Sorry if this is a dumb question but how do y’all invest your 401k? I’m in whatever fund Microsoft chose as their default on Fidelity but I’m curious if it’s possible to invest in individual stocks or anything with more volatility/growth

At what point do you start paying taxes on your side hustle?

All my investment is in real estate - 1 primary and 2 rental. Total 3.7 M value and 1.7 mortgage pending. About 400k in cash. I’ve 0 RRSP. Is my investment strategy terrible?

Okay finance lawyers. I don't understand this issue. Client says books show we're highly profitable but we have no way to pay our tax liability.... Well where the hell did tbe money go ? Client also claims that they are only taking a small portion of the revenue as profit. I don't understand how your books can be different than reality.

I wish I wasn’t adaptable. Humans aspire for a greater level of comfort and once achieved, adopt that as their new baseline. Because of this, somebody making $100k cannot simply comfortably revert back to a $50k lifestyle. The slow growth of personal wealth isn’t noticed as ideated. Instead, we are never satisfied.

Can you relate? Has your salary / net worth growth dramatically improved your quality of life?

Hi experts, in a multiple offer situation for my property with all contingencies waived. I want to add a ‘no repair by seller’ clause to ensure buyers don’t negotiate during their short due diligence. Pls advise on what to ask from their realtors?

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

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

Any Biology majors here? I’m current stuck on what to do with my degree! Currently I’m a Chiropractor Assistant, this is a temporary job while I’m trying to get back in school for my masters in Healthcare Administration. This is the only thing I have on my resume, I’m open to any advice.

Hi Everyone! I'm looking to transition from healthcare consulting to pharma / biotech preferably in BD / corporate strategy roles, especially in LA area. Would appreciate if you can share your experience if you have made the amas transition (roles? Work type?). Looking to get a sense of what type of work exists out there.

For context, I've a PhD in Life sciences and 1.5 YOE in healthcare consulting at a boutique consulting firm

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.

Hi, I graduated with a bachelor in Healthcare Management and I currently work for McKesson Canada as a team lead for patient services. I am thinking about doing a masters degree in either Healthcare Management or Public Health. Which one should I go for? MHM/MHA or MPH?

Anyone in a condo need to get walls in insurance? Please explain this to me, thanks so much. First time buyer here

Shifted more options profits into 250 NOK shares

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

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 benefits do we get when moving to the UK from India?

I am getting the below.
1. Dependent visa for my family
2. 1 month accommodation
3. Relocation expenses.

Is there anything else I can ask for? Please share if you have any experience on the same.

How diligent is Mintz background check. When it comes to education? My references, credit, criminal and work experiences will check out. However said I already graduated school when I am in reality a month away from graduating. The company sent over the contract and start date at the same time as the background check.

Currently trying to figure out how to create effective marketing strategies for people in the 60+ age group, any pointers from people who have done this before?

Doing an India trip next year. Thoughts on spending 2/3 days in Jaipur? Too much? Any tips? TIA

What do you 🐠 recommend doing in the first couple of weeks on a new job to start off on the right foot with new boss, new team, new co?

I found out that I’m pregnant rather unexpectedly. Still early, but I’m only 27 (married) and am wondering how this is going to affect career trajectory. We were going to have kids, just not for a bit

What about using 3 one-word sentences as a slogan? I feel like it’s super played out, but I get suggestions for it all the time. Can’t we do better than mashing together words from the crestive brief?

Had 4 rounds of great interviews for a internal HC consulting sr mgr role at tech Org. Final/5th round was a presentation and I felt it didn’t go well because I followed instructions and created a solid strategy that was based on evidence and best practices from what other orgs are doing - exactly what the case asked but based on their questions it seemed they wanted some high in the sky creative ideas. Should I let it be or email them with some ideas while reminding them that I wanted to

Hey! Joining the firm next month. Some stupid questions:
What type of laptop they give you? any BYOD option? Mac option?
What tools do the use? do they use office 365 and teams or other?
Cheers!

Hi fishes,need you inputs regarding Notice period and retention policy.
1. 3 months np is negotiable or its fixed?
2.once you resign do cognizant retain its employees and if yes how much do they offer?

For an MBA graduate of 2018 batch (new IIM), is 25 lpa current CTC decent or is he underpaid?
2 years of pre mba work ex as well.

I used to have a fitbit. Really liked a lot of its features. Like the reminder to move and the competition within the app (games and competitionvs friends). However, whenever I was at work I'd find myself taking it off for more comfortable typing and then forgetting it during the day. Now that I'm back at work I'm sitting more and need to move. I was thinking of getting an oura ring. Does anyone have one? Any thoughts as to which is better?

Are there any Graphic Designers here? Looking to make some designer friends/network/chat? Moved from NYC last year. My last role ended in September so i'm currently unemployed, applying to jobs. Hoping to get something before the little unemployment I receive runs out. :/

Can a finance startup upgrade my payscale if I ask them to after completing the probation period?
And if so how much can I ask them for the increment over ctc?

Any public accounting firms in Albuquerque?

Anyone has insights into whether we can claim depreciation for our “home office” due to WFH? Not an expert here but looks like it’s for self employed individuals only, but maybe the individual tax experts in this community can help everyone out a bit 🤪

What is your favorite self-care strategy? I’m needing a lot of self care as testing season approaches and my stress levels increase drastically!

Why Data Modeler role is on high demand these days?

Question for anyone who might know - it appears to me Rasmussen releases a poll every week day or close to that, but day to day their margins swing three percent or more, which I think is outside the margin of error (can’t speak for every single poll). How is that kind of change possible from day to day?

Hello

I’m looking to to get into the tech industry. I’ve worked in construction 10+ years and have recently obtained a BSBA, CSM and PMP. Any advice? I’d like to learn the basics what developers do the in the outs so if hired I’d actually be a valuable team member. Should I try DEV boot camp or something similar?

Can someone explain the benefit of whole life or similar products? I understand that they are bad for 99.9% of people. How does the 0.1% benefit? Taxes? Asset protection?

I'm struggling to understand why anyone would use these at all. Significantly caps your upside. If you are uber wealthy, why wouldn't you continue investing in the market? Why pay the crazy fees for these products that are essentially just 90% treasury bonds and 10% levered ETFs and covered calls?

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!

I bought SQ at 10. (3k)
SHOP at 29 (1.5k)

Unfortunately sold the first at 23 and the second at 70.

C’est la vie

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Any good ETFs to invest Roth into?

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

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!!✨

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

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.

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

What did you do with your RSU’s after it vested? Did you keep it or was it sold and reinvest to another stock/fund/etf?

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

I’m looking at investment a portion of my portfolio into alternative investments. Maybe around $30k to start. Anyone have recommendations or experience with Alt investment vehicles? (e.g., crowdfunded startups/real estate, PE, VC ETFs)??