Thinking of moving 100% of my 401k from Fidelity Target Fund 2060 to 100% FXAIX. Thoughts?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Do you think there will be another housing bubble burst in the near future due to COVID? Assuming relative job security, would that be an opportune time to invest in Manhattan real estate?

Is there an app where I can see all the list of credit cards and the balance I owe, where the app doesn’t force me to enter bank log in details like mint

What is the general ranking for A-SC firm benefits across commercial management consulting?

Are there any benefits for new joiners in UST? -Lateral Entry
(Eg. wfh setup)
Or any other benefits eg. Internet Allowances?

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

I'm finishing renovations on a 2-story 3 bed / 2 bath apartment two blocks away from Girard Station, 3 blocks from the main strip in Fishtown.

Will be ready by mid-April. Asking $2,200/mo rent. Has an outdoor deck in the rear. DM if interested.

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

Hello! I’m looking for an affordable financial planner based in Boston or available for a remote consultation. I am a professional in their later 20s looking to set up a budgeting plan for myself. Thanks so much!

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Business Owners - what are you doing for health insurance?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

Need 20lakh by next year for down payment have 1.8 L on hand which MF or stocks to invest so that can get 20L by next year and how much per month

Anyone in Vancouver want a Programmer Analyst role doing data conversion from Oracle into WD? UBC is a great employer that pays well for Vancouver / Canada and the work is remote, though you have to be in Canada. 4 weeks vacation and benefits start on day 1

Looking for training courses or similar on linear TV planning & buying. Any resources out there that go a little deeper than the basics?

How much Siemens offer to unity developer with 6-8 years of experience?

Do you tell your boss you’re going through a breakup? I’m phoning it in and obviously going to be camera off for awhile.

Total noob moron here. I cannot figure out kraken. I have eth and bitcoin on coinbase and am trying to buy other currencies. When I click new order the price is blank. I don't get it...thanks

Newbie in investing. Have 50k saved and would like to invest in index. What is the best time (now vs after new year) to do that?

Is it possible to have zero tax with 13.5 lpa with the following tax benfits ?
80C 1.5 lpa , 80 CCD(2) NPS 50k ,
Home loan 2 lpa.

Does TIAA tells whether you were selected or not for any given position?

How is everyone taking time to indulge in Self Care now that most of us are either about to go back to work, or have started back up with students? I’m having mixed feelings of going back on my end and would love to hear how others are feeling too!

Will there be any bonus announcement with regards to Gratitude week similar to what was announced last year as April Bonus? Any chatter around this people.

Hi all,

My boss makes jokes about me being from a different country whenever there is a work meeting or a gathering with coworkers, even though he knows where I am from. This usually occurs when I meet new work-related people or for example if I am in a situation that involves ethnic related subjects.

What is this? This is normal?

Stereotyping?
Racism?

The first time I ignored that, but now it has become a pattern and is bothering me now. I am south-American working in the UK.

How often do you cry at your job? I cry usually one day a week triggered by stress/overwhelm but want to know if this is a typical response

How is stay at home going to be enforced? Can I drive and pick up takeout and curb side shopping?

Skill - SAP S4 Hana SD

Certified Consultant

YOE - 4

CCTC - 10LPA

How much can I expect with switch?

If I decline one FAANG offer for another, Will I get blacklisted at the one I declined??

How do you present at work? Do you present “androgynous” or go with something more cis-passing?

Would an MBA be required to switch from Product Management within LS/biotech to Tech (faang or other b2c)?

Such a Boring session today! 30 mins left. Any drama big movers?

Looking to invest money with a Schwab brokerage to save for a down payment on a home. What ETFs should I invest in?

Is 30k under asking price too low for an offer to be taken seriously?

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Have never invested outside of 401k. Think I may start being able to put ~$500 in the market each month. Where / how do I start?
Happy to provide more details about my situation if its helpful.

Have about 100k in cash, wanted to get into market. Any recommendations on One time buy vs dollar cost average? If DCA, what’s recommended schedule- weekly or monthly?

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

What are the best platforms for investing in startups as a non-accredited investor? (E.g., pursuant to the JOBS Act and CF regulation)

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!

Futures are crashing....with the fed slashing rates, I thought that would have the opposite outcome? I don’t fully understand the impact of that but I thought the market would be positive to that.

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Anyone else think Dave Ramsey is a little full of himself? I applaud the work he does to get people out of debt. But alot of other things he says are not complete accurate and he comes across as smug