I am planning on purchasing a home in the next 2 yrs. My intention is to take 10k out of my 401k to help with the down pmt. Thoughts on instead pausing 401k contro to save directly? 401k contro/month $360 (me); $90(employer). Currently 27 w/ 15k balance. Only 40% employer Contro vested. Pros & cons of each approach? 401k invested in S&P 500.

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

Hear me out! I left my 15 year career in the corporate world to pursue being a realtor.1) It was never boring
2) It was the most challenging
3) It was extremely rewarding to be able to help families find their dream homes

Upload button in etax is not working for me. I am not able to upload any tax proofs because of the same. Anyone else facing the same issue?

Best resource to learn about the energy generation world and trading? Would appreciate some courses, books, or leads.

I am a traditional reservist so I never really used military benefits before, but could use advice here.

I am currently renting and my lease is not up until October 2021, however I found a good deal on a home and scheduled to close in June 2021.

My landlord will not work with me to end the lease early, so it looks like I will have to double up on rent and mortgage through the summer.

If I went on active duty orders, can I use those orders to break my lease early without penalty?

How do I classify my property for tax purposes if I received rental income for exactly 15 days this whole year? Primary?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

What is the best way to look at historical PE investments? I am hoping to discover new PE firms for networking / sales purposes. Potentially a website specifically that tracks announced PE deals. Thank you!

Big4 Partners: could you provide some insights into how the Big4 pensions work. Assume one becomes partner at 40, and then retires at 50 after full vesting, how much annual $$ you get after retirement?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Ex healthcare workers in Tech/Sales Engineering/ Healthcare consulting;
I have my masters in nursing/FNP (1 yr) making <K70 (Indiana) due to low patient census in my role. No desire for a different FNP job nor to return to bedside nursing (RN 5 yrs). I have heard of some individuals with remote positions making >K100 with little to no experience in tech or consulting after doing a boot camp or cert?
If you pivoted; What’s your current role/ Income & what did you do to complete the transition?

Curious of the retirement benefits at your firm...go!

Deloitte: 1.5% salary match paid out once a year, fully vested after 4 years. Defined benefit pension plan, fully vested after 3 years

Which crypto platform do you use and why? Looking to invest ~$20k - most of which into BTC and ETH. Looking for opinions.

I recently accepted a job that’s fully compensation based on life insurance , health insurance…. Anyone have any thoughts on yr1 pay and the life of it ?

Is Microsoft hiring for candidates with a healthcare background?

Hi folks,

I resigned from Cognizant recently and now the manager is saying they will raise a request for Canada work permit for me.

My question is how genuine can that promise be ? Anyone faced similar situation before ? How Canada work permits generally happen here in CTS and how many months it can take ?

Anyone have a semi competitive men’s soccer league I can join?

What is your title and how much vacation do you get?

Extremely Disappointed with hikes!

Hello! Has anyone ever attended the Silicon Milkroundabout in London or knows about it? I’m attending on November and don’t know what to expect.

Curious on some entry level (2years of experience) ux designer salaries in the Charlotte, NC area? Currently making around 60-70k.

Is a 110k salary fair for UX Designer in a f-500 organization with the following responsibilities:

Wear many hats in UX, for 7 separate digital products
Flows/Logical solutions for the business
Manage entire design system for the 7 products
Do UI design for the 7 products
Provide spec work for dev teams for each product
Random graphic design requests
Lead a team of 3 designers
Do manager role to organize the work under agile design sprints with Jira boards (daily scrum, refinement, grooming)

Hi, please confirm what will be the work of Wealth Manager Band 1 and how much is this profile involved into core sales .. or is it a customer service profile? I am very new to banking sector so will they provide training after joining or not?

Is Behance the best resource for a new online portfolio for someone in marketing?

I'll switch to a startup as the only data engineer and will closely work with all the Head ofs + the CTO.

Any advice/books/... on stakeholder management at that level? Especially when things fail/discussing budgets/new hires etc.

Why doesn't my wife get that it's just me and the great dane now. She making this awkward wanting some room in the bed.

How would you rank this tax year compared to others? Is it much worse? I can’t decide if it’s just me being in a new role or what, but busy season seems to have been going on since January

How do you handle the next day after being up until 4am the night before on a deal? My other deal teams don’t know I was up so late, but obviously I’m going to be much slower in the morning. It sounds whiny to say “sorry for the delay I was up all night” when everyone else is also so busy...

Best books on business/ negotiation/ leadership you have ever read (and use practically)!?

Do you invest in initial coin offerings?

Any advice for those laid off? Such a tough job market :(

FAANG ranking: Google, Netflix, Facebook, Apple, Amazon. Is this correct?

Would a g/xoogler be willing to message with me about Google Consulting Services? I'm super interested in a role I came across recently and want to learn more about it. Would appreciate the help. TIA.

How do equity refreshers at Google work? Does it mean you’re always at “year 1” of your vesting period whenever it refreshes?

Leave it to a 2% dip in a day to send people panicking lol

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Any accountant recommendations in NYC? Looking for someone who understands the travel situation of consultants, etc. TIA!

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.

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

Thoughts on Lockheed? Dropped lower than it's been in a while. Think it's a good time to buy?

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!

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?

How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

Need help on how to invest. We are positioned to pay off our house later this year. Expect to work for another ~20 years. 401k fully funded and have some company stock investments maturing over the next few years, but no investments outside of that. Kids have a prepaid college plan for certain schools. Emergency fund is solid. Where should I look to start investing? I have fidelity for my 401k, would they be good to open a taxable investment account with, or are there better options?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?