Tax time…

I have $80k in capital losses. I don’t have any capital gains.. should I just use the $3k a year off my ordinary income for the next 27 years or is there a better way to do this?

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

How much money have you invested in crypto currently? I’ll start - $5000 currently

Is anyone holding didi shares? I’m trying to figure out what happens. If they delist, then list in HK, are shares converted? If I want to sell, how would that work? Do I need to open a HK bank account? Are there unique tax implications? Etc etc.

Has anyone considered moving from NYC to Houston? Any advice of why not to do it apart from the Texas heat. The homes are so much bigger and taxes much lower.

Random Q unrelated to advertising but is anyone investing through Fidelity? And what mutual funds/stocks are you investing in that show potential?

Why don’t I just own tqqq and spxl? I can’t assume market will go down 33p and wipe me out

Moving to Dallas y’all!

Can I get a new 4 or 5 bedroom capped at 500k? 40 mins max drive to Downtown

Anybody have experience with PenFed for a VA loan? Came up in a search and their rates are extremely competitive. Any reason I shouldn't take the lowest bidder?

Anybody have experience with JD-specific mortgage loans? I know BBVA offers one

Anyone know of any standards, or have any opinions, on naming in-house counsel as a named fiduciary of their company's 401k plan? Pros and cons?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Best resources to learn about stock options included with an offer? Don’t want these roses to start smelling bad in a few years..

Who here has successfully built a side hustle or startup? Who here is successfully creating additional income? Does anyone have resources [books, podcasts, anything] that have helped them?

How long does it take to get ofc Laptop after DOJ?

First time building Roth IRA account. Stocks you think I should add?

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

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

This might be philosophical but wanted to understand if we should get satisfied and be happy with what we have or keep striving for more?

Reason I am asking this is - I earn close to 1.5 lakhs every month and if someone had told me this during my college days I would have taken it eyes closed thinking this is more than enough. But today, I am not able to be satisfied and I don't want this to become an affliction so thought to share with others here and get to know the general sentiments.

Hi,

Kindly ping me if you need any help for filling up the ITR. I will help you to get maximum return.

Charges applicable.

Thank you

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

My direct report is fresh out of college. Tons of talent but is showing to be pretty cocky. They are overconfident about their place in the ecosystem of the office, ask inappropriate questions, CONTD

There's a ton of self help and leadership books out there to help people in their careers. If there was one that was written front the lense of a public accounting, would you read it?

Hi fellow PMs, Question for the group: has anyone here made the switch from being a creative agency PM to a digital producer or digital agency PM? I.e. going from managing creative projects like TV to managing website builds/UX projects. If so, what was the transition like and what helped you get your bearings in the new environment? I’m thinking about making the switch myself but I don’t have a digital background.

How is Deloitte culture when it comes to the role of scrum master

Start each class with a few seconds of stillness. It takes consistent practice. Most students will blurt something silly out after about 4 seconds. Expect it and smile. After time is up ask students to notice what they were doing during that time. No shame. Notice and strive to be more still next.

1. Hands, feet, mouth, arms, legs still (a veritable challenge)
2. Close the eyes.
3. Long exhales to bring in the calming chemical acetylcholine.

making a solo trip to LA this weekend ... any recommendations for good solo activities?

Would I know if I’m eligible for a bonus?

I have received offer from DXC , can you please provide feedback on this company's working env...

A sleepy summer Sunday watching the end of a great test cricket match, grabbing a beer with friends and glorious weather. Honestly it is the first day since covid that life feels normal for me

Tricare Q:

Vets using Tricare with a family. I’m out and can use Tricare with the VA, but my wife and I each use our company offerings for our family; which obviously come at cost. Is it worth it to switch to Tricare? Has anyone done this and can share details? Positives/negatives?

Can someone throw some light on how wallet balance works in Zoho Zoho Corp . Couldn't reach any HR for the info?

Hi fishes,

Need your views.

If any company give more salary than another competitor for same position, if we show their offer. In this case what will be the expectation from candidate.
Because some time consultant level guy gets an salary of lead level guy.

Hi folks,

My current project is discontinued by client, so I’m on bench now. Im serving notice period and only 40 days are remaining. I asked HR for early release me but they denied, saying its our policy to complete NP

Is there any possibility to get early release? Whom to I contact?

Can anyone please refer me for MuleSoft developer role in Salesforce

Is it wrong that I’m just not into PE/VC? It seems to be the most desirable exit for most people that I work with. The work seems like it’s not a good fit for me but it feels crazy to pass up trying to get that amount of money when there really isn’t a realistic alternative to that amount of wealth (and I do want that amount of wealth).

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

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?

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

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

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?

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.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

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.

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

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Best high yield savings products?

Google stock to buy now or after the split?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.