Thoughts on personal loans to consolidate Debt?

Cliche Question: I have 10k in cash ready to invest. My tolerance for risk is high. Anything valued too low your opinion?

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Do you DCA or lump your December & April bonus into ETFs?

My company is not correctly integrated with our financial software and $0 has been coming out of my paycheck the whole year despite electing a contribution amount. They've been taking forever to fix it, not sure what to do now :(

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

I feel like I don’t see the point in dropping a bunch of money into a 401k. I am pretty good at saving money and I want to enjoy my life now. What’s the point of being 67 and having loads of money?

What do I do with my Roth 401k now that I’m leaving? Isn’t there some 5 year rule ?

What apps do you use to purchase coins such as XRP

Moving to Austin end of this year, with a new baby.

With ~$500k HHI and almost no debt, in which neighborhood can we practically afford a house? We do outdoorsy stuff (mtb biking, kayaking etc.) and also have a dog that likes to run.

Any suggestions are appreciated! 🙏🏽🙏🏽

Any folks with H-1B , F-1 visas trade in crypto currency? Are we allowed?

First in my family to go to college, parent is abusive so I have no safety net & had no help. Worked full time all through college & still graduated with 30k in debt. I’ve been paying really aggressively on my private loans since the federal pause and I checked today and I now only owe 2800 in private. Pretty sure I owe 11k in fed & I qualify for the 10k. Honestly trying not to cry from sheer relief.

my s.o. and i have a total salary of 210k and we’re 28/25 respectively. her parents ordered a tesla y for 70k and paid off 45k so far. we live in chicago and they are in iowa so they figured it’ll be better use for us to have the car. we’ll pay off the current loan and pay them back the amount they paid throughout the next 8 years interest free. is this even a good deal for us or are we able to get too much car for our age?

Any good bonuses on credit cards right now? (Jan 2022)

Already have Chase Freedom, Amazon (Chase), US Bank Cash+ Discover, AMEX, Wells Fargo 1.5%, all used for different expenditures to maximize cash back.

Thinking about getting the Wells Fargo 2% and closing the Wells Fargo 1.5%, and any others that overlap in cash back categories but at a lower rate.

How much do you guys buy? Do you put limit orders or each pay check put in a %?

Investing newbie here trying to invest my hsa. Debating if I should do 100% on something like viix for simplicity or if I should diversify? If diversifying, what’s a recommended approach? Perhaps 2-4 funds? Many thanks for the help.

I want to sell my house but there seems to be water damage and I’m worried someone will lowball me, what should I do?

Hello, I’m looking for help filing my tax information for a new job. I’ve been in nyc for close to two decades, and am moving from the city for a new job. I’m wondering what to claim.

When did you buy a home?

I’ll be working near a big market at 85% BigLaw salary. I have student loans to pay off, but considering getting into the market early with a low money down option.

Anyone have any legitimate passive income? I’m talking about something that takes sizeable upfront time investment to get going, but takes <5 hrs a week to maintain.

Got offered a Cartier Santos w/ box at $2350 and was wondering if I should pull the trigger. Only thing is that it’s the Quartz version

NTT or Ericsson if they offer same package...

Hello IBMers,
IBM has offered me X amount ctc and i accepted it on portal....now got to know that market valuation for 10.3 yoe is greater than offered ctc....can i ask HR to increase the ctc and change the band...will they consider it?...not holding any counter offer as of now

it’s disgusting to see in this city how people pay more attention to the dogs homeless people have than the people themselves - it’s dehumanizing and makes me sick when people give a strained smile to the homeless person while patting their pup like come on

Anyone on H1 quit and taken a year off? Planning to transfer to H4, and then start looking after a year. Current H1 is valid for another 2 years. Suggestion/experience welcomed!

Got my H1B last year but haven’t had it stamped. Can I still change my company and then get it stamped? Have filled out DS160 and paid stamping fees already. would appreciate any insight

Hi all!
My mother in law got scammed by a con artist from the UK online and lost $7K (damn you Facebook!)

Her status in the US is currently complicated and she doesn’t have a green card(tho she’s working on it), my wife(her daughter) is American.

I want to report this to the FBI’s elder fraud department but I don’t want to complicate her situation even more.

Does anyone know if criminal stuff like this and immigration related things are separated?

Hello,
I am Interior Designer & Contractor, looking for opportunity to work for Home/Office interior project

Ours is Family owned business, 3 decades of experience and personally 15 years of Experience, working on High End Luxury projects

Hoping to hear good

Thanking you

Hi folks,

Can I switch my role from a Java Developer to a Salesforce dev in the company itself?
Need views on this.

Seeking recommendations for communication coach who does remote sessions.

What did your first year in big law look like?

Started at firm in second week of March and am at 1,700 right now, on pace for 2,000+. M&A 7th year. Who else is this busy? Keep reading M&A down across the board, but not feeling it here…

Obviously love the job security, but am at lockstep bonus firm and pretty sure at this point bonus will be on base scale last year, so kinda bummed about that.

Hello Everyone!

It’s great to be a part of this bowl. I’m working as a Product Manager/Consultant. I’m looking for opportunities abroad(preferably Netherlands, Australia, NZ) for a similar role in any domain.

Thanks in advance!

Tips on writing marketing company that sounds organic and punchy?

I’m relocating to London and would love to hear recommendations on neighborhoods. I am looking for an “urban village” feel (small coffee shops, not very touristy, can walk a dog and stroller) with a budget of 3K for a 1-2 bdr. My commute would be into Soho. I am currently looking at Notting Hill, Chelsea, and St John Woods, but I won’t be able to visit before my move. Any neighborhood recs?

Business Transformation consulting project with a consumer products leader recently ended in NYC and looking for my next role

Curious how many of you live outside of Austin but commute to work within the city? Or if you’re fully remote.

Hello fishes,

How do you engage your team in this pandemic time. Pls share your ideas.

Thanks 😊

How do you motivate yourself to stay in public accounting (B4)?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Anyone have a recommended tax person in Chicago?

Any good wedding ring sources aside from Blue Nile?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informed the gym I would be leaving. However, I recently checked my credit and saw that my membership had not been cancelled and had been sent to collections (prompting an inquiry and dropping my score).

Has anyone experienced this, and is aware of next steps to take here?

Best high yield savings products?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

What does 401k mean?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

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?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?