I forgot to transfer my crypto or withdraw from binance to binance US. Is there a way I can withdraw or transfer now? I think the deadline was until Nov 2020

I recently sign a lease. The apartment will put my security deposit into an interest-bearing account and requires me to fill out a form W9. I will join EY this June and just wondering if this is ok in terms of the independence rule. I guess the apartment will put my deposit in some sort of funds. Anyone with EY has experience? Reading the independence brochure, looks like it does not specify something related to this scenario but just wanted to confirm . TIA!

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

Saving for a home. Should I save my money in a CD or savings account?

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

Amex gold or chase Sapphire preferred? I need a card for international travel to avoid foreign exchange fees. Please note, that I'll receive a $150 credit towards the Amex annual fee due to having a corp card. I'd you my capital one checking, but no rewards/benefits there.

I’m a Canadian on a TN visa. Am I allowed to trade crypto on Robinhood? If so, can I trade the same coin multiple times in one day (day trading)? What tax implications would this have for me other than the standard capital gains considerations?

What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

Need 20lakh by next year for down payment have 1.8 L on hand which MF or stocks to invest so that can get 20L by next year and how much per month

Is BRK-B a buy right now?

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

When a private equity firm invests in your company, they do expect to exit their investment within the next five to seven years.

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

My Last working date at Wipro is 12th of june 2022, So How tax will be calculated for the financial year 2022-2023. My CTC is 8.4L
I will be working only 3 months for this financial year and in April month payslip i can see 6K deducted for tax and in the IT projection it shows around 30k tax deduction gonna happen. I will be joining another Firm in same june month
Please share how tax is calculated in my case and how to save taxes.

How do you effectively plan for retirement?

Just watched the Polka King on Netflix and feel a little like Jan Lewan's investors. What exactly am I investing in?

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

Hi Guys,

I interviewed for TCS on 18th of September and got a mail to upload the documents later on that day itself. But after uploading the documents there is no further communication from their end.
Any idea how much time they’ll take to revert ?

To all who have exited from life sciences consulting, what firm did you work at, what did you exit into, and how is it going?

People in US tax who have pivoted to different fields, what field are you in, and how did you get into it?

I work in ERP consulting on the technical side. Wanting to move into product. Would anybody be willing to give my resume a once-over?

Which one I should join TCS or Virtusa? Virtusa is offering 3 Lacs more than TCS?

We are building Immersive Sales Training at Scale using a lifelike Avatar. With the revolutionary tech leveraged have the ability to help sales force improve their sales skills, capabilities and close more deals! We are turning average Joe into top performing sales person. We’re looking for strategic angels to come on board and scale solution globally. Are you or do you know anyone in your network that is interested, we are all ears!

Weighing/negotiating offer to stay in current role or jump - wwyd ?

Current base $150k
Unvested equity $800k


Offer $190k
Sign-on $75k
Equity $40k

Pros - wlb, career growth potential
Cons - offer seems a bit low given unvested at current company - worth it to even negotiate?

Who are the top consulting firms for each of the type of work in Pharma?

Corporate strategy -
Portfolio + brand level strategy -
Sales & marketing strategy -
R&D strategy -
Transactions / M&A strategy -
Analytics -

Feel free to put more than 1 firm in each category :)

Any tech companies with robust legal ops departments hiring? I’ve been staff side in big law for 5+ years and have a systems implementation and project management background. Looking for exit opportunities. Thanks!

What is a typical salary for a Data Scientist at a management level that’s 1 or 2 levels above entry? Looking for insight both within the tech side and tech consulting if possible.

I’m likely on the way out from current role. who’s hiring? Bachelors in business, 5+ years in finance/risk/analytics roles

Where do you live/work & would you recommend it to a 20-something new pa!?Salary, benefits, lifestyle, etc.

On a scale of 1-10 with 10 being the most, how pissed would you be if you were a supervisor and you had a new direct report on your team with a higher salary than you? The years of experience are the same, but you have 3 designations (they have 0), you have 3 licenses (they have just 2), they have little to no experience with technical complex claims (you have hundreds), and you have 3 years in management (they have 0).

I come from a design-heavy background and have been guilty in the past of over-emphasizing aesthetics. What do you think is the proper balance with functionality? How do you think through this?

Hi Everyone! I’m an emerging UX Designer and would love some advise on how to pivot into this field. A little about me: I’ve always been creative and tech savvy - stemming from my beginnings as an IT major and ending with a BA & MA in Art History. I’ve had experience with usability studies and testing for the rollout of Salesforce in my company and have finished my Google UX certificate this past June. I would love to start working in a field that I’m passionate about. Any advise is appreciated!

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

Investor’s Business Daily: worthwhile?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Just gained some shares of a new stock due to a spin-off. I have owned the original company for years. Can I sell these shares now or would they be counted as short term capital gains?

Novice investor looking to invest 100K. Do I DCA into ETFs / Mutual Funds?

In what increments (eg. $1,000) and cadence (eg. Monthly) should I DCA?

How should I spread out the increment across ETFs (eg. Equal percentage in each)?

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!

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

During benefits selection this year , I chose HSA for the first time and I am informed that my account is opened today. While registering on Fidelity, I am asked to chose between FDRXX/FDIC .I would want to chose from available options and invest money. Which option I should be choosing of both ? Also if I can’t chose options on fidelity, what should I do about it ? My firm opts only for Fidelity unless I’m wrong . Happy holidays . Thanks in advance

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

Poll - share your investment portfolio in your taxable account. Wanted to see different ideas. I’ll start - 25% FXAIX 25% FNCMX 25% FSPGX 25% FBRGX.

What ETFs/stocks should I invest in for 1-3 years highest return but are somewhat safe?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

What do you think on buying JPM, WFC, C now?

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

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

This is a post to reach out to Indian professionals working in US. How do you feel about investments in India vs Investments in the United States, all inclusive - real estates and stocks ETFs
TIA

Any good apps or websites to track your net worth across all accounts (investing, banking, retirement, house) without sharing your information?

Any thoughts of investing in gold or gold related instruments?