TLDR: how should I invest 100k right now?
Had a much better than expected and better than I’ve ever done before year last year. All of a sudden I looked at my savings account and I have over 100k in there and don’t know what to do with it. Obviously keeping it there loses me money every day but I find I’m paralyzed about what to do with it! Don’t have any debts I really need to pay down (currently have 2% mortgage rate, and 1% auto loan). Do I just dump it all in the S&P 500? (Cont in comments)

Do I let the JWN $14.5 puts I sold get assigned to me today or buy back and sell puts again for next week?🤔🤔🤔

Guess it's a trade off between capping gains for less risk...

I am sure this is a question with an obvious answer, but does anyone else just feel absolutely trapped in a job they hate because of their student loans? I’m three years out of law school and I still have $160K in student debt despite making aggressive payments. I work in a larger firm (not big law per se, but 250+ attorneys and big for the market). I am pretty unhappy with my job the vast majority of the time, but I feel like I have no options. $160k at 6% and 7% interest cannot be ignored.

Hi,

I was just wondering if anyone has any tips on what to add to a business plan to self source mortgage leads.

Monday Wordle :

Wordle 401 5/6

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Is a 529 account worth it for MBA?

By investing 50k/annum in NPS I can save 15k tax per year.. Suggest me I should opt for NPS or not?

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

Recently closed on a purchase between a land owner group and a NY based builder for 500 lots of of Florida.

We have similar buyers lined and looking for land owners leads.

Any real estate agent/attorneys with leads for land owners and/or builders please feel free to DM.

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.

Can i get a decent 2bhk in HSR layout sector 5 or HSR layout sector 6 under 25k with maintenance?

Or should i go for 1bhk in this budget with this locality?

Thoughts on personal loans to consolidate Debt?

I only have Reg left. I failed it once before. For those who have passed Reg what were some of things you focused on? Also if you have any study tips I would really appreciate it, tax has never come naturally to me.

Who here has moved out of nyc due to covid and subsequently changed their income tax info?

where is the best place to sell or trade in my used car? (2019 van low km’s)

My husband and I are young professionals, with a newborn, looking to buy a home in Los Angeles. I work in Century City. Where are young professionals with families living in LA these days?

Folks that got a prenup. How and where did you get it? We have spoken to a couple of lawyers and it simply seems to be a back and forth they want to do to rack up billable hours/complicate the issue. My SO and I pretty much know what we want. We are doing it mainly to protect my SOs inheritance. Looking for the simplest way to execute this. TIA for any advice.

What is everyone doing w/ their bond allocations w/ rates where they are? Thinking of using FIA for this portion until it settles down a little. Not a big fan of FIA, but might make sense. Chu think?

Tampa lawyers who work downtown: where do you live? Looking to purchase a house soon and am trying to decide between a low commute time (crappier house and a tight move financially) and a longer commute time (nicer house and more comfortable financially). The longer commute time also comes with better public schools, and I want to have kids.

Anyone got fellowship or need based scholarship at M7 schools?

Any insight into the culture and reputation of Vaniam Group?

How is BDO Rise interms of WLB and growth?

How does your company manage (track) all of the documents related to a merger you are working on? Are you using a matter management software, a spreadsheet, shared file, etc? Keeping up with the moving pieces is killing me with just a spreadsheet.

Day of remote interviews at a tech co for in-house. 5 YOE. Planning on wearing a suit. Tie or no tie?

Hi everyone, I work for large startup (300 employees) and I have been asked to develop a Progressive HR manual template. Some examples include gender neutral restrooms, lactation rooms, signing off emails with pronouns, and etc. Any tips/links for resources to help would be appreciated.

I am looking for a job change in IT Audit with 2.3 years of exp with Deloitte USI. Have done B.tech (2014 pass out) and MBA(2019 pass out)and have 2 years prior experience as a Software Engineer.
Anything except EY, PWC and KPMG :3 and also location preference is Delhi/DelhiNCR
I am already on notice period (LWD is 11 Oct) as I have 1 offer but looking for an offer that pays me well and has good growing opportunity.

Just got word that I didn’t get a gig I was excited about for 48 hours. Freelancing is like a drug. High from the email asking your availability. Low if it doesn’t go through.

Any freelance ACD writers want to partner up for projects? People who do only freelance, no full-timers ;)

First year senior, thinking I was underpaid at 94k. Have 9 years experience in technology and web development

Recently closed on a purchase between a land owner group and a NY based builder for 500 lots of of Florida.

We have similar buyers lined and looking for land owners leads.

Any real estate agent/attorneys with leads for land owners and/or builders please feel free to DM.

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.

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

Is the IT infrastructure side of ServiceNow a good niche to focus in? My last 2 consulting projects were relating to APM & CMDB so I’m wondering if I should stick with this

What’s a good exit from FDD that does not travel, less meetings, decent comp & wlb?

Anyone in the New York area going to the Seiko 5 Sports x Worn & Wound 10th Anniversary Limited Edition Launch Party??

Why are the Roman numerals so thick and blobby on the newer Rolex Datejusts?

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.

With rates going up, is now a good time to start a CD ladder?

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Is sending kids to private school worth it? Talking about 25k-30k per year. Living inside city where public school are average. Thinking of sending kid to international school with bilingual program (family speaks multiple languages)…. The money adds up a lot over a lifetime. Especially if we have more than 1 kid.

Anyone know of a swing trading service? Looking to pay for calls/puts direction over weeks- not day trading

Advice & resources? My spouse and I are starting to make good money (ages 28 & 31, $105k & $70k) with $10k in savings (we were hit hard financially this year) and 2 car payments.

We live in a cheap apartment ($1.3k) that is sh*tty. Don’t quite have a down payment (especially not in ATX). Is it dumb to rent a house for a year at $3k/month while we save up again?

We both didn’t come from $ and are figuring out how to not be idiots 🙃 tbh we would prefer to rent forever but that feels dumb???

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

I’d like some independent views please, on a financial decision my wife and I are about to make. We’re looking to buy our first/dream home and the property is valued at $1.25m. We have savings of $250k and our HHI is c$350k, with no debt. We will probably exhaust our savings on the deposit and closing costs. A $1m with mortgage at 6% with property taxes is c$8k/month. We net about $14k, we think it’s just about manageable, however keen to get your views please? More context in comment below.

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

Recommendations for a Roth IRA?

2021 roth ira limit is 7k? Or am I reading it wrong

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

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.

I'm leaving my current job soon to go to a new company. My 401k is in company #1's "target retirement fund" through fidelity, but currently down at least 13% last time i checked (vested balance is a couple thousand $ less than I've invested).
Is it better to just let it sit rather than transferring it to whatever company #2's 401k is? Not sure how to handle it but company #1 said they won't touch it and it's up to me to transfer it if anything

Better to Airbnb out a rental or find a 12month lease tenant?

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

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?

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?