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

My wife wants to move out of state. I'm in my 6th year...500 clients and finally starting to make some money. How bad of an idea is it to sell my book and buy a book in a new state?

This is a little embarrassing… I don’t know anything about investing. I come from a low income / immigrant background and never received financial education. Just recently learned the difference between an TR and Roth IRA 😓 I have started to contribute $$ in my 401K. I am 27 and only have like $15K in my Vanguard account feel like I am so behind. Can someone recommend good resource/advise to learn the basics?

What are everyone's thoughts on making the Monthly Child Tax Credit permanent? I think it is an important step to care for the families in our area, but I know not everyone believes in this program

Anyone else seeing the run old gold and hype around it similar to the bitcoin hype at its peak?

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

What credit card do you use?

Inflation check @9% 🫡

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

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

$DPZ 370c 3/27

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

Do you get membership points by using the corporate Amex? Can you link your corporate Amex to your personal account and use the points?

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

2nd year assoc. here. Finding myself spending 3-5 hours researching/analyzing issues that should only take 1-3 hours. I find myself questioning - for every assignment - is this the issue I was asked to look into? Did I read that case right? Does this analysis make sense? And I end up reading the same cases over and over. Does anyone have advice for being more confident/efficient on tasks, especially research?

Hi Fishes
What does designation lead rep quant analysis means.

Can someone refer for PWC, Deloitte, or KPMG for any tax opportunities, I have about 2 years experience in Individual tax. Didn’t mention EY because they don’t have an office by me. Thanks in Advance!

Hi sharks,
Bowl seems so silent. Can we keep it interactive? Please suggest.

Joe Biden is done. Do the Democrats seriously not have a single candidate they can run that can actually beat Trump?

Hi guys, Yoe 12 yrs banking domain Present ctc 14.5 lpa infy and serving notice period.

How much can be negotiated in for global logic ( hr round pending)

Already holding offer 23lpa in wipro TIA GlobalLogic

Looking to transfer my lease to someone, as I’m moving for a new job. 2 bed, 2 bath top floor unit off Callowhill and 15th for $2626 per month, move in ~12/1. It’s on the end of the building, so living room and bedroom are corners, tons of natural light. Fitness center, golf simulator, rooftop grills, concierge, the works. Let me know if you or someone you know are interested!

Considering a Product Owner role. Any best practices of what questions to ask during an interview? First phase deals with a virtual Teams interview with the recruiter and her manager on Tuesday. Excited since this is a hop from a Product Analyst role and entails an offer of over $30,000 from what I'm getting now! This would be a permanent full-time compared to my current contractor role that ends in March.

Will hcl provide relocation amount? doj 20 jan

With Michael Thomas out, who would you replace him with in a PPR league today, TY Hilton or Emmanuel Sanders?

Like Sanders but worried about Brees after 4 weeks off.

Anyone want to swap some Hyatt points for my Marriott points?

Good lord this open space is insufferable

I didn’t make dalgona coffee when it was a trend earlier in quarantine and I’m not sure if I missed out on anything...

Is it easier to go from McK to BCG or Deloitte to BCG? If one is easier, how much easier? And do BCG recruiters ever poach from McK or is that a big no-no?

Any tips for what Google looks for in customer success manager roles? There's tons of info on S&O and PgM and Product Manager roles, but not CSM. I have an interview lined up but don't want to blow it by talking too much about management, product, or analytics stuff.

Google stock to buy now or after the split?

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?

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

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 :)

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.

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?

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

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

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

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

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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)

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?

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.

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.

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.

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

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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?

Anyone ever use a credit repair service and have success?