Rookie here. Have invested about 8k in VTI. How should I go about it from here...I can choose a bond fund as well but...

Anyone know of a good cross-border US/UK financial fiduciary?

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?

I only have Reg left. I failed it once before. For those who have passed Reg what were some of things you focused on? Also if you have any study tips I would really appreciate it, tax has never come naturally to me.

what you buying?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Just crafted a wonderful email to the client detailing information on how much tax they aren't gonna pay, all I get is "thanks".

I’m 28, debt free, make $70k/yr in a MCOL city and have a net worth of about $140k. I want to buy a house, but most houses in my area are $300k+. How many times my income should I shoot for in terms of house price? Thoughts on paying say 10% down and then just investing the other 10% vs paying 20% down?

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.

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Any REIT ETFs that people like?

How much has stock options changed anyone’s life here? Just started at amazon and I received 1500 shares post split. But obviously the vesting schedule is so long over 4 years and morale certainly will be up and down. I feel I’d be crazy to walk away before then and miss out.

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

Rental property managers in ALX

Hi! I am preparing to rent out my condo in Alexandria (off edsall road) in the spring. Anyone have any tips for first time landlords? I’m planning to work with a rental mgmt company that has 3 properties in my complex. They’ll charge 1 month rent for the marketing and 7.9% mgmt fee. I am moving to a lower COLA and don’t mind paying for the mgmt, but I haven’t found a good cash flow calculator to forecast taxes, etc. Any guidance would be appreciated! Thanks.

Hoping to max out my 401k this year but i think the market could decline in the first half of the year. Anyone else lowering contributions to start the year off then raising it later on? Or are people sticking with time in the market > timing the market?

What are some good modern/post-pandemic personal finance books you can recommend?

My boyfriend has been laid off due to Covid-19 and needs to break his lease (goes until May 2021). Any guidance from this group? He really cannot afford to pay rent as he has no family support

Any investors have insights into what you look for investing in a social media platform? Is this something you do or do not have interest in/why?

Background is development of a social media platform looking for a $100k investment to get off the ground in a great market with tons of opportunity and proof of concept.

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

Hey fellow Fishes,

I am about to embark a new role remotely. It is also a fully remote role as well, love to hear personal success stories of how their onboarding and learning has been in a remote role and any tips/best practices

With all the remote & hybrid roles, what have been some successful strategies to onboard new hires so that they can fully immerse in the company culture & values? What are some practices you have done or experienced from your employer that keeps you (the new hire) engaged?

Any recommendations for good work desks - not planning to splurge (max budget: $200-300 but prefer less than $200). Just need space for my monitor, laptop, and some storage space.

I revised my CTC from JPMC before joining. Now in 1-1 discussion my manager told very nice things about me but also told me that my CTC is already above market standards for my experience and tech stack. He told that they won't be able to justify my pay and gave me SOO. How much is the hike and bonus for SOO rating?

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Don't drink. Need to figure out how to network without making it weird at happy hours.

I have offer letter from salesforce CTC 17.84 lpa, but I don't want to join as a support engineer, are there any companies which can match this offer ?
Please suggest 🙏

Can someone Suggest Template for Ppt's.

I have a presentation to make and I want it to be uniquely different .

Thanks in advance

Hello All,

I am currently working in India in analytics space and have an offer from a consulting company where I will be posted at client location YOE is 12+ and they are offering me 19k AED per month

I am making 37 LPA in India

Is it worth the switch?

Has anyone had an issue with index match and lookups returning NA when trying to manipulate data from a password protected workbook?

What’s the best VDR and why is it datasite?

Experienced hires who have recently joined Big 4, how rough has the transition been?

Anyone works at Salesforce? I so want to be a part of the firm!!

Non-eng... Got past the hiring committee! 🥳 does anyone know the process from now? And how long it typically takes? Thanks !

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

If you were to buy only one, ARKW or ARKK and why?

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Curios to see how you guys log your down payment and remaining loan amount ( home , Auto etc ) in apps tracking net worth ?

Recently put 20% down cash for house which brought down the cash component of net worth but wondering how to balance this . Home equity ?

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?

Alright, who’s going to short GameStop? +80% in intraday trading, +600% as of 2021. Per WSJ - the bull rally is fueled by individual investors encouraging each other to buy the stock.

All of the robo-advisors I’ve seen invest in low cost ETFs. Are there any that invest in individual stocks? It feels like this would be much more effective at tax loss harvesting because it would de-average the holdings within each ETF. I’m going to have large capital gains next year and I’m looking for ways to offset.

How much do you keep in the bank vs brokerage?

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

If I’m right on the cusp of hitting the contribution reductions for a Roth IRA for 2021 (will potentially have a greater than $125k AGI depending on bonus amount, but likely won’t exceed $130k), what should I do? I can fully find the $6k right now to a Roth, fund like $5k and then wait until June when I find out my bonus amount to decide what to do with the rest, or should I just do an IRA->Roth conversion just to be safe?

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 there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Best provider for good rates on used car loan?

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Can the $7k HSA limit be for myself + kids, or does it have to be myself + SO + kids?

Just paid off student debt, have around 7K in savings - any tips on what to do ? Should I save up more till i hit 25-30K (do have a wedding potentially coming up in 2 years) or start dumping all money into stocks and btc? Currently putting 10% to Roth and make 100K pre tax income if that’s any help

Got a hefty joining bonus and the taxes trimmed it almost into half. What did I do wrong? Will I get some of it back when I file next year? Also, anything I should do going forward? I don’t have a tax adviser and have been doing it myself so far