Since the fed rate is now zero.. What does thst mean for mortgage rates and savings rates? They gonna plummet to nearly 0%?

Hi folks,
I have a question related to PF online account. If we move to a company that has PF trust, can we see the PF gathered from that company in the EPFO portal?
Can some one help me understand this?
Thanks in advance.

Anyone here trade options?

Want to trade in my 2014 X3 for a Porsche Macan S, lease or purchase? What’s the maintanence costs of Macan looks like?

I'm late 30s, in industry now with TC of ~$175k (up from $35k fresh out of undergrad), a kid with another on the way, a mortgage, and car loans. AMA!

Yes, this is tongue in cheek 😀

Anybody have experience with PenFed for a VA loan? Came up in a search and their rates are extremely competitive. Any reason I shouldn't take the lowest bidder?

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Hi! I’m finally closing my HSBC accounts (terrible customer experience and bad app). Just signed up with Chase for my checking. What would people recommend for a general savings account (for my rainy day fund to sit)? After 401k contributions I just put everything into Betterment. Is this a good plan? Recommendations/ advice appreciated.

Rental car third party liability insurance: My credit card covers car insurance, but not third party liability insurance, so I generally get that from the car rental company at about $20 a day. Is there a cheaper way to do it? Recommendations?

Could someone recommend a good accountant

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Looking to put $5K in the market. Which ones would you buy? Lululemon, delta airlines, Peleton, docusign, Zoom, etsy. Any that I’ve missed and should consider? Already have MSFT, BRKB, NVDA, BABA and multiple broad ETFs

Someone talk me out of buying the C8 Corvette 😭 I make >$200k and am early twenties FWIW

Anyone familiar with nanny taxes?
We've always just paid cash to our previous nannies and our new one is requesting to be paid via a W-2.
That will force us to pay additional 7.5% in FICA as employers.

Can we pay her on a 1099? How does that work and do we have to contribute anything ourself if we do similar to W2?

Please keep unhelpful judgments to a minimum regarding us trying to pay cash

Any twin toddler parents? I have twins (2 years old) and i am unable to figure how i would get them into college. With the current tuition costs and living expenses of attending college, i feel i can either buy a house or get them education. Any advice on how to plan savings?

Dm me for wealthsimple cash, wealthsimple trade, or rakuten referral codes. Literally been on rakuten 2 weeks and made over 20$ for nothing. And while I’m here, any other good money makers?

There has been a significant flow of investors to higher yielding corporate and emerging market securities.

Is direct lending/private credit technically buy side?

Wanted to consolidate crypto in one wallet, coinbase pro. When I want to transfer BTC and ETH from Binance which network should I use? Options are BEP2, BEP20, BTC, ERC20.

I’m looking to have my CV done professionally. Can anyone recommend any good professional cv writer?

I feel choked thinking about my problems and stress. I am always someone who will smile and fight through the pain. But I don’t know what my purpose? I want to earn s much money but where do you even start from? I’m sorry if I’m rambling. I didn’t know where to go and what to say!

Is it true that KPMG has the biggest FDD practice because their audit clients are so small that there's hardly any independence issue with bigger clients?

Fishbowlers. I got a bad performance review. I need to knock my next one out of the park. Open to any suggestions. S1 in month 6 of starting. I need to get quicker and be able to be a ‘lead senior’. How can I make a manager and directors life easier?

How much % raise they usually offer for the one getting promoted from 601 —> 602?

Also, how much % raise one can ask for?

Anyone who received scholarships?

Regarding purchasing coins is it better to swap BTC/Coin or BTC-> USDT ->Coin

HR is scheduling the interviews without checking time with me. One interview was scheduled and then it was rescheduled to a different time at last minute. I wasn't available at that time so I mailed the HR for a different slot. They again scheduled it for a later date without checking the time with me.

What is average salary appraisal percentage in Nagarro?
For:
1. Exceeds expectations
2. Meets expectations
3. Below expectations

I left my job a month ago & my 401k match never vested, but is still in sitting in my account. Is there anything I need to do or will my old company take it out on their own? They never mentioned anything when I left. TIA!

Is there a difference in value between pursuing an MBA at an accredited, but not ivy, and a certification (business analytics or CIA)?

Does one provide more value than the other? I've heard the MBA's shine is dimming and don't want to waste time if a certificate can do the same for me.

Wells Fargo merger news. What’s it mean?

How do you handle rude clinicians in the workplace? I always have an attending talking down to me.

Hi Optum fishes. When does Optum send laptop if joining date is on 25th Jul? Also, how is joining process for 6yoe folks in Optum,

Looking for any leads for junior writers but seems nobody is looking. I've reached out to recruiters and search every day. Anyone hear of anything?

Do you like Angular or MVC with Razor HTML & Why ?

How far did CFA take you? Is it respected within IB? Would love to know if it was worth it for everyone

Thoughts on staking crypto? What’s the safest way.

One, two, three and to the four. Snoop doggy Dogg and Dr. is at the door

Do you count your car as part of your NW on Mint/other trackers?

I think I need Ex bankers as friend and accountants. I need people who we can discuss deals in the swift world with from time to time. I need people with great ideas in my life

I finally at a place where I could buy groceries without checking the prices. In the past I wouldn't buy something I so desired if it's a bit pricy.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

I left my job a month ago & my 401k match never vested, but is still in sitting in my account. Is there anything I need to do or will my old company take it out on their own? They never mentioned anything when I left. TIA!

Thoughts on staking crypto? What’s the safest way.

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Can I do 1031 exchange with the profits from the sale of a second home into the purchase of a primary?

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

Why does TD have two trading apps and which one is better? Currently downloading thinkorswim

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

What do you estimate to be your personal functional inflation experienced over the last year?

I know the fed says 8.6%, but that number is averaged over many products normal people don’t frequently interact with.

I’d rough estimate something closer to 25% cost of living inflation over the last year for myself.

Put an extra $500 a month to our mortgage principle,’or invest that into an index fund in a brokerage account? Mortgage rate is 3.875%

At what investment size should you typically start using fee only financial advisors?

Any suggestions for joint investment account with a significant other?

Has anyone bought a house in pre foreclosure for investments? How do you assume possession of their loan? Do you have to go to the bank and qualify for it or just sign? Also, is there a way to see how much in fees and backed mortgage they owe?

Where online can you invest in rental properties/real estate as a non-accredited investor?