Rolled my old 401k over to a rollover IRA under the same brokerage and lost some money. What the hell did I do wrong? It was a direct rollover btw

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!!✨

I am selling into these pops on psth. 50/50 chance the target disappoints the stripe crew and it dips hard. I’ll be buying a bunch of that is the case. Beware- 2/9th warrants are still attached to these shares so there is some premium in the price

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

Any advice on where to go after PR (financial & healthcare)? I have one year of experience and have been pretty disappointed with my current agency. I have a been actively interviewing & was thinking to go into the sales route. I graduated in 2021 and really have no idea where I want to end up. I’ve been talking to people & networking trying to figure out next steps— could use some insight. The culture at my current agency isn’t the best & the pay is basically unlivable for NYC. Any thoughts?

I want to know which tax slab can be appropriate for a 10lpa and what are the way I can manage to reduce my tax computation.
I have been to this tax slab for the first time don't have. any knowledge.
can one of you assist what can be done or what are the steps for saving the tax or us it possible to have 0 tax.
FYI,
2.2lck is hra

Hello Guys, I got offer from Mphasis as data engineer and client is HP. Should I join? How is growth and employee benefits at Mphasis. Please help.

If I contribute to a solo 401k, is the additional profit-sharing contribution (the 25% of compensation after the $19500 contribution) based on my gross income, or is it based on gross income minus expenses? Thank you🙏🏼

Coming from ACN, senior analyst, 3yrs total experience so far & wanting to get into the data analytics/BI work. Currently have had experience working with SQL developer, OBIEE/OBIA, Teradata in ERP and Healthcare projects. I also have my AWS Cloud Practitioner Cert, hoping to eventually get the Data Analytics Cert later. What are my chances of finding a role with another company that'll let me work in BI/data analytics and build up my skill at the same time? Been thinking of leaving ACN.

Which health insurance your company providing?

Joining D soon as manager. Can we use Interactivebroker for stock trading?

What's the best rent splitter online? Most accurate for sqft, etc?

Shoulda just sold my stocks to pay my taxes instead of holding and using cash 😂🥲. Same result - except now I have to hold longer

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.

Want to attract top talent and build high-performing teams? Invest in employees, not recruiters:

1. Yearly cost of living pay increases
2. Flexible work policy (remote & hybrid)
3. Mentoring & leadership training
4. Reimbursement for continuing education
5. Career pathing
6. Employee resource groups
7. Benefits with low deductibles (Medical, Dental, vision, and mental health)
8. 401K with employer matching
9. Min 20 days PTO
10. PTO for community service

Let us know what you’d add in comments

My generation is really f#cked up. It's impossible to save any money. And it's not that I don't want to. Is simply because I can't do it, by the end of the month there is really not much left. I'm exhausted of working to just pay bills 😔 Sometimes I wonder if those people that quit everything to have a better life are really the smarts one.

Do PwC and KPMG allow Mega Back Door Roth with their 401K plan? Wanted to confirm.

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

Hi All,
Does anyone knows about Northern Trust project with IBM?
Thanks

Looking to possibly boomerang back to public somewhere between senior and manager level in the Boston area, likely in the real estate industry. Either advisory or audit. Any interesting opportunities?

Hi fishes,

I got a offer of 26lpa(23.5 fixed and 2.5 variable) from genpact and 21 lpa (20 fixed , 1 joining) from epam, not sure which one should I join. Please if someone can advice me which i should join keeping ressession in mind. Thanks in advance@

Take victories and defeats as equals! Nothing will teach young soldiers more than making mistakes in the heat of battle that almost cost you your life. If you're still breathing, there's something to learn. Listen to it.

Hi Fishes, Welcome to the data engineering Hive. Since we are growing it will be great if we can start with a brief introduction with this this thread. Mine is as follows

Company :- Harman international
YOE :- 6
tech :- AWS, Spark, Hadoop, airflow , Kafka , python , informatica, oracle, plsql ,sql

What are the best exit opportunities after working in ODD, CDD, valuations for a few years? IB? PE possible?

Fellow MBBers, any of you think the banking raises will trickle over to us (110k starting) or nah?

Those of you that love your job, where do you work? I’ll start - I have a part time job at a medical cannabis dispensary and love it - I finally feel like I’m really helping people.

Looking for SAP BRIM books/notes

Any one working btis eds du4 project in HCL?
Need some help please reply asap?

Hi, does anyone else in Houston, TX with an MSW find it difficult to find a good paying job without the license? If you know of any places hiring only an MSW please point me to them. Currently working on getting my LSW. Thanks in advance!

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Im a Design Engineering from Mexico but Im also an American citizen, I would like to know how can I get my wet-stamp and if I need it… I have my degree from Mexico but I’m not not familiar with the process I have to follow to work as an Engineer in the States

I am having climate anxiety about the upcoming winter. Feeling like this winter is going to be pretty bad...

Here is my current cocktail: Caffeine 400mg (200 when I wake up then another 200 when I go to the gym 30 minutes later), Modafinil 150, Bupropian XL 150. I used to take adderall but it made me crazy for lack of a better word. Looking to add a stimulant for focus. Suggestions? Currently deciding between Ritalin and Vyvanse. Also, I know I’m a stim junkie I was taking adderall for 20 years so my tolerance is pretty high. Please keep it positive and helpful thanks

Can you name a firm (preferably NY office) that lets its associates work from a different country with no issues? The mid-size firm I’m currently at has been very flexible during covid but I’m looking to change firm (biglaw). Since my family is abroad I find it extremely valuable to be able to do this (I did this even before covid for a couple of weeks, twice a year). I’ve heard firms like Latham and Paul Weiss don’t allow it for tax reasons.

Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informed the gym I would be leaving. However, I recently checked my credit and saw that my membership had not been cancelled and had been sent to collections (prompting an inquiry and dropping my score).

Has anyone experienced this, and is aware of next steps to take here?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

In your opinion which is the best target fund to choose in IRA Roth?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

QQQ vs VOO?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

Google stock to buy now or after the split?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Currently am contributing money into both 401K and Roth 401K. Should I also open up a Roth IRA?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Have about 5k to invest - should I do FXAIX or FSKAX?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.