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?

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

You know it's bad when you start having dreams of yourself preparing tax returns! #WorkInYourDreams

Which stocks have you invested recently and why?

So if I were to rent a car from Trips, can my wife (not in Deloitte) drive that car as well? Is she also covered in the insurance? Does anyone know?

Hello fishes, can we buy land/plot to save long term capital gain tax?

I like my job and live in a cool apartment in a cool city. I travel a lot, I have lots of savings, and I can afford virtually anything I want. I set and meet small goals (ex. run a 10k) regularly...

How useful are Macros and VBAs for tax prep?

Senior manager and associate partner at MBBKOW how comfortable are you in dubai? Can you afford a nice house, car and generally (within reason) not worry about money?

Assume wife works as manager in big 4 consulting

Thoughts on Dechert FRE (real estate)?

Estimated tax payment question:
I converted $30k of rollover 401k into a Roth IRA and have $26k of realized ST Capital Gains this year (Roth conversion in end of Q1 and most capital gains in Q2).
My total federal withholding tax last year was approximately $12k and this year I will have 40% more in reported income on my employer W2 and anticipate higher that $12k federal withholding for my new job. Given this, what is the best way to go about making est. tax payments for the income (continued.)

Anyone have a realtor they can recommend that would kick back a portion of their commission on a > $1.5M purchase. Please DM. Thanks!

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

Adverse selection is a huge issue in trading. You never have perfect information and your decision won’t be perfect for the outcome. This usually means you’re too small in winners and too large in losers.

As markets crash we’re seeing something similar. People are ignoring bad outcomes when they should be working that much harder to protect previous gains and find new ideas. Lower traffic in this thread is a symptom of this phenomenon. Don’t quit just as the value of incremental effort ramps.

Hi folks!! Please help me to manage Income tax deductions as I am very new to exceed 5LPA of CTC. How should I claim HRA and 80C and many more..should I claim directly in Company portal or any other with legal documents..pls suggest guys..

Can we increase the Hra amount while filing the return?
I have paid lumpsum amount to my parent as the rent.

where is the best place to sell or trade in my used car? (2019 van low km’s)

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

Birthday dinner in Philly with a small group of girls?

At what point is an MBA math course worth it? I have a 48 (68 percentile) in quant so wondering if the MBA math course would boost my profile.

Have you had to take a copy test or been given an unpaid assignment as part of a job interview? If so, was it for a freelance gig or full-time job? Was it for an agency or in-house?

Is there any advantage to telling a company you are interested in working for in the future where you decided to accept an offer from? Or does it not matter? I accepted an offer a week ago with a great company (Company A) that for this season in my life seems like a great fit and only strengthens what I have to offer company B down the road. Company B just sent me a request for interview and I want to keep the door open with Company B but they were just very late in extending an interview.

I Have a HR scheduled meeting, in the morning. Is that Sus?

What are some things that are helping you avoid burnout recently? I've been spending a lot more time outside, blocking off my schedule more consistently, and even taking extra days off. Slowly I'm starting to feel more like myself!

I have a team that just completed an audit, on time, on budget, resulting in a happy client which makes me a happy partner!

There is often a lot of negativity on this site, but I just wanted to give

How is Novartis account in Accenture?

I have an offer from Coforge and joining date is in exactly a month.
My current role is Senior Automation Engineer. Position offered is Test Analyst (Lead).
CTC Offered: 26 (24 fixed + variable)
One of my queries is regarding the Medical Insurance. As per the offer letter it mentions "Mediclaim Scheme with Floater Option of Self + 3 or Self + 5 with/without parents. " : INR. 150,000/- to INR. 3,000,000/- 
Does this mean that without paying extra, the med insurance is just 1.5L?

Looking for advice! I was approved to work remotely but my salary will decrease 10%. I received two raises so the decrease brings me down to my previous salary. I was told that it’s due to the cost of labor in the area.

I’ve been with my company for 8+ yrs, I love my manager and the work I do (engagement, recognition, & wellness programs) but I feel like I’m limiting myself since I have the experience, an HRM degree, and SHRM-CP credentials.

Should I apply for roles outside the company?

Is there such place as non toxic ID firm? Or does any of ID attys like what they do? I moved from general practice to an ID firm six months ago. Biggest mistake of my life. I am trying hard not to just quit and walk away as I’m battling head cold but still have to bill bill bill and get criticized for not billing right and etc and cases being piled up - while everyone is looking forward to the long weekend. I seriously question my judgement. Need word of wisdom just to get through this hellhole

If my CTC is 8 LPA including variables. What would be my take home salary after tax deductions? Please help.

Hi,

My EPF Transfer claim has been rejected by EPFO with a reason that -

Your Claim [ Claim Id - XXXXXXXXXXX ] has been rejected due to : 1) WAGES ARE MORE THAN 15K PLS SUMBIT PREVIOUS SERVICE DETAILS / REVISED 3A FORM 2) CLAIM ALREADY SETTLED

Can someone advise on this issue?

How much can be expected from ANZ for Product owner role?

So if I were to rent a car from Trips, can my wife (not in Deloitte) drive that car as well? Is she also covered in the insurance? Does anyone know?

I thought M&A tax would satisfy me creatively. Definitely better than core tax work but I can’t keep doing this sht. I need to start my own business. Who’s with me?

Any fishies in MPLS and willing to share AE salary expectations?

What are your thoughts on Baidu as an investment?

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

What's your number for retirement?

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

What is the best way to get euros out without fees and at the actual exchange rate? Is it best to use an ATM at the destination or is there a better alternative?

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

2021 roth ira limit is 7k? Or am I reading it wrong

What should I do with my cash in this environment? Have quite a bit sitting in savings which is obviously not ideal with inflation running high. Are ETFs still the play?

Advice appreciated: I want to sublease my apartment so that I can rent elsewhere and pay less. I had to move in a short amount of time and it was during the period where there was a high demand for housing, & leases everywhere were expensive so I signed what I thought was fairly cheap in comparison to what was out there. However I found something this month that will cut costs by 30%. How do I go about finding someone to sublease my place?

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

The market is down. Are you buying anything today?

Recommendations for a Roth IRA?

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

Are we allowed to trade crypto on TD Ameritrade?

I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

Is stock market surging tomorrow?