Does it matter where you open up your Roth IRA? I know a lot of ppl use vanguard but I opened one already on Ally

Does 125k in Bonvoy points get you much?

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...

If I have two 401ks (current job and previous job), does the 19k limit apply to both of them together or 19k each?

If I were to rollover a pension lump sum into one of those 401ks, is counted towards the $19k limit? Or is rollover classified differently and I could still continue to contribute to my current 401k?

Has anyone gotten home owners insurance from Hippo Insurance?

Marriott or SPG credit card (for the sign on bonus)?

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

I get Waddle & Pollard, I give away Mattison and Davante Adams. Good or bad trade? I am 0-3.

How much is a good amount (% wise) to be putting into your pension pot? Would be good to hear at different salary brackets!

Fish fam - quite new to all this and would appreciate your support. if I am based in a high income tax state but work on site in a lower income tax state. Can I claim the paid taxes back from my home state or do I always pay income tax based on where my home office location is?
Thanks

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Does anyone think there is long-term viability in Cryptos?

My sons friend is looking to get into real estate . He is a junior at Indiana University. Looking for recommendations.

Ally bank dropping rates again. CD a good choice?

What's up with risk declaration?

I'm working as an Assoc Consultant at KGS Advisory (tech). Are employees allowed to invest in all mutual funds (except those on REL)?
What are the restrictions for people who are not auditing?

What do you guys think about the green crypto ....like Nano ....have a better future then energy consuming bitcoin ?

Is it still worth buying Tesla stock? Especially after rising so much since year start?

Anyone willing to share what WLB looks like at some of the large CROs?

Is job hopping considered a horrible thing for your career? I was at my first job for 2 years and been at my current one for 9 months and I’m looking for a change since it’s not a good fit.

It’s a little weird that the Effies have a Holding Company of the Year award isn’t it? Like, good job on restructuring distressed assets?

Does anyone use Fundations in 1st grade? We are piloting it in our district as a tier 1 for all kids as our daily phonics program. Trying to figure out how to set up classroom w/ all individual tools?

Has anyone gotten home owners insurance from Hippo Insurance?

Hi everyone,
How much do you think a CHT of 7 years should be making in New Jersey.
I also had 2 years as a secretary prior to becoming a technician.

Hey all,

What are some PE firms (likely mid-market) that specialise in doing Entertainment deals, especially in gaming hardware, software, solutions that underpin the value chains ?

Hi Everyone,
I need your views and suggestions. I have two doubts:
1. Is it fair to leave an organisation (big brand) after a year as the environment is real toxic and there’s no career growth as well in terms of good work.
2. If I have to make a switch do I really have to target big brands only or can try for medium and small size companies too.

What is the salary hike you aim for when negotiating compensation with a new company? I’ve talked to a few and ultimately passed because none of them are meeting the 30% increase I’m looking for. Are companies already starting to be stingy again or am I looking in the wrong place?

Marriott or SPG credit card (for the sign on bonus)?

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

I get Waddle & Pollard, I give away Mattison and Davante Adams. Good or bad trade? I am 0-3.

My spouse’s was given 221g yellow slip when she appeared for her H4 at Delhi consulate. Its been more than a month no update. Can anyone help me how I can escalate or follow up? Support email id customer care agents reply only with generic emails. Please help folks!

Recently accepted a temp role as an HR admin for a former employer. Previously interned there & left because my supervisor did not have any growth opportunities planned out for me; this was in spite of my stellar performance, as reflected in my 90 day review. She has since left the company, but there’s crazy turnover in the company & in the HR department in particular. Just that an HR coordinator resigned. Is it worth going back into a dumpster fire w/ no leadership to gain experience?

Hi Any positions for research, account management or power bi ?

Looking to build my certifications list after 9 years as a physical channel project manager in the FI space. What certifications and from where do you recommend? PMP? CSM? SixSigma? Agile?

Partners,

My firm is immature in guiding development planning. I have energy to accelerate to the next level of responsibility.

What evidence distinguishes an analyst as ready for the next level?

In your opinion which is the best target fund to choose in IRA Roth?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Paid off my account debt!

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol