Hi! I maxed out my Roth IRA this year.. recently changed jobs and it looks like I may just cross the income limit. What should I do?

I know my contribution but not sure of the dividend earned against this year's contributions. I have had the Roth for a few years now.

Maybe Andrew Yang is proposing a Freedom dividend so that he can afford a tie?

If you need cash from your portfolio is it better to sell stocks at a loss (presumably stocks with least conviction) or sell your stocks with gains (those that have done well in pullback)? Also how do you mentally deal with large drawdowns on your portfolio?

Are Certificate of Deposits (CDs) getting popular again with the rate hikes? Thinking of putting some money in since I’ll need to buy a house in 2 years.

If my SO gets rid of her Sapphire Preferred card and only has the Freedom Unlimited, can she still transfer those points to me or are they strictly cash back at that point?

How do you invest your HSA?

Looking at freshworks stock? Is it safe to join company?

Im a resident but not a citizen of the us, and have not been in the country for 100 days. Do I need to file a tax return? Im this scenario I am unemployed and filing would result in benefits

Accepted an offer from PwC. But noticed that PwC requires the automobile insurance about $100,000/300,000 in personal injury and $50,000 in property damage. Do you really purchase that high premium?

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

I’ve been living at home to save a ton of money. When do you guys think I should move out? 🫠

Advice needed - my 12 YO niece wants me to teach her investing. Her parents are supportive. Do I open a joint account with her or an account just in her name?

Investment return from Jan to June (1st half of 2020) was about 40%. However, if I didn’t actively trade, my return would have been 300% during this same period. Great lesson for myself! Share ur lessons learned during 1H 2020

Hey guys serious question,

I forgot to avail HRA to my previous employer. Can I claim in while filling ITR? Current employer only taking HRA from doj ,reply plox

Investors, how much do you put into your STocks ISA each month, how much do you have and what do you use to evaluate where to allocate funds? Any good websites or materials?

Hello Fishes,

For tax savings , I have to submit duplicate bills for LTA, HRA and all .
1. Can you please guide how to get those duplicate.
2. And if I get caught that it is duplicate, what will happen?

Anyone has a recommendation on a personal financial coach?

Massive amount of my NW is in tech investments & crypto.... this is extremely painful. Like about 2 to 3 years of earnings just evaporated.

😔

What region in the United States is best for real estate investing?

Is it a good sign that my firm asked me to help with recruiting and do OCI? I am rather new at the firm.

Hey guys,
How is GMNS - GMS Analytics in terms of the work they do and the project complexity. The team has a job opening for Prod Analyst. Can someone please provide some insights on what tools will one get to work on and other related things.
TIA

What would be average salary in Canada for an engineer of having 10 years experience in MAANG companies?

Hi when looking to move roles. Do employers value experience over a list of accredited courses or do they demand a mix of both.
If your employer put conditions on attending training would you do it? Or would it make you feel undervalued.

Any nyc therapist recs? Someone GOOD, open to any price range

Who are the up-and-coming creative talent in Toronto? I’m talking ACD level and below. The ones who aren’t famous yet. Who do you have your eyes on?

Considering getting myself a watch as a promotion gift. I really like the OPs but I would like something I can actually get. Any suggestions for stuff in the 32-36mm size range? I’m female and have small wrists.

Dude 🐠: what’s the best face shaving cream? I buy Jack Black Supreme Cream for my boo, but is there anything better out there? How’s the Kiehls Ultimate Brushless Shave Cream compare?

One of my favorite things about working from an office is that my team has a strong emphasis on collaboration and communication—we have daily stand-ups and weekly meetings where everyone on the team gets together to talk about what everyone's working on. That's definitely made it easier to stay motivated throughout the week.

How do you complain for points/compensation for delayed checked luggage?

Anyone here works in Dunnhumby or Gartner?

What's exactly is pay transparency intiative that Novartis is planning to introduce? When is it coming into effect?

