Do employer contributions to HSA count towards annual maximum?

My first time buying a home and my fiancé second. Last time he was able to sit down with the loan officer and review any questions he had about the documents because there is a lot of language in there that isn't used by average people. Our current loan officer from the same bank branch wants to do everything electronically, and it's a battle just to get our answers. We're willing to lose the loan before signing on to a debt of $350 without knowing all of what we're signing on to.

Considering buying a house in Edison. School ratings look good and NYC commute is bearable.Checking on Zillow and the cost of the house might go around 700k. Is this a good idea? Any other towns that I should explore.

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Anyone eyeing IPoF IPOd or BFT?

Bought a SFH where I’d barely break even given the realtors estimate of 1.1k rent. Neighbor kindly let me know going rate was actually 1.6k. Put it up for 1.5k to get a nicer long term tenant and signed in 2 weeks. First investment property and learned a lot from here/bigger pockets so feeling pretty good!

Hi All,
Really need some input. We have our new construction done by April 2023. Builder is giving us 28,000 credits which can be used towards closing cost and buy lock rate for 6 months from now and giving us the interest rate for 6.75% for 30 years from US bank. But I also spoke to credit union they give us 5 ARM for 5.5% but can lock rate in feb 2023. So should go with the US bank with 6.75% plus incentives or wait till feb 2023 and thn lock rates(us bank doesn’t give us ARM rates).

I’m traveling to Europe in a few months. With the euro and dollar at equal value for the first time in 20 years - does it make sense to buy euros now and hold them?

Looking to learn more about investing - any recommendations for insightful and interesting books?

If I did a wash sale and repurchased shares within a few days and then sell 30+ days later for a loss, will I still be able to harvest the tax loss? Or does IRS disallow or require me to claim that the following yr?

In this bull market, are we still maxing out 401k, IRA first? I think I should coz of the tax benefits. But it’s hard not to pick individual stocks now.....

When selling multi family investment properties, is there a way to avoid paying capital gains? (Ie: buy into a REIT)

Rolled my old 401k over to a rollover IRA under the same brokerage and lost some money. What the hell did I do wrong? It was a direct rollover btw

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

What credit cards do y'all use overseas?

For those of you who are married, how much did you spend on your wedding and was it worth it? Looking back, what are the things you realized didn’t matter / wasn’t worth the spend?

Currently live in capitol hill- love the parks and beautiful streets and restaurants but want my kids to have a big backyard etc. Trying to decide where to buy a house — we love Frederick,MD but ...

Is this a good time to send money to India or wait I feel with covid on rise in India .. rupee will become weaker. Any thoughts?

We can help you in tax planning and getting tax refund upto 2.5 lacs.Let us know if seeking help/clearification.

From which portal can we get the amount reimbursed?

Did you guys see the headphones used in Alexa advertisement during Superbowl? Looked pretty stylish- anyone know which is it?

Any reviews on Mizzen & Main?

First winter up north - my ears get cold. Recommend earmuffs, hat/beanie, scarf or parka?

How do I politely hint at a guy I have just started seeing that he is moving to fast? We have only been seeing each other for a couple of weeks and not had any sort of exclusiveness discussions or anything but he is texting and expecting replies multiple times a day (I am currently on vacation away from the city we both live in), planning trips together in several months, letting me know how much he likes and misses me several times a day. I like him but I am starting to feel very overwhelmed.

We need to take a tax break from engagement after a year. I'm told it's 1 month off the engagement. If I took 4 holidays for a week each through the year, am I good? Or 1 month off compulsory?

Did anyone else get annhilated with social CPMs over holiday? Facebook is outrageously expensive nowadays, and Tiktoks rate card is literally doubling quarter over quarter.

Where are media teams seeing efficiencies?

