Do you use margin when investing / trading?

Would 3500-3700 on a 3 unit when I bring in 6k a month post tax be overextending myself? At market rate, can get around 1500 a month for each of the other two units.

US Short term capital gain question:
If I get stocks A & B at $50. In a month I sell one at $25 and the other at $75, do I still owe tax?

With regards to buying a house: Pay more now with lower interest rate or pay less later with higher interest rate?

If you could go back in time what would you tell yourself before taking out student loans?

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

My student loan payments are $465 a month, it’s brutal. How much do you pay and am I the only one saving pretty much nothing?

Any RIAs making money on HSA accounts? How?

What % of your savings would you put down towards a down payment?

Is there ever a situation where a form 8960 is required even if the client is under the income threshold? Friend/client of mine got a PWC preso saying 8960 is required due to some 965 tax but. Cont..

Does anyone have SEP IRA? Investment advisor recommended for my LLC. he said it can be an account I contribute to that would lower my total EOY earnings for taxes

Does the Chase sapphire reserve offer a refer a friend bonus?

I am interested in investing in rental property in near future and looking for a group/individual to get in touch with for more information and find a mentor. Any recommendations on where to start ?
Min Investment amount needed... ? Etc etc...
TIA

First year in consulting, is it worth purchasing a car this early? I’m living at home and about a 45 minute car ride away from my home office. Any suggestions? What have you done?

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, very limited exposure and currently downward trending stock and crypto. Any recommendations? Also do folks have any fiduciary investment planners that u can recommend

Hey Folks,

How does the tax thing work on the ADP portal? I declared my tax submissions for PPF, HRA and life insurance. But still the tax of around 5k got deducted from this month's salary. If I didn't declare then more tax would have deducted or the declaration wasn't considered? Can someone please guide on this and tell the proper ways of saving the tax deduction? It would be really helpful!

Looking to open a new checking account. Any pointers on good offers? Happy to@combine with high yield savings account if better/need be.

Acknowledging that none of us have a crystal ball, would you wait to purchase a second home? Things are sitting and prices are dropping, but wondering just how long to wait.

Hi fishes, I’m a working professional with YOE of 3 years. I have scored good in my PG, senior secondary and high school, however my CGPA in UG is just 6.2

How hard is it to get shortlisted for MAANG, Microsoft and other companies alike?

Anyone want to share…What insurance companies would you recommend working for and what positions are available?

Hello HCLites,
Yesterday I received a mail from my HR partner regarding talent development plan.
Actually it is a table where they are asking to fill our last rating, career plan, onsite opportunity, RM connection, salary concerns, etc.

Do you have any idea why it is collected?

Thanks in advance for your time!!

Hi All,

I gave TCS interview in Monjin platform on 12th Sep. When can i expect HR call and further process to be done?

Canadian lawyer considering making move to NorCal. Is anyone up for the task of giving me a high level overview of the major players (M&A lawyer) with respect to culture, work type and firm structure?

Big ask - I know.

Why did you choose to work in SALT over other areas of tax?

Hi 🐟,

I'm having 5.1yrs of experience in java development. Barclays offered me 16 lpa. Now I'm having offer of 23.5lpa+1L joining bonus.
I asked Barclays HR for offer revision.

Can I expect revised offer letter? Will they match 23.5 or above.

This group brings me so much joy with all the pics ❤️❤️❤️

Does it seem like GSB is rolling interviews out slower this year than last year?

Do directors/production companies ask you who the creatives are on a project before they decide to bid?

Curious to what an average salary for a IT Account Manager is? I feel I am underpaid (50K base). My yearly quota is $700,000 and I have hit that in the first 7 months. I do make 10% of what I sell. I also think that my colleagues who have not performed to the level I have make much more on base than I do. Any thoughts/advice?

Hi Everyone, my YOE is 14 on VMware Products as an Administrative/Consultant/Architect...i have created an Express Entry profile for Canada , still no luck with interviews via Job Bank , LinkedIn and Indeed. I have opted to pay a VISA services firm for marketing my resume and apply for me. Was this a good option ?

I’m interviewing with Amazon to be a Community Manager and I wanted to know what the interviewing experience has been like for other folks. How long was the process? And what was the salary range for a CM at Amazon?

What’s the path from production coordinator?

I successfully bought toilet paper, paper towels, and beer at the grocery store today. I feel like I should add this to my resume. I'm about as proud as I was for my last promotion.

What sales jobs make 500K to +1 million a year?

Any recommended coffee table books for a young watch enthusiast as a gift?

What are your thoughts on paying PMI on a mortgage? I’m looking to buy a house in a year or two that are $300k. I have about $80k in cash and don’t know if I should continue building up my cash reserves and put 20% down or push more to retirement. I’m currently at about 20% going to 401K/IRA, then get 6% profit sharing. I save 54% of my gross income on average.

What do you look for in a financial planner? I’ve never been so aggressively pursued with sales-type pitches (e.g., Northwestern Mutual). I’ve sat down with a couple but really struggle to feel like they have my best interest in mind. Is a financial planner worth it? Or, is enrolling in a roboadvisor going to get me similar results for fewer fees? My only debt is my home and federal student loans on IDR (which will stay on IDR).

Does your network include the money in your pension account as well as any portion of real estate that you’ve paid off?

What is the best platform to buy crypto? In terms of fees, interface and etc. Complete newbie here.

Do you guys generally do market orders or limit orders with these wide daily swings?

does anyone have a recommendation of an excel or calculator to help figure out which spouses health insurance is better? overall mine seems cheaper but he has an HSA option so i’m not sure what to do

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

IRA vs Roth IRA. What y'all use and why? I'm new to the retirement account business

Considerations on which REIT to pick (or alternative similar investment options for RE exposure w/o owning outright)?

What happened to all the great credit card sign up bonuses?

Any good ones lately? Feel like after all the sapphire reserve wars died down there hasn't been any good cards out anymore.

Bank of America ultimate rewards is best with platinum honors at BofA but where are all the new cards.

Amex platinum sucks and I dont think its worth it anymore. Thoughts?

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

I have about 40K in savings, 35K in stocks, 110K in 401K. No debt and loans. I am thinking about buying a house/Condo in a year or two. I contribute 12% to my 401K. Any investment suggestions until I buy a house/condo? Right now I am comfortable paying up to $1800/month for mortgage loan. Single here.

Should I open an IRA? 25m net worth ~$80k
- 401k: $30k
- robinhood: $20k (+60% all time 😎)
- cash: $25k
- random stuff like bitcoin/robos: $5k

Worked in consulting for two years > startup (laid off) > will be interning at a growth equity/VC fund starting July 6. Comp is variable, could be $70-$200

Is there a good book to teach kids, teens and even college students about personal finance or should i write one?!

With all the talks about GME, AMC, NOK, a smart investor gets out before the music stops. If Chamath was on our side he would have exercised his options and held the stock and not sold the next day. He is not one of us, he is just anti-WallStreet. Do not put money you cannot afford to lose and no margins.

When’s the last date you can do backdoor roth IRA for 2021? Is it by the calendar year (dec 31,2021) or tax day (april 2022)?

Investment return from Jan to June (1st half of 2020) was about 40%. However, if I didn’t actively trade, my return would have been 300% during this same period. Great lesson for myself! Share ur lessons learned during 1H 2020

Stimulus package: Nancy and Steve have been negotiating more over the last week and the market seems to be optimistic that a deal will happen. If Nancy believes the Ds will take the WH, Senate, and keep the House, why not strike a deal now and then just pass another package in Jan 21? Why wait?