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

What are the benefits of a trust in estate planning for a single person with assets around $2m?

Does anyone do short term investing in the stock market (short term meaning 1day - 2 week trades) if so, what has been your best tool for research? Have you found this strategy to be worth it?

Next year, my wife and I will make $219,500 between us. If we contribute $15,500 to a traditional IRA, will that bring our MAGI down and make us eligible to contribute to a ROTH IRA as a married couple?

Alteryx stock - thoughts on the company as a longterm investment?

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

Have you received the salary today? Got the mail now but no credit yet in account 😕

Got my first job working retail! I'm so excited. I'm only 18 and I know it's not that much but I'm happy that I get to earn my very own money.

For USI Onsite folks,

Has anyone received the tax filings from Deloitte yet? I had submitted everything in January but haven't received anything after that

Hello ME fish - any suggestions as to where I could invest reasonably safely if I’m targeting a ~5% return (in USD/AED)? LIV used to be good with their 2% return but that’s decreased now, and I’m looking for a bit higher.

Currently on short term disability in CA and trying to figure out what the tax situation is. It looks like they don’t take out taxes, so should I set that aside? I can’t find any info on whether it’s tax-free income but I definitely don’t want to assume incorrectly

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Anyone knows what’s the best way to look up VC investment roadmap for maybe health tech or software focused VC firms?

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Pahado pe maggi bechne ka business shuru krne ka soch rha hu...koi partnership me aana chahta h ???

If you could start over, would you get your CPA all over again?

It's refreshing to see RBC's committment to no 2020 layoffs. Anyone know if any other banks are following suit?

Currently on my h1b visa which is expiring in 2021, but then it can be renewed/extended for another 3 years. When does company like Big 4 start the green card process?

After 3 years in TCS, I'm looking for a job switch. It would be highly appreciated if anyone can provide me with a referral to HCL.

Profile: Data Scientist/ML(Computer Vision, NLP)

Relevant YOE: 2

Is it just me or Marriott is actively trying to kill the SPG brand. Have been trying to reach SPG platinum customer service line - 3 attempts so far, each lasting 30 mins, no success yet.

Does anybody have a referral link for Amex Platinum? - has to be UK based

401k Roth or traditional 401k?

How do some agencies take all the awards yearly while others get severely shafted?

Hi All,

Need some career advice.

I have a year of experience in a clinical ops role where learning is quite stagnant. I’m eagerly looking to transition to good challenging opportunities in life science consulting/analytics and allied domains. Which organisations/startups/roles should one apply to being a non-technical applicant with a masters in biotechnology?

It would be really helpful to get your guidance on further course of action.

TIA!

Hi all,

I'm currently working as a Salesforce Developer with 1 yoe. Looking for a change. If anyone can refer, pls DM so I can share my details.

Thoughts on jumping to a boutique no-name consulting firm for 35% raise just before promo in second year out of undergrad? Super conflicted.

Boyfriend and I have been dating for ~1.5 years and we still only spend weekends together. I want to move in together at the 2 year mark but bf thinks it’s too soon... just feels our relationship is stagnant and not going anywhere. Any thoughts from ppl who’ve gone through similar situations?

Resources for writing good cover letters? All the interesting jobs seem to require them now and my previous attempts have been... Bad

New to trading and investing in equity. Have $200k in equity and $20k in MUNI bonds. How do you plan to diversify?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informed the gym I would be leaving. However, I recently checked my credit and saw that my membership had not been cancelled and had been sent to collections (prompting an inquiry and dropping my score).

Has anyone experienced this, and is aware of next steps to take here?

Does it make sense to max out my 401k if I want to retire by 40-45?

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Currently 25 years old.
Goals:
* Own a home in a HCOL
* 2 kids (eventually)
* Retire at 50 on $125k/year.

Envelope math:
* $125k/year would require an investment portfolio of ~$3M.
* Targeting a $2M home (split with partner)
* 2 kids - $1M to raise both (including college fund, split with partner)
* $500K buffer for unexpected expenses
* 33% tax

Therefore, 6.5-7M retirement savings needed. To hit this (assuming 6% return after inflation), I’d need to save ~$110k/year.

How does this sound?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Both me and my wife maxed out company match on 401K but are below the annual limit. What are our options now to take full advantage of the annual limit? Neither of us qualify for Roth IRA.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

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

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

Best high yield savings products?

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?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?