Anyone using basic MF or ETFs to invest? I’m new to personal investments and was wondering if I should spread about 10-15k across some ETFs and MFs, do you use a bank for this?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

I am trying to do a backdoor roth but have about 60k sitting in traditional IRAs. I also currently live in NYC, would it be best to rollover everything into 401k, then do backdoor?

How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

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”

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Amex Gold or Chase sapphire preferred? I'm trying to decided what credit card to get. Let me add, I'll get $150 statement credit since I have an amex card with my job.

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

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

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

If my company is deducting tax on reimbursements for example relocation, flight travel, mobile usage, etc. Then how to show in tax filing? bcoz as per my understanding it should not be taxable as I am using my money and company is refunding and no extra income. It's like I have already paid once and while refunding company again deducting. Please guide on this issue.

My highest role was a Director of Business Operations(85k), but I am looking to get into sales just want a higher income for my family. Any advice so I do not start at the bottom? Looking to start yesterday.

Any referrals would be greatly appreciated.

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Anyone actively monitoring their credit score ? Which service provider do you use? How much should i pay?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

Anyone thinking about buying a house in Philly right now or soon? Anything to keep in mind?

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

What happens to my 401(k) now that I’m leaving the firm?

Yet again I’m watching a client fuck up a nice spot so bad I can’t put it in my reel. Absolutely disheartening.

Any tips for securing freelance work with US agencies when you live abroad? My work is pretty solitary and I could fly in for workshops or a major presentation.

My monthly salary after employees pf deduction and professional tax of 200 is 96,500.
How much income tax will be deducted on this amount without any investments and all.

Had a salary discussion with headhunter, who really lowballed me and told that the employer is not going to pay more than X.
The final interview is scheduled for tomorrow should I be expecting any salary negotiation during the final interview or after or is the number that I informally agreed to with a headhunter is set in stone?
How bad is it if I refuse to accept the offer? Will I be banned from working with that headhunting firm?

Hi folks, what would be the Salary range for senior/lead Business Analyst at Fidelity international for 8 yrs experience?

Hello Fishes,

I got an offer from Airbnb for the L7 role. I would like to know about the working culture of this company?

Thanks in advance!

YOE : 7.8 i have an offer from IBM and HCL.
IBM : 18 fixed + 1 JB HCL : 21 ( 18 fixed + 1lakh approx (monthly variable) + 2 lakh Annual variable ) . Now i have a discussion pending with Robert Bosch , What should i quote ! Which will be better for job security and work life and overall career growth .

I got an offer for 36 in Citi , have another offer from a SBC for 39.5 , do you think Citi can match that offer? I’m willing to join Citi only. Please help.
C12 position offered , 9 YOE.

How is coforge bangalore. Is it safe to join as test automation (test Analyst) is job security is there in coforge?

Any feed back is highly appreciated.

Curious to know has anyone stumbled upon a bar(cocktails, drinks) that has also nailed social accounts so good so that besides their bar offerings people also cant wait to consume their content?

Currently reading Invisible Women. Very eye opening book and highly recommend for fellow males to read it.

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

Is DIDI good to hold? If No, which would you pick instead?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Advice appreciated: I want to sublease my apartment so that I can rent elsewhere and pay less. I had to move in a short amount of time and it was during the period where there was a high demand for housing, & leases everywhere were expensive so I signed what I thought was fairly cheap in comparison to what was out there. However I found something this month that will cut costs by 30%. How do I go about finding someone to sublease my place?

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

In Chicago Illinois, are Propepty taxes paid annually? Or in another way, if I sold my house today, I am still due to pay second half of 2021 in taxes at my end?

What funds are you investing in your 401K? Also, if I change the funds in the 401K by moving all current holdings into another fund, does it count as capital gain since it would sell old and buy new?

Suggestions to save for MBA apart from 529?

Anyone have any legitimate passive income? I’m talking about something that takes sizeable upfront time investment to get going, but takes <5 hrs a week to maintain.

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

If I’m right on the cusp of hitting the contribution reductions for a Roth IRA for 2021 (will potentially have a greater than $125k AGI depending on bonus amount, but likely won’t exceed $130k), what should I do? I can fully find the $6k right now to a Roth, fund like $5k and then wait until June when I find out my bonus amount to decide what to do with the rest, or should I just do an IRA->Roth conversion just to be safe?

This might be the wrong place to ask but is getting a car worth it?

I think it’ll somewhat improve QOL but with parking, insurance, gas and financing costs I’m not sure spending almost 1K/month is a good idea at 22.

The other problem is that used cars are so damn expensive right now so I can’t just buy a used mx5 for 5-10K

My financial advisor mentioned Nationwide Variable Universal Life Insurance Accumulator would be a good financial instrument as we are now in a higher tax bracket. This type of life insurance seems complicated and has some fees attached that stresses me out (although the return sounds better than other life insurance). Anyone have this plan or thoughts on VUL?!? Need advice.

What are your thoughts on Baidu as an investment?

Would you buy a brand new car in cash?

How much do you keep in the bank vs brokerage?

Marcus HYSA rate cut down to 2.0% :(

Should I get an accountant/tax pro? I’m sick of paying for $200 for turbo tax and still having to do all the work. I’m Buying and selling (mostly just buying) equities through multiple brokerages, maxing 401k and accruing interest on multiple checking / savings accounts. Not rly any tax breaks. Would be willing to pay up to ~$400 for some convenience