Refi student loans now to 2.33% 5 yr variable? Will rates go down further this week/next? Talking about $144k that’s currently at 4.71% 10 yr fixed.

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Best high yield savings products?

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

New to the country. I need to fill the W-4 tax form and I don't know if I am eligible to any tax credits. Do I have the opportunity to change this later?

I grew up poor and was obsessed w financial security. After investing my blood, sweat and tears into my career for years, I’ve decided I don’t care about my career or earnings as long as I have enough to support my family. We are happier than ever making less and saving little. I wasn’t there when my mom was sick and died because I was working and my employer didn’t allow me to be in a mental headspace to be a good person for my family. I can never change that but I can be better going forward.

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)

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

Damn coinbase, I see you ;)

If you could go back in time what would you tell yourself before taking out student loans?

Coworker got fired because they stole my clients! We have a policy stating that the realtor who initiated the contact should be the one closing the deal to give them a fair chance. I feel bad but they should have read the policy...

What’s the point of income thresholds for IRA Roth contributions if you can just back door into it when you make too much? You can still contribute $6k either way right?

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

Anyone know of any agencies focused on cause marketing / social good in NYC? Feeling the need to use my powers for good but have too much student loan debt to go back to nonprofits.

How can I lower my taxes? I feel like I pay a LOT (30%+) but don’t get many benefits in return.
Single with no kids

Looking to buy a practice in the St. Louis, MO area if an advisor is ready to consider retirement, could transition over 1-3 years as desired.

Best place to put money after an HYSA? Ideally saving for a house in 7ish years. Currently contribute to 401k, maxed my Roth IRA. Looking at Sofi bank CD’s at 4.65% yield (6 month). Is brokerage invested in ETFs/Mutual Funds next step? TIA

Anyone having experience with National Bank as a TFSA account or trading account ?
Thinking to open account in it as it offers free commission trading on stocks, ETF

What is the best-kept secret among realtors?

Hello everyone,
Please help me with 11 likes, so that I can communicate for refferal.

Thanks!

I received my PR and want to start looking for jobs in Canada. Don’t want to transition to current company’s Canadian office as I have burnt bridges here. US Mid tier MBA + 2 years in Consulting contd

What have you found to be some of the keys to scaling succesfully, either in a business or a product or dept?

I’m a product designer and have an interview with a lead product engineer for a startup. What type of things do they want to know?

I am joining on 2 November but haven’t received any onboarding details. Do I need to follow up with the HR.

Accepted an offer with BCG! Looking forward to the transition next month. Will be in BCG Federal. Anyone in this bowl also in federal?

Hello guys,

Anyone here working on SAP Ariba/ SAP Concur?

Need information and help for the same. :)

Whats the appraisal cycle period at lti and is there any mid year hike happening in 2022.

Also when do we get the bonus amount? And is it in whole or bifurcation happens ?

Am currently offered with 19 LPA fixed and 10% for 6 YOE, joining on Monday.
PWC is offering same with 2 lakh JB and 20% variable...but PWC offer is not released yet...how can I negotiate with EY without offer...just want same compensation as PWC with JB is enough? Will EY ask for offer letter if I ask to match PWC offer?

For all in house creatives and creative directors. How big is your team and what is the structure / org chart like?

Are investment bankers getting bonuses this year? How were they affected by the pandemic?

Does gsap help you get into a top program?

Hello fish, I’m wanting to move from London to Singapore at Manager level in operating model design. Anybody have any recommendations of companies (aside Big4) that are sponsoring visas at the moment, or good international recruitment agencies? Seems highly network driven from what I’ve seen.

HCl tech takes how many days to release offer letter after approving asked CTC?
Also do they change base location post offer letter release?
My HR said first take offer letter and then request for location cahnge.
Pls guide.

Does Walmart offer performance based RSUs apart from the one included in salary package?

FRM average salary through uhaul

Does anyone feel like going into internal audit has pigeonholed them in IA? Trying to decide to leave public for IA but I would like the option to go back to an accounting role if I want.

Maybe this is the socialist in me but shouldn’t Moderna and Pfizer waive their patent exclusivity for their Covid vaccines? Don’t we have a moral obligation for the world to vaccinate as many people as quickly as possible?

It blows my mind that many countries won’t be able to vaccinate most of their people until 2023. There should be access to vaccine generics

Anybody planning on FIRE in the next 5 years? I’m nowhere close but curious if you changed your lifestyle to prepare for it?

Is moving to a HCOL city a bad move financially? If my fiancé and I are making $70k+ in our LCOC market we’d expect an increase in salary to move. Does it even out over time? Is buying property in a HCOL city better than in a LCOL city?

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

Anyone looking to buy a home in Austin?

HYSA anyone recommends?

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

And the stock market is down ⬇️⬇️⬇️ where is the 🩸going to stop?

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

How did you go about starting your investment rental portfolio? Single Family Homes? Multi-Family / Duplex+? Any and all advice appreciated!

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Currently have 35k in 401k and 22k in Roth with Vanguard through previous employer. New employer uses principal. Should I transfer my Vanguard funds to principal? Thinking of taking loan out cont.

So a lot of hate towards Whole Life Insurance, could someone please explain why they are so bad? Thanks

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Can anyone invest in Roth IRA asking with 401k or is there a limit based on salary? I was told if you are making above X, you can't invest in Roth IRA. If this is true what's is X amount?

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

Auto rebalance (every 90 days) or manually rebalance as needed? I'd rather be more passive but willing to do it myself to save money. Btw if anyone ACN knows rebalance cost structure, please share.

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

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)

What’s the point of income thresholds for IRA Roth contributions if you can just back door into it when you make too much? You can still contribute $6k either way right?