Recommendations on a budget template to track finances.

Are remittances / gift sent from US to India (from post tax money) considered for any tax breaks or deductibles in the US?

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Want to buy a property for residential end use.. What points i keep in mind or if anyone have any suggestions?
What should be the price range?
Req - 3 BHK - min 180 sq yd & lift for high floors

Any OCI holders here facing problem with this 25% PF deduction in India?

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.

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

Cross posted: 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)

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

Hi i lost majority of my money in the stock market. I married and promised my family that I will not make the mistake I made 7 years ago. Gambling. Is this an addiction I have. I keep selling stocks and taking loses buying other stock hoping it will recover but never did and sell again taking loses and buy again. It now sink in to me. I borrow personal loan hoping that the market will do k and I pay it back but I even lost that. I can't stop crying that I hurt the one I love the most my family.

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

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.

I’m an early startup having raised a bit of money from family and friends to help grow my business. Time is moving fast and I’m potties I won’t hit my targets and being the return back to those who invested.
Once I have used the money that’s been invested there’s no way of seeing it again and still bringing the return quick enough.

The numbers still show it’s possible, I still believe in the concept and I’m still growing, I think I just have some imposter syndrome.

Any advice?

Hi, Ive been working for 5 yrs now , but haven't made any investment or bought asset as such, no savings except the ppf. Please guide

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?

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

Is it worth it to buy a multi-family home to rent out?

Prefer GOAT or StockX?

What trading brokerage do you guys use? I started with Robinhood still use it. I opened up Charles Schwab as well few months ago but I’m thinking of transferring that account over to TD Ameritrade as I hear good things about tos.

Hello fishes, I am working at IBM as a Data Scientist and currently on bench. I will be resigning today as I have a better offer in hand right now. Wanted to know if I have to serve entire notice period of 90 days even when on bench or IBM gives early release ?

Hey Guys, What’s the Salary expectations for a Senior consultant with 5yrs of experience in Service Now can quote with DELLOITE USI

What is the best firm in NY for an associate interested in international tax planning (inbound and outbound), M&A, and transfer pricing?

🐠 Fam, I need your words of encouragement. Had to break off a toxic friendship and just found out my 🐶 has organ failure. I’m in the red with PTO and can’t take time off to deal. I am devastated. 😔

Is there any medical fitness certificate needed before joining Capgemini or any such recent rules?

Could someone take a look at my about me section for my LinkedIn pls. Would appreciate some feedback. Trying to transition from reception job to selenium or lean six sigma. Please dm me!

Anyone going to be in the Bay Area this weekend?

Today is supposed to be our “day off.” I always laugh when I see emails announcing special days off. What’s even funnier are the reminders about “half days.” Hilarious.

Do you keep interviewing after offer signed and background check cleared?

I am having HCL offer of 19 LPA but I have got counter offer from other company of 21 LPA, if i again go to HCL and ask for better compensation means will HR agree and process for more than counter offer ?

What is up with the pet pics? Is it karma farming or spam? Either way kinda cringy, this is a bowl about job referrals.

Hello from Portlandia- I'm new to the bowl + just wanted to connect ;)

Can anyone tell me the Manager bandings for S&C?

Recently received an offer for Staff Software Test Engineer for Austin. YOE :11 yrs 150K, 10-20% bonus and 15K sign on and no rsu. Can someone tell me if this is a good offer?

I created a macro to help me save time on this onetime task and now whenever I open my excel, a blank excel opens with the name of the macro. How do I get rid of it?

How do I easily find any cells that are hard coded vs formula? I have 10,000 rows of data and column F is supposed to be a formula based on columns C and D, without clicking into all 10k cells in column F how can I make sure formulas are there and not accidentally hand keyed over?

How do I set the formula to calculate “If x falls between 1-10, return 1-10, if it falls between 11-20, return 11-20, and so on”

Anyone have an app or Excel spreadsheet they use to keep track of utilization? We just switched systems and our new system doesn’t give us a real time balance of our utilization rate (cont)

Is there anything similar to the INDIRECT function that I can use to build a formula reference to another workbook? INDIRECT creates errors when the referenced workbook is closed..

Help me save the day: have a massive excel file (600k rows) with duplicate records (column a, b and c are duplicate, not a duplicate if a and b are the same though). How can I filter for just these records? If it didn’t crash excel I could concat into one column, Conditional format for duplicates, and sort by color. What’s a work around?

Current IE here. What are some Time Motion Study Softwares that are out there and you use in your jobs?

Will need to migrate to office 365 soon. What’s the difference for excel from the 2013 version?

What are your top excel functions you use in finance / accounting - besides vlookup - Pivots - sumifs - count - index. I have an interview coming up which will have excel based technical questions. Not sure what other functions are considered important in the accounting finance world.

Anybody have the SQL server data mining add in on excel? Desperately need to run a really quick analysis through it but can’t configure it.

What are some common reasons that a COUNTIF formula might not be working correctly? I'm using the correct range and value to count. I'm not seeing "ERROR" but the values aren't correct (it's not counting everything). Thx.

I’m referencing a cell (numeric) to a text cell. Is there a way to format that number to include commas? See example in comments.

Any book recommendations on excel modeling for real world business applications?

Would anyone be willing to teach me vlookup?

Does anyone from PwC have a list of the favorite groups shortcuts for excel? Please provide. Much appreciated .

Still don't have xlookup. #fomo

Any ideas on turning string data into numerical data in excel that’s faster/easier to automate/better than using text to columns? Wish I could use alteryx, but not an option for this use case.

How do I compare two sheets to make sure they are identical?