I have two homes. Unfortunately I am a little ignorant when it comes to the economy, knowing what to do next, etc. I have about $150K in equity and have some home improvement that could be done. Is this a good time to get a HELOC?

Emergency question!! Sending over an invoice to a client. We are both in mass. Do I charge tax on a digital delivery? I did on my last two but now I’m questioning it. Help!

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

Big4 Partners: could you provide some insights into how the Big4 pensions work. Assume one becomes partner at 40, and then retires at 50 after full vesting, how much annual $$ you get after retirement?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Do you think someone who owns 200 ETH is financially independent?

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

New to NYC and enrolling in wageworks. Should I do the payperride metro card or commuter card -transit ? Not sure which is most typically used? I will probably take the metro 6 times each work week

My play for next week:
Sell the SPY 200 puts since the market would plummet. Look for opportunities to buy back, probably when the stim bill passes. Would love to hear your thoughts on it

Moving to atl- what are typical 1x1 rent prices?

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

Hi fishes,

One different question 😅,
Is it possible to live in metro cities with 95k / month of salary (no debt / emi to pay)
For a couple without kids and parents?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

Can I pay income tax challan using credit card?

Thinking about putting 500-1k into either : Amazon, block, Nvdia, or AMD.
Which would you go for? Why? Or are you staying away from market still?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

Why you should stay invested : asset inflation, then normal inflation, low rates forever, trillions in additional stimulus, dollar destruction (on purpose), coronavirus pushed tech ahead a year or two in adoption. STONKS ONLY GO UP!

Recently received 30k and wondering what to do with it. Not yet a homeowner but also not sure if we’re ready to buy anyways. Have a young baby. Any advice on how to figure out best use?

Terrifying scope of Capitol attack becoming clearer as Washington locks down for Biden's inauguration

I got an offer from Infosys. My manager says they will retain me by providing the same offer what I got in Infosys, i have put my resignation and my manager is calling me on weekly basis and saying that he is talking with senior leadership. Will TCS retain me? Suggestions please. I heard TCS has stopped allocating funds for retaintion is that true?

Hello Guys,

SAP SD 4 YOE, INFY
CCTC -7.34
EY IN offered - 13.61(2lakh VP)

I have accepted EY IN Offer.
Now I am getting calls from EY GDS for interviews.

I am not sure if u should attend the interview or not at GDS.
When I shared this scenario with my EY IN HR, she said please don't attend it may create conflict and you may also get blacklisted.

EY GDS HR is like, you can attend the interview, there's no problem at all. We don't have such a policy. Please suggest what decision I should make.

How much hike one can get if rating is valued talent

Is negotiating offers the norm now? I’ve been at my company awhile and at the time I was hired they said they don’t do negotiations, take it or leave it and they’d offer the next person. I do believe we renegotiate now, however I’m not sure if it’s the rule, the exception, or somewhere in the middle?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

Delhi office lo vunnara evaru ayna?

Hi fishes,
Want some feedback for Employees Assistant Program (EAP) by Capgemini which provides facilities to connect with Therapist.
Actually I am going through some tough times(going through a divorce), want to connect to EAP to discuss my mental health issues.
I had connected once and they say that the conversations are strictly confidential.
Just wanted to know do they really keeps stuff confidential or can they inform my Manager regarding the personal conversations.

Hey guys! If we are posted in Noida office, but want to work in Gurgaon office and our manager is okay with it then how do we get access to the Noida building? (I already have an access card for Noida building)

Hi Avanade fish, I am interested in joining the Security practice and would like some insight in the role from folks in the practice.

Any junior strategy positions open in NY?

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

I am interested in creating a supper club in Los Angeles where people can meet and interact through food- do you think it could be of any interest?

I manage 2 physician practices and one is extremely toxic. To the point the dr sides with staff even when I am trying to make corrective actions when patient care is in jeopardy. My leadership is aware and knows I am keeping my distance from them. Just doing the necessary work to keep them producing. How do you handle this? It’s been extremely stressful and harmful to my ptsd anxiety and depression.

How does approval process usually work with rolex ADs? I have a purchase history with a current AD and been on a waitlist for a while. Got a msg saying they have one in system and waiting to get approval to sell me one, but no promises. Does this mean I am likely to get one soon?

Hello Fishes, I needed a suggestion on below:
I have been working on AWS cloud services from ~2 years. Recently joined new org. where the work is on Azure Cloud and more into Azure Databricks, Synapse Analytics, CosmosDb etc.
I'm not exactly sure at this point If this is a good move to switch technologies.

Can you fishes pls guide or help me if this Azure Cloud related services stated above are good in terms of current tech stack in market demand or did i made a wrong move? Pls help.. 🙏

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)

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

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

Any good wedding ring sources aside from Blue Nile?

Paid off my account debt!

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

In your opinion which is the best target fund to choose in IRA Roth?

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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.

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

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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.

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

What does 401k mean?

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?