Best strategy for retirement? New associate making $90K per year salary in LCOL with the goal of maxing 401k and Roth IRA

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.

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

I’m currently an LLC and looking to assemble an equity deal with an advisor. I don’t know how to set it up with him where he gets his equity in the future when we restructure the entity to a c/s Corp and give out his shares. It doesn’t make sense for us to switch now and get double taxed when we haven’t lifted off the ground. This is pre launch. Any advice?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Guggenheim healthcare reputation?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

Hi! Does anyone have a recommendation on a realtor? Looking for a condo in DC

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

I’m moving to SF at the end of summer. Is it common for single people in their early 30s to have roommates?

I could afford a $4k 1bd/1ba place and understand the HCOL, but that much for rent seems excessive to live close to work in downtown SF especially with student loans, etc.

Anyone on here looking for a new comp/benefits job? Message me :)

Buying a condo with an HOA - what’s the average reserve % you’ve seen? My HOA is 23% funded, and recently raised dues.

How do filmmakers find investors?

Hey everyone! I am currently working as a BA 3 on market expansion and I want to pivot to financial services. I’d love to do strategy, internal consulting, or BA. Downside is that I don’t have a business degree, I studied healthcare admin. Is that a big deal, especially considering my experience?

Would love any advice on how to break into a new industry!

Current:
Business Analyst 3 (FT) (Recruited for this role)
VC Assoc. (PT (UNPAID))

Previous:
Healthcare Strategist (FT)
VC Assoc. (PT) (UP)

Hi team ,

I have started working from jul2019 and I have filed my tax return for 2020 and 2021 tax years.


However I note that there was withholding of some amount in 2017-2018 and 2019 tax years ( withholding from comission received from insurance commission from lic and United india)

I have not filed 2017, 2018, 2019 return as my total income was less than threshold

Is it possible to file return for 2017 , 2018, 2019( all r in refund) now without paying any penalty?

Guys need your suggestion here.

Please help me with my decision.

I am 32 divorced and I have decided to not marry again also i don't have any other other responsibilities /loans etc.

Currently earning 18 lpa and I am planning to buy a car which is worth 16 lakhs. Should I go ahead or should l lower my budget as per my current salary package

What's the rationale for having a savings account these days?

MBB AP about to exit to non-FAANG tech. Would you expect a signing bonus and/or pre-determined severance pay if things don't work out with the new company? Anything else that people have negotiated during their exit? I'd be leaving a large amount of bonus on the table to leave before the end of the year.

What if Elon Musk replaces Rajesh Gopinathan as the CEO of TCS?
All the useless managers will be fired?

What are everyone's thoughts on resume services/coaching? I am a leader/exec that was laid off (first time) and have spent over 15 years in various roles such SVP Operations, Senior Director Product, VP Solutions, etc. at different companies.

I am struggling with putting my experience/qualifications on paper...

Is your H1B petition scanned all messy misaligned? Just want to check if that’s normal or if I should try to get the lawyers to fix. I’m paranoid it might hurt down the line

Wow! What a day! What type of company starts layoffs right before the holidays? Lost my job this morning and I am stressed out. Is there any chance of finding a new job before the holidays? I'm doubting it.

Penn or draftkings?

I’ve been thinking about starting a blog for community managers. What topics would you like to see covered?

For a 3 Year Experienced React Developer shifting from Service based company which is better Comcast or Verizon? Pay wise 1.5 LPA is the difference between two companies. Designation is same. Both have variable pay upto 10%.

Hi Accenture people, got offer today, asked HR about project, she mentioned it will be mapped on first day itself and will be connected with project manager. I told her i need details about the project and she said she will talk to project manager and get back to me tommorrow. Everyone says we have to search project after joining only. So any idea if this scenario can happen? Anyone got to know project details before joining? Please share ur views.

Is there a firm that does a lot of consulting work for hospitals in Texas Medical Center (MD Anderson, Texas Children's etc.)?

Hi Fishes,
I have offers from below org. with almost same CTC-
Birlasoft
Atos
Wipro

Tech stack- ETL developer
Exp- 7 years
Immediate joiner

Kindly suggest which one is better?

I’m an inpatient medical coder and make 23.58 currently, I was previously and outpatient coder as well as a billing coordinator. I also have nursing experience. I have seen many inpatient job postings with advertisements of higher pay like27-32$ and hour. Am I being low balled here? I work out of St. Louis

I try to do side-projects in my free time to improve my coding skills. However, I rarely stay motivated to finish them. How do you motivate yourselves to build technical skills in your free time?

Average salary for a junior cw in amsterdam?

What's a graphic designer with 3 YOE make these days? Because I'm definitely underpaid 42k/year after 2 promotions.

Tagline for La Croix?

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

considering betting a ton of money on tomorrow’s elections via “predict it”, as an emotional hedge. is this a stupid idea or a genius idea

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

Anyone looking at airline stocks or ETF play?

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

Can someone share a Charles Schwab referral link?

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

HYSA anyone recommends?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

Any good ETFs to invest Roth into?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!