Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

My 2022 w-2 has states tax paid in California. But I was living in Illinois. I have paid more taxes per my w2. Do I need to file state tax for both IL and CA?

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

Need to urgently find a 500k job. Can't keep up with mortgages with anything less. Any advice?

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

Anyone recently got a mortgage through SOFI? can you please share your experience?

I have access to $600k in interest-only (~3%) funds from parent's line of credit. Trying to optimize allocation. I'm closing on a $540k house in TX, looking to Airbnb it for $3k+ a month. With rising interest rates, I'm considering investing in another house in the Bay Area when prices drop. Wondering if I should pay the TX house in cash & take out a mortgage for the CA house, or split the $600k across both and take out 2 mortgages, or pay off the TX house and use a HELOC for the CA house. Thnx!

How is the blended state tax rate calculated. Say I have the state deferred tax number. What’s my denominator to get to the correct rate? Is it the pre tax

Anyone feels like they are earning more, spending more and worrying more?
#financeinsingapore

Is QEF inclusion dividend or not? Sometimes, I see QEF inclusion reported on Line 11i and sometimes on Line 6a. I think we can rely on Sec. 1293(c) but I think it’s not foolproof. My hunch is since QEF regime is tailored to treat the PFIC similar to domestic mutual funds, we should not treat the QEF inclusion as dividends. Any help is appreciated.

Hello people.
Can you guide me about what is the industry standard for an analyst role in a Mid-Level Indian VC firm which has made investments of about 3-5 crores in each of its portfolio companies? Couldn’t find much over the net for the indian scenario. I need it for negotiations.

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

Did anybody buy a laptop from home computer reimbursement...how did the refund from the company ..was it all at once or monthly for 3 years

What would be a reasonable cost of renting for a single expat dude in Singapore living in decent area ? Would sgd 4K suffice ?

I’m a healthcare admin professional looking to transition into a new role & I’ve just updated my resume but I’m afraid it’s too long. I’ve even taken irrelevant experience out & it’s still about 3 pages long. How do I shorten 10 years of experience to ONE PAGE???? Helpppp lol

Has anyone used CrowdStreet? I am currently investing with Fundrise but the returns on CrowdStreet seem more attractive.

PwCers with the firm 401k - I don't know how I should allocate my funds. For example the index funds - which year 2015-2060? What about tier 2 or tier 3 options? Help please!

Best loyalty program tips / hacks for maximizing points while on the road? Credit cards that give best benefits?

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

Hi Fishes ,

Im looking for a new job.

Tech Stack MERN/PERN.

exp : 2 years

Looking for a referral

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Any Hyatt or Marriott recs in LA? Nothing expensive though pls

What does QRMTE - expectations not met signify? How does it affect?

Best dating app for india.?. Sick of being single in wfh

Anybody living in switzerland? Keen to escape the German political corona madness and looking for job opps/referrals in switzerland

Hi Fishes,

Anyone knows about Apple hi-tech unit in TCS , what it is all about???

I’m a junior in big law and in the short time I’ve been here, I’ve noticed that counsels produce perfect drafts and yet aren’t partners but partners can’t write two sentences without numerous typos. Shouldn’t counsels be partners and partners counsels instead?

Got an offer from Mphasis as project lead systems in testing practice team, can anyone guide me how is project n what client they have. Not getting much info from HR

Is it ok to switch to Big data tech stack like Hadoop, Hive, Python after 7 years of experience from .Net technologies ? Which of the two field is good for long term perspective.

All my office has done about C19 is check everyone has Slack on their computer, just in case things get worse. Should I worry? Or is this normal for the UK right now?

Hi fishes,

Does anyone know how is the mastecard project at hcl for automation testing. Is it good regarding to work culture and wlb?

@hcl

Can you lose your job if you don’t like the animosity from your creative team and speak up about it ? Genuinely worried I might be disrupting the peace by saying something 🥴 the anxiety is terrible! Do I just accept it that they don’t like me or speak up and potentially burn that bridge?

Hi Fishes,
How much salary can we expect with 7+ YOE as a Unity Developer?

Anyone from AlixPartners willing to chat? I saw an opening on LinkedIn and I’m interested.

What's a guilty pleasure you indulge in at work?

Has anyone used CrowdStreet? I am currently investing with Fundrise but the returns on CrowdStreet seem more attractive.

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

Is ARKK still a good ETF to invest in?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Thoughts on GXTG? (Global X Thematic Growth)

NIO stock a buy? Looking like it'll drop tmrw with new share offering, will be looking to hold longish term

X Financial (XYF) - China-based company - IPO tomorrow. Who is buying?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Have 1M+ assets at vanguard (some vanguard funds and ETFs). TDAmeritrade offering me about $1800 if I transfer them over and they claim I could do so in kind, so no liquidations. Do it?

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Hey 🐠,

I am approaching the Roth IRA income limit, and have a pre-existing Roth IRA that was not converted from a traditional account. Is there a way for me to take advantage of the backdoor Roth loophole while funneling the money into my current Roth? Or, do I have to set up a new account, convert it to Roth, and make all future contributions into that account? I’ve already asked my broker, and they have not been the least bit helpful. Thanks!

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

Can I use my $$ from Roth IRA to buy a house in Canada?

Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

What is your preferred online brokerage and why?
I like TDA’s tools and research. Vanguard is best for ETFs/funds but stock tools are nonexistent. Robinhood? Why? Thanks!

What is a good app to use to predict the market before market opens each day?

Hey 🐠 , how do you guys shop for car insurance? Having a hard time finding a true aggregator site for comparison—they all direct me to individual insurers for quotes. My rate at GEICO just went up 40% so want to shop around a bit…

Have 1M sitting in cash. Would you dump it all into VTI or DCA?

Having to override my cost basis on ESPP shares when filing taxes. Tax statement says cost basis is my discounted price, but I’ve already paid tax on the discount thru withholding.. cont..