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.

Vanguard vs. Charles Schwab - Maybe silly question, bit seems like everyone here and other places I see uses Vanguard. I've always used Charles Schwab and obviously Charles Schwab offers same products that fits my needs (e.g. total stock market index funds, etc.) Why does it seem like everyone uses Vanguard - just a coincidence?

I'm being interviewed for Senior Analyst in hsbc. Can anyone help me with the tax saving options available with HSBC? Like self education, communication, meal vouchers etc.

Hey guys,

Working at TCS. Recently moving to Bangalore.
I need proper (clean) accommodation for now PG (women) or 1RK will be appropriate. I do not want to give any brokerage charge.
I would also like to know what kind of rent I can expect for a decent PG.
CAN ANYONE HELP?

$DIDI is getting delisted, do I sell? What happens from here? Is there a going private price that will be announced?

Anyone that lives in SF. How much does one of those houses across the street from Dolores Park cost? Like the Full House looking ones.

What are some personal finance actions that, if needed, must be done by end of year? Let's try to make a checklist!

Tax loss harvesting

Retirement accounts for 2022: can contribute or withdraw over-contributions until April 18, 2023 IIRC

HSA: same as retirement accounts

...?

Considering redeeming points for the hyatt Maldives, anyone been there and can share tips? I also notice that you have to pay several hundred dollars a night on taxes and fees? i find that strange...

Hello and happy Thanksgiving! What are the pros and cons of living in San Diego vs San Francisco? I’m from NY and looking to move to one of those locations. I’m hoping to get more info on rent, dating, entertainment, taxes, and job stability.

What is the most difficult part of buying a home for the first time?

At what point would you suggest working with a financial manager to set up your investment goals & make sure you’re on the right track for early retirement? At a certain age? After you have a certain amount of $$?

(I already handle my own investments but I don’t know if it’s time to get professional eyes at my portfolio & discuss my goals)

This week is for sitting on your hands. Risk into weekend is too high to buy any options. I don’t gamble any plays overnight during these times. Play intraday swings only

Make $80k a year, pay $1,440 for rent, haven’t grown my savings in 2 years. Is it me, or Sf?

Hi Fishes,

If the gross CTC is more than 120K in Poland, tax will be 32% right?

Are there any other deductions apart from this?

My assumption is, we get atleast 68% of our gross. Are there any ways this can further reduce?

New car prices - sticker shock !! How are people buying and why - lease? finance? subscription?

Have 4 rental properties with 1.3 mil in mortgage. I heard that mortgage interest deduction is capped at 750k. Is it true?

Does it make sense to prepay a car loan?

Whats the impact to the US stock market with so much $ going into crypto?

So now that the market seems to have calmed down, possible bottomed....for you seasoned investors....was this a black swan type event or just a sped up version of a typical downturn? (Cont)

An undergrad relative of mine just received an offer for 65k in Raleigh NC. Is that a good amount for a genZ without student loan debt to live comfortably off of?

Just signed the offer for my exit. Getting a 30k+ signing bonus, and would like to hear thoughts as to some good ideas to invest this to maximize my potential.

Some ideas I had is putting some in a ROTH IRA and the rest in a high yield investment account or a VOO, as extra capital I can use to invest in real estate or start a business in the near future. Would love to hear what the bowl recommends.

Anybody working in Pegasystems, Please Dm me or reply I will connect.
Kinda urgent so please repky fast.

Hi, I’m desperately looking for marketing and content strategy roles in tech companies. I’m an international student currently on OPT and need h1b sponsorship to continue working. My current employee is not very keen on sponsorship. Switching to tech seems the most viable option at the moment. I’m looking for referrals or any kind of assistance possible if anyone’s team or company is hiring.

Does it mean anything specifically when a company/firm reposts their position? I went on a phone screen and it went really well (so I thought) and got the interview with a AmLaw200 firm. I thought the interview went okay but then 8 days later no contact and I saw that they reposted the position. I’ve had my position for almost 8 months and I’m ready to leave but that’s another story.

What is the top pay for Monitor Technician (Telemetry)in the Florida area with 4 years experience?

Man in early 40s. Great shape. Son is 14 and wears a silver necklace asking me to sport one too. To be cool like him. Yay or nay for men to wear chains these days? Are they back?

