Thought on the I bond? Thinking to move some money out of HYSA

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Anyone know if you can cancel your Chase Sapphire Preferred after 3 years and get Chase Reserve and still be eligible for the signup bonus points?

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

Anyone heavily invested in crypto here?

How do you sell the benefits of managed money to your clients?

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

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?

How do I invest in ETHOS?

List the college you went to. When you graduated. How much you pay monthly on student loans and when you think you will be done.

Anyone buck the traditional advice to Max out 401k? I've been making out but see little value in it for me. Who knows what my health will be like when I'm 65

Where is everybody putting their money right now?

I am already close to maxing my 401K, maxed my IRA, and purchased $10k in I-Bond. The remainder of my investing goes into a taxable brokerage account.

Anything else out there I should be considering in this terrible market? I know the I-Bond is the only thing that’s going to make money this year. 😔

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

My portfolio is getting HAMMERED this morning. That is all. Clearly I'm not selling but seeing straight reds is painful.

Got 150k saved up, can I buy anything worthy with this as a down payment at the moment?

With interest rates rising, I Bonds are back in the discussion. Thoughts?

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!

Is there anyone here who understands and / or believes in cryptocurrencies like Bitcoin and Ethereum?

What happens to carry if you move funds? Would your new fund “buy you out” or how should you raise this?

I want to exit to MBB but if that’s not a possibility what are the next best consulting firms? Looking for at least midsize firms (non-boutiques).

Working for MBB was my dream throughout undergrad. I just signed an offer for a role I am excited about at FAANG, but I can’t help but feel twinges of jealousy for people who are getting into MBB with the recent increase in experienced hiring. Please help me 🤦🏻‍♀️

Looking for custom suit options in Boston for a wedding. Preferably with the option to buy / rent since I know some of the wedding party will not want to buy the suits. Thanks in advance

Hello, I am currently in Toronto, and have two year expereince as Development and Operations. With skills in AWS cloud and DevOps, how much salary is appropriate to ask during process? (per hour). Thank you for your consideration.

Yar ek lob mein kitne log kaam karte h? Mere dushman bhi same lob mein h, mere ko us ka samna nahi karna h. Kya karon ?

12/10 Thread (BC):

Partners, At IBM we have Band 8, 9, 10 (AP). If the three banded people were to apply for an opportunity in BIG 4, what levels will they typically be slotted?

KPMG is hiring. Fusion Financials, HCM, SCM, Procurement, Security/GRC, and more. DM for referrals.

Does Deloitte have a list of approved universities for Day 1 CPT? How to get started on the process? Any documentation available on DeloitteNet to review?

Need all opinions I can get. Interviewing at a place, and there are a few flags. (Details in 1st comment)

What's the org structure at Deloitte? Is Assistant Director at EY GDS same as Director at Deloitte India?

Does BofA provide free access to use udemy/pluralsight courses??

Does anyone do short term investing in the stock market (short term meaning 1day - 2 week trades) if so, what has been your best tool for research? Have you found this strategy to be worth it?

How to invest in commodities (e.g. wheat)?

I’m currently in change management and have no experience in supply chain but I’m interested in getting into it. Realistic to transition in? Would CSCP be my best shot?

Could anyone here working at Wells Fargo refer me for the below position.
Job code 67350BR

Technology Systems Operations Engineer

Hyderabad

India.

Anyone buck the traditional advice to Max out 401k? I've been making out but see little value in it for me. Who knows what my health will be like when I'm 65

Where is everybody putting their money right now?

I am already close to maxing my 401K, maxed my IRA, and purchased $10k in I-Bond. The remainder of my investing goes into a taxable brokerage account.

Anything else out there I should be considering in this terrible market? I know the I-Bond is the only thing that’s going to make money this year. 😔

How do folks feel about I bonds right now? They’re earning 9+% at the moment.

Thinking of moving $10,000 out of savings into a Vanguard mutual fund. Any recommendations for allocations? This $10,000 would most likely be used as part of a house down payment in the next 5-6 years

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

Is commercial building a good investment channel? Any insight would be greatly appreciated

Methods to reach a lot of people without the use of ads, suggestions please

Mortgage PITI payment would be about 50% of take home pay, but it fits easily within my budget. We max out 401k, HSA, and backdoor Roth. We also have about 150k in savings in case things get tight and saving an additional 1k per month. Is this still too tight?

I’m originally from Brazil and most of my investments are allocated there.

Brazilian fixed income products are paying 13.25% returns and I’m wondering if it’s a good idea to secure this return in Brazil or if now it’s a good time to build a portfolio with US equities?

(90% of my money is on my Brazilian portfolio)

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Does anyone put money into CDs anymore?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Thoughts on vanguard money market funds to replace HYSA in today’s market?

Anyone have a lawyer or personal finance advisor they trust and recommend in NYC? Post MBA and new to the city; I need to buckle down and finally get a will and outside $ advice on taxes.

My rent is increasing about 10% and the parking is going up even higher. Lease is up in October. Is it too late to look into condos or coops? It’d be right around the same price

Transferring IRA from Vanguard to Fidelity - do I have to liquidate my holdings?

New start coming out of undergrad - other than maxing out 401k contribution to 18.5k in the year, what other low hanging fruit should I get? (I.e. I’ve heard of a Roth ira but not sure what it is)

Pre-approved for a home but the rate lock expired and now we have to re apply. My husband lets me know his credit score dropped 111 points because of credit card utilization. Even if we get it below 30% ( which we can) not sure it will quickly reflect. I also added him as an authorized user on a high limit credit card I have. Any other suggestions besides trading him in lbs