My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Looking to buy 35K marriott bonvoy points. Let me know if anyone’s willing to sell?

My portfolio has been stagnant for a week now. Last few times this has happened, market has tanked. Anyone else feeling we’re at an event horizon soon?

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?

What are the monetary benefits we receive in GOC

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

What if institutional investors really buy into futures and drive BTC really high, as opposed to short selling them! Anyone have FOMO?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Best firms for healthcare transactions?

Anyone in Vancouver want a Programmer Analyst role doing data conversion from Oracle into WD? UBC is a great employer that pays well for Vancouver / Canada and the work is remote, though you have to be in Canada. 4 weeks vacation and benefits start on day 1

anyone else feels stuck at current job, but not able to apply due to upcoming paid maternity leave benefits that you don't want to miss out on? currently still in first trimester !

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

If I had a realized capital loss in stock last year can I use that to neutralize any realized crypto gains this year ?

If you only stay a year after returning what happens to the 10K relocation and 20K early signing? Are you required to pay back half or is it all yours?

Do you need a masters or a MBA to move up in a healthcare consultant role? I have about 8+ years experience however I think I would get more career opportunities with a masters degree.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Have a big upcoming international trip and trying to choose between the Marriott convoy boundless credit card or the chase sapphire preferred card to not have foreign transaction fees. Anyone have any experience with either and can help tip the scales one way or another?

Has anyone faced 221G during USA H1B visa process?

Tired of your job and want to come to KPMG Cyber Services? Drop me a burner here.

Any way to get in one of these IPOs prior to them opening up to the wider market?

Between PwC, Deloitte, & EY. Which has the best NYC Tax Practice when it comes to comp and promotions?

What’s the practical different between Chief Legal Officer and General Counsel?

Recs for a salon for haircut/color/keratin within a 15 minute drive of Belltown? Indian F with with long dark hair

Has anyone tried lsd, shrooms, molly and felt some difference?I definitely think it always has some impact on me

What to read or watch before first flight lesson to maximize what I get from it? Got one as a gift. 1hr desk, 1hr cesna

Pregnant with my second and I have no will to work. I use to be passionate about my work, but now I m forcing myself to complete the bare minimum tasks needed from me. Not taking any proactive assignments.

Has anyone else felt similar during pregnancy or postpartum?

Looking to start a new bowl/community to connect with other Design Leaders/Managers. Can be new design managers like me, or even those with years of experience.

Reply below and let me know ✌🏼🥰

is it feasible to buy individual stocks in my Roth IRA and sell later, and then switch to less volatile index funds down the road? Is this too risky/a bad idea?

Anyone working in spain??

For people who have profit sharing what have your experiences been? Ours is every March but it is a variable number based on how we do the prior year (duh obviously) but also only my boss gets to decide and he gives no criteria on why he chooses what he does. Don’t get me wrong I am super thankful to be in a location with great PS opportunity and upside but it is so hard to plan my life out not knowing what my income will be that year. Also there’s no way to know how my bonus compares to my peer

Any recommendations on seaside towns that would be fun for a 5-6 day stay within an 8 hour drive of Boston? Going next week, so not a place that's a ghost town in October.

Was laid off in Sept. Unfortunately we will be seeing many more coming. It's what happens in a recession. Unfortunately I now also have my age against me. Not in a mentally good place at the moment.

Highest number of billable hours you have seen in a year?

Recently got an offer for 80k at Morgan Stanley as a customer service associate. Can anyone provide some insight on where this offer lands (high low) in the entry level/csa marketplace? Located in a major city

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

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...

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Better to Airbnb out a rental or find a 12month lease tenant?

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.

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

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 ?

Mortgage rates already crossed 5% but the home prices not showing any signs of cooling down!! Any historical indicators where we may be headed 🤔

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

ICLN or TAN for clean energy long term?

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?

Been looking forward to the stock market to come back to earth for a long time. What should I buy

I really want to move out of my parents place for social reasons etc. I still hangout with friends a lot but it’s just a hassle having to drive a hour or so to kick it with them. So my dilemma is I enjoy saving $ on rent (yes I know can’t have both) but the main reason for me moving back home is so that I can save and buy a house. On the flip side with how expensive houses are right now it’s hard to even buy. I’m in CA btw SoCal. If anyone has any suggestion of places to live for a 26 YO TIA!

Okay finance gurus, I have an idea and interested in your thoughts. Might be a bad one so be gentle 🙂. I have a 2 yr old and another on the way. Need to start planning for college. I was thinking of buying a condo or 2 in lieu of saving and selling them down the line for tuition. Condos downtown are pretty inexpensive (T3) so it’s financially feasible. But is this a good idea or too risky?

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

I have a brokerage account with 7k in it, split 70% VOO 30% SCHF. I now have an additional 11k I can add - how should I allocate it? Should I move towards an 80/20 split just in current funds or add things like a growth (VGT) or high dividend ETF (VYM). All of my retirement accounts are already maxed, FWIW and don’t need the $ for any large purchases needed in the near future.

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Thoughts on Amazon credit card? I’ve been hearing about some good perks, but not sure if I should go with something like AMEX/Chase instead

I want to setup monthly recurring investments in index funds with a long term return perspective. Looking to diversify into 7-8 funds - Any recommendations?