Refinanced my house last month and just got a $5k check for the property tax escrow balance from my old loan. My plan was to use that to put down on the new loan (new lender funded the property tax) but I’m wondering if I should just invest it? My rate interest rate is below 3%. Anything I am missing here? New to this process.

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Is there a home buying group for Seattle area?

What do you guys think would classify as a good savings amount by the age of 30?

Best resources/books on getting personal finance in order?

Priority Pass (through my CSR) cancelled their relationship with the lounge in my home airport all of the sudden. That was a huge benefit of having the card for me. Anything I can do with Chase?

Money Transfer - what's the best way to transfer money from India to the US? I have an NRO/NRE account but the only reservation I have using it is that they don't give a good exchange rate.

Any advice, suggestions and recommendations of other apps that have worked for you? Thanks

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

What are the realistic alternatives to coinbase? Fees seem outrageous.

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?

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Anyone start later in life? About to turn 32 and my retirement savings are sad.

Tough investing market out there!! What are some investment strategies to consider during these times?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Dear Accenture Fishes,
Can someone please help me with a referral? I have identified the job id from Careers portal. Thanks, in advance.

Hey Nurses!!

I’m starting a weekly podcast where I (a nurse) have long form conversations with other nurses. I don’t want the podcast to feel like a formal interview, but I down to earth, comfortable conversation.

I’m looking for 10 nurses who’d like their voice to be heard!

I want to talk about the problems in nursing, the solutions, stories, culture, what you want other nurses to know, everything.

I’d love to talk with ALL TYPES of nurses! Message me if you are interested.

I have 5 YOE in Analytics... always thought I wanted to be a DS, but every job (even the junior ones) required experience in ML development. Though I am part of the ML project, I'm not the person develop the model. And I have a hard time when the interviewer ask about how I develop the model and what hyperparameters I tuned. I know the thought process and stuff but 'I' wasn't the one who did that part in the project. How to convince them that I could do the job without taking credit of others.

Hi,
I will be joining EY GDS Kol consulting on 5th Dec, however, I have a flight on 5th morning and will be landing by 11 a.m.. Just want to know if NHO will be on 5th only? If yes, will it be offline or online and what time does NHO begin?

Got into CCIV super late and then it tanked. Is it likely to recover? Worth holding for the long haul?

I had a sex dream about my senior, but I have a boyfriend. Am I terrible? Has this happen to anyone else?

Anyone else have concerns about flying now (re: side effects of gov’t shutdown: TSA, air control being short-staffed, etc.)?

How hard is Haas to get into?

Have you received the salary today? Got the mail now but no credit yet in account 😕

Any openings for peoplesoft developer in delhi/ncr?

Anyone from Houlihan Lokey who could give a referral?

Hello All,

Looking for opportunity in angular.
Exp: 5.9 Y
Please let me know if anybody can refer.

Which used car is fun to drive, relatively fast, and also has a good looking exterior but under $20k?

If i haven’t signed anything with my firm regarding repaying them for receiving my series 7 license with them I’m assuming i owe nothing if i leave? Is there a way to find out without my manager knowing I’m looking at other firms?

Hi,
I have 5 yoe in Java with 5.65 lpa.
How much hike i can expect .
I got a call from a recruiter and I said my expected CTC is 14 lpa, she said according to the current market, they can provide max 30-40% hike
How much I can expect according to the current trend .

Hi all, I'm trying to break into sales coming from a technical background. It's been very difficult as a lot of recruiters only see the technical aspects of my previous role, even though I've added in some sales aspects from those roles. Any advice on how to break past the initial view of my resume/past technical experiences to get interviews?

What’s a reasonable amount to coinvest in a PEs fund? ~$300k nw

Leaving firm and thinking about what to do with my 401k. Any reason not to roll it over to my own IRA vs leaving as is or moving to new company 401k?

Planning on buying my 1st home. I'm looking at homes using a RedFin realtor. They recommended I get an Underwritten Preapproval. I don't trust the lenders they recommend. Any suggestions for lenders?

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

Owning real estate is overrated, I’d rather rent all my life. Change my mind.

Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

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.

So should I just not be paying my student loans now? If dems win this senate runoff loans would for sure be canceled to an extent? I want to use this period of interest free payments but also don’t want to pay if I don’t have to..

If I have a six year old and 150k in a 529, can I say I’m done?

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

Ally bank dropping rates again. CD a good choice?

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

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

Been looking forward to the stock market to come back to earth for a long time. What should I buy

Is VWINX a good fund to buy ?

When investing in a Vanguard Roth IRA, can you only invest into the Fed Money Market Fund (VMFXX) which is default? Or can you select other funds such as S&P (VOO)?

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.

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....