How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

What funds do people have in their 401k plans? And how did y’all decide allocation? Can’t tell if I should be more aggressive given I’m in my 20s.

Think this consolidation period is going to end in the near term, primarily driven by:

1. Microstrategy “open sourcing” their playbook for purchasing BTC as public company

2. Coinbase to offer staking for ETH in Q1 ‘21 - think how much will get locked up.

3. GME / stonks fallout - retail may moreso see the benefits of decentralization and crypto. Yes Coinbase is CEX to get you onboard, but DEX can’t be turned off.

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.

Frustrated by paying so much tax!

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

2021 roth ira limit is 7k? Or am I reading it wrong

Help me 🐠Thinking of buying a home. With all that is happening politically wondering if the current govt will create an unstable economy and dip real estate prices. Should I wait a year or 2?

Today I’m thankful for Bitcoin, Ethereum, and Coinbase. (And this community too)!

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Looking for ways other than litigation to penalize fraudsters for cancelling transactions and stealing “pending” monies. Can this information be given to the credit bureau in order to negatively affect their credit? Or, anything else that can be done to hammer down on these types of issues, bad debt as well.

How did you get started with your personal investing in stocks? I am 26, F, and currently have a 401k, and some money in stocks but not much. I’m extremely interested in investing have been reading and listening to podcasts. Any advice?

Recommendations on how to simultaneously pay off student loans and invest?

Hi,

Not related to careers. Anyone got notice for last year tax return esp on high value transactions?

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

Monday Wordle :

Wordle 401 5/6

⬛🟨⬛⬛🟩
⬛🟨⬛🟨🟩
⬛🟩🟩⬛🟩
⬛🟩🟩🟩🟩
🟩🟩🟩🟩🟩

Anyone tried Changelly? Their exchange rates suck!

What are different levels/positions present in Marsh McLennan?

Hi capgemini folks,
I have joined capgemini recently and till now can't find accommodation as per my requirement in Airoli. So can i stay at Capgemini's guest house for a few months? Anyone knows anything about that?

Has anyone appeared recently for Microsoft drive, how many days does HR typically takes to get back to the candidate for the results, it's been a week and the HR is ghosting me, I've gone through 4 rounds of interview including hiring manager.

Posting for an LA friend looking for a freelance strategist with digital experience (app & website work) to start in Jan. PM me if interested. Thanks.

Looking for freelancing opportunities in data engineering. My skill are Java, Python, AWS, GCP, Apache Beam, Apache Spark and Flink

Hi good people of this community! Anyone working in the ESG/ climate impact space? I have 6+ pm work experience in deep tech/ emerging tech, looking to pivot to this green tech/ climate tech space! If there is anyone who knows someone else I could or should reach out to via networking platform, i can DM as well for such suggestions

Looking to leave my current role but scared of financial outlook, graduated August 2022 and have 2 YOE of formal experience in tech under my belt with startups and large companies. Currently making $70k base- is that realistic anywhere else other than startups/tech for a marketing or sales position?

Wanting to pivot into medical device or med sales.

Amazon should act as Santa during the holidays and deliver one gift fully wrapped from your wish list for free every year to everyone with Prime just to say thank you for choosing us. Bad idea or good

How common is it for a strategist to have a website/portfolio?

Average years of experience to become Associate Strategy Director? Then Strategy Director?

Guys, I am on NP and i need one roles and reaponsibilities letter which will highlight all the reaponsibilities i had ..anyone know how to get that. Is there any portal or i have to reach out to someone

I’m an experienced candidate who recently got an interview at BCG. Assume I’m not successful and I were to go for a one-year MBA starting in the fall, will I get an interview even if I don’t do the GMAT? I heard MBBs like the GMAT for MBA candidates, but if I can get the interview without the MBA, will the gmat make a difference while I’m in the MBA?

Anyone knows the Post MBA salary at BCG Dubai, starting base + bonus?

Can anyone shed light on what someone in DDV at PwC would make at the other big fours? Feel like we’re severely underpaid. I’m a Senior Associate with 4 Y.O.E.

Gosh I am so nervous about Sterling background check - had a couple of unpaid informal internships in college years ago, only email offer and correspondence and reference do not respond (all left).

What are the hours like for MBB data scientists? 50-60? 60-70? Or more?

Does Bain and BCG have an implementation arm similar to McKinsey Implementation?

Do I charge flight time to my client... or the General admin code? #newhire

Hi Fishes,

Need one info, do we get any hike on completing probation period for laterals. Thank you.

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?

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

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.

If I have a six year old and 150k in a 529, can I say I’m done?

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

How do you boost your credit score within a couple of weeks? Very small increase needed.

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

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

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 :(

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

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?

I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

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