If anyone’s looking for a HYSA with good returns, you can use my referral link to Marcus

https://www.marcus.com/share/AVI-M5Y-U8IQ

Made my first few options trades.

first lesson I learned- take profits ASAP! calls went from +100% to -20%.

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

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Shifted more options profits into 250 NOK shares

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

I’m an early startup having raised a bit of money from family and friends to help grow my business. Time is moving fast and I’m potties I won’t hit my targets and being the return back to those who invested.
Once I have used the money that’s been invested there’s no way of seeing it again and still bringing the return quick enough.

The numbers still show it’s possible, I still believe in the concept and I’m still growing, I think I just have some imposter syndrome.

Any advice?

Looking for a lawyer for get prenup done. Any recommendations will be helpful

When in your pregnancy did you (1) purchase life insurance and (2) have a will drawn up?

Hey Fam, I’m thinking about doing DIY investing/passive investing. What broker should i use? I already have a wealthfront account. But I’m thinking doing it myself will have less fees. Thoughts?

Any good Cannabis stocks, ETFs, or mutual funds with decent returns?

Pre-tax 401(k) or after-tax...thoughts?

Is it worth saving money with 401K or get better rates in FD’s / Post Office etc in India ? FYI 50% match is provided by company for first 5% only

Seeing it firsthand. Book net income: $5,000. PPP Loan forgiveness: $1,500,000. Owners distributions: $1,500,000.

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

Is it possible to buy a new luxury German sedan car with 30k budget?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Difference between Vodafone India services and Vodafone Intelligent Solutions? Are these two different companies?

Anyone done Invisalign recently? How was your experience and was it worth it? How long did you have then for?

I have a dear friend whose mother just passed from diabetes. She was on government assistance. Didn’t own a home. Had upwards of 60k in medical bills. Yesterday alone he received 7k in new bills

Dental insurance question: if the company dental insurance doesn’t cover enough and you +spouse both need implant next year, could you buy additional dental insurance? From where? Anybody have the AICPA offered one? Thx!

I have an offer to start at a new firm 3rd week of January and am trying to figure out timing on when to give a two week notice. For context I’m in consulting and our current projects are wrapping up by year end/we don’t get a busy season surge. I have two weeks of PTO to end the calendar year scheduled, and am afraid if I say anything before the break they’ll cut me off before my time off. Is giving notice first thing next year the best idea given my constraints?

Can anyone suggest a good therapist in dt Toronto for someone in their 20s?

Dreaming of less stress and more freedom these days. What would you all be doing if you weren't in this field?

What you should do when dealing with a very toxic worker that keep on sending passive aggressive messages to you as well as in group chat and email.
Things like when you answer his question he respond: I know that
Or when he keeps on saying my change requests were just minor in group meeting but actually not.
And keep on saying how hard he works when he clearly wasn’t and already underperformed compared to an intern level.

How to not let this toxic co-worker not poison me any further?

What are some brands with an in-house agency? Looking to make a move to client side.

Hey fishes! Need some advice - I’m looking at apartments by Liberty Harbor in downtown Jersey City. I’m seeing mix reviews online. Anyone live/lived there?

Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

Any other Social Workers here working at a major Hospital (Mayo, John Hopkins, Cleveland Clinic, etc)?

Anyone succumb to the ads and try Il Makiage make up? Foundation/concealer. Their brilliant ads make me curious, but not sure why not seeing it at Sephora is getting in my way. (while I’m at, how about that Thrive mascara that is everywhere)?

Hello 🐋🦈
How’s wlb at Games24x7?
How’s promotion cycle and performance bonus policy?
Please help 🙏🏽

Can anyone share their experience working in the online gaming industry (RummyCircle etc. kind)? What kind of work culture can you expect at such organisations?

TIA

Should I take up this job?

Current - Consultant in Deloitte USI
Offer - Senior Consultant in EY India?
Hike offered - 30%

Role - Internal, EMEA Leadership Support

Please help.

Guys - A seasoned BSA looking for PO / PrM opportunities in asset and wealth management firms. Is anyone willing to refer me to their team or forward me to their acquaintances? Appreciate it.

Bonuses aren't a thing in Siingapore?

Having a baby and looking for consulting exit opps. I’ve been in strategy consulting for two years and recently promoted to manager. All projects were in tech or LS. Prior to consulting I have 10 yrs of Pharma experience with a MS in Engineering (non-CS) and data science. Fluent in Python, Ruby and Java but never coded professionally. Spent several years in process engineering and then project management. Interested in tech or digital health. Any advice on companies, roles and levels?

When is bonus paid. If someone resigns and serve notice period in Dec, will they be getting bonus?

What does 401k mean?

Any good wedding ring sources aside from Blue Nile?

Paid off my account debt!

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

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

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

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?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

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)

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Best high yield savings products?