Investing beginner. What is qualified a short term gain for tax purpose. E.g if I do DCA for 15 mo. & then I sell everything right after will the gains on profit be just for 3 mo? How is that calc

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

If anyone is interested in investing in crypto, I’m running a kickback campaign on Vauld, where both, you and I can reap benefits. You could also FD your crypto investments at interest rates as high as 12.68% for a few tokens.

Comment here or DM me personally if interested to talk further. Note that this crash is a great opportunity to enter. 😊

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

What to do when your spouse is on a diff tangent in terms of finances? My wife wants to spend spend spend and I want to save save invest.

For those who have most of their money invested, when a building wants to see your bank statements for a new lease, can you show them that your money is elsewhere?

Anyone here recently get or see any amazing jumbo mortgage rates? It’s painful to search each bank individually. Would love something under 5.5% (only looking for 30 year fixed)

Hi everyone, any tips for resignation letters, who to meet/tell first, what to do before your last day (i.e. anything adulty like 401K or healthcare)? Any insights would be greatly appreciated!

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

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

Hey, i am looking to invest 25-40k where i can easily make 7-12% of return. I am looking for things like rd which have very low risk appetite. I will be using this collected amount to invest in stock market when stocks are made available at very cheap prices...

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)

Do you pay attention to BTC or ETH funding rates? Does it impact your trading/investment strategy?

Senior tech consultants in Toronto or Canada in general - how much of your paycheck goes to tax, pension, etc.? Do you mind also sharing your income or range?

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

I made a mistake starting SIP in a ULIP. Used to invest 7500 per month starting from November 2018. I have discontinued my premium payments since last year. That is when my fund was moved to an interim surrender state and now it earns 4% per annum interest.

After 5 years of lock-in that is November 2023, can i withdraw the entire amount at a time? (Of course after paying surrender charges)

Help please!!!

Strategy & Ops at large tech company (non-FAANG) - 120K TC (San Francisco)

Rotational Program at Industrial Firm - 170K TC (Chicago)

Industrial Company:
- Would pay for grad school
- Comp is insane
- Work is more niche
- Company culture is rough
- MBB / tech exit
- smaller less known company

Tech Company:
- Cool company
- well known
- Enter tech early on
- Salary lower than other by a lot
- PM / Biz Ops exits

Both companies have good MBA placement. What would you do?

Why do corp dev roles for PE backed companies pay more than corp dev roles at corporations? Also, what’s the comp range you guys are seeing? I’m getting offers for 120K-140K and this just seems really low.

What is comp like at a pension fund?

I’m thinking about moving up to a high school English position from 8th grade English. Mainly I’m looking for a change. Any thoughts on the differences I’d be facing?

I have high school children of my own, but disciplining high schoolers has always intimidated me for some reason. I have excellent classroom management, but I feel like high schoolers are a little smarter ab getting around rules and less worried about consequences.

I’m told by an hs tchr that the grading load is ab the same.

After 5 years as an AE / Sales Manager, what are the next possible career paths?

I love sales and wish I could stay as an individual contributor, but I feel like I am not getting anywhere with the salary i want, and the job itself I feel isn't using all of my potential/skillets (plus I'd like to learn and put into practice more).

So I'm really keen to hear from others what steps they took in their career to get into roles they love doing now but still within the sales side of an organisation.

I’ve been told my company is changing my title from Associate Director of BD to Sales Executive. I’m concerned it reads like a title demotion. Is it just semantics? How will this look for my career development? Curious about the standard perception of Sales Executive from a seniority perspective. Where does this land on the sales roles hierarchy? For context, it’s a professional services firm, I’ve been there 3+years, and they gave a Sales Executive title to someone who just started 5mo ago.

Anyone use OneNote as a transactional lawyer? How do you like it? Trying to be more organized with all my ongoing deals!

Hi Everyone, we are looking for an experienced digital marketing account manager to join our team. Our mission is twofold and ordered: 1) to create a community of leaders & creators, to empower our team to achieve their dreams and to best help others; 2) to honestly partner with our clients, and with their best interests, build scalable solutions that provide profitable growth.

How many hours a week are you working? I’m generally clocking about 50-60 and I’m exhausted. I’m busy, but it’s mostly because no one I work with has any boundaries.

