I earn 75k and my spouse earns 130k; we file "married, separately." My employer doesn't offer 401k but my spouse's employer does offer. Due to "married filing separately" status. I understand I won't be able to open a Roth IRA. I dont have an HDHP, so, dont qualify for HSA either.

Is traditional IRA a good option for me? What are the pros and cons?

I hope fin gurus here can help me with advice. Thanks alot in advance!

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?

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

Anyone opted for NPS Employer contribution, is it good for tax saving? Is there any maximum limit to it? Does employer really pay it or deduct it from our CTC only?
Please help.

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

I am curious how Onesource Income tax stacks up against it's competition.

My 911 just started production and I'm thinking about when it arrives. I've never financed an expensive car before, any tips? Do I go with Porsche Financial? My local bank? Other?

📊 Poll: Is Snapchat worth it's 3 billion 💵💵 IPO valuation?

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 😊

HYSA anyone recommends?

What should be the approx in hand?
CTC: 14lpa
Fixed: 12.8lpa, Variable: 1.2lpa
80c: 1.5L
Std Deduction: 50K

Apart from this, also let me know how else I can save tax.
Thanks a ton 🙏

Can someone throw some light on how wallet balance works in Zoho Zoho Corp . Couldn't reach any HR for the info?

Personal finance book recommendations?

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

I should be getting my job offer this week. Can someone tell me if Chase offers benefits such as; student loan repayment, discounted daycare, childcare FSA, employer HSA contribution? If there’s a high-deductible plan what’s the max family out of pocket? What’s the employer 401k match?

Is it good to get stocks as part of CTC which has 4 years vesting period?

CTC looks high due to this stocks but effectively i would not be getting it for the 4 years. Also the yearly hike includes this stock component.

CTC had fixed, variable and stock part. Variable and stock is almost 30% of total ctc.

Really confused if this is a good deal or is it a trap.

Converting btc or eth on the poloniex has a tax implication ? I read an article sometime back and cant find it now. Does Anyone here know something about it ? How is the conversion tracked ? How would you file gains ? How do you all plan on documenting that this tax year ?

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

Little worries here guys - not able to transfer to Bittrex. Tried from Polo and Jaxx (cold storage). Transaction looked like it was going thru from Jaxx then seemed like it failed. ETH appeared back in Jaxx account and no changes to trans history...thoughts?

BTC versus ETH as speculative investments and why? Looking to pile in about 20k

Sell Shopify or hold? Already 14% down today after the vaccine news. Will it recover?

Hello Sharks
How to get opportunity abroad? Can you share any portals from where I can apply?
Thanks in advance

Currently in a committed relationship and just came to the realization that I have actually never been single in my life. Sometimes I wonder what the single life is like.. just dating and doing whatever I want without having to think about a partner. Any one else ever felt like this? Or been in this situation?

Many ppl in this group come to defend gds policies like deducting insurance from employees which is not a standard practice. Wonder what are they defending after the peanut hikes! Hope they have understood the extent to which ey misinforms! “Ey has made record profit and we will handover record hikes inline with our profit”. In the end, 🥜

Hi All :) I need advise on whether it is possible to get my first time H1B stamped at a US consulate in Canada ? I am required to travel to Canada anyway for my PR stamping and I am trying to figure out if I can get my H1B stamped around the same time while I am in Canada for my PR, since it is extremely difficult to get appointments in India these days? I am currently based in US. Thanks!

Question for everyone here: hybrid - 2 / 3 days a week or remote work? Which do you prefer and why?

I want to know how UBS (UK) reach out to you for interview purposes I mean through a phone call or over the email.

I am looking for a job change in forensics department- fraud and investigation, e-discovery. Please recommend me for any openings!

Any working mothers in here who loves the company they’re working for? I am thinking about switching firms and need some honest thoughts on companies that doesn’t only say, but actually practice flexibility for work life balance and offers good $$$.

I am a high performer at my current firm but they started questioning working arrangements of folks based on the new members who are huge in-office folks, fast turnover within the team, etc. This wasn’t an issue when I first joined.

What do people do in Raleigh area for fun? I moved from NYC and I'll be the first to admit I find it a little slow here.

Hi Guys,

I've received an email yesterday about my joining date extended by almost a week at PWC. I haven't requested any extension. Shall I wait or look for other offers?

Anyone working at Revolut? What is the culture like in AU?

Looking to gauge if my current salary is competitive with the current market. I am a senior associate on the fund accounting team and make about $110k after bonus. Any thoughts?

Hi friends,
How is wlb in CBA? In case anyone declines their offer, do they blacklist the candidate?

How’s your work-life balance? New job at a new company and wondering how to clarify standards on this

Hi guys, i have 3.09 years of experience and got selected in mindtree and mphasis for same role and package. May I know which one would be right choice between these both companies like in terms of job security, work balance ,environment,increments and growth in career wise etc. Please need your suggestions.
Thank you.

Hi fishies

Please help me get 11 likes to enables Dm.

Thanks

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Have about 5k to invest - should I do FXAIX or FSKAX?

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Anyone have a recommended tax person in Chicago?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Google stock to buy now or after the split?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

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)