I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

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

I have dal 19 put 3/27. Loosing money there, should I wait out another day or two or cut my losses now?

Who else is buying?

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

hi,
i got a offer letter from hsbc before baground verification but i taken education loan for my MBA this year 2022 but my tenure to pay is not occurred. i had credit score of 728 . is there any chance of getting revoke of offer letter

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?

Get upto 100% of your TDS as Refund in your desired bank account .
Due date for filing (ITR returns) for the AY 2021-2022 which reflects your transactions during April 2020 -March 2021, is on 31/12/2021.
File now to get rid of penalty for delay returns
Here we will e-file your IT returns
▪️▪️▪️▪️▪️▪️▪️▪️
Are you new to ITR filing???.... no Worries join and get our help to clear your queries

📲 8985907244

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

I joined @mindtree in Jan 2022. Suddenly there is a 10k deduction in salary in the month of April. The salary slip say 10k deduction as INCOME TAX. Mindtree says "You come under 20% slab according to the income tax calculations. When all the tax slabs are applied you will have to pay yearly tax around Rs. X amount. So that amount will be deducted in monthly basis." Why sudden income tax deduction? Why was that not deducted in the month of Jan Feb March ? How can i recover that 10k every month?

Anyone know of a good cross-border US/UK financial fiduciary?

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

How much can we save in Canada Onsite ? Tech lead role. Avg sal in glass door is $80k .

We all know- SIP of 50k/pm for 15 years at a CAGR of 12% p.a. grows to 2.52 Crs ( approx.). BUT

Do you know- If we delay it by just 2 years- the value falls to 1.88 Cr ( approx.) Difference is a WHOPPING 64 LACS, though the difference in Investment amount is only 12 lacs!!

THATS THE POWER OF COMPOUNDING!! AS THE SAYING GOES- THE BEST DAY TO START YOUR INVESTMENT WAS YESTERDAY!! Any view is appreciated!!

Any real estate experts in the house? Thinking of making a move to Miami from Jacksonville. Jacksonville real estate is still pretty inflated and hasn’t really come down much. Is real estate in Miami following the same pattern? Or is it expected to deflate with high interest rates?

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

We all know how inflation can derail our Retirement Planning dreams!!Though it's better to start investing as early as possible,but HEY, all is not lost even if you start little late. We all have our family responsibilities when we start our career, so "INVESTING FOR SELF" takes a back seat.
Just a perspective, even if someone at the age of 45 years starts investin for his retirement, he can decently manage the same with discipline and regular investing.
Happy to discuss with anyone on this!!

Tether is a giant fraud. How do I short it?

Do any of you guys use Microsoft Excel or anything like that when doing financial planning? Like for example having an excel spread sheet where you type in clients income, and income when retired

Like this for good karma (Gives me the opportunity to DM people)

Guys looking for a good hair oil. I do comb over/pompadour style

How can I find these "boutique" consulting firms yall are getting offers from? Is there a boutique consulting firm job board or something? Where can I start my research?

Is 1YOE way too soon to start looking for jobs? What would you say is the minimum number of years for cool opportunities to start becoming accessible?

Is anyone who has appeared for an interview with PwC strategy recently up for a chat?
Experienced Associate role. India office- Mumbai

Struggling to find good workers who will stick around for a while… Is high turnover just a truth of retail that I’ll have to accept?

If any Fresher/Experienced CA wants to join PwC AC(SDC)
➡️For the cities Bangalore/Hyderabad/Kolkata
Feel free to DM me ✅

Hello Community,

I am interviewing for a senior consultant role in Salesforce practice at a big4 firm. What should I expect as a compensation?

Have any of you been part of any aviation trouble -such as emergency landing, bird hit, engine failure, go-around, hijacking etc? Has it been on a work related flight?

New strat folks.
1. Buy a condo complex.
2. Put the land under said condos into a land conservatorship (for taxes)
3. Rent condos at discounted rates (for taxes)
4. A small fee of the rent goes to a trust as a land conservation fee in perpetuity (for tax reasons)
5. Have another business generating revenue to offset this.

What are the qualification requirements for an entry level associate at PwC? I have 3 yoe but not in the relevant field. Could anyone refer me?

Just found out there’s an ECD in a big NYC agency who claims to have won awards, but the name doesn’t pop up in any of the archives.

How do they get away with it?

Y’all are extra judgy in this bowl.

Hi Fishes,

How to find flatmates in Bangalore (gay friendly )

Please don't comment things badly. Trying to normalize things.

Kind reg

It's my first month in a new job as Product Owner. I went from a company that digital product development was their secondary focus along with consultancy services, to a company that their only focus is the product. The difference in scale as well as the different domain, certainly feeds into my imposter syndrome. What are the things I should focus to achieve within my first few months at the new job?

I think this bowl is a great idea but it’s really difficult to foster conversations between other people.. any suggestions on how to do it?

How do you boost your credit score within a couple of weeks? Very small increase needed.

Starting to think it’s all a scam. Everyone knew tomorrow would be a bad day for the market... and bam... Gilead announces. = rally tomorrow!!! Ride the waves, my friends 🤣 THOUGHTS???

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

Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?

Anyone have personal experience with Dimensional Funds? Looking for a financial advisor and it's interesting you can only buy their funds with a few select advisors.

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Hi! I have a brokerage account with Vanguard. Does anyone know I can have tax withheld as dividends are getting paid through the year? Please note that I’m not referring to extra withholding on W-2. Thanks!

Gl as a aor

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?

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

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?

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Which accounts have you opened for investment? ROTH or traditional? Any benefit over having one or the other? And any preference on where should I open one?

Is there a calculator that I can put in all my investments and see how it works out in 50 years? I know each brokerage has their own projection thing, but just wondering if there are any other tools where i could combine everything?

Best provider for good rates on used car loan?

Can someone help me understand the advantage of Backdoor IRA. In my case, I don’t think My taxes will be higher in retirement than they are right now (32% tax bracket currently)

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Hoping to earn rental income. Any good advice or resources on getting started? What’s your experience been like? Thanks for sharing in advance!

Anyone using services like Motley Fool or Seeking Alpha or any other paid service for stock recommendation? Looking if they are worth it or not

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here