We are buying out our car lease in May. Any tips/advice for financing a car? How much to put down? Terms? Credit score? Thanks!

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

I am curious how Onesource Income tax stacks up against it's competition.

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.

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

Is there any way to get around the coinbase fee when buying crypto?

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

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.

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

How can I invest in real estate ? Looking for an additional passive income source

What are some good modern/post-pandemic personal finance books you can recommend?

If I were to invest $1000 today, would ADA be a good place to spend the money? Heard great things about it, but interested in knowing if this is the right time or if I’m late.

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

My firm doesn’t match my 401k — still worth opting in?

Are your clients still all excited about Snapchat even though the cost is quite high and the metrics are only marginally better than last year??

How to manage an employee who always makes excuses for his/her mistakes?

Hey, I'm looking referral for a Junior UI/UX role.
Please help guys.
Thank you

Just signed onto a less hectic project simply bc it allows me to continue my job search. Am I terrible?

If I skipped the outbound leg of a r/t, but want to take the return and have a boarding pass on my phone, does that mean I slipped by? It was a weird booking with chase points on 2 codeshare airlines

What salary to expect with TCS HR for 2.9 YOE in plsql development.
CCTC-3.2LPA
Offer in hand-6.3LPA

Hi fishes,
As an employee of TCS, can we avail any comprehensive/full lab tests/ health checkup tests in Hyderabad.?
While I'm checking on Medibuddy, there's an "amount to pay" displayed on each of the tests.

Hi all, Required documents were submitted as HR asked, How long will it take him to release the official offer letter.
I got shortlisted mail and i have submitted all the documents asked.
YOE - 3.5yrs.
making a switch for first time, can someone share their knowledge on this.
new company shortlisted for is COMCAST INDIA

After how many days the Date of exit gets updated in the UAN portal after the LWD in TCS.
I have received my final payment after 10 days of my last working day.
Because after Date of exit is updated only we can start the PF transfer process right?

What tech staffing agencies have you had the most success with? I feel like they can be a hit or miss but I do enjoy being a contractor.

What are some transferrable skills in SaaS tech support? I feel specialised in product(s) but trying to see how I can leverage my skills and grow out

What’s the most unprofessional thing you’ve seen in a deposition recently?

Staying at the Ritz and STR in the Maldives so expecting good service and reading mixed things about tipping. I usually don’t tip much at hotels (never really thought about it) but what do people do? Is there an expectation and would the amount be based on like room rate or just a flat daily per day?

I am looking for someone or company , creative, challenging, moving forward with innovation. I am fullstack web developer, have more than 6 years of experience. I am very intrinsic and motivated and get involved into something what i like. what is motivate me most, this is something creative and non repeatable thing.

here is my skill

framwork: Laravel. wordpress, Mern stack, Mean stack based on node.js

programming language::javascript, php, css, html, python

CMS::WordPress, Shopify, Dupal

Why do some muslim men think that career women in their 30s become desperate and will significantly lower their standards? Someone with 3 kids that’s been divorced twice and isn’t even practicing just told my friend he’ll do her the favor of giving her children. The arrogance is mind boggling

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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?

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)

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?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Any good wedding ring sources aside from Blue Nile?

Google stock to buy now or after the split?

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?

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

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

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Paid off my account debt!

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

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

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 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.