NY/NJ investors, what cities and towns are you targeting for investment?

Can I still do a backdoor ROtH IRA for 2021?

Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

Is it worth it to save up to fly business or first class internationally [even just US to EU] - or save the money for other things?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

What am I supposed to do with a firms mandatory pension notice? $6B... okay, seems good 🤷🏻‍♀️

Or am I supposed to actually pay attention to something specific in the notice?

I'm remodeling my apartment and am debating on heated floors (kitchen and bathroom). Worth the spend?

Needs some ideas for scenario planning optimizations! Currently have a model to predict conversions given media spend, I can adjust spend up and down to create different budget scenarios and send to model to get respective conversions. Thoughts?

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

First 2 years for CSR is about to be over, and I’m looking at the value of the card against the annual fee. Combined with my other cards (Chase Freedom Unlimited & Flex) and deducting the $300 travel fee, the net benefit is $76. Is that enough to justify keeping the card? The lounge access at airports were a nice benefit, never got to use it since my client travel was through Amtrak.

Getting my first credit card but my credit score is around 650... what would be best for me? I keep getting rejected. Does it matter who I get a card with?

Alright savvy fish… starting at a startup that doesn’t offer a 401K option (yet). My base is over the Roth IRA income limit. What are my options - can I do traditional and then convert?

Anyone doing any crypto credit cards? I still think BofA platinum honors is the best since it’s the most cash back that can then be converted. Anyone have any other clever ways to earn lots of crypto passively (lolli, DeFi, mining, etc)?

Roth vs Traditional 401k, thoughts?

Normal to have "no appraisal contingency" and or "water conservation plumbing to be finished by the buyer if it is not completed by the seller when escrow ends" normal terms when buying a house?

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?

Paid off my car loan within the same year of buying. I'm debt free now! 😊

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

How many houses/ what total value do I need to bundle them and finance as a portfolio?

Could PwC employees invest in Vanguard funds (passively managed)?

only buy VIX if you think the market plumbing systems are clogged.

Otherwise your sinuses will become increasingly VIX allocated over time.

Maybe that's ok.

tt's only my first year of service and I feel inadequate. Can you give me some advice, please?

Hi guys, I am offering bookkeeping services at competitive rates and am available ASAP! If you or anyone you know are looking for a bookkeeping solution, DM me! Thanks!

Thoughts on PJT strategic advisory?

It’s looking bleak, but are any south florida firms hiring juniors for com lit positions?

How did you give notice you were lateraling to people you like? Particularly if you haven't been there that long?

I'm lateraling to another firm because frankly I think the management of this one is terrible, but the people (and individual partners) I actually work with are awesome. I've only been here for about 18 months, so I imagine that short time frame will make it extra awkward 😬

Foreign LLM student here. I plan to take the NY bar exam in February. I’m thinking of taking a bar prep course (most likely Barbri). They offer two options: the “traditional” course (which lasts around 2.5 months) and an extended 6-month course. The difference in price is substantial – 2.5k for the traditional course vs 6k for the extended one. Any thoughts/recommendations on which one I should take? In case it is helpful, I come from a civil law country. Thanks!

Hey Folks,

Help me to unlock DM!

Thanks.

I came across a copywriter position that I’m interested in, but one of the requirements is 8 years of experience. I’m currently just over 5 years. Would it be ok to still apply?

Current Package - 26 Lacs
Expertise- Product Management ( Designation Consultant)
YOE- 14 years 8 months (all relevant)
Already cleared technical and managerial round of Mindtree and salary Final discussion pending for C6 level.
Mindtree Folks please suggest the realistic package figure I should ask for considering I have to relocate frrom Mumbai to Pune for this role and whether C6 level is apt or not for this experience and skillset.

What type of exit opportunities are you guys looking at? What about colleagues, where do they typically end up after consulting?

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

What will be the Belgium onsite salary for C3A grade?

Hi Guys ,

With 11 yrs YOE and having skills in dimensional Modeling,data warehouse ,ETL and Reporting , what should be the salary expectation in market. I have switched from 12 LPA to 26 LPA on feb 2022 as my first switch with IC role as ETL developer . Now looking for data architect role. Most likely i am going to get more 35 LPA but Shall I negotiate for 40 LPA else should not join ? Is 40 LPA is good or very high ? Plz advice. Thanks.

How much CTC can we expect from EY for US TAX Advanced analyst position.

Thanks in advance.

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

Current Tenant Rent: $1075, Monthly Payment: $400 (with property management), Initial Repairs: $2-5K, Down Payment: $12K

At surface level, do these numbers check out?

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Are most new houses being built with induction cooktop? What has everyone experience been like? I personally had non compatible cookware with induction cooktop and wondering if I should just buy a new cooktop (electric, gas etc).. Other reason is that I read that it's also not healthy due to electromagnetic waves?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Happy Holidays fishes!! I would love to hear some thoughts here..We bought our first home last year for 316K ( starter home) in MCOL city. The value is now over 400K and I have an equity of over 150K. We are thinking of moving to a different state.Should we rent this place ($2400/month) and with recent refinance my mortgage will be $1600/month(inclu pay all) or sell it to pull out equity for the new home in a different state? FYI: we have over 100K in cash to down payment.

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

How can I invest in real estate ? Looking for an additional passive income source

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.