Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

Can my vacation home be 45 minutes away if it’s at the beach? Or does that look suspicious? I want to get in for 10% down and lower rate than an investment home

Best resources/books on getting personal finance in order?

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

My Last working date at Wipro is 12th of june 2022, So How tax will be calculated for the financial year 2022-2023. My CTC is 8.4L
I will be working only 3 months for this financial year and in April month payslip i can see 6K deducted for tax and in the IT projection it shows around 30k tax deduction gonna happen. I will be joining another Firm in same june month
Please share how tax is calculated in my case and how to save taxes.

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Quoted a 30 year mortgage, 5% down for a ~600k home for 4% interest no points.

Profile: 250k salary, 800 credit score

Is this any good??

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

Huge btc short position in market right now, I expect a lot of liquidity issues to come to light soon. Bitcoin should end up below 30k and stay there as new resistance soon. You all doubt my previous posts but all these bumps to 37-39k are fake bounces from retail buying the dip. Defi is gonna unravel. Do you honestly believe the 10-40% defi interest rates were risk free. It’s all paid by stablecoin printing backed by the assumption that crypto prices would keep appreciating

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Is Monaco a good buy? They’re being Listed on 3 new exchanges in Dec, but down 15pc today!

Is it good to get stocks as part of CTC which has 4 years vesting period?

CTC looks high due to this stocks but effectively i would not be getting it for the 4 years. Also the yearly hike includes this stock component.

CTC had fixed, variable and stock part. Variable and stock is almost 30% of total ctc.

Really confused if this is a good deal or is it a trap.

What salary would you feel comfortable buying a $100k car? Trying to gauge how bad of a decision that would be…

Does anyone think there is long-term viability in Cryptos?

Not sure if this is the right place to post this but who do you all use for financial management/financial advisors? My stuff is getting a little complex with some real estate and retirement accounts.

Anyone else pretty terrible at managing their own finances? I have an embarrassingly little amount of cash saved.

Thoughts on ARK innovation ETF

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

I just joined the bank and was wondering what the deal with the Health Care savings account is. It looks like a flex account rather than an HSA?

Looking to move to Philly. What’s the deal with 160over90. Seems international?

Anyone have suggestions on a team building exercise or consultant/coaching to build/improve energy. I feel 2020 was such a big drain on everyone’s energy and spirit just looking for ways to start the year out on a more positive note. TIA

There are so many holiday parties to attend. Any advice on how to make it to many and still be a functional human by the end of the week?

Facebook

Pros:
- pays very well and has good perks

Cons:
- Sr. VoIP Engineer w/ their head in the sand
- Totally bias management
- Poor content moderation, extremist content, inauthentic engagement, weakening democratic norms, amplifying divisive rhetoric, prolific scams, risk of identity theft... the list goes on and on.

If I can ask a polling type question. I get invited to speak to law groups frequently. What topics would you like to hear about in 2020? Each are CLE accredited. Debt. Business planning. Finance 101?

That feeling when you hit the bed friday, turn off alarms, ignore friends texts and go comatose

I just want to say... moving suuuuuuuuucks

For anyone going temp-to-perm or anyone who already has, did you negotiate anything into your temp contract about revisiting the option for perm? ie, say, in 6 months, discuss perm options? Thanks!!

I’m trying to get an estimated ideal of what my costs would be when moving to Chicago. How much do you spend a month on “going out” (before pandemic)? Specifically referring to going to restaurants, getting drinks, take out, and coffee. Not including transportation.

Is it possible to round a number (say rounding $98 to $100) without losing precision in following calcs? So I only want to round visually and I want the calcs from that cell to remain off the $98 not $100

Is Field of Light at Lady Bird Johnson Wildflower Center worth it?

Can we discuss growth in SAP SD and important areas to focus on!!

In Indian companies if you are selected as SD Consultant are you really doing consulting work or working on only Testing of it?? Please clarify 😊

Has anyone ever submitted themselves to washingtonprobs dating stories on instagram? or reach out to someone on it?

What is the salary range for Senior developer with 5.5 yrs experience?

What sort of pay structure is for Microsoft in London. Technology consulting - solutions architect.

Hey Fishes,
Been working at D India as a Manager (Not USI) for past few months.
Ask me anything as there are very few reviews available online.
To clear few misconceptions
1. Global projects are available here
2. They've started mentioning Bonus, Gratuity amount etc in offer letter
3. Work life balance depends on Project and managers you work with
4. Inside opportunities if you're the creamy layer
5. PF amount in offer letter is the total deduction and not just company's contri

Other can add

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

FIRE - What is your total net worth so far? What's your profile?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

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

What stocks are you guy guys buying right now in this market?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Thoughts on ARK innovation ETF

the more I want something, the harder it is to achieve. anyone has this feeling also?

Any disadvantages to buying VTI (manually) vs. VTSAX (automatically)? Apart from convenience/removing emotional decisions. Fidelity charge $75 to buy any amount of VTSAX. Seems insane fee when you can just buy VTI for free. Am I missing something here?

Are investment properties good for retirement?

Are we on recession? My portfolio is super down - low cost ETF investor here

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?