For those in there “forever” homes and have done a major kitchen remodel. How much have you spent. Either dollar or % of house value. I’m looking at $70k - $80k on a house that was appraised for $1.16M. I think the kitchen will add $60k in value.

Deloitte fish: I’m an alum trying to do some retirement planning. I was an SM2 vested in the pension plan (I worked in DTTL for 7 years ending 2013) and want to find out what my actual benefits will be and at what age. I have no paperwork and 800-Deloitte does not seem to have a way to route me to the right people. Does anyone have a human contact or procedure that can help me get this info?

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

Monday Wordle :

Wordle 401 5/6

⬛🟨⬛⬛🟩
⬛🟨⬛🟨🟩
⬛🟩🟩⬛🟩
⬛🟩🟩🟩🟩
🟩🟩🟩🟩🟩

Bombcrypto is launching their nft market place the 20/01. From 3usd to 5usd (+1.5-2usd) approx

Brand new into my career and I’m trying to juggle wanting to max my 401k, Roth IRA, and HSA, while also saving for a down payment on a house! I realize that with my current salary ($78k) doing all this is too ambitious. Any advice on streamlining my priorities and which ones I should give up on for right now? If anyone else has gone through something similar early in their career what did you do?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Hey all! I’m 30 years old. About to close on a house with a 5.75% fixed 30 yr mortgage. If you were me and your goal was to maximize your net worth by retirement, would you put a few thousand dollars extra into paying down the house faster or invest that extra money in the market? The 5.75% doesn’t feel that low but also not crazy high so I’m torn. Thoughts? 🙏

Noob question on selling puts- I just sold a weekly put that I WANT to get assigned. The stock fluctuate a few dollars a day so I’m looking for a specific price to own the shares at vs entering a limit order. The stock has already gone below my selected strike price by a 30 cents today but I haven’t been assigned the shares 🤔. Is it only by expiration day or am I missing something?

What things *can you negotiate when purchasing a new car? What things *should you negotiate always? Any differences in negotiation approach when buying used? Seems like I can afford considerably less, given the current interest rates 😭 Currently financing a car at 1.9% and it's killing me to buy, but I've had nothing but issues with the used car I bought.

Anyone willing to share thoughts on National tax- unclaimed property at EY?

Received an offer from EY but didn’t find enough information to get to know about it.

I am a traditional reservist so I never really used military benefits before, but could use advice here.

I am currently renting and my lease is not up until October 2021, however I found a good deal on a home and scheduled to close in June 2021.

My landlord will not work with me to end the lease early, so it looks like I will have to double up on rent and mortgage through the summer.

If I went on active duty orders, can I use those orders to break my lease early without penalty?

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

What are the best platforms for investing in startups as a non-accredited investor? (E.g., pursuant to the JOBS Act and CF regulation)

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

hello, in elss is mirrae tax saver good or quant tax plan?

What are some good modern/post-pandemic personal finance books you can recommend?

Is anyone doing anything cool remote learning wise with their prek class. I’m looking for some fun ideas to get them motivated again !

Explain to me like I’m 5. Why does the monthly billable hours goal on things like Intellistat change month to month. I’m not hitting hours this year. Last month goal was 158. This months goal is 180.

Any off beat documentaries to recommend? Just watched the Barkley Marathons.

Hello,
Does Cognizant provide reimbursement for WFH setup?

Can you apply for a per diem tax job besides your full time tax accountant job? Both are public

Hello everyone, this bowl is just the start. We will make it big. Request you to stay here after joining. Meanwhile, do share this in your network. It would be a great help.

Till the time this bowl is growing, you can post confessions, advice, requests etc.

Use the format:
Age, Gender[M,F or any other]
Then your post.

Is anyone part of Toigo? How helpful is/was it in your career search?

Is it just me or with the rise of attacks on "essential workers", it's scary nowadays to work a public-facing job? I've seen so many videos of workers getting attacked for doing their job, some of them have even lost their lives.

Joining IBM in SAP MM technology soon, they shared that I will be on bench initially, so need help to know if have better projects here? How will be the process here

What type of drug test are they going to do?

My firm’s IT (especially system saving and file locating function) is so bad 😐😞 and they keep doing updates no one asked them for just to mess with the stuff we already got a hang of without doing anything about the issues we actually need fixed. Anyone else in a similar boat? Do you bill the client for the time it takes to fix the IT issue (or IT inefficiency generally, like time taken to find a file in a convoluted system)? Or is that supposed to be our non-billable time?

Everyone likes me because I'm a doormat with no boundaries. I do anything and say anything to make people happy. I will think what you think I should think. Will you be my friend?

What does FCST w/ ghost mean

Does anyone do welcome gifts at the beginning of client engagements and/or goodbye/congratulation gifts when a matter concludes? If so, what do you give away?

Advice for Of Counsel roles? I am of counsel at a firm where I can set my own rate and keep a percentage of collections, which varies slightly depending on whether the client is one I generated or not. I’m finding that a lot of my work is for firm clients where the lawyer negotiated a flat fee (and the hours worked are less, due to efficiency etc). What is the right way for me to be compensated in this scenario?

Fedup with interview. For last 2-3 months, almost 5-6 companies conducted interview upto HR round and finally not releasing offer letter.

YOE - 11

Tech stack - .NET, API integration, SQL, Entity framework, Angular, React, Docker, kubernates, Microservices, Azure, Message Queue, Automation testing

I need 30 more likes to activate DM ... please help me out

Looking out for job change. I have an overall experience of 7.5 yrs in market research, consulting and advisory services.. Preferred location will be Pune and Mumbai..Please let me know in case of any relevant openings.

Thanks

How much time bny takes to provide laptop post date of joining? As onboarding is virtual.

Hi BNY employees,

What was your last rating ? Hike % & bonus % of CTC ?

Provide your input in comment.

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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?

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

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?

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?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

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?

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

Google stock to buy now or after the split?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

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 :)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

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?

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

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