I was given a 15k, 0% loan to pay off my student loans upfront from a family member. Would it be better to invest this money and just pay back my family member monthly since the 4% rate on my loans would be less than (hopefully) the amount gained in the market?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

Have 200k to invest in real estate. Which option is better recc. Pros/cons?
CONT: For options —>

Hypothetically, if BBB was delayed and brought to the Senate floor next year (let's say February 2022) and passed, and the January 1st date for ending Roth conversions is left unchanged, what would happen to Americans who performed After-Tax 401k to Roth conversions in January? Would 401k custodians have to reverse the transactions and somehow factor in gains earned in users' Roth accounts since the conversion? Could there be penalties?

Guys ..
When will final settlement take place? What will be the components of it?

When contributing to a 529 plan in PA, in addition to being able to deduct PA state taxes on the contributions, can we also deduct the Philly city tax?

Looking for an investment that will produce current income and has a small minimum investment size. This would be for myself just to have more income. I'm willing to take any amount of risk

Roth vs Traditional 401k, thoughts?

If your close family (siblings, parents) are having financial difficulties, do you help them out?

I'm not talking having difficulty to buy a new car, but to pay for health insurance, rent, buy food, commute to work etc.

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

What motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

Can anyone explain why the Aston southend is so expensive ? 2.9k for a 1 bedroom?

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

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

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

Does anyone have any book recommendations for information on buying a house?

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

YOE:8.3
Current CTC is 10l, and I have offer of 21l
I'm trying to negotiate with fidelity investments for 28l(given my experience). How can I try better convince them? Please advise. Thanks.
Also i am being given grade 5, is that correct as per my experience in years?

I just got an offer with GuideHouse and I will be moving soon to DC. I heard that rents are expensive in the DC area and I needed some recommendations. Thank you!

Is the SPHR or PHR license necessary to pivot into human capital? I have a MBA from a Top 15 school. Any 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

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

Any advice for someone looking to transition into a full HR Generalist role from Recruiting. I’m currently a Campus Recruiter with about 5 years of HR experience (Coordinator- Higher Ed). I received my PHR certification in September 2020 and sitting for my SHRM-CP in two weeks. I’m having a hard time transitioning into a full Generalist position.

I need a referral in Fiserv. Please let me know in comments.

Go on then. Guesses how long until Uncommon sell?

Do you think independent agencies will be in better shape to handle COVID-related client budget reductions and/or losses?

Or does it not matter and layoffs are equal across the board?

Those in music comms: what are the best labels/agencies to work at?

How difficult is it to switch projects internally in TW? Is there any said amount of time you should be in a project before you can switch?

Any one here at HIMSS this week? Anything exciting to look out for?

Does anyone have any book recommendations for information on buying a house?

Anyone work in the VA system or specifically the Houston VA willing to share some pros/cons?

Heard ICIMS let go of 5% of their workforce today. Also heard that last week they acquired SkillSurvey.. must have cost a pretty penny.. better to keep the acquisitions going over keeping people employed

Anyone working in Optum, please DM

What’s the expected ctc for security analyst role with 6years of experience ?

I’m a copywriter and I’m shite at writing cover letters, which makes me feel like a fraud. Any other writers feel this way? Any advice?

Are there any good books to read from a start up perspective? I’ve reading the lean start up but would like some other recommendations

Career Sabbatical?

Can anyone who has taken a career sabbatical to travel/explore other interests share their experience with both leaving their jobs and returning to the legal field?
I really want to live in Asia for a year at least before I have to settle down and start a family. I’m not getting younger but don’t want to be reckless with my career.

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

So a lot of hate towards Whole Life Insurance, could someone please explain why they are so bad? Thanks

Assuming you are maxing out retirement, HSA, and IRA, have a fully funded emergency fund, and are paying extra towards your mortgage (with no other debt), are there any rules about how to spend disposable income? I want to buy what basically is an expensive toy that will depreciate. If I can pay in cash is it okay? Is there a ratio with NW that I should consider when setting a price limit? Any thoughts on how to buy a toy while also being financially responsible would be greatly appreciated!

So should I just not be paying my student loans now? If dems win this senate runoff loans would for sure be canceled to an extent? I want to use this period of interest free payments but also don’t want to pay if I don’t have to..

When you’ve accumulated 14 days of PTO, would you measure that as 2 weeks salary (1 paycheck) if you exit the company? Or are salaried employees paid only for week days thus 14 days PTO is nearly 3 weeks of salary worth? What’s your take?

Saving $20K for an engagement ring by EOY. Should I put it in a dividend ETF to fund the band or is that too risky?

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)

The store brand = name brand a lot of times at the grocery store. Always buy the cheapest.

CNN HL: DOW back in bull market, should it be?
The talking head says industries will crumble and its doom day!!!
Your take?

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?

Target Date Fund or Index Fund investing for 23 y/o analyst? Which should I prioritize?

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Im single and will be 30 very soon. I have an emergency fund and a good amount of money in the market. I love the idea of maximizing savings but I’m sick of roommates and will getting my own apartment in the summer. I am torn between saving as much as possible in a less expensive 1 BR and getting my dream apartment. It’s a difference of ~$400-600 per month. Help😩!

What is the value of / case for hiring a wealth manager with management fees (say 1% of holdings) as opposed to investing directly in ETFs/index funds yourself (through any of the brokers like Fidelity, Vanguard, etc.)?

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

Wow, anyone that cashed in on travel industry(cruises, airlines) is looking real lucky! Should probably cash out today though, right?

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?

I once heard that the average age of those that achieved a net worth of a $1M was around 49 yo. Is this intended to include assets like real estate equity or is this meant to be liquid assets / retirement accounts only?
Understanding, $1M is no longer the goal but for those of you that have achieved this already - What was the age you achieved it and are you including your home equity?