Hi,

I am an engineer with 3 years 11 months of experience. I wanted to explore abroad job opportunities. I am aware about the different paths but I want to land a job without taking any visa in advance or going there on student visa.

I tried applying for jobs through LinkedIn but haven't landed any interview. Can you pls give ve me some tips?

I got a offer from IBM (Single offer) Total CTC 8.88 lpa. HR is pushing for early joining

YOE-4.8 Relevant module 7.8 in overall SAP

Is this good offer?

NYC 3 night visit

150K IHG points
150K Marriott points

Which hotel would you recommend? Willing to pay for the third night if we end up staying in a high end hotel. But not sure if it's worth it.

Hello everyone, is there any openings for designing and animation field?

“What will the account think?”
“We’ll burn that bridge when we get to it.”

Anyone follow Millennial Revolution?

I missed all of the market rallies due to restrictions at my old job and personal stupidity/FOMOing into crappy investments.

But I’ve moved to a new job - any advice on capital allocation for a 24 year old who’s making 250k, with 125K in NW? Obviously still in a great spot but am definitely behind some of my peers who’ve already become millionaires…

Has anyone here taken up lower pay or reduced hours as they were further along in their FI journey? I’m really struggling with accepting the loss of potential earned income after prioritizing every $ for so many years

Context: 35F, 750K NW (no debt or mortgage), 200K salary, but live far below means. Want to go to 60% hours so I can enjoy life more and prioritize mental health, and eventually have kids one day

Joining a startup without a traditional 401k (not US based). Are there any other equity investing options besides IRA and standard brokerage contributions?

What’s your retirement withdrawal strategy? Age, $$, reinvestment into other instruments (life insurance, property, trust…?)

Well my work gym just added Peloton and I just got my Peloton last month. I really love it so far. Not sure if I should return it now that my work gym has it? Also, I don’t plan to be with my work after summer hopefully. So maybe I should just suspend my subscription for now?

At what income level / net worth did you get a financial advisor? Never had one, thinking about looking into it.

Can you do a rollover IRA to employer traditional 401k AND a backdoor Roth in the same year?

What if you are married filing jointly? What is the catch for IRA balances?

Does anyone have one of those Infograph’s that show how to optimally allocate your savings? Something like 401k match > HSA > Roth etc (example, I’m not actually sure what the steps are).

Question for home owners - do you prefer to roll your Homeowners Insurance into escrow and pay over the year? Or do you prefer a 1x payment. My insurance is offering a discount if I pay at once

Has anybody used personal capital advisors? Is it worth it?

What does FIRE actually look like for yall? Does that mean you literally dont work anymore and just plan to take distributions out from retirement/savings? Or just not work in a company but still rely on some type of passive income like monthly rental income or a passion proj turned business?

Hi everyone, I’ve seen a ton of posts recommending bogleheads. Would you all be willing to attest to it personally and share what kind of growth you’ve seen by following the simple three fund philosophy (or bogle’s philosophy as a whole)?
New investor here, a lot to learn so thanks for all the resource you all share.

I had about $100K cash saved up for business school, but now have a $40K buffer because I get a firm stipend and wont be able to travel for the first year. What would YOU do with it - invest or keep in cash/CD? I won’t need it for another year, if I need it at all.

Need help from experts here. I have about $3K in traditional IRA that I contributed 5 years ago, post tax. I want to start doing backdoor Roth IRA this year. I understand I can contribute $6K into a traditional IRA and immediately move this to Roth IRA account. But I am confused about that $3K that I currently have in a traditional IRA. Can I leave that $3K alone, open a new traditional IRA account, contribute $6K and move to Roth IRA immediately? Or does that 3K have any implications for me?

Anybody have a mortgage provider they like?

Who’s on their way to FAT FIRE?

HHI of about $520k. 2 little kids. No debt but very little in actual savings (estimate $250k). Looking to buy a home, what’s the realistic price range I should be going for?

We want to be ready to buy a house in about a year. We currently having money sitting in some CDs, but I feel there is probably smarter ways for us to be saving the money. Advice?