Hi guys. I need your help. I am currently searching for a job in the Consulting space. I have applied directly through their career website to EY and McKinsey, but I haven't heard any response. If I apply through job portals like Indeed, Naukri, do I have a better chance of hearing back from them?

Brother’s addiction has taken a turn for the worse. Always seems to coincide with when I have a newborn baby (everything blew up when my first baby was 1 month old). Last time I was heartbroken and terrified, this time I feel more numb to it and just want to not deal with it. Will it ever get better? What is my obligation?

Anyone having work experience in prescient technologies?
Please help me with how is the work environment and what kind of work is given?

Is a bonus worth staying at a industry role I don’t like due to the lack of WLB. A new job would involve the same type of work, unknown wlb.

What do you do when the strat line is a creative line? I am ok with just using it as the campaign line but my CD seems reluctant.

Im having trouble finding a job. I don’t know what Im doing wrong. Is my portfolio not good enough , my resume? I cant land an interview.

Hey all, anyone know of agencies hiring entry level recruiters for the start of 2022? I have a background in marketing, and really enjoy the creative side of the business. I think I would be really good at creative recruiting. Thanks!

Here are links to directories of online meetings:

It's really strange to me how radiation can both cause cancer (melanoma) and also be used to treat various cancers

OPM Director just resigned 😳

Credit Suisse CIB strategy/business development or FAANG product ops (not amazon)? TC similar

I am an incoming associate (awaiting bar results). I have already begun working as a law clerk and am already being given plenty of tasks to fill my time, which I’m grateful for. I am also fortunate to be in working in an area of the law that is personally fulfilling to me, so a lot of the work I do doesn’t feel like work. Here’s the thing: I do my absolute best. I give polished, clean work, and I always give my personal best. However, it seems like a lot of the tasks I do always get sent back..

Is bottle service ever worth it? Why is it so popular?

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

New 🐟 here! Currently make $150k, wife makes $50k. I’m an immigrant and came to the US with almost no money. Wife is a citizen but grew up poor. Neither of us really knows how to budget / plan for the future. So far I’ve just been reading articles on the internet and trying to follow general advice.

E.g. Rent and utilities is about 26% of take home.
15% goes to debt payments.
Savings about 25%.

Should I get a financial planner? How should I go about this? Idk why I’m stressed

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?

Say I want to do a major renovation on my house. Are there banks that would offer a loan (HEL or mortgage, don't care which) over 95% of the current appraised value of the house?

If we did it, we'd be adding a bedroom, bathroom, and garage, and we would be increasing square footage by about 75%. House currently worth around $400k with $260k left on the mortgage; future comps are worth about $650k. Best guess is it is a $200k renovation.

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

(1 of 2) Help needed...

Context: Married with first baby on the way. Plan is for my spouse to stay home with our (future) kids for next few years. My income is $250-300K and keeping it that way for a while as I’ve moved off partner track for at least 2-3 years as we start our family.

$120K in retirement accounts, $70K in cash, $50K in home equity, and $6K in HSA

Beyond mortgage, only debt is a $25K private loan that we can pay back any time in next 5 yrs. and isn’t accruing interest.

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?

Thoughts on personal loans to consolidate Debt?

Does it make sense to max out my 401k if I want to retire by 40-45?

Hi! Looking to open a online bank savings account. Right now I am leaning toward Capitol One. Anyone have any recommendations or suggestions?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Both me and my wife maxed out company match on 401K but are below the annual limit. What are our options now to take full advantage of the annual limit? Neither of us qualify for Roth IRA.

Anyone have a recommended tax person in Chicago?

QQQ vs VOO?

looking into rolling old 401k into a Roth IRA. I just graduated from MBA and therefore have only worked a few months in 2022. Am I correct in thinking that the taxes I pay will be lower than if I did this in any other year where I worked the full year? Any other drawbacks or things to think about?

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

Has anyone had any experience with debt collectors? I was sent a letter from a company called convergent claiming they are acting on behalf of a creditor (a bank) that I’ve no interaction with. They are saying they’ll accept 50% of the amount due but there’s no mention of what the debt is. I’m assuming this is a scam but wanted to check with fish here. I have no idea how the letter got sent to me as the address is used only for my Amex cards as I don’t live in the US anymore

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

How does maxing out on Deloitte 401k plan benefit you on annual company matching amount? I already have traditional 401k and I am debating whether to contribute extra on Roth 401k or Roth IRA?