Two diff questions, but posting together :
1. Anyone still positive about Chinese ETFs long term? They are down significantly but I'm wary
2. IG Bond ETFs - would you invest in the current market for long term hold? Why/why not? Which one do you recommend looking into?

Anyone made the transition from NYC to Austin?

I find myself asking why I am in NYC when everything is so damn expensive. Making good money, but limited on savings and quality of life due to the HCOL. Or recs for other cities for that matter.

Anyone feels like they are earning more, spending more and worrying more?
#financeinsingapore

What is the point of a savings account if year-over-year inflation exceeds the APY rate?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Any advice in terms of investment to save the maximum tax?

What’s a good budget for rent if I’m making 138k + 14k sign on in NYC? I’ve got like 10k in student loans and about 5k in credit cards. No other obligations.

^^^^ Don't you have some offshore money to launder? Sorry for the late reply, I was busy getting paid twice what you make.

Bowl to discuss investment strategies, how and where to invest

Have 1M+ assets at vanguard (some vanguard funds and ETFs). TDAmeritrade offering me about $1800 if I transfer them over and they claim I could do so in kind, so no liquidations. Do it?

Thoughts on Employee Stock Purchase Plans with a 10% discount? Is it worth it given the lock up period and market volatility?

Can anyone explain why the Aston southend is so expensive ? 2.9k for a 1 bedroom?

Just got my offer accepted for a house in San Jose. Shopping for interest rate now:
Should I got for
7ARM - 4.25% interest rate
30 fixed - 4.75 % interest rate

Banker is recommending 7ARM but wanted to get general opinion as well.

Thoughts?

Thoughts on the VC Royal Eagle? Seems crazy undervalued, you can get it for less than a DateJust! What am I missing here?

I’m a first yr in NYC biglaw (2nd yr in Fall) — is 3.2k for one bedroom in BK (think downtown BK, carroll garden, Williamsburg) too much? Always have lived in manhattan so I’m not sure what reasonable rent for one bedroom in BK is.

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Has anyone used Amex Corporate Advantage program? If so, how soon did you get the $150 credit after you opened a personal credit card?

Question if I max out my 401k does that mean my employer won’t contribute since I’ve hit the 19k limit or will they still match.

Is the economy doomed? My stock portfolio and 401k certainly doesn’t stand out like it did 1-2 years back.

‪Does everyone get the same Rolex when they hit a certain point in their careers?‬

I lived in tampa in my early 20s and am now in my late 30s and looking to move back. One of the reason I left is because I felt I had too much energy for the city for a single young professional, but now husband is from there and we have a kid but we are both social people. Do you guys find it easy to meet interesting people and has the city gotten any more fun?

Best way to go about PE / corporate strategy recruiting either for this year (realizing it’s late) or next year?

How's the data science team in Gurgaon? Any insights, anyone?

Has a firm ever just let someone go when an employee presented a job offer to them that they were trying to leverage for more pay?

I'm an introverted person, like to keep to myself, focus on work, spend the rest of my time on family, gym etc. I've been told that I need to work on my communication and client relationship building skills. any books I can read? I don't follow pop. culture anymore, no longer actively follow team sports (but sporty myself) as I consider it bread and circus for the masses and don't rly enjoy work drinks... Am I doomed? Personally I am happy and love the work but fear for my career progression.

Looking to leave Cybersecurity Consulting and join FAANG. My role currently is not the most technical however - more on the cybersecurity strategy and risk side.

Any ideas if what kind of roles I should look at?

Anything would be great!

Anyone know any good divorce lawyers in NYC?
Thanks in advance 🙇🏾‍♀️

Happy to refer for KPMG SG if anyone's interested!

Seeking direction in selecting the most cost effective and fastest route to become an MLS. I have a international STEM BSc (2014), 3 years of research lab experience, 1 year hospital lab experience and 2.5 years veterinary diagnostics experience. I live in Michigan and was told by two schools that my credits have to be less than five years old but I think they are trying to get me to pay more by staying in school for four years. Can anyone offer some guidance? Does my prior exp hold no value?

A colleague told me today that Google separates Product Manager and Product Owner as two separate roles. I believe that one PM role is preferred in the industry and most modern software companies, especially FAANG companies, only have PMs. Just curious what others have experienced and if I'm correct in my assumption.

I'll be joining Axtria after 3 months . Loc is Pune. I've heard that there is no campus in pune . Anyone has any idea how much time will it take to open the office?
I'm happy with wfh 🙂 that's why asking please give inputs if you know anything

Is TCS still postponing/delaying joining date for Lateral joiners? Please provide your inputs. TIA :)

$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?

My wife reads nearly an entire book per day just in her spare time after work, no exaggeration. I’m amazed by her and wondering what ideas are out there to monetize her skill? Book editing maybe?

Any advice for me as I go blindly into searching for a fiduciary to advise me personally?

The next $GME is DOGE.

I need to max out my Roth IRA for 2021 before April. I have the money and opened an account. I just have never done it before and I’m not sure where to put it.

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

New year res is to be involved/learn about investing. Starting point is to find somewhere to park my efund/ savings for house somewhere short term....CD? Mutual Fund? Something else? Working with ~22k

Is ARKK still a good ETF to invest in?

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.

What is the point of a savings account if year-over-year inflation exceeds the APY rate?

Have 1M+ assets at vanguard (some vanguard funds and ETFs). TDAmeritrade offering me about $1800 if I transfer them over and they claim I could do so in kind, so no liquidations. Do it?

Thoughts on Employee Stock Purchase Plans with a 10% discount? Is it worth it given the lock up period and market volatility?

Question if I max out my 401k does that mean my employer won’t contribute since I’ve hit the 19k limit or will they still match.

Is the economy doomed? My stock portfolio and 401k certainly doesn’t stand out like it did 1-2 years back.

27, paid off car, student loans left is $18.5k, investments at $22.3k, trying to go to grad school PT by next summer. employer willing to pay $5.5k/yearly, would take me 2.3ish years to complete, projected price would be $23k after tuition reimbursement. what’s the best way to pay through school, i feel like it doesn’t make sense to put money into a 529 if i plan to withdraw so soon? thoughts were max out my 403B, show an AGI of 70K and get low cost student loans out? does this make sense to do?

What's the play on Bitcoin?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

Currently have excessive savings. Is now a good time to invest in general S&P funds?