25 yrs of experience who works in industry and specializes in risk and all regulatory compliance for banking and brokerage . Considering next steps and possibly starting my own consulting business. Anyone made this transition? Any advice ?

Hi All

YOE:6.8
DanskeIT (27.5LPA= 24.7Fixed+2.7Variable) vs Value Labs(26LPA fix)which is better?
Technology Dotnet+Azure

Please suggest. Work life balance and project wise which is good?

God, I miss my nice/peaceful commute home. Listening to a podcast in traffic was one of the highlights of my day

Welcoming anyone from Project Delivery or who would like to learn more about the PDM track. Spread the word.

What range should I quote to HR when they ask for what are your expected salary? Current CTC is 10.55 LPA. I have 5 years of big data experience including 6 months of on site project at egypt. Your suggestions are most welcome....

How do referrals work?
If I get a referral from someone and I apply, then can I still reach out to a recruiter on LinkedIn expressing interest in the role? And do I let them know that I already applied? I’m sure they get tons of messages so what should I say so that it won’t be overlooked?Im currently unemployed and very eager to get an entry level position in either HR, Marketing, or Project/Program Coordinator in the tech field, so any advice is greatly appreciated.

Diamond medallion on Delta. They lost my bags on the outbound (3 with my wife who is Plat) and inbound flights (1) on a trip to Europe. How many points should I expect? Any advice to deal with this?

Hello fishes,
I have a total of 4 years of experience. I got offers from the below companies. can you help me choose which is best in terms of career growth, work life balance. Thank you.

Micron Technology - 15.5 fixed (plus some stocks)
Virtusa - 17.1 fixed + 90k variable
UST - 18.5 fixed + 50k variable

Black Friday deals here.

Amazon 14% off qc35s

I am beyond stuck in my first 1.5 years of my career.

I was over promised opportunities at my first gig and then Covid hit. Leading me to have no portfolio worthy pieces from this 💩 agency with nothing great in sight. (place hasn’t won a pitch in my entire time here + lost clients)

I’m juggling re-vamping my site and a side project to hopefully make my book more robust.

With no kind of leadership or mentor, I’m just figuring out how to dig myself out of this hole. Any advice for this chump?

So....animal crossings, anyone?

What puzzles do people generally get as a question in senior data analyst role interviews ?

Does anyone else constantly get mistaken for a nurse? I get it, I'm 5'4 and Black and work in pediatrics, but the assumption and casual racism is kind of ridiculous when the actual nurse has just told you that the doctor's coming and then I walk in the door. Doesn't really help when I'm one of the only Black on-call physicians. Annoying.

How is the GSAP tech allowance taxed? Bonus or income?

I'm thinking of experimenting with some incentives to increase our community's engagement. What incentives have you used in the past that have been successful?

Should I read anything into the fact that since being laid off I’m finally sleeping well?

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

Is it possible to get money out of ibonds before the 1 year period? We put out house down payment in ibonds thinking we won’t buy until Jan 2023 but we really like a house and wish to buy. Also, if I bought the ibond on 2nd Jan 2022 would it mature on 2nd or 30th Jan. TIA.

Are we on recession? My portfolio is super down - low cost ETF investor here

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

I’m curious why more non-US citizens interested in FIRE don’t go live in a no/low tax jurisdiction even for a few years e.g. Dubai, some Caribbean islands. I get that some people will have family circumstances (e.g. elderly parents to look after) so it won’t be possible for them, but for a significant proportion it will be an option

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

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.

Are investment properties good for retirement?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

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

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

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?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!