What happens if I deposit funds into a Roth IRA account when I am over the income limit?

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Do my wife and I still qualify for the $500/child for 2 kids if we earn more than $200k in combined joint income? If I didn’t file for 2019 taxes yet, and one kid was born 2019, do we get 500 or 1000?

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

@Partners - how much money do you need to invest I to the firm to get your partner share?

What is the difference in subscription to notified and subscription to approved mutual funds?

Hi new to crypto! What apps/sites would you all recommend to start investing? I have Robinhood but it doesn’t have a lot of the crypto options

Anybody know what's up with QS?
Good to buy the dip? They down 40%

Have the Amex plat and CSR, any reason to keep the SPG card? Amex hasn’t given me any offers to lower my $95 fee

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Just paid off student debt, have around 7K in savings - any tips on what to do ? Should I save up more till i hit 25-30K (do have a wedding potentially coming up in 2 years) or start dumping all money into stocks and btc? Currently putting 10% to Roth and make 100K pre tax income if that’s any help

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

Since the Chase Freedom Unlimited gives 3% cash back on dining, does that mean you get more UR points that way vs. using the Chase Sapphire Preferred?

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

What would an Econ phd with no corportate experience make in banking?

Thinking about temporary relocating to Texas for the first six months of 2021. How do the state taxes work? Can I not pay NY state tax if I’m there for 6 months and 1 day?

What do you think about Vice President who forgets what’s discussed in the last meeting and have to start the business story from the scratch again? Attending a meeting unprepared every time. I don’t know where he uses his brain for. So uninspiring.

Anyone working in public policies or sustainability domain here? Particularly in the tech world? Working on an ESG project and need some advice!

What does the branch transfer process look like for UBS? I'm wanting to transfer from my current office to one closer to home.

Any idea if these comp increases will make it to Canada?

Anyone ever heard of Credigy?

Can anyone guide me how to get a good SAP SD project as i joined newly i have as asked to into a famous phone project.. but i know i it works so i didn't get into that so they asked to get into a testing project... Apart from this how can I get a support project in Wipro.. your inputs will be very helpful.. TIA...

Hello Everyone

Any opening for change manager / problem manager/ profile in@barclay can someone refer me I hve 5 years of exp in this profile and I am ITIL v4 certified

Do we get anything on diwali from optum

Any feedback on Gitlab? Got an offer in their mid-market space and want to hear about internal experiences.

I'm going to be teaching my first class when I finish school in January and I'm nervous. Any advice for my first day at school? Or what you wish you knew on your first day? It's my first real teaching job (1st grade) and I really want to do well.

Hey! Anyone here work with Admit Advantage? I’ve searched the bowl and can’t find any previous posts. Met Erik last week and he gave me the best advice (of all the admissions consultants I’ve spoken too).

I’ve been a freelance print production designer for many years, and usually on-site in the before times. Now I work remote, and am finding it uneasy dealing with billing. Before I always billed hourly, which made sense, but it’s becoming an issue now. Some companies don’t have a full days’ work, so it seems wrong to bill full days, and it allows me to juggle projects for different companies, but my billable hours are down. I know I should bill a daily rate, but not sure that will fly. Thoughts?

Hi All,
Does any one knows about work life balance for QA in Northern Trust?
Thanks

Any ideas for side gigs I can start online? Do drop shipping websites work? YouTube automation channel etc? Any other ideas welcome

Is there anyone who got converted from vendor to HSBC? If yes, how much% of hike HSBC offered)?
Thanks in advance

If you get a full time offer from the firm where you interned during your summer after your first year of MBA, will the offer pay for your second year of tuition?

2 friends from college just stayed up with me for 4 hours to make last minute edits to my horrid Wharton essays. Admit or ding I’m grateful to have friends like this in my life.

How quickly do we have to commit after decisions are released (e.g, for Wharton, Haas, Booth, Columbia, Kellogg)? TIA!

what upgrades are worth buying on townhouse or SF home. planning to live there for 4-5 yrs and later move into bigger house. will rent or sale this property at that time. house is in MD.

Wow, anyone that cashed in on travel industry(cruises, airlines) is looking real lucky! Should probably cash out today though, right?

What’s going on with the stock market today?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

I really want to move out of my parents place for social reasons etc. I still hangout with friends a lot but it’s just a hassle having to drive a hour or so to kick it with them. So my dilemma is I enjoy saving $ on rent (yes I know can’t have both) but the main reason for me moving back home is so that I can save and buy a house. On the flip side with how expensive houses are right now it’s hard to even buy. I’m in CA btw SoCal. If anyone has any suggestion of places to live for a 26 YO TIA!

Has anyone found a good mutual fund that matches Dave Ramsey's recommendations? I've always dumped into an s&p500 index fund, but have some time to explore other options. Curious where to start.

VOO. I predominantly use Schwab’s robo advisor and have consistently been 8% below S&P 500. (1) based on the historical performance of VOO, am I better off shifting all of my retirement and brokerage accounts to VOO? (2) how do I do that? How should I go about this? Liquidate all my robo advisors and then buy VOO? Hope you all don’t roast me too hard!

I am planning to invest in REITs. What is better VNQ or XLRE? Is XLRE a mutual fund and tax wise slightly less beneficial than VNQ?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Just paid off student debt, have around 7K in savings - any tips on what to do ? Should I save up more till i hit 25-30K (do have a wedding potentially coming up in 2 years) or start dumping all money into stocks and btc? Currently putting 10% to Roth and make 100K pre tax income if that’s any help

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

Anyone concerned with the dip in the market now? Both brokerage and 401k has taken hit. What are different things you folks are doing??

Is it crazy to put down 50% if that down payment amount is almost 50% of your net worth?

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

Been looking forward to the stock market to come back to earth for a long time. What should I buy

What stocks are you betting on for 2018?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

I bought Boeing a couple weeks ago and now have a $650 short term loss. Should I sell and buy something else to harvest?

CNN HL: DOW back in bull market, should it be?
The talking head says industries will crumble and its doom day!!!
Your take?