This may be stupid but - Do you have to have converted $ from TRAD IRA to Roth IRA by the tax filing date?

Looking to rent a home in the Central Park area but there are very few homes available for rent on Zillow. Does anyone know of any other platforms that might have listings that are not on Zillow? I imagine most people who are trying to rent out their home/investment property would list on Zillow but thought I’d ask!

Upload button in etax is not working for me. I am not able to upload any tax proofs because of the same. Anyone else facing the same issue?

Is it the worst time to buy real estate because of the interest rates?

Why is it when I owe money to a state from my annual tax filings, if I don’t pay the full amount I get charged interest. But when they owe me, they ask for additional documentation and won’t pay me interest for them stonewalling me. Not much volatility y/y in earnings.

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

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

Lessons that I learned in past weeks: 1) be careful with out of money options as they don’t have intrinsic value 2) don’t make rash decision based on blindly following others 3) cut loss and ego

New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

Anyone still holding up those stocks? Chances of regaining the momentum in the near future?

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?

Bull run incoming and this crypto bowl is silent

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Why do firms not use vested stock options as incentive in earlier stages of career?

Is anyone familiar with McKenna Capital? I’m interested in investing in a real estate syndicate and McKenna looks compelling. Hard to tell if they are legit or potential scam?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

How much are people paying for renters insurance in Bay Area, specifically East Bay?

Drop your insurance company names, if comfortable.

How much money do you keep in your savings account?

How can the attorney you work for make your life easier, make it easier to do your job, make you less stressed?

Creating this support thread to check how everyone is doing and feeling this week

I got an offer in TCS with 15lpa for AWS Devops but also I got an offer with BMW with 18 lpa.Can I ask TCS HR to revise the salary as I have accepted the offer letter.Will they revise.

I’m interested in reaching for a position as manager for a local retailer, but I hate having to play the bad guy. How can I become more comfortable with fulfilling that role?

I have about $260 left in my fitness fund, so I would be looking to get something around $350 to spend the whole thing. I want some heavy weights, possibly dumbbells 50lbs +. Any ideas where to get some? Any other ideas of things to use it on?

My complexion and under eyes get very pigmented when I don’t sleep well. I have a wedding to go to in a few weeks and I know I should sleep more to look ok but I don’t. Any tips on looking healthy and getting some glow for brown skin? I used to get facials pre covid but can’t anymore.

9/8 Thread (General):

Hello Community,

I am interviewing for a senior consultant role in Salesforce practice at a big4 firm. What should I expect as a compensation?

Do tech companies in Canada give out RSUs or equivalent?

I was Listening to a podcast today about people in US tech getting rich from 50k to 100k of annual RSUs in the US that vest over 3 to 5 years then making millions when the company exits.

Wondering if there are similar opportunities in Canada or is it less common to receive a decent amount of equity here?

Hey folks,

Can you please recommend some well-paying wfh opportunities for the lead copywriter role?

Going to India from DCA (flights were cheaper) but I live in Houston. Flight from DCA is at 10 pm. Should I book my flight from Houston to DC the same day or one day earlier? Given the flight cancela.

Hi Fishes,
My wife got the Visa however with the visa envelope she didnt recieve the BRP letter collection for UK.
What can be done here ?How can she travel ?

What should be the average pay for a senior product manager in a series A startup?

If a hiring manager wants to talk to you again that’s a good sign right? I’m just bracing myself for this offer😅

Is anyone familiar with McKenna Capital? I’m interested in investing in a real estate syndicate and McKenna looks compelling. Hard to tell if they are legit or potential scam?

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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)

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

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.

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

Best high yield savings products?

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??

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Anyone have a recommended tax person in Chicago?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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:

In your opinion which is the best target fund to choose in IRA Roth?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Any good wedding ring sources aside from Blue Nile?

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.

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

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