Hi everyone. I’m looking for feedback on how I’m doing financially. My friends and I don’t talk about how money. So don’t know what’s normal and what’s good. I’m in tech sales and Canadian 27 year old.
0 credit card debt/student loans. 170k invested in my retirement savings plan, 27k in personal investment account, 700k mortgage on a 1.4M house, 15k in cash, car is worth 4k, 120k in stock in the company I work for (ESSPs) - might sell all of this and invest in different index funds.

MU & OCLR, stock bowl anyone?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

Hi,

Can you help me in Flexi plan of atos.

Today is last of LTA submission and from the team there was no any response.

My query is I am eligible for 75k LTA and now I entering that amount on portal it not allowed me to enter .. continue showing error pop up say basic of HRA 5%

I am not understand that message. I entered my housing rent on portal..

Is the HRA and house rent factor in salary are the same.

And LTA is depend on HRA amount.

Can you help me .. it will be helpful..

TIA

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.

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

Did anyone apply for amex card as an employee, recently, after the acquisiions started ?

What’s your target retirement number and at what age do you plan to retire?
Of course I know it depends on a wide range of factors, but I’m curious to get a sample from this group.
Mine is $5M at 55.

Anyone has experience in investing through Angellist?

I paid for my kid’s college fee this year and last year thinking I will use 529 in future for second kid but now I am having second thoughts as I need little more money to buy an investment prop cntd

Which alt coin should I buy in this blood bath outside of ETH, LTC, XRP and BCH?

Curious to know what other avenues people have taken in our industry to make more money. Currently getting OT which is nice since most places don’t offer that benefit but still doesn’t feel like it’s worth the long nights when the paycheck comes in.

Which bank account is better for salary account?

HDFC
Axis

Hi,
Has anyone bought a new construction home from the builder Gehan Homes? What's been your experience?

What do you guys think about Investing in palantir which IPOs tomm?

Which crypto coins are you putting your money in?

Hi everyone! Looking for some advice on my side hustle. I’m running an e-commerce store selling primarily home decor, and I wanted to get some honest feedback & suggestions on the site to see what I can improve for better conversions. I’ll leave the link in a comment for anyone who would like to take a look.

One of my big hang-ups with biden tax plan is raising corporate tax across the board. Why raise taxes on businesses when we've just found out how fragile it is to be able to run a small business?Why not at least propose some kind of progressive corporate tax structure if you want to raise taxes on corps?

Do we need to work in shifts for senior software engineer in Optum?

7 years experience in Admin role. Looking for a change.

Best consulting firms without the massive ego?

What is a ideal SDR salary in a growing SaaS based Startup in Munich ?

Hi Team,

Need one suggestion, I have two below offers:
1. Hitachi Vantara (37LPA including 8%variable + 2.5L joining bonus)
2. Hashedin by deloite (37LPA) but it's around 36km for from my room.

Please suggest who one can I joined W. R. T. Work life balance.

Eoy:8 years
Designation : Technical lead.

Hi ZS ers, what should be the right salary for DAAC role at zs, YOE:3.2

Going to Denver mid December, would like to drive up to the Rocky’s. What trail would you recommend for a day trip and wouldn’t be too difficult with weather conditions at that time? Is it possible?

Shoutout to VA for enduring a tornado so DC could have this incredible weather

All else equal, is it easier to become direct admit PP rather than promoted to that role from SM or MD? Seems less obstacles. Thoughts?

Is freelancing as a Photographer and Retoucher possible in LA or SF? Is anyone making that happen for themselves?

Small air fryer recommendations please? Confused by so many option!

Hi All

Request your suggestions.

YOE : 4 Year
Role : Data Engineer

I have two offers in hand one from Tetadata and other from Accenture.

Teradata : 10.5 Fix
Accenture : 11 Fix + 21% Variable + 60K joining Bonus

Which one is the best suitable for my experience.

Deciding factor :
1. WLB
2. Compensation
3. Yearly Increment
4. Promotion

New to casing and looking to case with people over the next few weeks. DM me if interested!

what is notice period or leaving GDS -Sat service line

How soon after a final interview with a DM is ok to call and follow up on a job potential?

Hi All,

I completed the APTA test and Technical round with HSBC and it's almost completed 2 weeks but i don't have any update. How can we consider this..?

Please suggest

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

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.

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?

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?

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 :)

Any good wedding ring sources aside from Blue Nile?

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

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?

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?

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

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?

Best high yield savings products?

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??

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?

What does 401k mean?

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

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.

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?

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?