I contributed 1k into 2022 Roth IRA and have realized I will be ineligible due to MAGI over the allowed 144k cap. What to do with the 1k? And what do people usually do with IRA once above the cap, back door?

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

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

I am considering investing in an early stage startup. I know the founders for many years and are more like family to me. I will be investing $100K with a convertible note. What should be the equity that I should be drawing out? I don’t want to draw just the fair amount so the company is not at a disadvantage when they eventually raise money outside of F&F. They are valued at $5M by a startup accelerator and received $50K as part of being admitted into the program. Contd.

Alright team…how do we get rich off the metaverse? MANA coin? $RBLX? Open to any and all suggestions. TY!

FL tax questions: 1.) last year I had 4 longer w2 gigs. Should I get tax preparer or do myself? Seems easy enough but im new to this so 🤷🏻‍♀️. 2.) do you write-off travel/lodging for out of city gigs?

Anyone else into Bank Bonus churning?

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

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.

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Can grad students get $20k forgiven if they got Pell in undergrad but outstaning loans are only for grad school?

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

I just got a new credit card. It came with a Priority Pass membership. I always travel economy, I hardly ever get lounge access. I got excited, until I remembered I can’t travel and lounges are closed anyways. :(

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Downsides to Robinhood? $0 trading fees seems to good to be true. What's the catch? aka if it's legit, why wouldn't everyone use it?

What is your favorite part about being a realtor?

Is putting your rainy day fund in something like VGLT a terrible idea? Trying to consider options outside of HYSA, with a bit more juice.

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

Hi, just got an offer for an L5 and could use some help negotiating. I’m located in LA.

Base: $180k
Equity: $164k
Bonus: $36k

Thoughts on whether base is fair? How much can I request as a sign on bonus?

Thanks so much 😊

Thoughts on the Tech investment banking scene in Charlotte, North Carolina?

Hi everyone! I’m trying to get into the tech field. I have some customer service experience with a tech company. I also have a certificate for IT support. Any leads or suggestions to get a job would be appreciated.

Best aj1 this year so far?

What's everyone thoughts about whats happening in Nigeria? It seemed there was more condemnation with Geroge Floyd from other african leaders.

What is the maximum CTC I can expect from Oracle for 8 YOE for the position of Oracle EBS/Fusion Financials Technical Consultant?

Also please share any insights.

Hello Fishes,
One query, I have received an offer letter from Wipro (Career Group: C1) with package of 28 LPA, out of which INR 420000 is allocated as 'Variable Pay' which will be paid on quarterly basis'. Need to know how much % would generally be paid out? Is it 100% or less as per the individual/organization performance.

Hello everyone! Due to visa issues I will transfer from the US to another Bain office and was considering Dubai. How is WLB (amount of hours)? How flexible is the expense policy? Is it actually fun to be there? Thanks in advance!

Supply chain issues are still a problem. And Fisher and VWR (Avantor) are as greedy as ever. I’m considering looking into starting or investing into a U.S. manufacturing based lab supply company. Thoughts? Anyone work for these companies that can discuss logistics and potential challenges?

I was supportive of Lori when this virus first started but her actions since have dwindled my support of her. I don’t expect her to make every decision correct nor do we have to agree with all of them. I believe she should be correct around 75 percent of the time but I believe she is in the 50 percent range. I know everything doesn’t fall on her shoulder but things haven’t been great as of late. Hopefully they figure out something soon.

Men's fashion enthusiasts, I'm looking for a new brand of suits since my go to brand is not as plentiful as it used to be. I usually try to scoop up a Hugo Boss on clearance. Any other suggestions?

Hi guys, can anyone help me with the hierarchy structure followed at KGS? I have total of 6+ years of work experience. Will I be able to pitch in for Manager?

Looking for recommendations of at home workout videos for first trimester pregnancy. Please share any that work well for you.

Has anyone gone from an agency to an in-house Programmatic team? If so what has your experience been?

Is the a black market for rewards points? I want to get rid of my delta points for either American or Marriott points

Bonvoy-ers: anyone else get assigned a new ambassador today?

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

Recommendations for a Roth IRA?

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

I bought my starter home recently. Want to dump everything else i saved into vti (will be about 70k). Would buy a forever home in say 5-6 years. 5 year time horizon is pretty safe right?

Advice appreciated: I want to sublease my apartment so that I can rent elsewhere and pay less. I had to move in a short amount of time and it was during the period where there was a high demand for housing, & leases everywhere were expensive so I signed what I thought was fairly cheap in comparison to what was out there. However I found something this month that will cut costs by 30%. How do I go about finding someone to sublease my place?

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?

What should I do with my cash in this environment? Have quite a bit sitting in savings which is obviously not ideal with inflation running high. Are ETFs still the play?

What does your NW breakdown look like ? In my case it is as follows
Home equity: 15%
Investments Stocks/ETFs : 25%
Retirement account: 30 %
Cash: 30%

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.

Has anyone invested in any of the startup companies on Start Engine? Thinking by about investing in a few.

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?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

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…

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.

Are we allowed to trade crypto on TD Ameritrade?

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.