Hi friends,

I'm 27 years old ,married women with 2 YOE with 40k salary.

I'm the sole bread winner of my family .

I got married 2 years back , i don't have any savings in my hand , all my jewels are in bank for loan, and all 40k is paid for loan , apart from that we would need to keep any jewel for groceries/food . I don't know how to come out of this .

Now my husband got job , and we could able to save 2.5k everymonth , please suggest SIP plan for 20 years which gives good returns,pleas

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

Does anyone know if the 10% penalty and if taxes are waived on a death of a beneficiary? A friend of mine’s 17 year old pass away. I was wondering due to the circumstance, is there any way he can get around paying extra money by doing a 1035 exchange, rollover, withdrawal. Anything out there? Suggestion are welcome.

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

What is a reasonable monthly budget for single folks living in Manhattan? I eat out rarely - maybe 2x / week and have the usual high 1BR rent + Wi-Fi + electricity and am netting monthly expenses at around 4K. Any other ideas on managing your money better?

Does anyone know the plan between the Chase Marriott card and the AMEX SPG?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Is the GSU price while vesting based on the market rate at the time of vesting or is it fixed based on the stock price during hire date/month?

If I were to invest $1000 today, would ADA be a good place to spend the money? Heard great things about it, but interested in knowing if this is the right time or if I’m late.

Goodbye XRP! Thanks for the awesome gains and good luck hitting that absurd $100B market cap 😁

What platform do you use to buy Bitcoin and Ethereum? I need to move off of Robinhood and am looking for a platform with low transaction fees for buying as I DCA and occasion sell each year to step up my basis.

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.

Is it a bad time to open a gemini account? I know the SEC fined blockfi and stopped new accounts from earning interest; Voyager, Celsius, and Gemini were next to investigate. Should I wait for that to settle down first? Interested in using gemini earn for their GUSD interest.

Another question, how is gemini active trader? Fees seem lower than coinbase pro if trading low volume, but would love to hear thoughts on how well it works.

Should I lease a car or buy it? Which is better? Does it impact the insurance rate?

I pay $500+/month for health care premium and after going to urgent care for an injury I still ended up with a bill that was over $500. Curious to know if any freelancers are not on a healthcare plan and how that affects your taxes for the year.

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Is there any group of people interested in playing poker on weekend. Obviously not with real money XD.

What is fastest way to improve both structured communication and thinking? Any helpful books or drills?
It’s the one consistent feedback I get while casing , “to be more structured” I’m there for math ability , business logic , creativity.

If I have an interim clearance and leave my job does the investigation get scrapped or is it already funded? I would be transferring to another firm where I would still need the clearance.

This is a community to commiserate with other unemployed fish, share job opportunities, tips, etc... I hope it makes everyone in this situation feel less alone.

Any insight on Hunton Andrews Kurth Real Estate practice group? Work life balance, type of people in the group etc. Anything at all would be helpful!

I went from agency to in house PR 1.5 years ago (I’m at a prof services firm in nyc). There are no boundaries for communication; everyone is expected to answer emails immediately at all hours and senior people respond in minutes between about 7am-11pm, at minimum. Is this normal in the corporate, non agency world? Not sure if this is just due to the pandemic and WFH, but I was under the impression that in house life would be more chill.

BCG versus McK for digital consulting? If we are looking broadly at the digital transformation space, then what are some of the strengths of each of firm as well as any glaring drawbacks?

Looking at Forrester, they are both leaders in the space, but it would be helpful to understand the perception of each.

My 70+ year old dad just got on Facebook and kind of rocking it! He is just on there spreading the positivity. Ha ha

And he only had to create 4 accounts to do it.

Is Art Director’s Club (ADC) worth submitting work into for their awards show? I know its not on the scale of Cannes or D&AD.

What’s the word on Ace Metrix? Pros, cons? Every tool has them. More and more of my clients are using it... both for creative pre testing and measurement.

What does it mean when a partner gives associates, especially junior associates, origination credit? Practically, I don't think it makes a difference except maybe for bonuses, but I'm wondering if there's any deeper meaning than extending gratitude?

Considering an offer to go from firm (4 YOE) to become a privacy/product counsel for a tech company (non-faang). One concern for me is the potential of a recession in late 22 into 23 with the fed rate hikes. My fear is if that happens, me being on the chopping block as new in house counsel. If I stayed at the firm, I feel reasonably secure as an associate of not being laid off due to the market. How do in house counsel positions typically fare during lay off cycles? Any experiences to share?

What is the hierarchy at Pune. What does a VP do and what are these A,B,C grades? Can a salary of 75 lacs be offered at a VP level?

If your an experienced staff or senior with hedge- fund experience and want to move to Dallas, DM me to discuss discretely. Honestly great team. Turnover has been low for last 18 months at 10%. Compared to 40-50% in other places. Crazy hours feb-apr, 40 apr-jul, 45 in Aug, maybe 50-60 that last week of aug/ early sept. <40 post 9/15. We have a need at the senior level to fill a gap. Seniors help is needed everywhere so if your interested, come cash in your chips!

Can anyone help in understanding small, mid and large cap?

I have recently started with mutual fund journey ....first step is I have invested in elss for tax savings....guide me with further steps

You can ask anything about mutual funds in India here.