Hello 🐠

I'd like to open a high yield savings account (Location - USA)

1) Any recommendations?? Thinking of either ally or SoFI
2) Is it better to open a joint account with S/O or open two separate accounts with different providers?

Thanks in advance

Inflation post covid—19 .. thoughts? I am really worried considering the prices from housing to basic needs in major cities are already not affordable for most middle class families.

Does anyone know if Visa’s 401k plan allows for a mega backdoor roth?

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

These paychecks aren't cutting it. Side hustle ideas?

Living in NJ and may be able to choose NYC as my home office. People who live in NJ can choose NJ / NYC office, which one did you choose?

NJ office: no NYC tax, don't have to file 2 state return. Live in NJ so auto assigned to NJ office currently.

NYC office: NYC tax on paycheck, easier commute, possibly higher pay?

Anybody got decent turnip prices today? I care more about my investments in turnips than my actual stock portfolio 😤

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Anyone ever temporarily lower 401K contribution to increase bonus cash payout?

Anyone ever use a credit repair service and have success?

Thoughts on buying nft from meka? Good flipping opportunity in the future?

How much are you contributing to your 401k?

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?

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

Has anyone been in a position where they racked up 5-6k in amex expenses because they were late submitting things on time? Did u have to eventually pay it off? Did the firm hold your neck?

What is the *prime* amount of money to bring you happiness?

Is it possible to get a Sr. Project Manager role or delivery lead at one of the big consulting agencies without having to travel an absurd amount and get paid 150k plus in total compensation?

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

Hi 🐠
Nowadays I'm seeing lot of singapore opportunity for contract and extendable contract position.there is a new visa rule coming in 2024 (may be) which will be point based system(no control for organization) for the expats mainly to reduce the foreigners .so all these contracts opportunities for untill the new visa rule after that only eligible will stay and others will be kicked out?

Wanna a learn Data Science cource.Anya vs suggestions please

What is the salary range of b3 band in VMware for a operational role

If I joined verizon in June / July 2022 would I be eligible for hike in Jan 2023 / March 2023 ? What's the hike percentage like ?

How does your company manages HR or team building activities in WFH model ? is it effective in refreshing you or team culture ? Or is it just an extra overhead now ?

I feel it was a good break/refresh when at office but now it really feels just an extra overhead siting on desk pretending to have fun when you can ACTUALLY have rest/fun by just taking break for that time and instead interact with people around yourself AT Home. Feels more refreshing.

What to dou think ?

I am contracted employee in a company . I am assigned POC work .No design or document, just my manager sent a video of youtube saying that we have create similar feature . Since there is no proper documentation still manager is forcing to complete it by next week end. There are many hit and trials I am trying and giving him daily report of what I have tried and what worked and not worked. Still giving pressure.
He says "I don't bother you work for 1 hour or 10 hour per day". What should I do?

4.75 YOE in consulting. What comp should I be aiming for? Looking at strategy and business development roles across industries. I’m at 110K right now.

Can a Partner/Director in PwC refer me?

What is a material billable hours difference from your peers at the same group? If I bill 150 less a year than another associate should I be worried?

Are psychics real? Was thinking about going to one.

How much salary does delta airline offer for senior SDET with 5years of exp.
CCTC: 15LPA

What all we get along with laptop for new joiners from citiustech?

Should I join scaler for upskill can someone suggest

Anyone looking for a Strategist? I just finished at Ad school and have 15 years creative marketing experience. Open to relocate anywhere.

Anyone know anything about Facebook Chicago? Good place to be?

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

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?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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

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.

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

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

What does 401k mean?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Best high yield savings products?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

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

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?

Google stock to buy now or after the split?

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?

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?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?