What's the first thing you did to start seriously paying down debt? Does anyone have good book recommendations or programs they followed?

Just got my offer accepted for a house in San Jose. Shopping for interest rate now:
Should I got for
7ARM - 4.25% interest rate
30 fixed - 4.75 % interest rate

Banker is recommending 7ARM but wanted to get general opinion as well.

Thoughts?

In your opinion, what’s the best hedge / best buy against rising interest rates?

Anyone receive United Miles out of the blue? I got additional 30k, just don't know why

I want to diversify. I have 2 options a) open a poloniex account 2) use existing Coinbase to buy ether & ShapeShift. I know option #1 might be cheaper, but there's added headache of another exchange. Thoughts?

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

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

anyone in here strictly.service 401K plans on the independent side? how much can you make on that realistically with a medium size AUM book being currently managed? trying to determine if meetin..

Has any one went from reinsurance back to insurance? The money is great and all but the W/L balance isn’t. Has anyone else felt the same?

I selected new tax regime in the company 'xyz' portal for April 2021-March 2022. I left this company in jan 2022 and tax of 16k got deducted from F&F settlement.

I have investment in EPF and submitted the rent receipts to the company for tax exception for HRA. But in F&F, based on new regime tax deducted.

During filing ITR for assessment year 2022-2023, can I file by selecting old regime and get this 16k return?

I paid for my kid’s college fee this year and last year thinking I will use 529 in future for second kid but now I am having second thoughts as I need little more money to buy an investment prop cntd

Roth vs Traditional 401k, thoughts?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

How much is too much to have in your checking account?

Thinking of buying a first property with my SO. Any suggestions on area? criteria: safe and well connected. all wisdom appreciate and welcome!

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

Best resoures for realtors just starting out in their career?

Realtor fishes, let's play a game: I share some details of some listings that we have available at my office and you let me know if we should keep them in our portfolio or make room for better properties.

I am a direct private lender. I offer fast and reliable loan at 5% interest rate with no prepayment penalty. I can close a deal within 3-7 working days.

Do you have any project/deals that needs 100% funding?

-Jeremy

My company has asked for investments proofs. Jts feb only and i have upcomming mutual funds sip also. How can i show these upcomming sip investments ?

Currently looking for a Transaction Advisory Services (TAS) Senior for our Houston office. This will be a hybrid role. 3+ years of TAS or Audit work is required. DM me for more info!

Looking for Engineering Manager/ Sr Engineering Manager/ Architects/ Principal Engineers with experience in Python with experience between 9 to 16Yrs from product companies. If you are interested or know anyone, please comment. Work location is Bengaluru, India

My spouse’s was given 221g yellow slip when she appeared for her H4 at Delhi consulate. Its been more than a month no update. Can anyone help me how I can escalate or follow up? Support email id customer care agents reply only with generic emails. Please help folks!

What motivates you to leave your house every morning and perform your duty as a police officer?

PwC India - Manager position. SAP. Any comments?

I am a sql, pl/sql developer. What would be the suitable certification for oracle cloud? I m bit confused. I want to do oracle cloud certification with my existing skills. Please suggest. Tata Consultancy Accenture Deloitte EY India Cognizant Infosys

Can any one refer me to Mercer for java technology?
Yoe: 2 years
Skillset: java springboot, microservices, Rest API, Hibernate.

Hello folks,

I have around 2.7 years of post qualification (CA) in Internal Audit/ Risk& financial advisory. I am looking to move abroad (UK, Australia) and need tips on how to make the move. Thanks.

Hi team ,
I resigned and my last working day was last day of month .
The company KPMG was suppose to deduct my joining bonus and other things in final settlement. Last working day was last day of month , which means i got full salary.
What they will do in final settlement? Will they ask me to pay separately? I have resigned and joined another organisation. Any one knows what will happen ?

Can anyone tell me if there is any portal for e-separation. My friend was trying to put paper but he works on client laptop and he did not know much details.. Is there any portal in velocity app for the same

Curious about of the views of veterans on the Ukraine situation. Can their military perform better than it did in Crimea?

Any suggestions on volunteer opps in Atlanta? Would really like to mentor, but not sure if that’s possible given covid, so taking any suggestions.

Where do you like to go in person clothes shopping? Which stores? (I.e., ponce, Atlantic station, Lenox, etc.)

I’m so f*cking scared of fucking something up, getting fired and then being unemployable…

So no real layoffs?

Is southwest worth considering to travel in comparison with delta or united?

Gripe in here about Legal Assistants (more in comments)

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?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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?

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?

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 :)

Any good wedding ring sources aside from Blue Nile?

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

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...

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

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

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?

Best high yield savings products?

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??

What does 401k mean?

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

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

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?

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?

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.

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.