Hi Fishes, my mom is in an annuity that she doesn’t understand.. it’s pretty complicated and I don’t understand either. The annuity is highly rated but she feels it’s not performing the way her advisor said it would. Is there any kind of 3rd party services that review a portfolio and can explain it? She’s looking for someone not trying to sell their services. Not sure if this exists outside of meeting with another financial advisor..

Do any of you guys invest in iShare ETFs, specifically in $KSA? Looking to invest in Saudi development boom, but unsure which ETF vehicle to choose from.

Thinking of dipping my toes into real estate and wanted to see if anyone has any books/ podcasts/ courses or even any tips or advice that you wish you had when you got started?

Goal is to diversify my investments past the stock market. Any help is appreciated!

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

I'm 21, trying to build wealth. I need your help!

In the next 5 years, I plan on buying a house but there are so many investment options, I don't know what to choose.

I can invest upto 30,000 a month, please suggest!

The current state of market has me confused. I need an AR of 10-15% with Medium-High to Very High Risk profile.

Thanks!

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??

We probably want to sell our house in the next year or two. What are all the things to do before it goes on the market? E.g., repaint interiors, have handyman fix all the random small broken things? Get windows washed? Touch up landscaping? Any guidance on what you really have to do vs what you can skip? As example, if paying $10k to repaint the house means I can charge $10k more then it doesn’t really seem worth the effort (nets out anyway)....

If you have to pay back a sign on bonus do you get back the withholding on it when you file your tax returns? For instance if the sign on bonus is 10k, there si withholding on that. So you actually receive 6k (assumption). But if you leave the company you pay back 10k no? How do you get the 4k back?

How much money would you need saved to quit your job? Post age and amount. I’ll go first. 36, 5 mil.

Welcome to the United States of Venezuela. I took my own money to help pay down my son’s college debt. I guess I wont be getting that money back. Unbelievable.

EY Fish, coming over from PwC. Does the Roth 401k have ability for in-service withdrawals (eg. mega backdoor Roth)?

What motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

Does anyone think Biden will *not* further extend the pause on student loan payments until after the election?

Hello,

I am filling itr for the first time so I'm a bit worried, as I bought some coins in exchange transferred to metamask, then swaped coins, the later transferred the coins back to exchange. Now I don't have the metamask address, so i dont know the transaction i did.

While filling itr do I have to disclose each trade or just the net profit?

Is it normal to pay 1 month rent as Deposit when you are moving into a new place?

I recently signed up for a 0% interest (for 15 months) credit card to help with paying off credit card debt. I’m happy with the decision. However, I’m uncertain about the best way to use my upcoming..

Desi Fam,

This question is to home owners in America.

What are the major factors you have considered before buying home?
How much percentage you have put in as down payment.
Are you satisfied with your decision

Please share your opinions.

I’m a new associate to a T&E group, partner goes away on vacation and leaves me with a 706 to review and sign. The family is very wealthy. Decedent married for 60 years. Partner says it’s “just a DSUE election, decedent was ill for years, no assets.” Provides no records. Not even an admission the decedent owned a toothbrush. So I looked up the decedent’s home - it’s a joint asset. Partner was “surprised”, and still insists “no other assets”. I found file references to art and antiques.

Does anyone else worry about their parents retirement? They're late 50s not financially responsible, have pennies saved for retirement &dead end jobs. No way they retire by 65 & not sure how to help

Thoughts on Snowflake? Had a brief intro on the architecture and looks like a scalable solution for the future. Thoughts?

Ladies what's a good Christmas gift to give you?
Under $ 600

😀

How much do B4 managers make? Let’s see

Any on-site opportunities??

Work in a NYC law firm. A lawyer I’ve had close contact with tested positive on Monday. We have an “optional” work from home policy. Partner made it clear he expects me in the office still. So I was.

How do you go about not underselling yourself on a resume/interview while also not exaggerating your accomplishments? I have a lot of team/group experience but I think it would be an exaggeration to just say for example “formulated Omni-channel marketing plan targeting gen x consumer in consideration of a buy now pay later plan”. I had a role on a team and contributed, but I have heard recruiters are off put by stating you were part of a team effort since they don’t know your contribution to it.

Ladies - don’t forget who’s “getting your husbands back to work.” Make your vote count!

