more info about sign on bonus, etc

Where do you get your cheap flights, y'all?

Is citi calling employees to work from office or employees are working from home

First time pregnant about 10weeks. Worried about exposure to Covid. We were at a wedding and most guests came down with Covid. Anyone heard about big risks to pregnancy this early on due to Covid?

Any tips on how to use up gift cards with <$3 on them? I know some stores won’t accept as a payment method. Don’t live in a state that lets you cash out under a certain amount.

Any stores / websites you’ve had luck with? Hate to throw out free money, even if it’s a few bucks

Recommendations for a Roth IRA?

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

Want to buy a house in bay area? Is this a good time? Thoughts?

Book suggestions for new-ish investor - PLEASE. Need to learn the fundamentals

What are the best investment books or authors for beginners? What are the best podcasts, YouTube channels or bloggers to follow? What are your favorite stock trading platforms? And if you finally have six figures cash ready to invest, what's the best place to start? Which broker / financial advisor would you recommend? This is only for 3-5 years to ultimately buy a decent home for my family.

I'm clearly a dummy so any help is greatly appreciated.

Have about $200k in savings. Should i move them to a high yield savings account? Popular direct or UFB direct quoting 3.7-3.8% which is not bad. Any other ways to grow? I already have quite a bit more in index funds so don’t want to buy into more stocks

Has anyone used individual citi wealth management account?

Any feedback on the same?

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

Finally have built up an emergency fund after 2 years of working! I’m looking to move most of it to a high yield savings account (and then start investing, woohoo) but not sure which is the best one or if certain ones have better services etc. I’m looking at Marcus just because it seems to have the best rates right now but any info helps! TIA

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!

If you had $200k cash, would you drop in the stock market or buy an investment property?

Just started my career and looking for advice. Other than putting money into my 401k what opportunities should I be looking at? I live for free so I have a decent amount of money.

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

What would you recommend doing with extra cash after max 401k and IRA? Open a brokerage account and continue to invest in the market or diversify into real estate/small business? Total noob btw...

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?