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Hi Fishes,
Please help with your suggestions as I have just 2 days left for my DOJ.
YOE: 6.1
Tech: ETL(IICS & Informatica PC)
1.)Mindtree:19LPA (All are fixed, since 12% VP will be given 100% every month)
2.)HCL Technologies: 21 LPA (19.3 Fixed + 8% VP)
3.)PWC AC-Banglore: 22LPA(All Fixed)
I have left the previous org in 1.1 years due to inappropriate work quality.
So I'm looking for Stability, learning & WLB majorly.
Pwc AC HCL Technologies Mindtree
Can anyone provide me any info on the below?
Hi all, Next week, my interview was scheduled in Salesforce triage support engineer role. I have some doubt please clarify me! 1. What are the questions for triage support engineer? 2. What they will prefer? 3. How do I prefer for my interview? 4. What is the salary package for this role? I have three years experience. Please guide me!
TWD episode though!?
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Loosen up, go make a luxury purchase and enjoy yourself
You’re probably right… appreciate it
Do you wanna help me get out of 12k in debt 😅😅
I was in your position at 25, and I did the following: 1) bought a condo and townhouse a year apart, rented out one and lived in the other. 2) invested in the stock market - individual stocks and broad based ETFs. 3) travelled major cities in Europe. 4) paid off student debt. 5) saved down payment for a house. By 30 you will be set up nicely.
If I could do one thing differently, I would have put my condo and townhouse on 15 year mortgages instead of 30 year.
Strike a good balance between saving and spending. Enjoy life while young, youth passes quickly. However, save up a good nest egg. You may want to take career breaks later in life, or you hit some curveballs. Having kids is expensive too, so plan accordingly!
Utilizing your aptitude for information analysis, consider crafting a lasting legacy, not only for yourself but also for future generations. This could entail establishing a sustainable and profitable business with the potential for inheritance by your descendants. Alternatively, immerse yourself in a passion project that invigorates your daily life, such as addressing pressing issues like climate change, homelessness, or other societal challenges.
If you have an HSA, max that first. Money goes in tax free, money comes out tax free as long as it is used for medical expenses. At age 65, funds still come out tax free, but can be used for anything.
At 65, funds don’t come out tax free if not used for eligible medical expenses, but they do come out penalty free.
Max out HSA
Give to charity
Buy a primary residence. I would never tell someone to move, because there are so many logistical issues that we do not know about on here, but if it is possible, your $200k in CA is probably worth half of what it would be worth if you lived in TX.
Set up a non-qualified/individual/brokerage account and buy some index ETFs. If it turns out you don't need the money it passes to the next gen tax-free. If you do need it later the growth is taxed at the lower, long-term capital gains rate.
Investing in real estate is a great thing too, but you need to be interested in it. If you heart is not in it, then don't. It is attractive because it can become an income stream in retirement, and the cash flow pays for the investment itself. Since you don't need the extra income above the property payments, the extra can be set aside for eventual upkeep costs, or used to expand the real estate portfolio. If you do go this route, consider buying somewhere else where property is cheaper. I would avoid MT, ID, WY as they seem to be in a bubble right now though. The biggest key is not over paying for the asset.
Best of luck!
If you want to keep your money close to you on the short term start by using fixed income funds (they have very interesting growth projection due to high interest rate and the projection of it coming down). If you are looking for a more mid-term/long-term investment go to your financial advisor and look into the best possible investment portfolio to protect your money from inflation and make it grow.
I myself am a financial advisor but I can't work with US citizens because of us and european regulation..
Good luck!
Asier,
European Investment Practitioner
Congrats - an excellent position to be in so young. I would look at offshore investments in property and/or setting up an offshore company to facilitate these investments. Start making those excess dollars work for you in some more active investments. You are young enough to take risks as well so look to take a couple people on in a side venture which they can increase your net worth more than just a passive retirement fund
Wanna send me and my kids on a vacation. Haven’t been in 5 years?
No but really go splurge on something
Read "I will teach you to be rich" by Ramit Sethi.
I would think about what I want from life in order to plan that investment.
Is the goal to go as far as you can professionnally? Is it to build a enough steady recurring revenue so that you can retire very early and enjoy other aspects of life (self-development, family, charity, travel, etc.) ?
At the heart of it, think about what makes you feel fulfilled in life, be very honest with yourself and build your plan around it.
You will invest differently according to your priorities.
I appreciate this, thanks
Stuff like this makes me want to take fmla for depression
Call Dave Ramsey!
real estate
Which firm do you trade at? Large asset manager or like on the prop side?
Do you mind if I do you? I have a few questions.
Invested in index funds. And you can only do a mega back door if your company lets you. Some companies don’t.
If you're interested in free advice from a financial advisor, I'd be glad to help. However, I would prefer to work on a more personal level, as my advice is tailored specifically to each individual I work with. Let me know if you'd be interested.
Similar situation. When I was younger I set some financial goals for myself. I live in Amsterdam (I am Dutch), but I know I don't want to do this for the rest of my life. I want to buy a home in Italy and just be able to spend money for the rest of my life without worrying about whether I have enough. I live pretty modest, so most of the money I don't spend ends up in my Interactive Brokers account. You just have to ask yourself how long you want to do this. I don't want to be 'head of the options desk' or whatever in some years time, I just want something easier, which will probably pay less. Just invest your money wisely, maybe invest in a private business. If you do want to keep doing this for another 40 years, just spend it on whatever because let's be honest: we all do this for the money.
How do you make so much cash?!!?
Nice
Ever thought about gold/silver? Not sure how tax works around that in US but hk tax for gold is considered capital gain and at 16.5%
Save and invest to the point you can live off 3-5% of your entire portfolio. Retire and work at a non-profit.