In and IBD interview, do you recommend using 40% or 20% as the tax rate when you’re walking through how depreciation affects the income statement? BIWS uses 40%, however it’s 20% these days. Does it even matter?

Roth vs Traditional 401k, thoughts?

What you prefer to tell when people ask your income?

I usually prefer in hand salary 😇
As CTC and in hand after tax deduction is too much different.😑

If i say i am earning 45 lakh people are like wow man so nice earning...

If i say i am earning 1.5 lakh per month
People are like baju wala builder bhi itna hi kma leta 😂

Par kaise btayein ise ki baju wala builder 12 lakh tax nhi bhrta par ham bhhrte hain 😥

#Tax payers ki khani unhi ke jubani

Do you have a prenup? What does it involve?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

How was your tax season?

Just bought a new primary residence that needs work. Current home has ~$100k equity after buying in 2019 with <$20k down (appreciated around 20% in the last 3 years, in a major metro area). Would you:

1) Lock in the appreciation & sell now. Use some for renovations/other investments.

2) Keep for another 2-3 years & rent out for a small cash flow (<100/month if self-managing), get a HELOC if needed. Note it would not pass my investment criteria if buying today.

3) other approach?

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

Hey gang - I want to get more serious about my stock investments this year but don’t know where to start. Already maxing out my 401k and Roth. No debt.

What are your favorite/best resources for teaching myself how to build a strong long-term investment portfolio?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

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?

Does anyone here have a Tesla? Should I do it???...

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

My son will be turning 1 soon and I would like to present a gift and thinking of investing on a watch so that it will hold its value 25 years down the lane, any suggestions would be very much appreciated. Budget is around $7k.

Amex Platinum Users - How does “no preset spending limit” get reported to the credit bureaus? Just got approved and 6 months ago my credit was around 580 so this is a huge achievement for me, but I’m also obsessed with maintaining my credit score now. Google has not been helpful; too many answers are no answer. Thank you!

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

Hi Folks. I am a single and planning to move to Seattle. Need some recommendation if 130k is good enough to live comfortably in Seattle.

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

Can anyone provide a link or resources for best recommended resume templates for product managers trying to get into FAANG companies? Thank you!! 🙏🙏

Hi friends
I have been working with Oracle since four years in a sales role my total experience is six years
I am keen to change my career and move out of sales can someone suggest what all options are available after having been selling IT solutions
Your suggestions and advices or highly appreciated

Hi All, does anyone have information on Markel client in Synechron. How is WLB in the project.

Just realized I hadn’t had an in-person interview since 2019. I’ve done multiple zoom interviews and was onboarded remote in 2020. About to see a real person today! Wish me luck.

What would you all say a VP, Management Director at an Ogilvy, Leo or FCB make? $150k sound right? Appreciate any insight here.

So Becker was supposed to charge me $600 to update for unlimited access since my account was due to expire in March. I called them in December to make payment. Now 8months later...they reach out to me saying they only charged $35. I just checked my bank statement and they are right but i don't have $600 sitting around...What do i do? Thoughts?

Tricare Q:

Vets using Tricare with a family. I’m out and can use Tricare with the VA, but my wife and I each use our company offerings for our family; which obviously come at cost. Is it worth it to switch to Tricare? Has anyone done this and can share details? Positives/negatives?

Need to kind of just runaway somewhere for the summer for mental health reasons…any recommendations on a place where it’s easy to meet people?

Microsoft Azure
Aws
Developer, administrator, architects

Remote support from india, for USA customer

How much they pay for 2.8 yr Java developer?

Need 11 likes!

Can a robot really do your job?

Anyone know of a good exchange that will let you withdraw in Canada? Canadian withdrawals are blocked on Coinbase....

Has anyone recently onboarded to Accenture and how was the experience. Wat is expected on ur reporting day n when do u get ur laptop delivered.?

Does anyone here work for the Pokémon company? My girlfriend is looking for work right now and I saw a position I thought she was a good fit for. I was wondering if I could set up a meeting for her to talk about the company and maybe earn a referral.

Does anyone have experience with any of the following preschools: st Luke’s, St. Paul’s or st Stephen’s? We live in the montrose area and looking for some feedback.

Any experienced professional facing challenges with regards to delay in joining JP Morgan similar to companies like wipro, accenture and infy

What do you think are the new things to learn in data engineering in Azure platform

How many times do you think about quitting per day?

I am new in London. I have 4 years of M&A experience in the buy side. I have come across an opportunity to work with Rede Partners in London. But I am not aware of what exactly they do and what to expect going ahead. Can someone please guide if they are aware of Rede Partners?

Want to get new bag for work and not sure if I should get a Tumi briefcase or backpack. Seems like I’ve seen more backpacks these days. Thoughts?

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

Late stage analyst 1 at a mid-market heavy TMT focused M&A boutique in London. Keen to increase exit opps and realise it may be worth trying to lateral to a BB / name brand. Any opinions / advice on achievability? If low, what’s the best move here.

Public finance exit opps?

I can really use some direction. My background, I've worked 2 years in strategy and am currently coming off an exhausting year 2 in investment banking. I didn't particularly enjoy either role and am not interested in moving over to the buy-side or some monotonous FP&A role. Everybody says there's exit-ops aplenty, but I find myself with less options and even more picky than I did as an ambitious T2 undergrad student. Where do I go from here?

Difference in A1 stub bonus when joining in March vs. summer as usual? I’m joining early, but still part of the 2022 Class.

Thoughts on PJT strategic advisory?

What are realistic expectations for 3rd Year Analyst / Direct Promote Associate bonus range at a BB? Note that at MS, 2nd year bonuses in my group last year were 90-115K, while MBA associates received a pro-rated 90K stub (~40k). Personally would be pretty unhappy to take a pay cut between 2nd and 3rd year…

Any info on best MM LevFin / FIG groups in Chicago?

What are some resources (paid or otherwise) that will make me a better banker? Wall street prep's course was great, anything else that would help me ramp up as a nontraditional background, lateral recent hire?

I'm up for associate promo next year and nowhere near ready right now (obviously).

Thoughts on GP Bullhound?

Looking for advice: I have an analyst (9 months on the job) who still doesn’t get it - repeatedly misses comments, doesn’t follow instructions, slow, etc. I have raised this to both my MDs and they seem to be adopting a “not my problem” approach when I mention it. I had advised against hiring this analyst post internship and my MD insisted that all the issues I highlighted were fixable. I have tried teaching him to no avail and frustration with him is growing. Any suggestions for how to handle?

Senior Risk Consultant + CPA at big 4 (4 YOE) looking to break into IB with no Deals experience. Would appreciate any tips, tricks and resources for interview prep and beyond. I have an interview coming up with an MM bank in their Real Estate group. TIA

Would tech ib (m&a) be more affected than say Healthcare/pharma ib in an economic downturn?

Say I work in tech and have a decent finance experience. Would my 3 yoe of domain "expertise" in tech make me an attractive bet for the banks Tech coverage team? In other words, does having experience in Tech make me more hireable for IBD?

How do you find out who’s “top bucket” and who’s not? Do they disclose this? Also how do you become one?

DB ECM - does anyone have a view?