Did Mitch blocking stimulus cause these elections to go Blue?

Do you guys know what is I-129 and what is the purpose / stage at which it is filed ?

Ogilvy leadership talk alot about transparency. I would love them to put their words into action. Lauren should come out and confirm that she did not get a bonus (the sad truth of the matter is that despite layoffs, revenue and margin declines, it would not surprise me if she did). Sad state of affairs. Happy to stand corrected.

Wanted a dog since I was a small child. Found out I am allergic to some species. If when looking I fall in love with a dog who I happen to be allergic too, what are my options?

What is the incentive for Bitcoin miners once all 21mil coins are mined?

I am a young and a woman of color. I am an incoming associate at an established firm in a relatively small city (~80k population). I like the firm very much. I am, however, the only woman of color at my firm. I grew up on the nearby reservation. I have recently been vocal about a local business changing its name. The name venerates an individual who massacred native people. It made the news. Am I ruffling too many feathers? Should I be less vocal now that I will be a lawyer? I feel uncomfortable

Please help to unlock DM.

EY, question about utilization. If we hit 40 chargeable hours for the week, does charging time to admin/auth-proj. impact utilization in any way? I’ve only been logging chargeable hrs in GTE...

Recs for neighborhoods to stay in Sydney, Aus? Traveling with older parents and probably looking at an Airbnb vs hotel.

Can you request a credit increase for the CSR online/in app or do I have to call? Don’t see the option anywhere.

How do I get a side hustle?

Do any of you guys invest in iShare ETFs, specifically in $KSA? Looking to invest in Saudi development boom, but unsure which ETF vehicle to choose from.

My lease is up September, 2023. I know that’s a bit away, but I’ll definitely be moving out from my current apartment and I’m wondering if I should be considering buying a co-op or continue renting. I have the money for a down payment, but wondering if it may be better to rent for a little while longer and save for an actual house

Care to share your favorite investing resources? (Books, websites, podcasts, videos, etc) I’m 24 and looking to get more into investing

I was going to buy a condo this year and I just found one in a pretty good neighborhood. I do feel it is being sold at a premium but I can afford the property and locked down a 5.5% interest rate after a buy down costing 4K. Should I hold off on buying a place. The monthly payment is higher than I would have wanted but I feel like buying is better than renting because you are investing in yourself.I had saved up 40k and it’s in my account for buying. If I don’t buy what should I do?

I got offered by my financial advisor to enter a closed private equity fund that has the objective (not guarantee) to 2x the capital in 10 years. That would mean a consistent 7.2% p.a. though I won't be able to sell, which is not a problem.

Do you think it's worth it?

I use this financial advisor because he's a family friend and I pay close to no fee and it was a nice way of getting into investing.

I contribute to 401k, HSA, and Roth IRA, and have enough expenses saved up in savings... should i be investing in stocks/funds with the rest of cash i have left every month?

Base salary is $220k and I’m contributing 10% to 401k. Pwc also contributes 6% to my wealth builder. So I’m savings 16%, currently 35k a year towards retirement.
Current balance is $150k and I’m 31. At 4% growth that’s $2.3m by retirement.

Is this enough to live a basic lifestyle with an owned house in NY in retirement?

Should I max my Roth 401k first or my HSA? Do companies match HSA contributions up to a limit?

What can you use tax loss harvesting amounts against from stocks?

How much are you guys able to save each month?

Provide Age & salary for context etc.?

Is it possible to have $0 withheld on fed income taxes? I was only taxed for social security and medicare…i just realized :(

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Has anyone explored peer to peer lending using Lending Club or any other companies. Looking into it as an investment option. Please share your experiences

So what happens to my DIDI shares now?

Does anyone have any links to essay-to-understand explanations of back door IRAs? I think this is something I should be doing but I honestly have no idea where to begin…

Any Big 4/CPAs here buy a home in VHCOL (SF/Silicon Valley/Manhattan)? I’m wondering how do we compete with tech money in CA and high finance money in Manhattan if we don’t have wealthy parents?

I just started reading up on tbill ladder, and it seems like an interesting (and safe) way to lock in decent, tax advantaged, returns. I already have $20k in ibonds, and was planning to put in another $10k in January to lock in 6% interest for first 6 months, but am wondering if I should use it to start building a tbill ladder instead. Thoughts?