In my HSA I am holding 4% in ARKG and 4% in PBW (clean energy index). Both are down 50%... looking to consolidate my funds, so I am considering selling them both and allocating the 8% into something like XT? I understand I made those purchases in times of extreme optimism, so that is an F on my part.

My other funds in there are 64% VTI, 16% VXUS, 5% VWO and 7% EMQQ.

Looking to buy, hold, and DCA. Would you swap ARKG/PBW for something like XT?

PPEDs: Just found out that a Partner, who was promoted in 2017, was fired. IDK the circumstances. What can they expect to walk away with besides 401k & normal pension plan?

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Advice and tips for a first time rental property investor?

I am 24 saving up for my first property to purchase at the end of 2021 / early 2022 in the Long Island, NY area.

I’d like to save up around $50K in my HYSA for a property <$400K in LI. Does this sound reasonable?

Does anyone have any advice on investing in the LI area (best location, SFH v MFH) or just general first time rental property buying advice?

Thanks all

Got targeted for Amex platinum 100k. Is it worth it? Is there a higher targeted offer?
Considering doing it since no more personal card for BCG expenses. Also have CSR fwiw.

Have to use a financial advisor due to inheritance doc requirements. Where can I find the best low cost advising? Even if it’s automated or the low monthly fee with an annual review - I think those fulfill the requirements I need to meet. Thanks!

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

Anyone got a sample list of information I should consider before investing in a private company. ,Considering putting 200k into MSSP. Ok have no experience investing in private companies.

Was there ever a time you wanted to give up being a real estate agent?

What’s some good digital invest account platforms?

If anyone wants to discuss about tax saving

Let's have chat

Iwe can save good amt of tax for you
& Ha it is free

Is it just me or does anyone else know or have an inclination that their employer committed fraud after receiving PPP loans during COVID pandemic?

Finally got over my fear of timing the market vs time in the market. Finally bought some voo and qqq today and plan to DCA the rest. Thanks guys!

When does HSA contributions show up in BOA account? I’m seeing HSA contribution deducted from my paycheck but nothing on BOA account.. had three paychecks so far. Also, does Deloitte deposit a one time firm contribution to HSA account?

Planning to visit San Antonio for a day. What are some cool things to check out ?

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

Does anyone have a good spreadsheet for estimating the value of donations to places like Goodwill? I made a ton of contributions and need to itemize them for taxes. Thanks!

How do we get TSA Pre through AFS?

My portfolio is getting HAMMERED this morning. That is all. Clearly I'm not selling but seeing straight reds is painful.

Any solo traveller in San Francisco in the second week of September?

Accepted job offer with higher salary, but after cost of living adjustment it’s turning out to not be a raise…struggling with this now. How bad would it be to rescind my acceptance?

What is the midpoint salary of Band 8?

FINALLY saved up enough for a Leica kit - I was very excited for the CL - but the shop suggested the Q2 as a really great travel camera, and now I’m not sure what to get. Anyone here shoot Leica? I’m looking for a simple to use, compact travel camera. I love the lens -swap on the CL (one day want to own an M and SL kit) - but the Q2 has me thinking…

I have passed the nagarro online assessment test, when can I expect the call from recruiter , it's already 2 days now.

Suggestions for good coffee in midtown? I don't care for the ambience, don't care if there's a little wait time. Just looking for good coffee. My current favorites are Cafe Grumpy and Blue Bottle.

If you’re in a relationship (even a happy one), is flirting fine or walking a line? I think consistently flirting with the same person can be shaky, but what about strangers if you’re out?

Hi ,
I am having 5.5 years of experience in software testing.

My current CTC:7.26lpa
Offer in hand: 1( Big 4 Company)
Offered CTC:12LPA

Can I try for other opportunities or can I join on this company?

What is the current salary for 5.5 years experience?

Hi Fishes,

I am working in Capgemini past 2.5 yrs in Power Bi domain and total i have 5 yrs of exp in IT industry. But my salary is same as my experience 5 LPA. I know i am getting underpaid. If anyone can refer me help me out ...i can give him my first salary... I am at a high debt.

Should I wait for bgv successful completion afyer getting offer letter before resigning ?

I have attended technical interview for eygds.
I could answer majority of the questions.

But didn't received any response from them.
It's been more than a week.

Did anyone attended eygds interview for java developer recently.
@eygds

Best brooklinen sheets for summer?

How much does it cost to put a pressurized wall? Any recommendations with good prices?

Looking for a therapist, ideally in person, lower Manhattan and CIGNA. Any recommendations?

Why is gentrification portrayed as bad?

Best bars, lounges and dance places for 30+ crowds in Manhattan?

I’m looking for a new partner to help us secure big name music rights. Anyone have suggestions on who to use?

Buying a house with monthly expense of $4900, although my current rent is only $2350. My total HHI with my husband is about $310K. I’m feeling weary of spending this much but we live in a HCOL area near a major city and we have high taxes. It’s hard to find anything decent under $800K. Should I just suck it up in order to be a homeowner?

How much of your income (%) regardless of savings rate would you spend for a house renovation?
We are moving into a house but it needs to be remodeled. Finally no more rent and no mortgage

What do you want to do when you reach FI?

Custodial or 529 for child?

As an investor, do you choose longer or shorter amortization periods when paying off your mortgage and why? Will return on investment be higher if the amortization period is longer?

I would like to hit fire between 40-50. Currently 27, 185k total comp (125 for me and 60 for partner). Like my job don’t hate it don’t love it. Does an MBA make sense? I’m guessing it could take me to 170ish with that schools I’m looking at but wondering if the 40-50 retirement range makes an mba not make sense since I’d only have 10-20 years to save vs 12-22.

Would have to finance the whole thing myself. Current net worth is 140k. Thoughts?

401k Roth or traditional 401k?

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Any tips on refinancing student loans?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

Learned on the day of the deadline to enroll, that my partner's employer offers voluntary participation on a deferred compensation plan. First time I hear of such a benefit/option after working for years! Any general (i.e. not plan-specific) lessons-learned, gotchas, pointers to offer as we will have to quickly decide to enroll or not?

TIA!

Can people working side gigs as consultants receive deferred compensation? Or has anyone seen other creative, legal ways that consultants can work now and get paid later? I have a side gig that could end at any time, and I don’t envision it going into 2022. Good problem to have, but the side gig is bumping me into higher tax brackets this year, while next year, I envision I’ll be back to lower brackets, so I was wondering if there’s a way to delay some of this compensation to next year.

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Landed a contract role at Deloitte via MBO Partners for an audit senior role. MBO is making me a W-2 employee for MBO, but I am getting paid $125/hour plus overtime. Am I missing something here or am I about to be making $5K/week (or more with OT)? Anyone have any experience with MBO or doing contract work like this? Obviously way more than I'd make if I stayed at KPMG for busy season.

Should I be reducing my contribution to my 401k at the moment? Based on the drastic 🐻 market?

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Potentially dumb question here: I am starting law school soon and will not be employed (net income of $0 assuming I don’t get a good summer internship next summer). Does it make sense for me to sell my personal investments next year (assuming my income will still be zero) so I’m paying a 0% capital gains tax rate? I’d just rebuy all of the same stocks immediately… am I missing something?

Anyone know of a good cross-border US/UK financial fiduciary?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

I left my job a month ago & my 401k match never vested, but is still in sitting in my account. Is there anything I need to do or will my old company take it out on their own? They never mentioned anything when I left. TIA!