Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

I have about $60k in savings, how should I invest?

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

Any downside to holding some funds from my Roth IRA in my vanguard federal money market fund until I can buy the dip? I’ve hit my max contribution limit for 2020 by having a few thousand hanging out in there until I’m ready to buy. I can buy with those funds after 2020 contribution deadline right?

Has everyone really lost faith in LTC? It seems that nobody is talking about it, and it’s not on anyone’s top holdings list (on FB) 🧐

Hi there. Has anyone here invested in a manual car wash? If so, how profitable is it realistically and also what to look for when buying one? Thanks in advance:)

Where do y’all think Ethereum and Cardano will be in a year? I’m hoping former breaks $4,000 and latter breaks $200.

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

I contribute 10% of my paycheck to my employee share purchase plan. Is this smart to do given the tax repercussions behind it? Is it smarter to invest less in that and more in my Roth or 401k?

If my company is deducting tax on reimbursements for example relocation, flight travel, mobile usage, etc. Then how to show in tax filing? bcoz as per my understanding it should not be taxable as I am using my money and company is refunding and no extra income. It's like I have already paid once and while refunding company again deducting. Please guide on this issue.

Was there ever a time you wanted to give up being a real estate agent?

For EESP - which is better share withholding or payroll withholding? Thoughts?

How does pwc’s wealth builder plan work ?

How is the AMEX account in IBM?

I told myself I wasn’t going to do it. Re-assured myself I wasn’t going to do it. Told myself you’d know what would happen and still ended up gambling away a bunch of money I know I couldn’t blow. I don’t understand.

Best performance car options under 60k? Nothing to old or high mileage as it will be a daily driver

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Guys Urgent query.I joined CTS on Nov 2.When is medi Assist activated? Having a medical emergency for my father to do bye pass surgery.Should I wait for the medi Assist or proceed to do with my own money? Estimated Cost -3 Lakhs+. Operation to be done in the next 1 week

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!

Okay so I’m a newly licensed attorney in a very conservative part of TX. I just got my first job offer and I was worried at first thinking that I was in “Trump” territory, but I tested the waters in my interview and spoke about police injustices and how prosecutor’s job is not only to protect victims, but also defendants from police injustices. I have to let them know by tomorrow, but thoughts on if this is a good career move for someone who wants to work in transactional work-RE or Bankruptcy?

Hi Fishes, I would like to know the Designation structure in Infy..which Infy Designation would be the equivalent of Senior Consultant in TCS

Looking for job change Mainframe resources
Exp: 11+
Current location:Pune
Visa : valid H1B unstamped(2.6yrs exhausted)
Notice :90 days
Preferred location: Pune,Nagpur
Any leads will be appreciated,TIA

Anyone know who illustrated the Seamless subway ads?

Hello desi fam...Anyone know wherr/how to get an iptv box in the Chicago area?.... thanks

Successful commercial banking exists?

Any plaintiff’s attorneys on here from St. Louis? I might make the switch over from defense. Curious how much you all are making per year if you’re comfortable sharing. I’m trying to get an idea whether leaving the billable model and stress behind is worth the lower annual salary. Thanks!

Hello Fishes, I'm a UI/UX designer with ten years of experience and hold a GL offer of 25 lakhs. Is it a good company to join? Kindly do reply with job security perspective. 

Hi folks can any tell me today is the joining date till now didn't receive any on boarding mail

Saturday Wordle

Wordle 518 5/6

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Which would you rather? Internal at MBB or client-facing at Big 4/ACN?

What are the chances of Amazon (or FAANG in general) allowing you to apply/interview again for a position that you did not get in the past?

Not having luck finding a relationship or having any guys interested in me for 28 years. Thinking about resorting to plastic surgery to increase my chances of finding somebody

If consumers prefer diversity in ads, wouldn't it make sense to have a more diverse industry? Why does agencies lack diversity?

Hello Guys,
How much appraisal hike you all have got in this cycle?
In my case they provided very less hike of 3% and I have done so much work.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

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.

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Anyone have a recommended tax person in Chicago?

Paid off my account debt!

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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 :)

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.

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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.