I feel S&P index growth is driven by technology stocks, Is it better to invest in technology based etfs like VGT or FTEC instead of S&p etfs? Any risks in doing this? Please advise

Young analyst with effectively 25% Tax in Illinois, should I be electing traditional 401k or Roth 401k?

Who bought during thanksgiving sale last couple of days? And what did you buy from Coinbase tradable coins.

What’s a good auto loan rate? Is it better to buy in cash if possible? Looking at either an X5 or Cayenne. Will be from $75-100k. I know people generally advise against paying all cash, but at what point (at what interest rate) does it make sense to buy with cash?

Short Term Investment is giving a big hit now stock market. Let's go!

How do you do backdoor Roth? I’m thinking if it worth risk of doing it

Both my wife and I work for FAANG companies. As the stock has recently gone through the roof I was wondering if we should try to protect the gains (covered call/put options). Understand we will be giving up upside but we might need to liquidate in about a year or so for a down payment. Any one ever done that? How would you think about the strategy here?

Does anyone use Charles schwab for checking account? I can’t do Marcus yet and it seems this might be the best yield on checking compared to chase / others?

If I get an offer for 105k in New Jersey - how much will I make after tax?

What is the rationale for removing accrued income taxes from NWC?

I have $15k in federal student loans left to pay. Should I pay all that now and be debt free or continue paying and add to savings/investments? Right now there is no interest until December 31.

At what income level does traditional 401k make more sense than Roth?

Any experience investing in motor home park (manufactured home community). New to this. Potential pitfalls? Biggest concerns?

Looking for an honest discussion.

I believe that investing in individual stocks instead of index funds is essentially the same as gambling.

Explain to me why I am wrong.

OffTopic Questions. Need help.

I want to invest 12000 per month in Mutual fund.
Please help me to choose best 5 funds from below. How to divide SIP amount in below 5.
Planning to invest for long term. (more than 5 years)

1. Parag Parikh flexi
2. UTI flexi cap fund cap fund
3. Canara Robeco Small Cap Fund
4. Quant small cap
5. ICICI prudential technology
6. Axis small cap
7. PGIM India midcap opportunity

Thanks in Advance!!

How are you mitigating the risk of a looming recession on your portfolio (401k and investment) ? I understand time in the market beats timing the market but is there any hedges that can be made ....

One of the few days I wish Canada had as many people as China... Canada crypto news <= China crypto news (even when it is clearly rhetoric)

How do growth equity funds typically source deals?

Anyone trade riot blockchain? Seems like they just mine cryptos. Might be a good way to get options access to diversified cryptos

I need an answer for "Think back to the most recent complex decision you had to make or problem that you had to solve. Describe in detail the process you used to make the decision or solve the problem. What sources of  information did you use? How much time did you have, and how much time did you take? 

Someone mentioned that July through September is the worse time to go to the hospital because of the new residents starting, but I think we're going to need the fresh eyes on patients.

Are Strategy& Lebanese always exclusionary? Felt like I was fitting in with them in first couple weeks, but now feel like being actively excluded

Anyone trade riot blockchain? Seems like they just mine cryptos. Might be a good way to get options access to diversified cryptos

33 M.. any f in CT wanna connect .....

Will do everything in my power to get my associate fired

Hi Parents - My 6 yr daughter has started to develop some skin discoloration on face. It started sometime last year & we went to multiple dermatologist. They mentioned it to be pityriasis alba which resolves in few months to an year. However this has increased a bit since last year & when we saw our dermatologist again this year, he still thinks it is alba but mentioned it could be vitiligo as well. He didn't give any medicine but checking if anyone has success with home remedies with this. TIA

Any vacancies for market intelligence analyst at Novartis?

Car rentals - should young driver fee be waived when booked through your firm? I book National through Trips this morning and there’s a pretty big young driver fee

Nothing like a good dose of anxiety just because your afraid you will less something up soon. Happy Friday!

Any MedSpa, injector, Botox/filler or Derm recommendations?!

I recently joined capgemini. Can someone please let me know to how to submit bills

I was diagnosed with ADHD in the first grade along with dyslexia and dysgraphia. I’m also positive that I should have been diagnosed with dyscalculia. Sometimes in my work, I say/do/write things that are obvious symptoms of these disabilities but my mentor attorney acts like I’m just making lazy, stupid mistakes. Does anyone else still feel like these childhood learning disabilities are not acknowledged as a real thing by adults?

