Any thoughts on I bonds? Some recommended them. Pros, Cons ?

Do all B4 firms match only 25% on our 401k contributions up to 6%?

Welcome to the Retirement Plan Advisors Bowl. The goal is to give advisors of Retirement Plans a place to discuss the challenges, opportunities, and daily ins and outs of working with all types of employer sponsored retirement plans.

My SO and I are touring a home tomorrow that we’re considering purchasing. With COVID restrictions + high interest in the home, we only have a 15 minute time slot to tour it. Suggestions on what things we must check out given the time constraint? We’re first time home buyers, so want to make sure we don’t miss anything critical during our tour

Hey
I have investment in crypto and as per kpmg policies we cant hold it. Can anyone please tell is there any way of holding the same and not getting caught.

Planning to open brokerage account with fidelity to invest around 50K then $500 each month. Is it good strategy? Also any good bonds, stock etc you guys suggest atleast to hold for next 5 years? I am into investments and appreciate your help.

With House Tax + HOA + Maintenance + Home Insurance + Security System + 4% mortgage, is it even worth buying a home especially at these levels? (NY/NJ area)

In the UK what rewards credit card is best for relatively frequent travelers? Amex platinum / BA premium / something else?

Mt Gox bitcoin liquidation: Influencer hype or actual likely source of downward price pressure in the next month?

Hi,

Not related to careers. Anyone got notice for last year tax return esp on high value transactions?

Investment advice for a junior associate (with minimal research or effort). Young with minimal expenses, so open to any and all suggestions.

First in my family to go to college, parent is abusive so I have no safety net & had no help. Worked full time all through college & still graduated with 30k in debt. I’ve been paying really aggressively on my private loans since the federal pause and I checked today and I now only owe 2800 in private. Pretty sure I owe 11k in fed & I qualify for the 10k. Honestly trying not to cry from sheer relief.

Anyone have a good tax person in Philly

Want to buy a house in bay area? Is this a good time? Thoughts?

what you buying?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Hey friends. My wife and I are looking to start investing in the market outside of our 401ks, hsa etc. We opened a Charles Schwab brokerage account and planning to transfer 2-3k/mo. We’re in our late 20s/early 30 and likely won’t need to touch the money for 10+ years. What should be our investment strategy? How should we allocate to what funds? Thinking of splitting evenly across large, mid, small caps, and growth, value funds using DCA.

Recommendations for tax filing in Chicago downtown?

For those who use property management companies to manage your rental properties, what are the services that you really value and will switch out to a different one if not getting such services?

Wrapping my head around the equity piece of an offer. Is the equity you are granted in dollars converted to shares right away? So if the stock goes up or down, the totally dollar amount in equity granted when you sign might not be what you actually get over the first four years?

Anyone here read “Die with Zero”? What are your thoughts on the principles from the book?

What can a senior 2 expect to receive as annual hike with strategic impact rating ?

What does the salary band look like for a Senior Associate, IFS at PwC? Trying to answer the salary expectations question on the application

Has anyone done the GARP Financial Risk and Regulation course? Was it educational? Did you do the FRM after?

Re: commuting subsidy - where do people usually use this? I live in the city and commute by subway so cant use it for parking.

Folks, never join Qualys , It's work culture is very bad, they are forcing everyone to report to pune office.
Zero work-life, work starts from Day 1.

So I'm not trying to be dense, but how is it worth billions of dollars to send Artemis to the moon when we haven't even figure out how to fix our own climate

Hi everyone. It’s promotions season for my team 🙌🏼 and trying to work with HR to field the market for comp rates. Any guidance on senior CSM roles today, comp + bonus at a company size of 60 people? Role is based in San Francisco. Thanks in advance!

Got the letter.

Fellow consultants in Denver, what’s your compensation like? I’m at $130k base.

How do y'all feel about Teslas? Idk why I assume the worst about the person driving them 😅

What does everyone think of proposition 122 on this year's ballot? Do you think it'll pass?

✨What's Happening Wednesday!✨
Use this thread to share fun events, concerts, and activities happening this coming weekend!

Any change folks work at slalom? What are your thoughts on the firm? Considering moving from a smaller tech consulting firm to slalom and want an insider’s perspective. Talk about wlb, growth, type of work done, team dynamics, etc.

Looking to get into health policy analysis or healthcare consulting in the UK or EU. I have 3 YOE in clinical practice as a dental surgeon and programme analyst, as well as a master's in healthcare management. I have applied for so many entry-level positions but have gotten so many rejections, I've lost count. Please, does anyone have any helpful leads? It gets really exhausting

Do we think SAP is a dying ERP and won’t be able to compete as more “custom” SaaS solutions that are more tailored to a customers needs are popping up more frequently and a lot cheaper?

i think we have finally squeezed out all the happy-go-lucky advertisers from this bowl and digitally transformed it into a consultant and lawyer cesspool... mission accomplished

Any thoughts for getting the legal benefit during open enrollment? Any success stories or benefits?

Hit the $100k net worth milestone today! Super pumped and thanks to everyone in the bowl for all the insight.

Male - age 24.

Any advice on how to invest 150k? I’m looking to invest into a bucket outside of stocks and cypto. Ideally would like dabble in real estate (multi family) or a business however finding it difficult to find deals or investment opportunities in those area. Any advice or website recommendations on how to take this initial step?

Planning to open brokerage account with fidelity to invest around 50K then $500 each month. Is it good strategy? Also any good bonds, stock etc you guys suggest atleast to hold for next 5 years? I am into investments and appreciate your help.

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

Is there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

Want to buy a house in bay area? Is this a good time? Thoughts?

Anyone have experience using John Hancock as a 401k provider?

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

Finally have built up an emergency fund after 2 years of working! I’m looking to move most of it to a high yield savings account (and then start investing, woohoo) but not sure which is the best one or if certain ones have better services etc. I’m looking at Marcus just because it seems to have the best rates right now but any info helps! TIA

Not sure if this is the right bowl but hoping to get some insight. I have a lot of student debt, and am considering refinancing with First Republic bank to get a (marginally) lower interest rate. However, their version of refinancing student loans has changed in the last couple years so now they offer you a personal line of credit. Is it a bad idea to refinance with a line of credit vs a regular student loan refinancing?

Schwab users - Is there a way to see what you put into Schwab vs what your current account value is? Seems my account transfers, withdrawals, and selling of securities has skewed my chart and I’m not sure if I’m up or down on my initial capital.

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

Anyone know of a swing trading service? Looking to pay for calls/puts direction over weeks- not day trading

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

For my marriot members. Which cc do yall have for marriot?

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

How do you choose 529 college plans. Currently in MD but will move to TX or GA in next couple of years. Any plans that avoids locking into specific state and allow to use funds for private or public colleges.

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?