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https://t.me/+s7BKDpHR71IwODkx

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.

Ally bank dropping rates again. CD a good choice?

Hi Sharks
I am 25 years old with in hand salary of 1L(just from last month) and i want to buy a term insurance plan. My questions are:
1. Is it wise to take 2 plans of term insurance one with return of 60 years and another without return of 80 years of each 1cr.
2. Is it wise to include health riders in insurance plan to claim for 80d or just chose health insu
3. How much one can ideally shell out for insurance per month (both term and health) for self in terms of percentage of monthly income.

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

I'm a Canadian on the TN visa working in the US and planning on maxing my Roth IRA (6k) and will have enough left to max my 401k this year, but am not sure if I should just use a taxable account over 401k due to tax considerations when I move back to Canada (likely 1-2 years from now). Any thoughts here? I don't think I'll have enough RRSP room to move 401k>IRA>RRSP and I would prefer to not have to file US taxes every year in retirement for withdrawls if I left the 401k in the US.

Hi fishes

I am planning to start investing in a smallcase. I am considering paid managers. Any suggestions on manger and smallcase will be really helpful

Hello,

Can anyone please tell , how to upload the rent receipts for Dec-March ?
Should it left as blank and HRA will be considered?
Or something we need to do from our end.

Doing HRA claim for the first time.

Tax loss harvesting question- I have a few underperforming investments (stocks and ETFs) that I’m looking to offload at a loss. If I sell them I would be incurring a loss of around 3-5k. Contd.

Kina freaking out. I'm applying for a new bar. They asked about credit card balances. I took that as they must mean do you carry over anything because my exact balance changes every day and my credit score once a month so I said 0. They just pulled my credit report and well it's not 0 as it hasn't updated yet. Did I do anything wrong?

Personal finance book recommendations?

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’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

Anyone aware of the best data sources for angel investing? Would love to understand returns but assets, stage, involvement, check size, cap table, etc…

I want to get into Blockchain development and make 200k …how do I do this 🤔

Looking for a great realtor with knowledge of East Austin. Any recs?

I’m an award-winning CD with 20 years experience. I have the opportunity to take over the top spot of a small agency arm of a mid-sized multinational. Looking for salary ranges if you could help pls

Question, which do you prefer Sweet Potato Pie or Chocolate Pecan Pie?

I've been trying to get my foot in the door with TikTok by creating a series of content that has never been seen before.

But it's hard for me to get views because I don't know how to use SEO or social media marketing effectively.

Anyone have suggestions on a team building exercise or consultant/coaching to build/improve energy. I feel 2020 was such a big drain on everyone’s energy and spirit just looking for ways to start the year out on a more positive note. TIA

What should a CW in NYC ask for in terms of salary from pharma?

What’s the going rate for an implementation manager with 4 years of service. Primarily in the PBM world

Hi all
I have an interview scheduled with Deloitte USI for Analyst SCNO Digital Transformations. What kind of questions can I expect in the interview(s)? What salary should I expect?
I am currently working with o9 solutions with ~2 YoE, current CTC- 11.4 LPA
Any information would be very helpful. Thanks!!

Hi!! If anyone here works for Axis, how do your titles work? I’m used to trainee (0-2 YOE), underwriter (2-4), senior underwriter (4+), then avp/executive underwriter.

If the Tara Reade allegations lead to Biden bowing out, does that lead to drafting Cuomo?

What are some common reasons that a COUNTIF formula might not be working correctly? I'm using the correct range and value to count. I'm not seeing "ERROR" but the values aren't correct (it's not counting everything). Thx.

Can someone please refer me for QA automation in selenium +Java role with 4+ years of experience.
Immediate joiner

Why are people not good at ending zoom calls? I feel like I’m always the person who throws in the closing statement (I.e, ok well sounds good is that all? Have a nice day! This was helpful thanks Karyn..looks like we’re at top of the hour already) 🤦🏻‍♀️

Hi sharks,

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

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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)

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Anyone have a recommended tax person in Chicago?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

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?

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

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

What does 401k mean?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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

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?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Any good wedding ring sources aside from Blue Nile?

Best high yield savings products?

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?