What’s better the S&P or a total stock market index fund?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Sold 10% of my ETH @$2,500 to pull out my initial cap investment - so tempted to throw it into btc on this dip. Should I pull the trigger at $50k or wait for $47k?

Any entrepreneurs here had angel investors actually invest in your company? If so, how did you find them and how did it go?

Does EY have mortgage benefit？

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

How serious are the independence/investment declarations while joining Big4’s in the U.K.
My parents have a couple of minor investments in the stock market. Do I have to include my parents investments even if they are citizens of another country and invest only within that country?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

From now on can we start saying WHY we think news = 🚀 🚀 🚀. Reason: people lose their minds when they see *bank/big corp + crypto* and forget to ask why the news = higher price.

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Are consultants at MBB allowed to trade individual stocks? Or are they limited to mutual funds only? For example, can someone at McKinsey buy AAPL?

I bought $150K bells worth of turnips this week and the price just keep dropping. Anyone have good turnip prices on their island today? Pls save me from financial ruin

What stocks are you betting on for 2018?

OMNY card or MTA card? MTA card for me, it’s so thin that my wallet does not get bulky

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

Any thoughts on the ETF, OGIG (O’Shares Global Internet Giants)?

It is from Kevin O’Leary’s fund.

Recommendations for a Roth IRA?

People that take medication, do you find that using marijuana in the evening helps with sleep?

Hi ,

Please share the pay range for KYC Associate Kolkata role?

Urgent need!
TIA.

Any CDD / M&A Strategy fish willing to chat?

Anybody recently appeared for Google Cloud Platform - Associate Cloud Engineer certification?
Kindly help me with dumps if available.

Hello, I looking for referral in business developpement management with relocation option. Thanks to anyone that can help!

What’s EY consulting like for first year BAP staff? I’ll be based in NYC if that helps...

Anyone working in thoughtworks as Devops/infra ? Please let me know,need one help.

I can’t anymore I can’t 😭

Hi team,
Please let me know what is the correct industry standard CTC for a team lead accounts payable, I have recently been promoted to a team lead and want to know if I am paid correctly or not.

Ran out of time to write the MD email at the end of PEPI interview, but explained what I would write. Do you think it might be a ding because of that? I know I will find out soon, but anxiety is over the roof and hence this message.

Hi , I recently started preparing for " data analyst" course. I have masters degree in computer science and 2 years experience as business analyst. Currently I'm on a career break of almost 7 years and trying to get back into IT as a data analyst now.
I started doing a course on coursera " Google data analytics certificate " . I'm not sure how to get back into job market. Please suggest any courses or road map to entry level data analyst jobs?

How do you determine whether your inability to get out of bed in the mornings is due to depression or mere avoidance of all the crushing work and stress that awaits you? Still WFH and now beginning to get worried at how late I’m getting out of bed these last few weeks and feeling completely unmotivated to do anything.

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Do you count your car as part of your NW on Mint/other trackers?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Accidentally overpaid into my 401k (forgot to account for employer match). How can I correct this without getting double taxed?

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Is it true that some* debt is good debt. I’m referring to student loans, interest is ranging from 2% - 5% (all federal loans). Total is 20k, is it smarter to pay it off immediately and ASAP or just stretch and put the extra money into investing? Note I just graduated this year, thank you guys :)

Newbie here. Did any one engage a financial planning service? I’m 34 with young kids, no debt, and $300k in cash. Absolutely no other financial/estate planning and overwhelmed!

Anyone here from NYC? Be cool if there was a meetup.

Currently 25 y/o making 70k/year in Boston. I grew up pretty poor and I have minimal financial education. A lot of my salary now goes towards helping my parents get out of debt. My parents are no longer able to live on their own, so considering selling my grandmas house where they live (maybe 550k), paying off their mortgage (100k) and buying a duplex (between them they make about 55k/year). Is buying a two family home a good investment ? How much can I afford to spend on a new house?

What’s a good FIRE-friendly car purchase?

Have 20k, what’s a good small business to start with this fund? Serious question here

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”

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Decided to payoff my mortgage.

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??