Since it's EOY, it should be fun to compare notes on our our past investments, in terms of returns and strategies, to help us in the new year ahead.

So here I start with mine: From early last year around the start of the pandemic to today, I have grown my investment (cash + IRAs) from about $1M to about $3.4M today. My Fidelity chart below:

I wonder how many here are doing better, or similar, or worse than this. How's your overall investment doing, and what your chart looks like?

Welcome everyone. I hope to keep this bowl clean of any promotional content while discussing ideas to grow our wealth together. Please share the group link on your company bowls so that we can get good participation and useful insights...

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

Not law related, but does anyone here have multiple travel credit cards? Can't decide if I want to get the Amex gold too or just stay with my chase sapphire and max all my points on that card.

What are the realistic alternatives to coinbase? Fees seem outrageous.

Are crypto IRA’s worth it or is it better to just open an account at Coinbase and invest that way?

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

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

Damn coinbase, I see you ;)

Everything crypto has gone from "this cryptocurrency has a price target of X because of its use case Y probably in 5 years" to "do you guys think poopoopeepee coin can 100x tomorrow? I'm considering investing my kid's college fund."

IMO It’s only a matter of time that Cuomo closes the entire NYSE. If you are holding short term options, consider the risk.

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

How do you get in on an IPO with a basic Vanguard brokerage account? Do I have to place my order at 9:30 or can I do it beforehand?

If I had a traditional IRA before being employed in a 401k eligible role, can / must I roll that IRA into the 401k or can I leave the accounts separate without deleterious tax consequences?

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Here’s a point of reference on meme stocks for people who thinks it’s too late to get in or who think it’s close to peaking. Tesla: 948M outstanding shares; market cap: $837B. GameStop: 69.75M; market cap: $5.36B.

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Hi Fishes, I immediately need to switch my role related to Data science/ML/AI with good hike. Suggest some companies and ways. I'm willing to learn new things after deployment.

YOE : 1.5 years as Python developer

Skills : C, Python, Excel in writing SQL queries, Swagger, Microservices, PostgreSql Aws(Lambda, Api gateway, SNS, SQS), Angularjs, PHP.

Siemens Advanta Hitachi Vantara Which one is better?? Last working day -Nov 7th Please suggest guys Siemens Hitachi Vantara @siemens Accenture IBM Capgemini Verizon Société Générale

This group is dead, no post receive more than 1-2 responses😥
Is it

Out of platform question-

Is the outside food/beverages allowed in the movie theaters?

I am a Mechanical Engineer currently in Structural Analysis domain for 2 years and Want to change my domain to Data Engineering or Big Data Developer. What should be my approach and ideally how long would it take to get into this industry ?

Hi! Does anyone know what kind of knowledge is needed to crack the Data Scientist interview at Google?

I'm currently working in Marketing Analytics (primarily using SQL and a bit of pyspark). Apart from mastering SQL, I wanted to know from people working at Google what does it take to get there as a Data Scientist? (I'm very interested in Strategy Ops)

I plan to another 6-8 months in preparation and upskilling myself before I even apply.
Any help and guidance is appreciated! Thanks :)

As a Senior Java Developer with 7.5 yrs experience what would be the expected CTC at Amazon(SDE2) and Walmart(SDE2)?

When folks at work use their kids as an excuse to go home early, miss deadlines, not come in, you name it...while you're expected to work 24/7 to get shit done.... 💥🌚😠

My supervisor gave me 8hours of AWOL because I couldn't show up one day because I was under anxiety. I have gave him letters from psychiatrist,psychologist that I'm passing through this. He didn't care and gave me an AWOL. I want to leave my job because my department is very toxic but I don't want to leave having that on my records.
If I move to another job later on (private or federal) this 8 hours of AWOL will show up?

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Thoughts on SPY puts tomorrow?

Here’s a point of reference on meme stocks for people who thinks it’s too late to get in or who think it’s close to peaking. Tesla: 948M outstanding shares; market cap: $837B. GameStop: 69.75M; market cap: $5.36B.

F, 27, any ATLiens in here?

I got an offer at Nokia, and my new manager said that she wanted to put me in the higher salary bracket however the HR insisted that we lowered the range. That caused me to receive a much lower salary than expected. Should I renegotiate even when my manager said that she tried giving me more. Does HR really play that big of a role in this?

Has anyone bought a list of prospects that was actually legit? If yes, what company did you use?

As I am in the transition process to another firm... will a ‘letter of warning’ be reported on my u5 ? I was told it would not... but wasn’t sure if anyone out there had a similar circumstance.

Hi All, Which company is better in terms of all the aspects like wlb, culture, benefits and so on..

1) Rakuten - 25 LPA
2) Applied Materials - 27 LPA

YoE - 5 years, Java

Guys help me to get 11+likes so that I can unlock DM. This will help me to refer candidate in better way.
Thanks in advance

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

Book suggestions for new-ish investor - PLEASE. Need to learn the fundamentals

Will be booking some flight tickets and doing some heavy shopping in the next couple of months. Which credit card should I get?

If you’re trying to retire early (before 60), is it advisable to max out your 401k, or is it better to invest in a brokerage account instead?

Refinanced my house last month and just got a $5k check for the property tax escrow balance from my old loan. My plan was to use that to put down on the new loan (new lender funded the property tax) but I’m wondering if I should just invest it? My rate interest rate is below 3%. Anything I am missing here? New to this process.

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

How much have you saved from refinancing your student loan?

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

When you’ve accumulated 14 days of PTO, would you measure that as 2 weeks salary (1 paycheck) if you exit the company? Or are salaried employees paid only for week days thus 14 days PTO is nearly 3 weeks of salary worth? What’s your take?

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.

What’s the smartest allocation (for a late twenties person) of 100K right now, between ETFs, stocks, crypto and bonds? I am mostly in cash right now and feel I’m missing out on investment ops, but also wary of putting money in the wrong place. Any advice would be greatly appreciated!

Did anyone get a jumbo loan with less than 20% down?

Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

Just starting to invest, should I make an account with Vanguard or Fidelity?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

Up to what salary did you contribute to Roth retirement accounts before switching to traditional?

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

Wish I listened to my roommate on Blue Apron. Up 115%