Folks who use a backdoor for tIRA to Roth, do you have 2 accounts? Once the conversion goes through, the tIRA remains empty until your next deposit ?

What are the limitations if my tIRA contributions were pretax?

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

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.

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

Can anyone tier the domestic pe funds in india and opps to move from domestic to global funds

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

Over the next couple days, my colleague Jess (who heads all our customer experience work) and I will be popping in and out to take questions on the topic of becoming a homeowner. Hope we’re helpful!

Anyone here moved from Chicago to ATX? Currently in Chicago and considering making the move. I love Chicago and the general vibe here, but it's impossible to buy a home in the city that isn't a condo with a crazy HOA. I've visited Austin as a tourist but never spent more than a long weekend.

Can I buy 2 houses , one in a district with school ratings 4/10 and another house with school district 9/10? And then send kid to school which is 9/10 .

Currently don’t have kids. But would have them soon enough to send them to school after 5 years.

Is it legally allowed to have two residences in same area but different zip codes and choose better school for the kid ?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

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

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Hi fishes

My package is 25.5 LPA fixed. Can someone suggest which tax regime would be better for me. As of now I do not have a home loan to claim tax benefit.
Also what could be the in hand salary in my case.
PF deduction : 153000

Is the PGDM course from UpGrad good for moving forward in the data science domain. ? Please help me as I’m thinking of pursuing something alongside work as I cannot leave my work due to financial condition. I wanna excel forward in this domain. Currently having 2.5 YoE in data science and analytics.

Looking to take my team out for drinks and dinner somewhere in downtown/river north. Any recommendations?

If anyone needs the triangle area needs their gifts wrapped Im happy to wrap them for you. I’ve had success using libraries as a neutral spot if that’s easier. Regarding price, I’m flexible feel free to message me.

Nothing worse than an analyst who thinks they know everything and can't think big picture - neither can you take direction nor do you understand broader context around said comments

Dear all, I have ten years of experience in social media listening and analytics and looking to change my career into UX research. I also have market research experience. How can I shift in this industry? I am aware certain certifications can help but will it help me get the job in india?

I'm about to start teaching 8th grade "Family Life" aka sex ed. We do this for the last 3 weeks of school, before we send them off to high school. Any good tips for helping with immature boys?

Good morning !! My students have to take a virtual reality field trip for their summer program and our topic is related to bridges and structures. Does anybody know any online platform through which public can view high resolution pictures and videos related to the topic.

Please reply when you get a chance .

Thank you

Interested in everyone’s opinions on replica luxury. I ask because, as noted in the previous thread re: Chanel’s price increases, the quality of authentic luxury bags is going way down while the price increases consistently. Specifically Chanel and LV. I’m fascinated in the online rep community and it looks like rep quality has increased exponentially (with genuine materials and 1:1 markings, stitching, hardware, etc). What’s your argument for or against replicas?

Considering moving to London to freelance until I find fulltime, how’s freelance currently looking?

Hi Fishes ,
Is there any reimbursement for mobile in PwC India ? I am planning to get a new phone .
Please suggest

Has anyone been terminated from Novartis?

Does Deloitte look a lot better than ACN on b-school apps? Debating if I should take the offer to switch and then apply after.

ZS 🐠, how often are you at the office vs client site? I’m curious because I’ve heard they don’t travel much

Need advice. Very Shy guy and girl, met a while back for a side hustle both like each other a LOT, relationship has progressed in other areas but not in the physical realm, primarily because neither officially asked the other out. Guy is a very rough around edges, asked for a date by saying ‘anytime you need breakfast or lunch, let me know’. I am an independent gal and didn’t like the way it came across. I really want to take this forward but am out of ideas on how to make a date happen.

do globallogic noida gives free cab and free food me

Hi all, my name is Alex and I just joined the bowl :)
Im graduating in may with a BS in Industrial Engineering. Ive also held a Data Analyst Internship for 1 year with a small construction company. Anyone have advice where this combination of education and experience would make me most competitive in terms of roles/companies?

I am struggling to spend the time to study for the PHR. I have everything I need, but I feel exhausted from the work week every weekend. I’m looking to take it in August.. help? What do I do?

Anyone else long on AMT?

Thoughts on XT?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

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

Mutual funds you have your eye on right now?

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Given the hot sellers market, do you guys think I should plan to sell my house on my own (private) vs get an agent? Want to minimize closing costs/fees. Thanks!

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.

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

What are people thinking for buying a primary home right now?

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

Investor’s Business Daily: worthwhile?

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

turns out me and my wife underpaid taxes by 12k. Anyone else getting a nasty end of year surprise?

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?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

I have about $45k in a CD that just matured. I’m thinking about placing it probably in index or mutual funds but have only basic finance knowledge and am not sure about which or how to split. Advice??