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

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.

Have about $15-20k to invest. Want to mix it up between short term and long term investments. Any ideas or opinions where should i put it?

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

Super risky play: If you have day trades available, I suggest buying 250 3/20 calls at open and selling right around 11:30 when trump speaks. So far every time there is a conference we see a pump.

Interested in starting AirBnB in SoCal.
1. Where do I start for gaining how to knowledge.
2. What’s are the best areas to buy the property for best cash flow and appreciation down the line.

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

What are some of the things to keep in mind when leasing a new car? What are some add-on that can be negotiated on?

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

If you leave J2 and get another (new) J2, does the first J2 show up on new J2 background check? Assuming these are w2 roles. If so, how do you explain that? 🧐

Looks like we’re now back to $100k

Is the mega backdoor Roth looking like it’ll survive into 2022 at this stage?

Hi Friends,

Could some recommend some good pgs around fidelity investments (manyata tech park). I will be starting the office from Dec.

Filing all tax forms for a corporation for the first time. Does anyone use TurboTax for this? Besides y/e tax return what else is needed to file? Quarterly 1040ES? Payroll tax?

Looking for few suggestions for high risk/high return stocks at current level which have potential to double/ triple in next 3-4 years...

37 / 13 years / 215K / PDX

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

Best smartphone manufacturer (non Apple)?

I left an investment bank to join a private equity firm about a month ago. I am now working on a deal that I previously worked on when I was on the sellside (I literally made the entire CIM). Any tips on how to handle this? Is it fine to tell my current firm everything I know about the company?

Hey all,
Im looking to pivot my career from industrial design to product design or product management.
At the moment i manage a team of 5 industrial designers for b2b sustainable fashion and retail interiors. The methodologies and processes are quite similar between physical and digital design so i feel i should not start from a junior position, however my portfolio contains only physical. Did anybody else make a similar career switch? Any advice for switching to product is welcome. Thanks!

Do MBB firms usually give temporary accommodation to look for a place for people relocating from outside?

Anyone have a recommendation for stinky dog breath? Clean bill of health, “perfect teeth” according to the vet. Pup gets VetriScience powder for dental health and still - it reeks.

I’ve heard of water supplements but not sure if they help. Admittedly, could be better about brushing his teeth.

Men’s jeans recs? My pre-COVID jeans no longer fit omg 💀

My mom is mid-50s and has started having what appear to be mini blackouts. Her face contorts like she is laughing or crying, and she is unresponsive for 5-10 seconds. When we ask her what is wrong, she has no idea what we are talking about and no memory of the event.

Any idea what this might be or how to even begin the diagnostics?

I feel so guilty for leaving my firm for industry

When life isn’t even hard and you’re still struggling 😔

Considering boomeranging back to the firm I left last year. What is reasonable to expect for an offer to return?

Is cross validation just about using different combinations of data blocks to test and train different predictive models in order to find the best model?

I really like how the guys in IT industry are helpful to each other.

But, in this cunning world in these times where people merely help each other, why do we (IT Employees) find helping each other ? What is the reason behind?

Is Air India giving refunds on flight cancellation. Till what date can you reschedule flight that got cancelled due to covid? (getting different answers from different sources?

Could anyone shine some light on how to go from consulting to the investment side of PE?

Is there any not very expensive black tie gown shops near Toronto downtown? New to the city and office party has black tie dress code!

Hi Fishes
One of college's son is doing his BE in CSE (computer science) he is looking for internship.
Any body can help.
Please DM to me.

I am finishing up a project and I’m trying to document what I’ve done for my resume. What are some good metrics for someone who mainly created user stories, created dashboards, interacted with the client and developed statistical models? One of my dashboards got deployed to production but it’s to early to see the impact. My other dashboards are almost done but I’m moving on to something else.

Hi all, I joined as a traine in devops engineer 1 yr back. My LPA was 1.2. after 1 yr Now I have a LPA of 3.2.
I have no developer background. I joined just after college at that time. Now I have experience with major devops Technologies. even after 1 year of devops I am still confused if I should follow this way or learn development like my classmates who earnings more than my current LPA in their first year. Please share if you have any suggestions.

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

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

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?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Best high yield savings products?

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 does 401k mean?

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?

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)

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

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 :)

In your opinion which is the best target fund to choose in IRA Roth?

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?

Anyone have a recommended tax person in Chicago?

Anyone ever use a credit repair service and have success?

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.

Paid off my account debt!