Anyone else struggle to enter time daily? If you’ve overcome this hurdle, how did you do it? I keep a notebook for my time and then send it off to a secretary to enter but I still miss so much of it that I always have to go back through my emails.

I've struggled a lot with my ADHD in my new position. Lately I've had some really good days and done good work. I know I should be happy about it, but my thoughts keep getting negative, like I know it won't last. Do you guys ever get imposter syndrome like this? How do you deal with it?

Guess who had to do a big chunk of sandbagged work on the last day of the billable year to be bonus eligible because their brilliant but disastrous brain had them convinced they met the hours threshold in early November? It’s me. Hi. I’m the problem. It’s me.

Can we pin a post with recommendations for professionals and therapists that you can trust in your geographic location? If so, I’ll start in the comments with my recommendation.

I know I’ve seen a few similar posts before in the past, but do you guys have preferred/recommended apps to keep you organized and productive with work? I have my work calendar and synced through outlook on my phone, but just looking for suggestions to keep everything as organized as possible.

Buying a home.

Any place to check neighborhood crime rating? Some online sites show theft and assault a little further from property. But what's a reasonable expectation here?

I'm assuming assaults are fairly common place?

I just realized I’ll likely have a MAGI of over $124,000 this year and will have to reduce the amount I contribute to my Roth IRA. I don’t know exactly by how much and I’ve already contributed about $1,900 directly through my Roth IRA. Does anyone know if I can still do a backdoor Roth IRA for the remainder of the $6,000? Is there any way to avoid over-contributing to my Roth IRA by the amount I already put in there?

Other than the S&P 500 what other safe options do people invest in? Currently, maxing out 401(K).

Any recommendations for Best home security systems that are also not very expensive?

Someone pls educate me on 401ks! If I earn 80k and my employer does a dollar for dollar match up to 3% of my contribution and then 50 cents on the dollar match for the next 2% I contribute, would the breakdown look like this:

3% employee contribution: 2400
2% employee contribution: 1600
First 3% employee match at 100%: 2400
Second 2% employee match at 50%: 800

Or is it based on the 19,500 401k max amount?

What percentage would one have in crypto as part of their portfolio?? It was 5% for me but with recent gains past few weeks. Has ballooned to 14% (even after todays dip).

Anybody get more active in the market after GameStop? Personally I did as I’ve been using robo, etfs, and index funds but until last week I never actually picked stocks. Now, I’m finally trading and into crypto with still a longer term focus.

Have you changed up your 401k investment strategy given the market performance and uncertain future outlooks? I have been holding with same strategy of investing in large and mid caps, but I’m at -20% YTD. Debating if i should switch to safer options.

28 years old and just officially found out I’ve crossed into six figures. I’m in a pretty low cost of living area too, and my wife makes six figures as well, so I’m just feeling very good and optimistic about the future!

Has anyone used PayUSATax to pay their federal taxes with a credit card? They charge 1.96%. I think some of the credit cards will give you effectively 4%+ back. Is it worth it to use? I owe $150K so the effective fee will not be small ($3K).

Is it bad to ask someone you are close with at work how much there salary is? Me and a colleague recently started a new position few months ago, same title. I’m sure we make the same, but curious to confirm. We talk about non work related stuff often and money.

401k upfront or DCA? 2021

Is there a right time to open a savings account? Rates are a little low from what I’m currently seeing and I don’t want to continue putting it off until I see a number I like.

I’ve got some cash sitting in my checking account and want to move it ASAP.

Recently moved to US. What retirement funds can I invest in if the gross HHI is above 194k (Roth IRA limit, per Fidelity website)?
Maxing out pre-tax 401k. What else? Please help! Thanks in advance :)

What pre or post Market data do you find helpful for planning?

Do you use any pre market indicators to set up Buy limits for ETFs or otherwise?

Spirit Airlines or Jet Blue...

My daughter starts college in the fall. I have money in a 529 plan to pay for it. Does it make more sense to take out a student loan and then pay it off when she graduates? Student loans don’t incur interest until after graduation, correct? If her 529 plan continues to grow and is more than the student loan upon graduation I can transfer the remaining to my other daughter.