Very very new to investing and recently liberated from reporting requirements. Any tips on where to start? ETFs? Mutual fund? Individual stocks? Any recs (or even helpful books!) would be great!

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

When selling a home have been able to negotiate lower commission with your broker if the buyer is not represented by a realtor (eg, 3% in this situation versus still paying the full 6%)?

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?

Anyone have a good tax person in Philly

So spent the last 30 hours working through this trying to books with points. Still nada. Anybody else have luck?

I may lose a job opportunity because of my credit history - what can I do?

Started in *May* - Prior to signing everything, I expressed concern to the recruiter about the credit check. Honestly, it’s not great but it’s not terrible. The recruiter told me many times to not sweat it because it the background check was the main thing. And that we could talk through anything on the credit report. Now HR is telling me they may rescind the offer pending review. I’m crushed. What can I do?

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

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

Can I pay my mortgage with a Bilt card to earn their rewards?

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

Does anyone have a personal success story as an angel investment?

Can anyone recommend a good fixed income investment that I can add to my ROTH IRA account?

$DPZ 370c 3/27

FYI If your name doesn’t match exactly you can’t combine.

And when I called SPG they said the account maintenance wasn’t ready so to call back

I have been practicing in creditors rights/foreclosure in PA & NJ for around 4.5 years. Due to the foreclosure/eviction moratoriums there is no work to do and I was furloughed. I am looking to change directions- what is the most logical next move?

Can I negotiate with infosys if I receive higher compensation package from another organization after infosys
Also I m getting lead consultant- infrastructure management role.

What is infrastructure management here.

Which place to visit in Thailand that is quiet, beautiful, and has serene beaches? Not looking for a party scene, plan to read and listen to waves and swim. Thanks!

Have McK phone case coming up, has anyone had feedback on why you haven’t passed? Looking to avoid missteps.

Noticing a culture shift since the Kohlberg deal. Have other fish noticed this when a PE firm gets involved?

QS Filled the last daily gap - may be a good entry technically.

Will try to post some charts tonight.

Hi all! I am trying to land my first entry level tech job as either a Business Analyst or Data Analyst. What are your thoughts on Google’s Data Analytics Certification? Would this be enough to get my foot in the door?

Any update on promotion??

SIL and BIL told us excitedly last weekend that she was pregnant (had literally just found out, so barely four weeks). This week she tells us she’s not pregnant anymore :(. They did not seem super torn up about it and were very practical about it. We said how sorry we were, etc etc. should I do anything else? Should I not mention it again unless they do?

Got offer letter with flexible component in KGS..how does that work..how would I know the components which will be a part of it..also do we need to submit monthly proofs for the reimbursement/allowances or at year end

Hi everyone,
I have been shortlisted for a commercial banking operation profile interview. Can anyone help me about this profile and what questions I can expect?

Hi Fishes,
I am new to EY. What is EY GDS promotion policy in general?
Where can we get those details to check the required and expected things to go the next level?
How many levels in Staff? What is the min YOE is required to be a Senior?
How many months/years minimum we need to spend to be eligible for promotion (ex: minimum 1 year a person need to spend on one grade like that)

How many 'Gold Standard' you get on an average from a feedback provider.
For me avg 2.

Got terrible feedback from COO after CD & I built a system into a project. We only asked for proofreading and the COO tells us his suggestions are easy but they break the entire system. Any advice?

I am moving to Bangalore the next weekend, by 17th July. Seems there is a slight increase in covid cases, would it be better to come now or should I ask my manager to come to office after some weeks once everything seems fine?

Welcome to the bowl for job referrals in Canada! Let's explore and help each other out in the corporate world. Good people know good people after all!! 😊

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Is it still worth buying Tesla stock? Especially after rising so much since year start?

I bought SQ at 10. (3k)
SHOP at 29 (1.5k)

Unfortunately sold the first at 23 and the second at 70.

C’est la vie

Many people shared an advice on investing after contributing to max 401k, IRA, HSA. After paying off debt, invest the extra money.

I want to know when do you think is the time to stop contributing to HSA? We have insurances that can take care of majority of expenses. I am 31, married, with no kids yet, no major health issues.

Any great personal finance/investment books to read? Or even YouTubers/Podcasters

Really looking into expanding my investment horizons — particularly about learning about how to allocate my investment portfolio. Also, always nice to learn about better ways to save and cutback.

Will markets jump upwards the day Putin dies?

How would you sell ETFs in retirement since there is no average cost option for etfs?

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

Anyone else long on AMT?

Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?

Reposting/

Has anyone tried a financial/wealth advisor? Would be great to hear your recommendations and experiences if you have :)
Context: I’ve tried to manage my money on my own over the last 2 years but don’t have enough time or headspace atm to figure out the best possible way to manage my savings.

Morning ! Just setup a coinbase pro account yesterday but I got the trading prohibited message . Does anyone know whats going on?

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

Tax loss harvesting question- I have a few underperforming investments (stocks and ETFs) that I’m looking to offload at a loss. If I sell them I would be incurring a loss of around 3-5k. Contd.

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

How do you start searching for mortgage loans and what do you look into lender