Might be dumb but how do you make sure you don’t overcontribute to Roth or 401k for 2021? Will my contributions automatically go towards 2022 when the limits have been hit or do I have to manually change? (Using Vanguard if it matters)

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Looking to add 2 members to our team in CT. Asset management based team. Full benefits, pension, and enough leads to make your mind numb!

What kind of digital (design, platform) RFPs are you seeing out there recently? Looking for some digital new biz trends. What keeping digital marketers up and where are they investing in 2021?

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

Looking to buy a home in 1-1.5 years. What are some good neighborhoods inside the beltway for 500-650k range?

Any Insurance Broker Account Managers in Oklahoma (Health/Life/ Employee Benefits)? Would you be willing to share your salary information and any information about your work load/the amount of groups you manage and their size as well as your years of experience? I’m trying to determine if mine is comparable to what others receive. Thanks for any insight!

Any pointers on the best UK credit cards to get?

(Context: I'm a Londoner moving back home after 5 years in NYC)

Where have people seen healthcare big law folks leave to? Mostly pharma? Providers/systems? Universities? Trying to get a sense of exit opps.

How long did it take after getting your license to actually start making money?

Over the next couple days, my colleague Jess (who heads all our customer experience work) and I will be popping in and out to take questions on the topic of becoming a homeowner. Hope we’re helpful!

Difference between Variable Life vs Variable Universal Life?

Does Singapore offer national healthcare services like in Europe? I am an expat and it seems to be that expats can only get business healthcare insurance

What kind of roles do you guys recommend for a pharmacist trying to pivot into pharma? Where can you go to see all the different types of roles available? I graduated with my PharmD in 2019 and I did a managed care residency and am now at a healthcare startup so my background is primarily on the health plan/digital health side

This is a little embarrassing… I don’t know anything about investing. I come from a low income / immigrant background and never received financial education. Just recently learned the difference between an TR and Roth IRA 😓 I have started to contribute $$ in my 401K. I am 27 and only have like $15K in my Vanguard account feel like I am so behind. Can someone recommend good resource/advise to learn the basics?

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

ENBD is the crappiest bank in the UAE. Thank you

In which building does everyone plan on living? I want to live where most of you will be!!

Hi Fishys,
I'm looking for a trainers on urgently Who can provide online training Full Stack Developer, Python Developer, Web UI Developers, and Mobile application developers with Blockchain technology. Please contact me @ +91 6360246548

Anyone able to get a mortgage with student loans default?

Hi everyone

Is there any disadvantage if I get relieve on Friday compared to on Monday?

What I am thinking is I will be loss pay for sat and Sunday?

Actually my last is 27th
I asked for a week early relieving so thinking about this.

Thanks.

Require Female Flatmate.
Location Pune Office Kharadi
Vegetarian
Non Smoker
Flat available from July 5th.
Within 1km from office in a gated society.
3 Bhk flat with basic fittings including AC.
Rent 40k/3.

How important are Sundays in your coaching world?

Hi all,
What is the Pay band for Senior within the KGS FRM team?
YoE - 3.5years
Background- MBA

Where can we see the new hire RSUs allotted?
Workday just shows the annual RSUs not the new hire RSUs or joining bonus.

Has anyone started/considered starting an individual/small business income tax preparation side gig? What were the challenges juggling w/ a Full Time job and getting clients?

Is thought works a good organization to join , in terms of job security and work life balance ?

Thanks to Oracle India i am looking for a job
change after 7 months with oracle. Can
someone please refer me?
skill set : Selenium, Core java, testNG, HP
UFT, Manual testing
YOE: 5.8 yrs
Notice period : 1 month ( can join early too).

DO YOU JUST ASSUME THE COST OF YOUR MARKETING ACTIVITIES? I am looking to allocate their cost in the marketing budget in a way that won't rely on several layers of assumptions. How do you reliably estimate the cost of different marketing activities (email, social, web, etc) when you don't have specific people or tools allocated to each function and costs are spread across many channels? Ads seems the easiest, but even then there's time and overheads... I've been looking for a reliable model.

What salary should be expected of a business control role in Citadel securities, working under CFO/CRO office in NYC. With total 10+ YOE.
This role sits directly under enterprise risk head.

@citadel

Can someone explain the benefit of whole life or similar products? I understand that they are bad for 99.9% of people. How does the 0.1% benefit? Taxes? Asset protection?

I'm struggling to understand why anyone would use these at all. Significantly caps your upside. If you are uber wealthy, why wouldn't you continue investing in the market? Why pay the crazy fees for these products that are essentially just 90% treasury bonds and 10% levered ETFs and covered calls?

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!

I bought SQ at 10. (3k)
SHOP at 29 (1.5k)

Unfortunately sold the first at 23 and the second at 70.

C’est la vie

I’m looking at investment a portion of my portfolio into alternative investments. Maybe around $30k to start. Anyone have recommendations or experience with Alt investment vehicles? (e.g., crowdfunded startups/real estate, PE, VC ETFs)??

I paid for my kid’s college fee this year and last year thinking I will use 529 in future for second kid but now I am having second thoughts as I need little more money to buy an investment prop cntd

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

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)

Any good ETFs to invest Roth into?

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...

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Hey all! Curious your thoughts. All else equal, roughly how much does the average couple spend in retirement per year? Trying to figure out how much cash we’d need saved assuming we retire at 60. Thanks!!

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.