Hi! Can you please explain how the tax differs if you live in NJ and work in NYC. If you lived in Manhattan or queens Brooklyn etc and now lines in NJ so you see much difference in income taxes? Thanks!

Got a hefty joining bonus and the taxes trimmed it almost into half. What did I do wrong? Will I get some of it back when I file next year? Also, anything I should do going forward? I don’t have a tax adviser and have been doing it myself so far

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Does having student loans impact your ability to get a mortgage?

Anyone have any good realtors in the Greenville SC area who know the VA loan?

How does pwc’s wealth builder plan work ?

401(k) gurus - If I switched jobs in 2020, does the $19.5k pretax 401(k) contribution limit apply to each plan or is it across plans? Also, does it matter if my spouse (joint filing) is self employed and bootstrapping and is not enrolled in a 401(k) plan?

VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

With the downturn, is now the time to do a Roth conversion and let my funds recover tax free? I just wish I would have to pay tax on funds converted (am in 25% bracket and have state income tax too). Any strategies to lessen the blow? And for my situation what split of 401-k vs Roth 401-k contribution is appropriate?

Can anyone please explain about the superannuation program at IC and how do we get that amount at the time of leaving the organisation? How much interest or return does it give?

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Hi everyone!

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

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

Which CC is better for sign-up bonus - Citi Premier 80K points or Chase Aer Lingus/Iberia 100K Avios points?

I churn somewhat regularly and am under 5/24 by 1. I think Citi's points are more valuable but maybe I should knock out another Chase card before I'm at 5/24 again, even though Avios isn't as versatile?

My partner and I bought our home back in 2020. We got a good deal, low rate. But we want to move into a more spacious SFH. However, as we all know this market is crazy. Everything we want costs $620k+ and bc of rates it makes our mortgage estimates $3500+. We are currently paying $2k. And it looks we need to sell the house simultaneously as look for a new one or our contingency isn’t as attractive. I know it’s based on personal circumstances. But what would you do? - not move, sell and buy?

Looking for full stack developer to join my early startup. We are a small team but hoping to grow a lot this year. Must love books and geeky stuff

Hi,

Can we verify content of email using cucumber framework?

If yes any reference link please...

Thanks

Recent Grad without any home office furniture. Need recommendations on desk, chair, 2nd monitor, anything to keep me productive at home.

Happy New Year Everyone! And remember to write 2 instead of 1. Have a Great New Year. Stay safe.

When conference goers come into the Sheraton lounge and are *blown away*

I am new to United Silver and I purchase economy tickets. Is the best strategy to check in exactly 24 hours ahead and switch my seat to an open economy plus seat?

Planning to fly to the Caribbean’s for about 12 days.. want to focus my stay in 2 cities and use Marriott points. I like the sound of curaçao for 1, what would you recommend for a 2nd and what hotel?

Hi Fishes,

I am looking for job opportunities in the role of data science/decision science/model development/ ML engineer, and with 2 yr of relevant YOE. Can anyone help me with the referral?
Thanks in advance!

I am contemplating a new offer for Validation Lead role (non- managerial) at a Big pharma, with 4 years experience -post masters degree. Suggestions on what the compensation should look like ?

5th September is my last working day at Infosys. Yoe=4+ yrs
Tech= aws devops
I hold an offer of 18LPA from KPMG with joining date of 7th September. (Wfh)
I applied at Workday on 15th May and went through 7 technical rounds of interview and received a verbal offer letter of 21LPA (hybrid)
Now apparently their technical panel "forgot" about the interview and wants to have a discussion again as 8th technical interview. HR says their joining date will be 19th September.

Should i join KPMG?

Recommendations on local Austin sites for home search we are looking to find a rental for 6 months for ex. Sulekha in northeast is pretty common among Indians. Interested in condo/house type living arrangement v/s renting with apartments.

Why are people always surprised when we're closed for holidays? There are emergencies but being rude because we won't book a 9am cleaning on Thanksgiving is incredible

Fresh grad, just started work in the US (~1 month in) but want to move back to Dubai due to personal reasons. Will hitting the 6m mark (1y won’t be possible - immigration) be helpful? (Cont)

Based in the UAE but traveling a lot to KSA. I need more data than my UAE roaming amount. Any recommendation on eSims bundles in KSA with lots of data? (20-30gb)

Where in Dubai do you live? Which areas would you suggest for MBB consultant? Thank you

What is the use of earning badges in Level up? Is there any advantage to this?

What are some nomad options in NY if you don’t want to sign a lease?

Fully furnished, spacious, quiet room/apartment for rent in East Village. Dog friendly. Immediate move in can be accommodated on request. $1850/mo. with all utilities/monthly fees included.

If you could buy a house in nyc, would you pick west village, Williamsburg, ues, uws, or Astoria?

Kind of wild that I consider myself very lucky to make $175k a year at 26, yet I could barely cash flow the shittiest Manhattan apts without being stretched

I need help finding a Christmas tree around midtown east. All I see are tiny ones or huge ones. Just looking for one ~5-7feet

I don’t make 40x my rent. So I most likely would need a guarantor. What kind of documents do apt buildings usually ask from a guarantor?? I’m asking to know if I could ask a family member or if it will be too personal and they may not want to share such documents/info with me.

Any good gyms in the West Village/Soho area (excluding Equinox)

NYC renters: have you tried removable wallpapers? Any tips/recommendations?

OMNY card or MTA card? MTA card for me, it’s so thin that my wallet does not get bulky

How do I cancel my New York Sports Club membership?

Do you work at a company that is hiring in NYC? Please let us know and share details of positions!

I’m confused by all these posts about Product Owners. I’ve worked at 3 Bay Area-based tech companies over 6 years and never heard of a Product Owner. As a product manager, i work with my engineering and design partners to figure out what to build and then build it. What role would a product owner play in all this? My honest assumption is that this role was invented by companies that want to pretend to be doing agile but aren’t really, but I’m open to being proven wrong.

Really like an apartment 5 min walking of Times Square. Any pros / cons of living in that area?

it’s disgusting to see in this city how people pay more attention to the dogs homeless people have than the people themselves - it’s dehumanizing and makes me sick when people give a strained smile to the homeless person while patting their pup like come on

Anyone commute on PATH from NYC to Jersey City or the other way around? What part of either city do you live and where's work, how long is your commute, and do you feel like your commute is practical with what you're getting in return, or do you wish you lived closer to work?

Thinking of getting a peloton. Anyone actually experience weight loss and overall health improvement from having one?

I make excuses for not going to the gym and the number 1 being convenience so I figure if it’s in my actual home then I have no excuses!

Be nice, thanks! 😊

Are there actually tax cuts switching from home office in NYC to Hoboken?

Best website or realtor o company or way to find and buy a condo in NYC(Queens, Bronx or Manhattan), 2-3 bedroom.

NY is wild. Found out this AM that they are building a massive luxury building literally next to a homeless shelter that has been in the news over and over again for how bad the conditions are. I’m sure they’ll charge $6k for a one bed.

NYC consultants traveling every week. How are you managing the Quarantine restrictions? Have to travel two consecutive weeks for meetings and trying to see how the rules work