Just paid off student debt, have around 7K in savings - any tips on what to do ? Should I save up more till i hit 25-30K (do have a wedding potentially coming up in 2 years) or start dumping all money into stocks and btc? Currently putting 10% to Roth and make 100K pre tax income if that’s any help

Client had a privately held REIT in IRA. Trying to transfer to IRA I manage to diversify. I need some help. Continued...

Anyone at big 4 get their real estate license? Did you get an approval to pursue?

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

I worked with a Junior AD that skipped college and went straight to portfolio school. I was mad resentful of him at first, mostly because I wish I would have thought of that and saved $100K.

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Do bank managers/loan officers at local branches have any sway in approving loans? I live in a small Midwest town would it be better to go to my local bank and see if people I know there can get a better rate etc on an auto loan?

Curios to see how you guys log your down payment and remaining loan amount ( home , Auto etc ) in apps tracking net worth ?

Recently put 20% down cash for house which brought down the cash component of net worth but wondering how to balance this . Home equity ?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

Hi all, my office is in RMZ ecoworld. Please suggest 1bhk house available for rent nearby starting from Oct 1

What percentage of your monthly income do you actually see in your check, your net pay? Basically, what percentage of your check goes towards all the different deduction? I get 50% of my gross income deducted.

Hi there, I had a question about 401k or Roth IRA. Should I put money into anyone of the two as an international student? I don’t see the point because I want to invest my money instead of saving it. Plus I don’t even have a permanent resident status so I don’t know if it makes sense saving it for retirement. On the other hand, the employer match and so on sounds good. So should I save it and take it out later or just invest it?

Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Anyone have a good tax person in Philly

How Income tax deduction is calculated in Mphasis payslip?

Is there any specific % or threshold values?

Hey
I have investment in crypto and as per kpmg policies we cant hold it. Can anyone please tell is there any way of holding the same and not getting caught.

How do people feel about VGAC going for the 23 and me merger? Shares are about $10 now and I’m thinking I might buy in and see where it goes. Thoughts?

Has anyone done a collab with influencer MIKIRAI? I know she’s a big deal but i’m trying to figure out if she’s worth the money, our agency just had a bad experience with an influencer and the client is not happy. We need to make a comeback! All insights are appreciated.

Advice/suggestions please:
Let’s say you were interviewing for a global client lead role - at the holding co level - for one of WPP, Omnicom or IPG.

What questions would you ask in the interview phase?
What concerns would you have?
If you had your pick of essentially the same role at all three of those holding companies which would you pick? Or not pick?

If you have any insight/two cents you up for sharing to help me out, thank you!

What will be the case if client doesn't like my performance.

Will they release me from there project before contract ends or any action in terms of termination from job will be taken by client or Nagarro.

Just wanted to know, has anyone went through this kind of situation???

What is salary range of lead associate in EYGds?

What does your NEW operations look like due to COVID-19? How many early childhood Ed providers remain in operation and who is closing their doors?

Hi!!!

What cheat sheets do you all use for writing IEP goals? Is it from the district?

ZS or Synechron?
Both offering same package
But I think learning curve will be more in ZS.
Tech Stack: ETL dev
YOE: 4.4

I am planning to apply for PM and TPM roles at Amazon. Is there a slowdown in hiring or hiring freeze in place for these roles

Anyone have slow months where you burn through a lot of your allotted pro bono/professional development hours to keep hitting minimum daily hours? The past few weeks have been like this for me. Should I be concerned (I.e., will this reflect poorly on me, come review time? Will I have dug myself too much of a hole if I keep burning my non-billable hours?) I’ve been asking partners if I can assist in any projects so I can fill my plate, but I’ve only gotten small (4-6 hour) tasks handed my way.

If you do billable work on a given PTO/vacation day, do you still count that day as vacation? Or do you get that vacation day "back"? Or do you only get the part that you billed "back"? (Or some other option.)

Anyone have a job with the flexibility of public accounting but no time sheets?

Public finance exit opps?

For Plaintiff's attorneys, how big is your caseload? What kind of cases are the majority of them and are they in suit? I am currently handling 150+ mostly MVAs and premise liability cases, just about all in suit, (on top of about 10 DUIs and other small traffic matters) and I feel like I'm drowning and looking to jump ship. What is normal/to be expected? In NYC area if that matters

Current
Role : SOC analyst L2
Comp : PwC
Base pay : 8 LPA
CTC : 10.2 LPA
YOE : 3 years
Currently, I have an offer of CTC 14 LPA from a service based MNC for Threat Hunter.

I have interviewed for 2 technical rounds for the position of Cyber Threat Intelligence with the India Director and Global CISO. Both the rounds have been good. My notice period ends in 2 weeks.

How much salary should I expect? How much should I quote for negotiation?

How much do you keep in the bank vs brokerage?

Is there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

DeFi bug accidentally gives $90 million to users, founder begs them to return it - CNBC

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

What are the disadvantages of transferring my Accenture employee Alight managed retirement account to a "self directed" brokerage account at Alight Financials?

I was a little annoyed at the limited options available and was thinking of moving it over.

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

If I’m selling stock to make the down payment for my primary residence house, is there any way I can limit or avoid some capital gain tax?

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

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.

Anyone using roofstock? Model seems really interesting. Would love to talk to someone using it.

I am pretty conservative w what I invest in (pretty much all vanguard ETFs). If I wanted to take like $5-10k that I have in cash and buy stock(s), what would you recommend?

All of the robo-advisors I’ve seen invest in low cost ETFs. Are there any that invest in individual stocks? It feels like this would be much more effective at tax loss harvesting because it would de-average the holdings within each ETF. I’m going to have large capital gains next year and I’m looking for ways to offset.

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?