If Mega Backdoor is eliminated, then what account types are the next best options for tax-sheltered investing? I am already doing HSA, Trad 401k, 529… is taxable brokerage acct (so just long term cap gains tax) the only other option going forward?

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Brokerage account or real estate, crypto or other investments which would be outside tax advantaged accounts

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Next best would be dividends and long term cap gains which are taxed at a lower rate.

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That should cover the tax advantaged accounts. You'd be left with taxable investments like brokerage or crypto.

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Does anyone have any advice for applying to remote positions? How do I stand out? Most of my experience is in healthcare, clinical and administrative. I want to go to school full time instead of part time and working remotely will provide a better opportunity to facilitate that. I’m applying everywhere with very few callbacks. I’m trying to get into tech as my degree is in Information Systems. Any advice would help!

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Transferring from US to UK. What are the standard benefits you get as a big 4 senior manager/director? Like phone? Car? Fitness allowance?

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Feeling really lonely this holiday season and I think it's time for a change. I love my job but I'm realizing I devote too much time to it. I would really like to expand my social circle and potentially meet someone, but I don't really know where to start. Ideally my partner would also work in healthcare, but it isn't a dealbreaker for me. Ladies what should I do?? I'm a 32 year old woman with no kids.

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What are the benefits of working in a Salesforce company?

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Has anyone made the switch from firm life (specifically, ID) to a government role and regretted it? It’ll be less pay, but better benefits, more fulfillment, and obviously no billable hours which sounds amazing right now.. I’m just really nervous that I’ll miss the paychecks!

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Looking for any Bay Area referrals for a non-technical role that requires an amazing people-person. Calm app?
Husband worked in an education nonprofit for 7 years - started as program staff, quickly promoted to program director, left because of toxic management, lured back as another team manager with better pay and benefits but toxic boss is no longer worth it. He is truly an exceptional manager and is having trouble finding a way into a new org that isn’t at the bottom rung or dismal pay…

I retired from teaching in an online Bachelor of Science program after six years last year. Also, I have 12 years of hospital and managed care case management. I have three years writing appeals for denied hospital claims. I decided I do not want to retire. I am looking for a new opportunity to work remotely. I have attained a Master of Science in Nursing Education. Please hire me!

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So I’m thinking of taking a pharmacy tech course at my local community college. I already work in healthcare on the admin side (authorizations, front desk etc) & looking to get a certification that’s quick & don’t have to go back to school. How is it being a tech in the hospital setting? What other paths are there for techs? How much can you make? Or are there any other short certifications that would make more money?

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Anyone run a side business for the tax benefits? Thinking about things like the over 6000lbs vehicle tax deduction, home office deduction, etc. What sorts of business do you all have?

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If biglaw makes so much money, why dont most partners retire at like 50?

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Does American Express gives the Diwali gift ??
Amex

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I've been thinking about a concept: essentially a decentralized exchange similar to Kyber, except it would also have the comparability to issue new tokens on the platform. A new ICO would be proposed on the exchange, and the issuer would be able to also upload information about the project (white paper, code, statement from founding team, etc). P2p would ensure that information uploaded would be linked to the original issuer and prevent false info on ICOs which is currently rampant. Investors could then use existing tokens they have listed on the exchange to stake into the new ICO under a set of rules established by the issuer using smart contracts (ex: first 1000 bitcoin would get x tokens per bitcoin, next 1000 would get y amount of tokens, funding is capped at a certain amount, or however they want to conduct their funding round). Issuer can also set a threshold to return funding if the adequate amount of seed funding isn't reached, in order to eliminate underfunding of projects which often drives coin values down to zero. After a certain amount of time on the exchange, the promised ICO coins would automatically be issued to investors and immediately listed on the exchange for trading.

Any coins staked on the actual exchange itself would generate a return of a percent of every transaction.

I think this would make ICOs very transparent, enable regulators to easily monitor ICOs, reduce a large portion of the risk associated with new coin offerings, and open the door for accountability for founding teams and potential legislative recourse. Right now, someone could write a white paper and a few thousand lines of code, pump and dump Reddit, issue an ICO, collect millions in bitcoin/ether, and then abandon the project with no transparency or consequence.

What are y'all's thoughts on this kind of protocol? It's just a curiosity that's been rolling around in the back of my mind for a while.

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Happy Friday! Has anyone made the switch from HR Generalist to payroll/benefits specialist? Wondering if you missed being involved in hiring, onboarding, employee relations. These are the things that are super stressful for me right now (dept. of 1) but also what I somewhat enjoy. I’m newer to the benefits space but very interested in it.

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Just wanted to celebrate a little for completing my first week as an ACD and first week back after maternity leave.

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I got offer from Capgemini and joining location is Bangalore. Will they allow me to transfer my offer to Chennai.

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Johnson & Johnson Mondelēz International I am working as a Territory Manager with Cars24 from around 11 months and in total of around 6 years of working experience as a Team Leader. Data Management # Channel Sales # General & Modern Trade # FMCG # New Product Launch # Marketing & Finance. Looking out for a organisational and cultural change to enhance my productivity and learning.🙏Britannia Industries Limited ITC Limited Johnson & Johnson Nestle Dabur India Colgate-Palmolive Pepsico Marico Hindustan Unilver Limited Mondelēz Internatio

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In Canada if that helps things.

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Any thoughts on working for Amazon in tax vs. public accounting?

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Additional Posts in Personal Investment Chatter

If you kids are the beneficiaries on my will — can I put one of them as the primary executor as well ? I’m divorced btw

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what’s the most you’ve spent on brunch 🤣

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On personal Capital, how many of you add the value of your car to your net worth

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If I’m above the Roth income limit, can I do back door Roth for my Roth IRA and mega back door Roth for my Roth 401k? And does back door Roth count against contribution limit for mega back door?

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My federal student loans currently have a ~4.5% interest rate. I have a lump sum that could take a significant portion out, but I’m leaning towards investing in VTI instead to outperform the interest rate.

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What are some ways you guys earn passive income (other than stock market) ?!

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Everyone in this bowl has been a tremendous help in this process. I’ve never been good at saving, so this is a big milestone for me. Thank you again to everyone who gives out advice in the bowl, it is truly invaluable. Happy NYE! ❤️

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Does anyone have experience adding authorized user to a fidelity account?

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Has anyone invested in real estate using Lofty AI or PocketProperties? It seems like a good way to dip my toes into real estate - the minimum amount is $10-50 and I would benefit from receiving rent payments proportional to ownership and appreciation in value.

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