How do people here reduce their tax bills? Me and my SO earn about 400k gross and take standard deduction. We don’t own real estate, only S&P500.

I currently have both of my retirement IRAs in SPY (Roth & Traditional). I rarely ever see anyone here invested in SPY, it's usually a vanguard fund like VOO, VTI, VXX etc. What's you're reasoning behind that, and alternatively if you're in SPY, why?

What’s happening with $GHIV today? Took someone’s recommendation to buy a couple options and I’m +50% out of nowhere. Wasn’t expecting this to kick in until closer to the January merger date. Keep holding?

When does HSA contributions show up in BOA account? I’m seeing HSA contribution deducted from my paycheck but nothing on BOA account.. had three paychecks so far. Also, does Deloitte deposit a one time firm contribution to HSA account?

New to investing. What are some good stocks to buy apart from from investing in ETFs?

If I've maxed out my TFSA, should I continue investing through an RRSP or a personal investment account?

For context, I also have a good pension. My main concern is that while the RRSP will be nice to lower my taxable income now, I'm worried when I retire I'll have to withdraw too much from both the RRSP and pension. Thoughts?

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

Guys - how do y’all split bills during dinner with friends?
SO and I went with a group of friends and folks wanted to split by 10. I don’t mind a one time paying more situation but this has been happening a lot.

Advise for TFSA investment in Toronto?

Looking for a financial advisor. Any suggestions?

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

How’s everyone planning to use their YE bonus + tax return (if applicable) this year? Personally, I’m already maxing out my 401k, Roth, and have crypto exposure (mostly ETH that’s staking). Any other suggestions?

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.

Where should I invest money ?
Apart from shares and mutual funds.

Note: max amt - 20 lakhs
Need good return
Blocking period can be of 5-7 years..

What are the best ways to increase my assets and decrease my liabilities? Specifically for the age range: 21–30, paying down my student debt, need to pick my next investment targets

I will be a US citizen in a few months. Does this mean I will need to give up my Aadhar card along with Indian citizenship? What happens if you have property in your name? Needs to be transferred?

Consultant making 75K. Can’t really save much after 401K and $1300 rent. Should I have more left over every month than I do? Almost $0 right jow

Should I stop contributing to my 401K and put all my energy into paying off my student loan? Right now it's unconsolidated so there are rates between 3-6% and it's 20k.

M here who has a decent amount of random grey hairs. Rest of hair is very dark, close to black, so they stand out. Any recs on how to get rid of them?

Ya’ll take ya vitamins today?

New York’s court system is postponing all “non-essential” services starting Monday.

Should I specialize in Blockchain or AI? I’m a freshman in a CS degree and I can’t decide. My main argument to choose blockchain is the easy entry with little experience and high salary, I plan on growing my skills during the bear market and get a job once the market recovers. Regarding AI, I find this field fascinating but I feel like it requires a lot of experience, degrees and diplomas.

When you block someone in DMs, what do they see on their end? Do you just disappear?
(I'm trying to block someone lol)

What is the salary range for senior tax analyst in ey

Hi. Can someone please tell me what is the salary of an Associate consultant for a homegrown associate.

What to expect for AC>C promotion when you are already at the top of AC pay bracket?

Hi all!
I’m currently on my last year of university, pursing a computer science degree. I have yet to get an internship, or any experience in tech. Any advice on where to start? I would be attending part time in the spring semester and taking night classes so I would like to have something set up for January, let me know what you think. Thank you in advance.

My professional life at the moment is far from ideal. I’ve been on quarantine (long story, but a good one) for the last seven years. Royalties from my books don’t pay the bills. My entrepreneurial pursuits remain hampered. For the interim, I’ve been looking for a remote opportunity where I can leverage my skills in marketing, sales, social media, and elsewhere for a decent sum. I have a social media presence which, in recent years, reached millions. There has to be something exciting I can do.

Looking for an opportunity to work in the logistics/shipping industry as an executive in Singapore.

May I request for help . Currently a diploma holder and will upgrade myself with a part time supply chain degree, enrolling in January.

Many thanks.

Do you feel sad when engagement finished, as a result, multiple people got fired from client side? Actually not their fault. But executive get rid of them to cover their own ass. I felt like shit...

Are online Masters degrees any good? Do they carry any weight relative to conventional Masters from Ivy plus? So something along the lines of Harvard Extension school (Psychology degree), or Columbia Master of Social work…

Last night my 9yo said, “wow mom, Idina Menzel is 48 but she looks way younger than you!” (I am 38.) Then I put makeup on this morning and she said, “well, you look nice but you still look worn out...

How hard is everyone pushing their corporate clients to authorize nonresident assignees whose only 2020 US compensation was the value of their 2019 tax preparation?
My clients are pushing back on it this year, and I can't say I blame them. If I were in their shoes, I'd rather take the risk of not filing than the expense of filing again. From my own point of view, I don't really want to spend my time on such returns, either, even if the revenue and easy return are nice.

Decided to payoff my mortgage.

As an investor, do you choose longer or shorter amortization periods when paying off your mortgage and why? Will return on investment be higher if the amortization period is longer?

Need an opinion on the Vanguard VIGAX/VIGIX. I’m index riding with that fund but am wondering if I should shift my risk and go with VT or another Vanguard fund. Thoughts?

Anyone know of a good cross-border US/UK financial fiduciary?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

Recent college grad with ~$25k in student loan debt and no investments. I have about $10k I want to invest but I have no idea where to start. Please help

If you had 2 mortgages at the exact same interest rate (1 is a 15 year and the other is a 30 year), does it make sense to put extra payments (say 400 per month) towards one or the other? Looking at it purely from a $ perspective in the long term (not psychological where You prepay the lower balance quicker to ultimately have only one loan).

15 year loan - 125k balance (renting this property out)
30 year loan - 400k balance (looking to buy this property soon)

How’s would your FIRE impact if market corrects 20-25% from here?

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

What do you estimate to be your personal functional inflation experienced over the last year?

I know the fed says 8.6%, but that number is averaged over many products normal people don’t frequently interact with.

I’d rough estimate something closer to 25% cost of living inflation over the last year for myself.

Do you DCA or lump your December & April bonus into ETFs?

Can I do 1031 exchange with the profits from the sale of a second home into the purchase of a primary?

Thoughts on staking crypto? What’s the safest way.

Has anyone bought a house in pre foreclosure for investments? How do you assume possession of their loan? Do you have to go to the bank and qualify for it or just sign? Also, is there a way to see how much in fees and backed mortgage they owe?

Advice and tips for a first time rental property investor?

I am 24 saving up for my first property to purchase at the end of 2021 / early 2022 in the Long Island, NY area.

I’d like to save up around $50K in my HYSA for a property <$400K in LI. Does this sound reasonable?

Does anyone have any advice on investing in the LI area (best location, SFH v MFH) or just general first time rental property buying advice?

Thanks all

I left my job a month ago & my 401k match never vested, but is still in sitting in my account. Is there anything I need to do or will my old company take it out on their own? They never mentioned anything when I left. TIA!