How do you choose 529 college plans. Currently in MD but will move to TX or GA in next couple of years. Any plans that avoids locking into specific state and allow to use funds for private or public colleges.

Is bank interest riba?

I have been researching into this these days and there is literature that shares how lending worked in pre-Islamic Arabia. When the time to pay back a loan came, the lender would ask "would you pay or will you increase?" And that increase was usually doubling the loan. Subsequently ever year the loan wasn't paid it was doubled from the previous year.

Feeling cash strapped - Just bought a home and feeling cash strapped. Thinking about stopping 401k contributions for a year or so to get more cash. My firm matches 25% up to 6% of my contribution, so I will also lose this. Thoughts???

I have dal 19 put 3/27. Loosing money there, should I wait out another day or two or cut my losses now?

Adverse selection is a huge issue in trading. You never have perfect information and your decision won’t be perfect for the outcome. This usually means you’re too small in winners and too large in losers.

As markets crash we’re seeing something similar. People are ignoring bad outcomes when they should be working that much harder to protect previous gains and find new ideas. Lower traffic in this thread is a symptom of this phenomenon. Don’t quit just as the value of incremental effort ramps.

Can partners at EY consulting buy as much equity as they desire?

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Does anyone have any experience with B2B buy now pay later? While I understand number of SMEs and volume of online transactions are important drivers, keen to hear different perspectives incase I’ve missed anything vital.

Hi, I work under contract for a foreign company as an APM. I have an import export licence and send the monthly invoice to my HR. My benefits include the following in-hand allowances: food, internet, sports, vacation, training and hardware. Plus a yearly bonus.
Can someone help me out as this is new to me, how can I save my taxes? (I have to file ITR 4)

Anybody made the move to freelancing? Infinitely happier? Enough money after taxes? Asking for a friend.

Any recommendations on anything apart from coinbase to buy BTC in usd? I am unable to find any platform using it. Please let me know if you guys are aware of any cheaper alternative. Want to try altcoins but looks most need BTC which in the end can only buy on coinbase. It takes higher fees and time for buying.

Decided to payoff my mortgage.

Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

What causes a coin to suddenly spike 100%+ in value in a matter of hours? I mean how does demand collectively sky rocket - seems unlikely that so many people would have a coordinated buy?

What does 401k mean?

Hi Folks,
This is regarding income tax proof submission.
I Joined UST on Nov'21 and before UST I was not under any tax slabs. I had only 1 LIC premium being deducted on monthly basis. Though I declared the LIC amount from April 2021 to March 2022. I have still got LIC statements till Dec2021 only.
Also planning to invest in ELSS and term insurance by Jan end. While i only submitted LIC in investment declaration form.
Can someone guide me what will be the process henceforth?

Anyone thinking about buying a house in Philly right now or soon? Anything to keep in mind?

I can’t deposit my check via Citi’s mobile app because the amount exceeds my daily deposit limit.

Is office going to open and be compulsory to attend from Jan?

Any advice on good courses to take/books to read for managing teams/performing well at Manager/Senior Manager level? Managing at Senior Manager level so learning skills like account development, team interventions, budgeting, winning work etc. Thanks Fishes!

Hello fishes, can someone tell me if HSBC EDP provides, work phone to it's employees? Like a seperate mobile device for work? Or can it be requested?

Throwing this out there. My company was recently acquired and I was laid off yesterday. I’m currently 6m pregnant so looking for a company that isn’t going to have a problem with my giving birth in 3m (looking for a miracle). 13 YOE in Marketing (Brand, Digital, Product, Ops). You name it, I’ve probably done it. Team management exp but not required in next role. Just looking for 100% remote, flexibility, and company that puts families first and won’t give me a hard time about doctor appts 🙏🏻

Recommendations for a Roth IRA?

Have you ever taken a career slow down? I am feeling burnt out from COVID and the incremental responsibilities thrown my way over the last 5+ years. I feel like my health has deteriorated. I like my company, but I want to do less. I don’t need to be a HR Director, CHRO, etc. With a career slowdown, I am prepared for a lower compensation and would want decent benefits. Any lessons learned or success stories about career slowdowns?

Is there a pace up on hirings now , or the freeze is still there , I cannot see much posts on recession since a week so is there any good news on hirings?

