I max out my 401k.How do I do a backdoor Roth? Can I open a traditional IRA thru vanguard and fund it with post-tax money and then roll it over into a Roth IRA? I’m confused about the steps to take.

I am not from the US and taxes overwhelm me; the first few years I did them with TurboTax and it was fine but then I entered a domestic partnership and had a baby. I also bought a house (that I don’t live in), so I went to H&R Block to give it a try assuming they could advise me on optimizing my return, it seemed that they are completely transactional as the person is just typing numbers in a form. Any recommendations on how to navigate personal taxes with an actual advisor?

I would like to transfer my career to Healthcare Data Analytics. I’m gaining my data analytics certification by the ending of November. I’ve also worked and still currently working for great healthcare company’s. I also have lots of great healthcare data experience. My only concern is no degree. What can I say to recruiters that will WOW them or replace the fact I have no degree because that’s what most of these company’s require.

Is Monaco a good buy? They’re being Listed on 3 new exchanges in Dec, but down 15pc today!

Desperately want to get into healthcare strategy consulting. 13 years of healthcare clinical experience including project work. MBA. But keep getting told by recruiters that I don't have enough experience to be a Consultant or Manager but that I have too much experience to enter in every level such as a Senior Associate. Just one rejection after another, even when applying with internal referrals from Director or Partner levels. What am I doing wrong?

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?

How much stock do you put on benefits? I have two offers with stark differences in benefits. Job 1: role I want, but benefit sucks (2 weeks paternity leave, 20% coinsurance). Job 2: role is okay but higher level and great benefits (16 weeks paternity, 0% coinsurance, 5 more days of vacation). Total comp is the same though. I wonder if I should just focus on role but Job 2 is a large company, so I can move around after 2-3 years I’d expect. Thoughts?

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

What do you think about the mismatch of labor and employment laws and the modern nature of our economy after the technological boom? Am I the only one who thinks (and am I crazy to think) there are some benefits to workers from the gig economy, and it might be best long term to pass new employment laws to ensure worker protections while maintaining these benefits instead of trying to shove the current gig economy back into the 1960s? I’d love to hear your thoughts.

What are some good east coast cities to buy an investment property in? For those of you who have done this before, what's better for a first time buyer/investor - commercial or residential?

Based in NYC but looking to buy outside the city. Something that's 400-500k and has good rental potential. Thank you.

Has anyone left their healthcare job for a different career, I'm not sure if this is the right industry for me

What are AFS’s education benefits - do they provide free udemy / learning tree accounts for self study?

To the struggling healthcare student. It’s okay to struggle and not know stuff. Sincerely your friendly neighborhood physical therapist.

In your opinion, what’s the best hedge / best buy against rising interest rates?

What are some good healthcare/pharmaceutical etfs that you would recommend?

How do you renegotiate your commission rate on TD Ameritrade and it’s platform ThinkOrSwim? Is this requested online or do you have to call in? Does it have a decent success rate? Im at the original .65.

Any consultants from Deloitte who can help to staff in a healthcare project? I’ve worked with healthcare clients for 10 years and relatively new to the firm.

Best desi food recommendations in Toronto doentown?

Anyone hear of a patent attorney going to an investment bank, hedge fund, or venture capital firm?? Considering a change. Thought I could use my skills to help investors analyze and valuate companies.

I went to the lease this last weekend. Not one drop of alcohol was had. That was the closest I’ve come to caving. 4 wheelers, killing dinner with big guns, doing manly things in God’s country. Beer is an absolute necessity during these events. Anyhow, I didn’t drink. Proud of myself. Monumental moment for me.

What’s everyone doing in this heat??

Democrats in 2000: Bush is Hitler
Democrats in 2004: Bush is still Hitler
Democrats in 2008: McCain is Hitler
Democrats in 2012: Romney is Hitler
Democrats in 2016– : Wow, now we love George W Bush, John McCain, and Mitt Romney.

Interesting.

How’s Salesforce market for a senior technical architect with 12 years of experience? Which city is best and what salary to expect in US?

Hi off topic- my wife is not able to conceive for last 3 years, trying homeopathy medicine now. Any good astrologer in bangalore who has predicted correctly for anyone of you and mentioning month etc details. Any help would be appreciated pls

Anybody know if there’s a Toronto Lawyers bowl?

Are people finding that Uber/Lyft/taxi drivers in Arlington are still wearing masks lately? Debating whether to Uber or drive to the airport.

Anyone using a good independent housekeeper that they would recommend?

Hi all
I m laid off from publicis sapient. Currently looking out for a job in Data Engg Gcp cloud currently serving notice period.
Please help me to refer.
Immediate joiner

Off topic - please suggest gift ideas to carry to India from UK?

Do Leidos, SAIC, and other mostly-fed consulting businesses pay bonuses to all levels? If so, what does a typical bonus target look like? Booz Allen does not pay bonuses until you get to the Senior Associate level (1 step below Director) and I think that impacts employee performance and work ethic pretty dramatically. I’m wondering if not paying bonuses is common to federal contracting because of how the contracts or priced, or if this is something unique to Booz Allen.

I’m looking for constructive chats around generating high quality Health Insurance leads at scale. Open to share some of our findings

Best hot pot buffet in Boston area? I like Fairy Cafe and Ibasaw, but I’m looking to branch out.

Hi Sharks,

How exactly resource cost gets allocated to hiring manager ? What happens at hiring manager end when resource try to renegotiate at later stage? What all are constraints from Hiring manager pov

Any Hiring Manager around? Please share your experiences

Investor’s Business Daily: worthwhile?

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

Beginning to invest. Which is better? Merrill edge or fidelity ? Have a BofA bank account and an employer Fidelity account for RSUs. Also have a TRoweprice 401k account from past employer.

My lease is expiring and a friend wants to buy the car . Anyone do this before ? I guess I would have to buy it and then sell it to them ?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Should I continue to live at my parents house in the Midwest as things start to open back up or move back to my assigned office city on the east coast? I’ve been saving a lot of money, but I don’t have any friends out here in suburbia. I’m only 25, no student loans, and kind of want to live the city life and make some friends, but I’m hesitant because this high savings rate is really nice and my project at work would be remote even without covid, so I don’t HAVE to move out anytime soon

Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

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

Non-US-citizen, resident aliens - worth maxing out 401k, Roth etc? Might not stay in US until retirement.

Thoughts on Sunrun as a stock investment? Buy or avoid?

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

What is your ratio of Net Worth / Annual Income? What's your age?

Would prefer if folks don't share their gross net worth or income #s as this is more about how have folks been doing given the resources they have.

How can I learn about investing in crypto? KISS please

What platform do you guys use for buying ETFs ? Can you recommend high fielding ETFs ?

Would you prepay your mortgage (2.75%) or invest? Would you refinance 15 year or 30yr? I understand that over a long run, you can invest the difference and increase wealth. But it generally takes 10+ years to break even. What’s your reason NOT to do the 30yr mortgage?