Labor Day is coming up quick. What is your company's go-to gimmick? (custom gifts, deep discount, special customer testimonials, etc)

Anyone from American Express can comment on how good the role of senior SRE engineer is? How is the work environment, work life balance and learning opportunities etc?
Also what is the average salary one gets here for above role? YOE - 8.8 years

Has anyone here used a career coach? Worth it? I’m 4.5 years into audit and am absolutely miserable; I will make manager if I stay but I don’t think it’s worth being further pigeonholed. I’m not sure if a simple exit to industry would solve the problems I have with this job, so I’m unsure what exactly to look for.

Blue point exchange anyone?

Can I negotiate my level with Booz? Not getting the salary I want for an SC

Hi,

CTS offering me 15 LPA with 14.5 fixed but most of them scaring me with layoff things in CTS,

Is CTS good to join now ?

Looking to buy a home in Dallas, TX( First time home buyer) and need advice on setting right budget for 4BHK home on considerable price. Mid 30s, Family HHI of 300K with savings of 150K in cash and 250K in stocks. Don't want to go overboard and want to live below the means. What is considered a right budget for first time home buyer in suburbs of DFW like Frisco, Plano?

Data analytics or fullstack developer?
If I want to switch from non IT.

What is a good starting salary for a faculty administrator at Stanford School Of Medicine?

Looking for advice on asset allocation. $20k in hand picked stocks, $15k in Roth IRA with ETFs and some hand picked stocks, $50k in 401k with ETFs, $20k in checking account. No plans for family (cont)

When building your net worth projection, what % YoY real income growth do you put in for once you’ve exited from consulting into a Corporate role?

Does Bank of America do a Mega Back door 401K?

Looking to buy a home in Dallas, TX( First time home buyer) and need advice on setting right budget for 4BHK home on considerable price. Mid 30s, Family HHI of 300K with savings of 150K in cash and 250K in stocks. Don't want to go overboard and want to live below the means. What is considered a right budget for first time home buyer in suburbs of DFW like Frisco, Plano?

What does it even mean when an employer offers 3% match on 401k?? They contribute 3% of what I contribute or what I earn overall? And monthly or annually? Thanks, basic brain here.

Considering a relocation for new job. I own the home in current location. Thinking about selling vs. renting? Any one in similar situations, what was your thought process while deciding?

Humble opinion needed: dream has always been buying a house in a nice area, goal is to put 10% down to purchase a house around 700-800k. Do you think this is doable for a Salary 150-160k ??

How do you get over the fear of becoming poor? My family has been poor for multiple generations. My parents are still poor and under a lot of debt. I make decent money now, but I’m rather cheap in my spending habits because it feels like this money can disappear one day. Is this feeling of insecurity normal, or am I hypersensitive? Wondering how others approach money.

I recently refinanced and had to get an appraisal. The house was purchased 2 years ago and we were expecting an increase in value since houses around our area have been selling fairly quick. However the appraisal came out to be the same amount as when we bought the house so no change in value. I’m really surprised since Zillow, etc. shows the estimated value a lot higher. When you refinanced how was the appraisal value on your home? Did it come lower than expected?

Has anyone signed up for The Points Guy (TPG) App? I don’t like how much data I would be giving the app access to

Hi All! Just looking for some guidance.

I took a loan against my 401k and the repayment is drawn from my paycheck. Included in that payment is 6% interest.

I have enough money to repay the remaining balance of the loan. The question is: should I repay it now or just continue with the payment and pay off if I leave the company?

The money would go into savings / investments.

Thank you!

Is there an alternative platform to Vanguard? I was trying to create an account but they aren't accepting applications either online or over the phone.

I am looking for a solid, professional platform to do automatic investments for mutual funds.

Looking at Fidelity at the moment.

I’m wondering if it’s best to have both 401k and IRA? Do most people? Why / why not?

I would like to learb about stock trading and learn to make wise decisions on investing. I have no very good experience. Can you suggest any articles/books? Id love to create my own wealth.

I bring home $1,616 twice a month after contributing 10% to 401k. First pay check I put 1K into investment, second pay check I put 1k to savings. The remain 616 is personal spending, phone bill etc. Is this an effective strategy??

When would the fed announce if there is a recession or not? Trying to gauge if I should put money now or later when it is revealed if we are indeed in a recession