I need to max out my Roth IRA for 2021 before April. I have the money and opened an account. I just have never done it before and I’m not sure where to put it.

It’s my first time playing AC, is it normal to feel this overwhelmed by the debt? 🤣 I don’t buy anything, my house looks crazy and all I seem to do is collect and sell things 🤣🤣🤣

Tax question: I had a traditional ira which I moved to my employer 401k recently. I’m planning to do an after tax 401k to ira conversion. Would prorata rule apply since I had a traditional ira balance earlier this calendar year?

Student loans question: my sister has $100K in loans. She has $15-20K sitting in her bank account. The question that I’d like your guys’ input on is whether she should reduce her principal (and thereby total interest payments) by paying down debt lump sum ASAP or is she better off chipping away where certain months she adds on $500-$1000 to her fixed payment? She wants the flexibility of having a rainy day fund but also wants to payoff debt ASAP. Any guidance would be appreciated!

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

Is anyone holding didi shares? I’m trying to figure out what happens. If they delist, then list in HK, are shares converted? If I want to sell, how would that work? Do I need to open a HK bank account? Are there unique tax implications? Etc etc.

Haha Merrill just reduced the pc payout grid by 3% for advisor below $2m in production

Has anyone just taken a break from work without anything lined up? Every offer I’ve gotten wants me to start in a month and with 2 weeks notice that leaves me only 2 weeks to recharge. For my mental health I really think I need an extended break (like 3 months). I have about 60k liquid to sustain myself and pay about $1500 a month in rent.

Recently moved to Denver, and may be sticking around for good. Planning on buying in the next year or so, and some of the suburbs off 25 and south of 470 have caught my wive’s eye. Thoughts on Douglas county (or specifically castle pines, Parker)?
We’re a mid-30s couple, with a 4 y/o, so for priorities: schools, (hopeful) resale value, and activities for our daughter and family as a whole. Any advice or alternatives would be appreciated!!

I want to sell my house but there seems to be water damage and I’m worried someone will lowball me, what should I do?

NJ Personal Income tax question:
My wife and I file a joint return. We were part time residents in 2020z unfortunately, we both filed our joint tax return. My wife sent via paper and I sent electronically. Any idea what happens now? Can't get ahold of anyone.
To make matters worse - NJ doesn't have a paper part time resident return - so you file a resident and non resident separately. Ours net to a refund but the resident one shows a large amount due and the non resident shows a large cont...

Hi Folks,

Recently in sodexo, another card got activated that is multi benefit pass and it says i can use this money for apparels,bill payments and at petrol pumps.. is this real? No physical card is given yet.. did any 1 tried this card? if yes, could you please guide me?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

Hello everyone. I’m a home inspector and looking to invest in commercial real estate. Anyone currently investing in storage facilities, laundromats, lounges or apartment buildings?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

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.

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

Hi - any good books recommendations for getting started on real estate investing?

What is everyone buying today?

How high does L6 range typically go for Sr Program Manager roles? I am currently at ~250k TC and the position they were interviewing me for hand a max range of 200k TC. Is >300k TC possible?

Any advice for me as I go blindly into searching for a fiduciary to advise me personally?

Whats your favorite watch to wear when you know you’re about to spend a long time in the bathroom?

Mine is anything with a dive timer bezel so that I can play with it if I get bored

Got an offer for 180k + 40k bonus for a SC role in Dubai at a T2/T3 shop. Is this competitive?

What are the best consulting firms for pricing (consumer goods focused)?

Anyone here quit juuling and then feel very drowsy all the time?

Hi Folks,
I got selected in LTI and got confirmation on selection procedure, I had a discussion with line HRon CTC part as well, now after all discussion HR is telling she is not getting approval from BU on my on boarding because of hing demand of CTC, now I am asking to line HR on offered CTC but I am not getting an update, can you please guide me what should I do now.@Lti

How is HSBC Client in terms of WLB and work culture

Patient advocacy leaders in Pharma- anyone interested to chat? I work for a patient recruitment vendor and am super interested to move to Pharma. Would love insider info!

I got 2 times in Nagarro cheerboard. For Sep and Nov month.

Will this be beneficial in appraisal?
BTW 2 Cheerboard ka bas 1000 rs mila
😭😭

Is Infosys still looks for percentage in X, XII and Graduation for experienced? What percentage they look for?

Any pharma shops in Washington DC or metro area?

Best Italian for boyfriends birthday? Thinking of Formento’s or Monteverde, any other good options with amazing pastas and as amazing atmosphere?

Hi Fishes,

I just received an offer from CTS -16.45LPA
16 - Fixed & 45k variable component with 1Lakh joining bonus. I'm having 5.8 YOE working as Senior ACon with current CTC - 11lpa
I have cleared 2nd round(managerial) with TCS direct project recruitment and waiting for salary negotiation. I'm confused whether to join TCS now itself (which might be too soon to settle down) or go for CTS for next 2 years. Please suggest me. My priorities are Steady growth, Work life balance, Job security.

Does anyone have recommendations for an accountant (CPA)? I feel like word-of-mouth is going to be better than all the googling I’ve been doing. I’m open to having an accountant not in the state I live in, but preferably east coast. My last accountant was not great and super unresponsive (Google was not helpful even though they had great reviews...) This year I’m going to need a decent accountant for tax planning purposes as my taxes will be more complicated. Feel free to DM directly

After I max my 401k/Roth IRA, I put $ in my individual brokerage (all through fidelity) via transfer from my bank acct…is there a better or more tax advantaged way?

Is ARKK still a good ETF to invest in?

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.

Is anyone holding didi shares? I’m trying to figure out what happens. If they delist, then list in HK, are shares converted? If I want to sell, how would that work? Do I need to open a HK bank account? Are there unique tax implications? Etc etc.

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

What's your take on mid and small cap growth funds such as VOT and VBK? Meaningful to maintain a good portion of my investment in there? (About 20-25%)

Any tips on where I can invest 200k right now? Goal is long term wealth building and nothing much else. Country - US. Age - 26 (So I prefer to be agressive)

What's with companies charging full fees for diminished benefits? I'm a bit annoyed about being charged in full for my Marriott card annual fee and Amazon Prime mebership

Any advice for me as I go blindly into searching for a fiduciary to advise me personally?

I am in my mid 30. Is target fund 2040 a good option to use for my pre-tax 401k account? Thanks

I paid off all my debt (mostly student loans) earlier this year and haven’t changed my spending or lifestyle and the savings have been piling up. It’s getting addicting just watching it jump up after every paycheck. Feels amazing to no longer be in crippling debt and finally move on with my life.

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?

My parents have very poor credit scores (<600). What’s a quick way to get this up? They recently paid back all debt but only have one credit card. Outside of paying back on time, should they open a new account to increase credit line / lower % of credit used? What options are best to quickly improve credit scores

Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

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.

Fav intl ETFs?

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Any any one here created irrevocable trust? If so what are the annual expenses of maintaining the trust? How hard is IRS paper work

What are the best prep materials to prepare for the CFA Level 1? Looking for some recommendations.