What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

Decided to payoff my mortgage.

Can I get some real helpful guidance here?

Current finances:
-75k in the market (VTI,QQQ, ETFs and stocks)
-20k in Emergency find /Cash
-30k in Roth(maxing since 2019)
-60k in 401k (maxing since 2019

I don’t got much money expenses and wanted to know where to put my money during this market for the next couple months. Is it smart to DCA? Put limit orders in? Just hold cash?

Additional info:
-minimal rent / expenses (~1000/mo)
- started HSA this year
-130k, 3 YOE
- no debt

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?

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

What happens to carry if you move funds? Would your new fund “buy you out” or how should you raise this?

Is direct lending/private credit technically buy side?

Does private debt tend to win over banks in rising interest rates environment? Will it compensate the overall decline in borrowing for private debt?

Looking to purchase an investment property (condo) in Denver. Anyone has recommendations on the areas that would be good from an investment point of view (cash flow positive)? I love Capitol Hill but I’m not sure what the rents are like there.

Whats the max of monthly rent has anybody shown for HRA deduction 😅

What is keeping bitcoin as the most valuable cryptocurrency?

As we are not frequenting to office and clientsites, anyone plan to return their leased car to save money?

Hello Autodeskers,
I wanted to understand how RSUs work in your favour? I mean if I am getting rsus amounting to 40% of my package, and another company is matching the package with all fixed, should I still choose Autodesk package? How about selling them and taxation? Is it really beneficial or risky?

Off Topic:

I am staying in rent in bengalore and my house owner has hiked the rent by 70%. Question to People staying on rent, is everyone facing issues like this? What is the ideal rent for a 2bhk in your locality/society?

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

To take advantage of the next big economic downturn, should I set up a Robinhood or Charles Schwab account?

Mortgage PITI payment would be about 50% of take home pay, but it fits easily within my budget. We max out 401k, HSA, and backdoor Roth. We also have about 150k in savings in case things get tight and saving an additional 1k per month. Is this still too tight?

My portfolio is getting HAMMERED this morning. That is all. Clearly I'm not selling but seeing straight reds is painful.

If you could right now, would you buy a house in full cash or invest in the market?

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

I always forget how stupid the average American is until I travel and am surrounded by them at the airport 🙄

What movie title would you use to describe your current job?

Hey Guys,
Looking for a job in any established e commerce company as a Key account manager. I have 8 years of experience. Location - NCR
Please help. Thank you

I’m interviewing for a community manager role with a creative agency tomorrow. Anyone have tips specifically for CM/Strategy roles?

I read this super interesting article about how big companies like Toyota are investing in social-emotional training for their employees and seeing massive benefits. I actually think this could be a whole separate class for students of all ages. Learning about conflict resolution, growing your own self-regulation skills...it's really important.

Been in the strat game for over a decade; I’ve realized that a strong department with clear process that is built on end to end problem solving (with time to think) is when I’m happiest vs this award show / case study grind. What are some agencies you all work or have worked at, that value strategy as a department and not a creative case study farm? Looking to figure out what’s next.

How many rounds of interviews for a consulting role at Deloitte? I am interviewing for a Agile Lead Role at Deloitte (I believe I would be at the consultant level). I have completed the technical interview last week and just got a behavioral interview offer for tomorrow. Will there be another interview after this?

Sooooo who is hiring healthcare consultants right now? I need a much higher paying job in healthcare (payer/provider exp).

Have some down time now and want to learn something 'foundational' - not latest trends or just an overview. Do you have any recommendations on what can someone who has been in IT consulting in payer/provider for 5 years can learn? Like a short college course or a Coursera certification? Anything?

Hi, currently i am working with icici bank in backend operations in CIB team as Deputy manager but i am looking for an opportunity in Accenture can anyone help with the openings or referral??

Hi Everyone!
Could someone refer me to Spotify in Program Mgmt? I have 3 yrs of experience. Please let me know 😬

Desi folks! Why do you let your parents manage your profile on the websites? It’s so uncomfortable when you get a call at 4 am saying “beta, we like your profile.” 🤷🏽‍♂️

OK 🐠. Recommendations on solid/reputable places to buy watches online? Jomashop? Ash ford?

Bain is hosting holiday party at Joy District Club in Chicago… KPMG needs to step it up…

Methods to reach a lot of people without the use of ads, suggestions please

Thoughts on vanguard money market funds to replace HYSA in today’s market?

I’m investing all my retirement (401k, Roth IRA) in a s and p500 fund (FXAIX). Thoughts on if this is wise in the long run vs just using a target date fund?

How do you vet tax accountants to tell if they're good or not? How much do you spend on them for annual filing?

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

The only ones who get hurt riding a roller coaster are the ones who jump off. Don't panic and sell, everyone! Time in the market > timing the market.

What’re the advantages to contributing to my 401k vs. just investing on my own? I understand it doesn’t get taxed on the way in, but after I withdrawal, isn’t it the same?

Thoughts on buying a 2nd house in this market? Need a property close to the slopes here in CO. When do we think the vacation market will bottom?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

Heard on NPR Mktplc- Larry Fink - Blackrock CEO - 2018 Letter to CEO’s. He wants companies to make a positive contribution to society. How are you shaping investments for greater good? Tips?

Etrade account- Can someone recommended some of the money market funds available with them? I have bit of cash money left which I don’t want to invest in stocks.

My rent is increasing about 10% and the parking is going up even higher. Lease is up in October. Is it too late to look into condos or coops? It’d be right around the same price

Anyone have a lawyer or personal finance advisor they trust and recommend in NYC? Post MBA and new to the city; I need to buckle down and finally get a will and outside $ advice on taxes.

Where do you buy dogecoin?

What's your target retirement savings? Target age? Combined or single?

Want to buy a house in bay area? Is this a good time? Thoughts?

Need advice on where to invest my money. I’m 27 y/o and have 100k saved. 25k with a badly managed robo advisor which has only given me +3% this year, 15k actively invested and 45k in cash (pls no judgement, I know about inflation, that’s why I’m seeking advice), 15k in my retirement savings fund. Want to ditch my robo advisor and start investing as diversified as possible without having to buy single stocks. Any advice?