Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

My firm doesn’t match my 401k — still worth opting in?

There’s a debit card that I’ve been using for the past 4 years and it beats out some of the cash back credit cards. It’s the Cash app debit card. I haven’t heard people talk about it in the card community and it could save people a bit of money - 10% cash back. I posted about it on my Instagram HerMillennialMoney if you want to learn my tips and tricks with the care.

Do we need to submit rental agreement to claim HRA tax exemption in Ericsson or rental receipts enough ?

How frequent rental receipts should be ( yearly ? Or quarterly)

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

Hi all, how did you solve the retirement puzzle?

As an expat, I went on the Degiro for investing at the moment, since the account can be used from all countries.

Was considering to invest also in an insurance, but is apparently not possible if you live abroad and then maybe go back to the home country.

Have any tips?

Any good Cannabis stocks, ETFs, or mutual funds with decent returns?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

I have a monthly 1.2 TB limit on my xfinity. How many of you have the same limit and how many of you exceed the limit?

Any thoughts on why ETH is fluctuating so much?

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

$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?

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

Welcome to the Retirement Plan Advisors Bowl. The goal is to give advisors of Retirement Plans a place to discuss the challenges, opportunities, and daily ins and outs of working with all types of employer sponsored retirement plans.

Any citi India HR Here? Need to ask something trivial. Don't worry already working in citi

Layoffs at CDM ... again

Hii all,
I am a fresher currently with these options. Persistent Systems Limited - 4.71 LPA
BNP Paribas - 5.50 LPA
Capgemini - 4.20 LPA
IBM - 4.50 LPA
Wipro - 3.50 LPA
Harman International - 5 LPA(+50k joining bonus)
Can you suggest me which one to choose among these?
Thank You!

Did anyone discuss with their partner or counselor before deciding whether or not not to leave the firm? Or did you simply tell them you were leaving on a certain date?

Any Freemasons lurking around here!? Thinking about making a Bowl for my Traveling Brothers. Maybe to talk about how we view this unique Labor (consulting) in a Masonic context, post some inspirational messages, recommend good books, idk stuff like that...

Serious question from a happy software engineer, what do you all love about your work/actually enjoy doing during working hours?

I'll start; I'm privileged enough to have been given the opportunity to work and learn deeply on Linux and Kubernetes, and I get to tinker and play with them all day. Problem solving with them is a "fun" part of my job.

Of course most things aren't roses and sunshine, but I'd love to hear the positive parts of what you are doing, or what you like to do at work.

Hey ,I applied 3 weeks ago to Bank of America with a decent resume and referral. But still did not heard back.Need a human eye who is willing to check my application and help me moving to the next step?@BankofAmerica

Would you break up with your girlfriend if she doesn’t want kids and you do.... this has been weighing on my mind a lot recently...

Anybody know how the in house agency for Keurig Dr Pepper is? I believe it’s called liquid sunshine.

Spring4Shell vulnerability is here like log4J

Can we go to any other Capgemini office temporarily if our base officer location is different.

Salary ranges for CBO-2 at start-up in Bay Area?

So what's the deal with read receipt requests? Are they timing people once they have that notification? 🙄

What are benefits of working with a content strategist on a project?

What are strong must-have traits of a good content strategist?

Trying to build a case for my agency to hire our first CS!

Hi fishes,

Teksystem - (client - flipkart) 16LPA fixed
Aditi consulting - (client - Tmobile) 18.5LPA fixed

Which is the best to go with?

Hi fishes,
Had a word with Recruiter yesterday, they mentioned that I have cleared the HR round and they are ready to offer 21LPA.
The offer letter has not be released yet.
Is there any connection with BGV form filling and the Offer letter release?

Will employee get any mail once PES is complete from first advantage, how long does it take ?

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

What are people thinking for buying a primary home right now?

Hi. I started a personal finance Instagram account to share financial journey and financial tips. It’s called Her Millennial Money. I would appreciate any feedback or ideas of what to share.

Thought I’d invest $20K when the market dips due to election but...

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

How is everyone feeling about the market today? Buy? Sell? Wait?

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

What is the point of a savings account if year-over-year inflation exceeds the APY rate?

Any good ETFs to invest Roth into?

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

After figuring out FI/RE I am less motivated.

What are your thoughts on lending money to family when asked? (Cont)

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Investor’s Business Daily: worthwhile?

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!

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)