Any cpas on here? I am doing my taxes and took out 401k distributions last year and it’s saying 25% penalty? I thought only 10%.. what is the deal??

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Any story to share if you are caught knowingly or unknowingly trading on a non approved broker platform for stocks

I left RSM in November 2021 and reached my 4 year mark in October 2021. Will I be fully vested in my 401(k) match? If so, when should we expect to match to show on fidelity?

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

What are some of the things to keep in mind when leasing a new car? What are some add-on that can be negotiated on?

Why is Deloitte’s 401k match do anemic?

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

When the senior manager expects you to create estimated tax payments out of thin air because the client refuses to pay safe harbor.

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

What is the best way to handle group financial consolidation in a multinational company?

Anybody have experience using EtherDelta? How the hell do I get my money from EtherDelta back to Ethereum and out? Been trying for a week and the transfer isn’t working

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Do you suggest booking profits now (even if they are less) to reduce the risk profile, given that market is moving sideways and bubble might finally burst 😬

NRF matched Millbank in TX yesterday

Amex gold or chase Sapphire preferred? I need a card for international travel to avoid foreign exchange fees. Please note, that I'll receive a $150 credit towards the Amex annual fee due to having a corp card. I'd you my capital one checking, but no rewards/benefits there.

How does everyone feel about CCA / The Gong Show?

Has anyone broken a lease early with Bozzuto before? About to sign a lease but a new job may require me to move once quarantine is over, so I would probably have to break it a bit early.

Recently relocated from NYC to Tampa. Going back to square one with familiarity with judges/courts. In NY, we used “the robing room” to share reviews & cautions about judges. Anything similar here?

Hello,
I've recieved an offer from Morgan Stanley, my previous salary was around 6 Lpa and last offered was around 15 Lpa (WFH), I quoted 40 to 45% on top of that around 22 Lpa considering Mumbai location, WFO and Glassdoor pay range.
Did I just do a mistake by quoting too high a number? Please let me know your opinions.
YOE: 3.5
Tech Stack: Java Full stack devMorgan Stanley JPMorgan Chase

I applied for a position through a recruiter and made it through the interview rounds with the actual company and received a verbal offer, but haven’t heard back since. Am I able to reach out directly to HR for updates or does all communication have to be filtered through the recruiter?

Guys did you hear the big news???

Hi Fishes,
After one year of internship in Intel, what CTC can I expect if I try to switch to other companies (Qualcomm,Nvidia......etc.)

I'm considering hiring someone who may be required to have a series 65. How long should it take someone who is (a) smart & (b) no industry knowledge to study and pass?

Hi fishes,

What are the interview questions to expect for the role of AWS database engineer?

Can H1B approved under consular processing but yet to be activated be transferred to another employer and can the new employer apply for transfer and change of status?

Has anyone ever said no to a federal clerkship and if so, why?

Are there any chill circuit court clerkships? I am just wrapping up a super intense/busy district court clerkship and am not looking for something that intense for my next clerkship, assuming I clerk again at all. I would still like the experience though given that I hear the skills gained from each are quite different.

Hi Fishes can anybody help me reviews about NSE IT? How's working culture? Work life balance? Carrier growth? I am having 10 years experience in sales working for Newgen software

Hi everyone! The bowl name has changed to reflect the fact that it is no longer restricted to just Consulting professionals on Fishbowl. Feel free to invite others from different industries!

Is it totally weird to request another meeting after getting a job offer to make sure it's a right fit? 🤔

I've noticed that sometimes I still have lingering questions. ❔

I've been burnt out by toxic work environments, so I don't want to make another mistake. 🙄

How would you handle this logistics of this meeting? (Timing - after the offer but with time before you start? How to phrase the reason why?)

Thanks! 🔅☺️

What happens at RIMS? Is it worth going to?

I am a Client Executive with 7 years in the industry and 5 years of HR experience prior to that. I make 60k, am I underpaid?

Hello! Looking to relocate to Phoenix, any thoughts on budget for a 2 bed/1-2bath? Within commuting distance to Tempe, in unit w/d! Also any areas to look at?

Sheesh, this humidity is driving me crazy!

Looking for some girl friends - where the professional, career minded Phoenix women at? (I am a female)

Just got some fun news, my CEO decided he wants to have an office Christmas party this and just told me I'm in charge of it... Does anyone have any suggestions on where I can host a party for around Christmas for 150-220 people? I know this is super last minute

Best bar or restaurant to watch the World Cup matches this weekend? And go!

Moving as a single 27yo, need to be at ASU 2x per week. What location provides best access and value for intramural sports, bars/restaurants, date activities, and whatever else I'm forgetting?

Tempe/Mills Ave (for school and it's a cool area but too young?), Old Town Scottsdale (is it touristy?), Roosevelt Row (too far from school), somewhere else?

Can anyone recommend a wedding Photographer that would be available to shoot the first Friday in January, that will not cost an arm and a leg?

👀👀👀 Where all my Phoenix consultants at?

What do you guys think about the upcoming midterms? Any feel for which way we're swinging?

I’m currently moving to phoenix soon are there any good dispensaries in the area that are hiring? I’m looking for calm environments that aren’t overstimulating because I’m autistic and must work places are ableist

Any tennis players out in East Valley 4.5 and above?

Anyone have good running routes for long distance? 10+ miles (marathon training) looking for Scottsdale and north Phoenix areas. Thanks!

Do you guys think Phoenix will ever become a major tech hub? I feel like the most we're known for is deserts and drugs smh

Has anyone been to the Zoolights at the Zoo? I have never been, I'm relatively new to the area. Is this a good event for a casual walk around date night?

Are there any fun holiday pop-up bars this weekend? I would love a reason to wear my ugly sweater!!

Transplants - what was the best way you met others when you first moved here?

Anyone gone glamping in the desert? New to Phoenix and wanted to try it but a bit scared lol

Hi eveyone! Welcome to the best kept secret west of the Mississippi:)

Future Thunderbird here interested in International Commerce. Are there any consultants who work in such an area?