I have $200K in betterment for automated investing (eg 90% stock 10% bond) and use Personal Capital to track all my accounts. Recently personal capital approached me to use their advisory service to manage the investment - the fee is 0.89% vs. 0.25% at betterment. They don’t seem to have a better strategy except “we have a live person managing your investment”. Anyone have experience? Shall I consider it? (I don’t have time /energy to manage it)

Safest wallets / exchanges for buying VET and safe moon? 😭

I’ve got cash that I want to conserve (for bschool) and my time horizon is 1 year. It is currently all sitting in a HYSA. Should I bother moving it to a higher return investment and if so what would that be? Thank you!

Is blockfi only a bank and not really investing in crypto?

My wallet got stolen month and a half ago its worth 700K today .... By the way money invested was 10K only.

Was disappointed for couple days because it was my mistake for not paying attention to the scammers.

Back in the market and recovered the losses and money invested, isnt this an amazing bull market!!

By the way im not rich so that money would have gave me a life change.

What should i ape on next fellas?

How to save tax i have 9 lpa salary. Need a detailed information. I have already taken full 80D apart from they any more suggestions for 80C?

Have you received the salary today? Got the mail now but no credit yet in account 😕

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Do you guys think the Bay is a good city to retire in? I want to buy my parents a house closer to me but not sure if I want to move them here but it's either that or I leave

Phone and Internet bills reimbursement claim in Grey HR. With this claim are we getting Income tax exemption or reimbursement of cost. Can someone clarify it.

Guys, what platform do you use to trade US stock?

any suggestions on where to rent? preferably manhattan downtown or midtown. budget is ~2.1k or so. priorities are having a doorman, elevator, laundry in building at the very least

Is ethereum the new Bitcoin? Do you invest in it? Why/why not?

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

So I’m only contributing to 401k enough to get employer match, and I’m saving an additional ~20% and putting 90% of that into my vanguard mutual funds. Reasoning is that I don’t want to lock away all that money maxing out 401k. Have 3 months expenses liquid in a savings account. Is this really dumb? Essentially trading tax for the option of actually using my money.

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

Thinking about buying first home. ~$600k. How was your VA home loan experience? In a competitive market, was it a weakness? Is it an issue with lenders? Do I need a RE agent well versed with them? THX

New year checklist for amex plat, CSR, Delta, and AA? :)

Hello all!

Am I correct in my understanding that:

Over a certain income ($76k as of 2021), a single person CANNOT make tax-free contributions to a traditional IRA if you have a workplace retirement plan?

In my example, I have a work 401k, and my adjusted gross income is over (or just about hovering) at the 76k limit. This means I can't make pre-tax contributions to a traditional IRA, so I should just go for a Roth?

What to do with pharma stocks like Pfizer, moderna.. doesn’t seem to be trending up..

I’ve been working at a rather prestigious midsized firm in a big city for almost a year and a half now. I have been having a lot of trouble picking up work from senior partners. We are required to bill at least 150 hours per month to meet our requirement. My months are typically only 110-130 hours. It seems like the senior partners already have their “go to” associate for things. Does anyone have any suggestions on how i can increase my workload? I reach out for work pretty much weekly.

Hi fishes , I want to know in which month of the year , Cognizant will give yearly increment.

Traveling to NYC soon and I wanted to know what restaurants are worth visiting... I feel like I have high standards working in the hospitality business!

Any cool women want to hang out in Amsterdam Friday night? Staying overnight on Friday and I don’t know anyone here (35 yo, men)

My dog is 2, he is well behaved when it’s just me and my roommate. When people come over he jumps up to say hello and likes to grab things of theirs (Ie masks, hats, shoes, etc). Any guidance on how to fix this?

Anyone here works in blackrock alternative investors group? How’s the culture and career progression like?

We decided to do a photo session before the wedding for the two of us and family. The photographer and the location were amazing but the makeup was terrible, and because I was low on time, I couldn't fix it before the photos. The makeup artist make me look yellow! Idk if there's anything that could be done at this point, but feeling so disappointed :(

I am about to give my two week notice for Deloitte. Someone told me I should download my CPE report. Where should I get it? I am going to another big 4, how does the transfer of CPE credits work?

Hello all. LPN for approx 6 years and I really want to move out of state. Currently residing in Allentown Pa and working in Easton Pa. I really want to go where the air doesn't sting my face in the winter .lol. Any one from the Florida or south Carolina area that can tell me what the salary is like ?

Did Someone say jockstrap Friday?

Hi Fellow Fishies,

I am reaching out because I was recently contacted to interview for Cigna Provider Engagement Development Program. I wanted to see if I could connect with anyone on here that I can help give a breakdown of what this program entails, day-to-day, and WLB. Any tips on the interview and interview process for anyone working in this position? I would be truly grateful for any help or information that can be provided!

Cigna

Want to join Salesforce India, have 3.5 years experience as Salesforce developer what are ways I can apply?
20 days notice period remaining
Please let me know if have some reference.

Hello my desai colleagues! I'm a proper ABCD, I have lived in India for all of 3 years. When I go to visit, I have a hard time connecting with the family members there. Most of my family is in Chennai

Hey guys, I am CA having post qualification experience of 2.5 years. My last one year experience has been with Deloitte USI as an audit senior associate. I am looking for work from home options. Preferred working areas are audit and direct taxation. Can anyone help.

I started a new job a month ago and that just so happened to be when my birth control decided to screw with my emotions. I can barely hold it together already and I have the added stress of a new job and it being busy season. I don’t know what to do. I cry multiple times daily. I don’t know how to keep going.

Anyone in DC or Maryland have a good doctor for PCOS?

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

Hello all!

Am I correct in my understanding that:

Over a certain income ($76k as of 2021), a single person CANNOT make tax-free contributions to a traditional IRA if you have a workplace retirement plan?

In my example, I have a work 401k, and my adjusted gross income is over (or just about hovering) at the 76k limit. This means I can't make pre-tax contributions to a traditional IRA, so I should just go for a Roth?

Are we headed for the long overdue crash/correction - red everywhere 👀

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

What happens if I over contributed to 401k because of a job change ? How do I adjust ?

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.

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Mortgage rates already crossed 5% but the home prices not showing any signs of cooling down!! Any historical indicators where we may be headed 🤔

Reading alot of articles saying banks raising mortgage down payment minimums to 20%. (I know all the benefits and why it’s best practice) that being said any thoughts on how long that will last?

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

How much do you keep in the bank vs brokerage?

So if I short a position in my rollover Ira- and buy different stocks. I won’t pay taxes on it?

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

Hello fishes. Need some insurance advice.
My parents are dependent on me. My 62 yo dad and 57yo mom do some part time work and makes $1000/mon. Dad has some health complications like diabetes, high bp, genetic heart issues, liver problems etc. Does it make sense to get a life insurance for him - 20 yr term, $1M coverage. Premium is around $500. I am thinking I can pay the premium but if something happens to dad, it will help my mom pay be self-sufficient

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)