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

Can we combine our Corporate Amex points with Amex Everyday MR points?

Please post your crypto portfolio.

Mine - Btc(10%), Eth(75%), Ltc (leftovers)

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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.

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

First instinct this morning... put more money on coinbase. Hope by the time it clears I still catch the bottom.

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

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Does anyone have any book recommendations for information on buying a house?

Anybody in here trade options? I trade Iron Condors and have been having success with that but would love to hear what other people have been doing

Well, its a good thing I sold ARKF when it was $55 last year

What’s happening with the Chinese stocks? Do you think it’ll continue going down or will it go back up?

Personal finance/investing advice for recent college graduates? Best personal finance and investing books/websites/subscriptions/YouTube channels? Thanks!

Any good ETFs to invest Roth into?

FYI Amex offer for Allen Edmonds. Spend $300 get $90

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Hi Team
I've declared the tax under my profile payroll and what is the use of FCP?

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

Hello all,

I had a quick question

Had a call with audit leaders last week and were told that they haven't finalized the office building and they will get possession of the new building in Pune only by Jan 2023.

Currently they just have the ITS with the seating capacity of 30 people.

Now for audit they want us to go to office 2 days every week. How are we supposed to do that when they don't even have an office? But they are still adamant to get us back to office location by June 1.

Anyone hiring ACDs or CDs? Looking at Agency or Client-side. TIA!

Can anyone from PWC refer me for this jobId - 290782WD. I'm looking for Salesforce developer position.
Any referral would be a great help to me!

Hi fishes,
Can anyone plz tell me is there any hiring for analytical position?
I have 2 years of work experience.

Hi Sharks,

I need an urgent reply.

I have Joining with CTS today at 10:30 AM and some documents required for Virtual Onboarding.

They need EA form and they said it is part of offer letter.

So I need to print entire offer letter and sign and send back to them please reply?

I am a regional controller for a hospitality group. I began looking for a job in a different industry, but have hit some roadblocks with trying to communicate transferable skills and management style (decentralized). Any recommendations?

Advice pls - was confirmed that Deloitte would be moving to offer approx 3 weeks ago. Offered lower than expected salary, asked for an increase and haven’t received any confirmation on the original or revised offer. Chased recruiter a few times only to receive a reply that its pending partner approval. Passed up a better offer in favour of getting into consulting and have another offer which I cannot afford to lose. Passed up offer 85k FNZ SC, current offer £80K Barclays VP, Deloitte -70k+6.7.

audit manager salary in charlotte, nc?

Where is everyone watching the Panthers taking on the Broncos today?

Technology implementation manager in Big Four looking to transition to the banks. Anyone know of a role that they can refer me to?

Do Starwood reservations eventually come over onto Marriott after you combine? Mine still haven’t...

what is the salary range of consultant in KGS ? What will be the role offered if I have 3.5 years of experience , consultant or associate consultant ?

How do you compartmentalise between work and life? I think about work constantly throughout the weekend and when I go back on Monday, I don't feel restful at all. This is getting pretty bad. 🙁

Hiring for an agile coach at a global tech company, fully remote if that strikes your fancy but we have offices all over, would be supporting the CIO (Trust & Technology org). Amazing opportunity to make a big impact and room for growth. DM me if interested.

How much should I expect as a L4 CSA at Microsoft, living in Texas? Want to know if I’m being made a fair offer.

I am currently an HR professinal of 3 years with past background as a teacher/advisor in higher ed. I am aiming to pivot to a more L&D, training specialist type role in order to leverage the skills obtained in both areas. It would be the perfect career for me. Any openings or hiring at your company? I am not super concerned about the title as long as there is room for growth and I can pay for my 3 kids' daycare tuitions. ;)

Question about health insurance. Since some of us are at the age of more preventives, such as colonoscopies and mammograms, are PPO plans the best option? Does anyone have an HSA? Do you recommend it? Yes or no? Thanks!!

Did anyone attend L3 round in State Street. How this round is going to be?

Hi,

Is this a good time to join HP? As they have recently announced 6000 layoffs in 2 years.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Thoughts on personal loans to consolidate Debt?

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

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

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.

Any good wedding ring sources aside from Blue Nile?

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?

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

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?

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?

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'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.

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

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.

Anyone have a recommended tax person in Chicago?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

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

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 :)

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

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?