Can someone please describe how work life balance at Mastercard?
and how will be onboarding done as far as KT is concerned, for someone with experience range of 3-5 years

@PWC is worst company for freshers. They are force innocents to resign by themselves and threating then to not to mail anyone and not share this context to anyone worst company, if layoff means ok removing and threatening to not to disclose to anyone means the have lost every single moral. Don't fall trap in the brand name @PWC.

What are benefits like at Accenture?

Does EY help pay for hearing aids? Starting full time this fall and I think I remember reading something about it when I interned but I no longer have access

Tips on writing marketing company that sounds organic and punchy?

I work on a consulting team at a large software company. I’m a job hopper, around 2 years each at my first and second jobs and a little over a year at this job. I recently found out they’re shutting my team down. We’re not fired, but they’re transferring us to the core implementation team, which has a horrible reputation for malignancy, overworking, and isn’t at all what I was hired to do. How hard is it going to be to for me to find a new job? Should I just stay and try things out? What next?

Where to eat tonight ?

We are starting to prep a big case for a 3 week federal trial. I’ve been an attorney for a year now and my firm has had this case for a while. What are some tips you have for prepping and also that will make my boss choose to take me to the trial? I have been the main associate on the file but other attorneys have done stuff here and there.

Is Deloitte allowed to use Robinhood? It's not a robo adviser and obviously you wouldn't invest in your clients. Or wealthfront?

Hey people,
Are there any visa restrictions on mining for Bitcoin or ETH in USD.

How do people feel about Tesla ? Buy ?

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

Rate my portfolio.
45% VTI
30% QQQ
5% GBTC
Leaves me with 20% left to invest what should I invest in. I am young and can be risky.

Has anyone reevaluated their retirement methods after a life-altering experience? I used to invest a lot more ($5k or so a month), but after losing one of my parents last year (mid-50s), I’ve wondered if it’s better to just enjoy life as we are living it. So, I started investing a lot less. But I always see people on here talking about all of these retirement schemes (backdoor Roth, mega-backdoor Roth, etc.) and I’m wondering if there’s a happy middle ground somewhere.

Currently 23, first year post-grad. I’m currently putting about 20% into Roth 401k, nothing into Roth IRA. Originally had traditional 401k but just switched current / future contributions to Roth 401k. Company 401k match only 6%.

Should I be maxing our Roth IRA and then focus on 401k contributions?

Help please, so many options!!

I’m originally from Brazil and most of my investments are allocated there.

Brazilian fixed income products are paying 13.25% returns and I’m wondering if it’s a good idea to secure this return in Brazil or if now it’s a good time to build a portfolio with US equities?

(90% of my money is on my Brazilian portfolio)

How do you vet tax accountants to tell if they're good or not? How much do you spend on them for annual filing?

When is the right time to buy a second home (primary investment/ secondary vacation home)?

I don't have car experience but I'm going to buy my first car (used 2018). I don't have a mechanic to help test the car. Is it safe enough if I buy from a dealer with points inspection + low milage (< 30k km)+ clean carfax + contactless delivery? I have funds available to pay in full.

Starting to get into investing and generally a pretty risk averse person so not out here trying to make fast money. What mediums do people generally use to invest? Think I’m too easily stressed to pick individual stocks, but happy to take suggestions for platforms for both. TIA!

As a US resident, (how) can you buy stocks on international exchanges (like Hong Kong, Bombay)?

I had a baby almost a year ago. I should start a 529 account for my child but I am originally from France which also makes her a French citizen and she could easily go to college in France for not much money. It’s pretty much free there, I have 0 Student loan debt. With that in mind, a 529 would not be super helpful if we go that route. Should I consider other options? Do you have suggestions? Thanks so much!

Stock market is like life, full of ups and downs.
In the hope of market going down maybe not to the March lows but close enough for me to buy.

What are things to know about buying and operating a laundromat?

How to invest in commodities (e.g. wheat)?

I’m not certain about who will win the election, but unless it’s a landslide, I am concerned that it could take weeks and/or months to determine an outcome. In your opinions, is this a legitimate concern and if so, what would the impact be on the markets?