Boomer. I am in between jobs. Laid off in 10/21 after 16+ yrs, with an ABA firm. RIF. Still on excellent terms. Took my time living off generous package and didn’t seriously start applying until 01/22. Made a rookie mistake and accepted first offer.
Turns out job wasn’t as advertised. Mutual parting of ways 3/22. Due diligence is critical.
Now interviewing a LOT. Some temp work, I still have “it”. I relate to all gens. Willing to mentor AND learn from all. Tech savvy, CTE from day one. Leads?

Joined big tech recently (as a PM) after working at a startup/mid sized tech company. Can someone explain the role of a PgM in context of big tech? I’ve never worked with a PgM before and struggling to understand their responsibilities vs a PM

I'm a cashier. We just got a new manager, and she's making things really hard for us. She starts work at 4:30am and leaves around 2:30pm, but she still expects us to stay until 6pm and work on the weekends! She gives us really long shifts and doesn't give us much time for breaks. And when we ask her about it, she gets mad.

I'm worried that if I speak up, she'll make my life even harder. I don't want to lose my job because of this—do you guys have any advice?

It’s 2020. Is a small dainty nose ring still perceived as unprofessional in the workplace? I work in the finance industry.

As I see KPMG Global Services office is not present in Kolkata, is there any chance of having KGS office in Kolkata in near future?

Does anybody have a class or promo code for Bloomberg Market Concepts?

Feeling disheartened after sending out 100+ applications with radio silence back. No rejections but no invited to interview either. I feel like my resume looks good, but I have not gone the referral route as of now. 1 YOE

Hi guys,
I have cleared all the rounds for LTI post which I received autogenerated mail and then later HR asked to upload documents. In how many days can I expect offer letter?

Do we have access to learning platforms like Coursera and udemy or anything else? Or do we have an option for reimbursement?

Any tips on how to use up gift cards with <$3 on them? I know some stores won’t accept as a payment method. Don’t live in a state that lets you cash out under a certain amount.

Any stores / websites you’ve had luck with? Hate to throw out free money, even if it’s a few bucks

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

For my marriot members. Which cc do yall have for marriot?

Is sending kids to private school worth it? Talking about 25k-30k per year. Living inside city where public school are average. Thinking of sending kid to international school with bilingual program (family speaks multiple languages)…. The money adds up a lot over a lifetime. Especially if we have more than 1 kid.

Schwab users - Is there a way to see what you put into Schwab vs what your current account value is? Seems my account transfers, withdrawals, and selling of securities has skewed my chart and I’m not sure if I’m up or down on my initial capital.

Would you cash out refi a rental property to buy another rental property?

I hope this bowl doesnt become just another WSB 😭😭😭 All I see are 🚀 and GME 😭😭😭

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

Want to buy a house in bay area? Is this a good time? Thoughts?

Anyone know of a swing trading service? Looking to pay for calls/puts direction over weeks- not day trading

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

What are the best investment books or authors for beginners? What are the best podcasts, YouTube channels or bloggers to follow? What are your favorite stock trading platforms? And if you finally have six figures cash ready to invest, what's the best place to start? Which broker / financial advisor would you recommend? This is only for 3-5 years to ultimately buy a decent home for my family.

I'm clearly a dummy so any help is greatly appreciated.

With rates going up, is now a good time to start a CD ladder?

Anyone have any legitimate passive income? I’m talking about something that takes sizeable upfront time investment to get going, but takes <5 hrs a week to maintain.

I’m 32. I have $80k saved. $40k currently invested. Then ~$50-60k in 401k. My plan was to save for a house, but prices have skyrocketed. As life returns to normal...I need to now move out from my parents’ again. Do I bite the bullet and rent in NYC, or stay and save another 12-18 months and hope to buy something? Full transparency: taxes make it very difficult to buy. It’s not the down payment, it’s the taxes.

My company is not correctly integrated with our financial software and $0 has been coming out of my paycheck the whole year despite electing a contribution amount. They've been taking forever to fix it, not sure what to do now :(

How often are you concerned about losing your job? Ever since I got a mortgage a few months ago, this fear has been plaguing me. The volatile market doesn’t help either.