Tax help please:
Turbo tax is telling me I’m about to get hit with a $3k+ tax bill. I got married in 2019 (my income is 130k, hers is 60k) but I didn’t have extra pay withheld on my W4 in 2020. Last year it wasn’t an issue, so what could have changed? We bought a house in 2020, so I would have expected to have a bigger credit from that, not a larger bill? Any help would be great here.

At what income level does it make sense to contribute more to traditional 401k over Roth 401k for company ?

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.

Buying a house for ~900K in one of the Boston suburbs - my household income is ~230K. Am I stretching too far?

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Best way to transfer money from US bank account to Canadian bank account? Transferring offices to Canada and want to learn what is the best / most cost effective way to do this. Thanks!

Is flipping houses worthwhile? I like decorating and renovating, so I'm thinking that maybe I could go into this and try my luck.

Tough investing market out there!! What are some investment strategies to consider during these times?

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Thoughts on purchasing leads?

Has anyone successfully “ported” their mortgage? Just learned about this and doing some research since rates are so high now. Current rate is 3% and new home will be more expensive, for context.

Hi all. I just received an offer for $130k and will be eligible for about 29,000 shares of stock options. The vesting schedule is 1 year and then quarterly thereafter.

Can someone explain what this means? I “will be eligible”. So, I have to buy the shares? Should I be asking at what price?

Newbie here. Please help!

Anyone having experience with National Bank as a TFSA account or trading account ?
Thinking to open account in it as it offers free commission trading on stocks, ETF

Finally I am a tax payer of India.... After 3.2 years in TCS, will pay tax on 8k😂😜😜😜

What credit cards do you hold and which one do you recommend?

Why are properties in NYC so damn expensive? At this point should I just move elsewhere?

Any good articles, notes , YouTube videos about intraday trading for newbie ?

Do partners know each other’s compensation? I see partners selling engagements for vastly different numbers b/w shorter ‘interesting’ strategy work and longer ‘boring’ transformations. Thoughts?

Has anyone built an emergent learning group in your consultancy or company that focuses on reflection, feedback, problems of practice... But amongst designers staffed on different projects/clients? How did you structure it? How did you maintain it?

Who is responsible for day to day basis repair in a rented home?(landlord vs tenant) E.g. sink's bottle trap needs to be replaced and approx cost is 1200-1500

Question about job postings. I keep seeing the same equity research associate job on linked in being reposted. Does that mean they’re still looking for candidates or is there another reason?

Currently an EM at McKinsey, joined as a lateral hire after 6yrs in consulting (strategy boutique) and a short stint at a lesser known PE firm. What prospects would I have pivoting back to PE?

So who else here is experiencing plummeting billable hours and exponential weight gain since this whole WFH thing started? Bought snacks for 30 days, finished in 48 hours.

Seeking advice: I am a young sales consultant and sales engineer working for a tech startup company. I have 6 years of sales experience. And I have been helping run my family business for the past 10 years. I was intially interviewed for a senior account executive position at a $70k offer. Instead they told me I needed more training and hired me as a Junior account executive at a $50k salary + commission. Today is my 6th month mark and I have done very well. And no talks of a promotion / raise..

Any suggestions for a formula to calculate a running count of the number of incidences in a list? For example, in a list with A, B, C, B; I want to label A = 1, then the first B =1, and first C = 1, and then the second B = 2, etc. The list is in a column and there are thousands of names. TIA for your help!

How do you calculate the “rate of change” within excel? I am comparing the number of bugs from one week to another.

Who here is freelancing while working full time?

Anyone have any luck going client side? What are your tips/successes when approaching the transition?

Any consulting moms in the area? Desperately in need of in town friends.

Hi fishes,
I'm looking for job change
My skillset - informatica power center, SQL, UNIX, informatica IDQ
EXP-3.4 YEARS
Can anyone reffer!!

How is ntt data for Guidewire.

eb1, 2,3 ,5 all seem backlogged .. May have limited knowledge of gc process..but does it mean unless there’s a major change in policies, there’s no real chance of GC for Indian born immigrants now?

Looking to hire a boutique social media agency who has expertise in helping launch a CPG home cleaning product. Would need support primarily on social platforms. Ideally, the firm would also be able to create content and help determine who the target market is through data tracking and analytics. Any ideas?

AMZN buy more or hold?

Currently using Morningstar... A little fed up with them!

Any recommendations for other/ better financial data services?

Any recommendations for cpa / tax services? Have a complicated tax situation with foreign income and business income. I live in Illinois but open to online options as well.

as another fish. have 13k left in car payments for another 40+ months, would you recommend doing a 10k onetime payment or investing that 10k instead. better to lower debt or keep paying monthly cost

I need some expert advice. I have 40k in 401k and 40k cash in savings account. I moved all 401k to a very low return safe portfolio in July and basically I haven't done anything with the cash as well.

Starting to feel like I am missing out on returns and now is the time to put everything back into the market. Does anyone know reliable financial advisors that will do it for me and also account for the independence related restrictions.

Other suggestions/tools appreciated as well.

So after you max your investment accounts (401K, IRÁ, emergency savings. etc) what do you do next?

A little context: 24M, started in the pandemic, moved back home and paid off my student loans.

Do I move out? Can I start spending on myself? Am I missing anything from a saving perspective?

Apologies in advance if this comes off entitled/arrogant, really just looking for some advice and wanted to give as clear a picture as possible.

What is the value of / case for hiring a wealth manager with management fees (say 1% of holdings) as opposed to investing directly in ETFs/index funds yourself (through any of the brokers like Fidelity, Vanguard, etc.)?

I bring home $1,616 twice a month after contributing 10% to 401k. First pay check I put 1K into investment, second pay check I put 1k to savings. The remain 616 is personal spending, phone bill etc. Is this an effective strategy??

Any one know the fees associated with transferring between Vanguard target funds, 2065 to 2055 for example

If you contribute partially to traditional 401k & partially to Roth 401k at your company, does it get confusing at all when it comes time to withdraw? Is it better to (cont.)

So should I just not be paying my student loans now? If dems win this senate runoff loans would for sure be canceled to an extent? I want to use this period of interest free payments but also don’t want to pay if I don’t have to..

Got a loan rate for 3.375% for an appt. This seems a little to high. Thoughts?

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

If a company matches 50% of 401k contributions to 6% of salary, does that mean they’ll put in 6% if I put in 12% or will they put in max of 3% on my 6% contribution? Curious what their wording means

Hey gang - I want to get more serious about my stock investments this year but don’t know where to start. Already maxing out my 401k and Roth. No debt.

What are your favorite/best resources for teaching myself how to build a strong long-term investment portfolio?

Auto rebalance (every 90 days) or manually rebalance as needed? I'd rather be more passive but willing to do it myself to save money. Btw if anyone ACN knows rebalance cost structure, please share.

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

What’s going on with the stock market today?