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

With all used vehicles so inflated, Does it make more sense to buy new? I need a car and have a budget of 15 to 20k. Which car would you get and why? No family, single, don't drive much. I like the lexus IS, Camry, etc.

Need some advice on renting here in ATX.

Back in May 2021, I rented a property that had sustained damage during the big snow storm. This wasn't disclosed at lease signing. The home leaked every time it rained, mold was found in the home & the LL failed to make repairs that resulted in me falling down a flight of stairs. I moved out& rented an apt for 2 mos before signing a lease on the house I live in now. This house has a serious big problem& I've found mold here too. Continued below

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

Anyone trade their personal account actively? How successful have you been?

Any tax saving ninja technique??

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

Hey
I have investment in crypto and as per kpmg policies we cant hold it. Can anyone please tell is there any way of holding the same and not getting caught.

How long does it take to make at least $300k per year if you are in-house?

Under current circumstances, fixed rate or adjustable mortgage rate?

Incoming BA - any advice/links on the math for the best credit card for personal use?

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

Dipped my toes in some dumbass hype stock - 60 shares of FMCI, planning to sell within 2 weeks

Renting a car vs buying, which is better in India?

Thoughts on airline stocks? Good time to get in?

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

I just logged in to the Chase app and it’s asking for my income to keep my profile up to date. Is this normal? It says it’s a way for them to consider me for credit limit increases but any reason not to share?

What is the best way to handle group financial consolidation in a multinational company?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

Do you think there will be another housing bubble burst in the near future due to COVID? Assuming relative job security, would that be an opportune time to invest in Manhattan real estate?

Assuming I’m justified in thinking I deserve a higher bonus/salary, who should I talk to about potential raises (HR, management, etc.)? Should I say that I’m considering other options? (Details below)

What is Amazon's dress code at HQ2? In the finance Dept if that matters

My firm recently switched to a time keeping system that monitors everything you do on your computer. I have ADHD and often google random things (I.e. scores of games; actors in movies/shows; news articles; etc.) has anyone had a problem with AI monitoring and/or management getting on you?

What’s the salary range for an operations manager at a startup in TO? Overseeing sales, rev, support, success, and a bit of other company ops stuff. Glassdoor has a big range so I decided to ask here for more insights. Thanks.

Hello!
Hope all is well.
I work in Billing/Revenue Cycle. I want to transition the skills I have to a Analyst/Auditor/Fraud Investigation role. I just completed my Bachelor in Business Administration. I also took a Data Analyst Boot camp, Tableau 1 & 2 about at year ago.
Looking for salary, tips or advice.
Thanks!

Hi Fishes, I have 2.2 yoe in Java, Spring, Springboot, Microservices, Mysql and Ci/CD I have 2 months of notice period please refer my profile if you have any opportunity for the same skillset. Please DM/Comment. TIA

Anyone have had any luck buying a diamond (for an engagement ring) directly from a wholesaler in NYC? If so, which one did you go to and what was that process like?

Hi there,

I am currently working in Capgemini as a SAP PP QM consultant and looking for job change... Can anyone here refer or suggest anything so that it will help me out to find suitable job..

YOE - 6 years
Relevant - 3.5 years
Skill - SAP PP QM

Thanks in advance....

How much equity would you push for if you considered a VP role at a Series C? What if it was $100m valuation vs $1B valuation?

I am wondering which drafting software everyone uses or likes. For years I have used WealthCounsel and more recently ElderCounsel, but I find them too expensive. I also do a good number of Special Needs Trusts as part of my practice. Any advice on a more reasonably priced drafting software?

Hi,
I'm an immediate joiner. I have 3+ yrs experience in AWS, python, docker technologies. Please let me know if there are any open positions or any other leads for AWS Developer. (I haven't been getting any calls from naukri and other job portals.)

What is the band given to people with 13 years of experience in Wipro. And what is the maximum salary range.

Starting Intermittent Fasting meets elimination diet meets 40 days meat+veggie+fruit diet in consultation with a nutritionist + a lifestyle change program.

I'm not used to IF and had coffee with coconut oil this morning. Thought I was going to pass out since I waited until 11 to eat.

Thinking about adjusting starting to eat at 9:30/10 tomorrow instead.

No questions, just this is going to be something new to get used to.

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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.

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?

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?

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.

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

Thoughts on personal loans to consolidate Debt?

Anyone ever use a credit repair service and have success?

Have about 5k to invest - should I do FXAIX or FSKAX?

Anyone have a recommended tax person in Chicago?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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?

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.

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.

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 :)

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??

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)

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?

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.

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