Anyone else severely disappointed in the 401k options available? Specifically index fund availability. My KPMG fund only has one available that matches the S&P 500. No small or mid cap. Suggestions?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Anyone investing in index annuities? Can someone explain why this is beneficial?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Is the real estate market slowing down?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Had a baby recently with some health issues which has prompted me to reevaluate my big firm associate life and consider in house. The issue is, I’m thinking of leaving right after/during maternity leave and feel very guilty. Do you think I should explain myself or just say I found another opportunity? I don’t want to burn bridges but also don’t think they are entitled to know everything about me.

Hello everyone. I am currently a HRIS call center rep. I assist clients with payroll, benefits, and platform questions daily. I am looking to move into a position more back office or even customer experience with less constant phone calls. I have over 10 years customer service experience. I also have history in the banking industry. I am about to start a bootcamp to become a Data Analyst but looking for a new role ASAP. Please let me know if you can help.

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

I know this is small dollars, but my firm only pays $25 per months for my cell phone. We all work remotely, so using cell a lot. Is it silly for me to push for full reimbursement? Is that pretty standard?

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

Hi all, I’m in the north east metro area and due to the current RE market we decided to look into PA specifically Lancaster. Anyone in this market and have any thoughts on where it’s headed? We’re looking purchasing a single family property all cash at 110k that rents for $1100 a month. The last owner bought for 35k like 15 years ago 😩 but hoping buying and holding for a few years will give a equal or greater returns over the long run.

Hello ,

My experience is 1.2 years and I am being offered to move to Oslo,Norway to work from the onsite location.
Is it a good choice to move to Norway? What benefits does a person get when they move to an onsite location ?
Please suggest whether it is a good option to choose an onsite project or stay in India, and switch after some time?

Thoughts on SCHD for Roth IRA. Currently have FBGRX and thinking to add SCHD. Will it be a good diversification?

Hi Fishes,

What is the expected in hand salary for the salary quoted below and assuming tax savings of 1,50,000 through 80C and HRA of 35,000 per month

Basic: 15,22,500
Flexible allowances: 25,71,567
Provident fund: 1,82,700
Monthly gross: 3,62,000

If you had to decide between these roles based on these metrics, what would you go for?

Manager @ Tier 1 firm ($15bn revenue) - Low/Medium Pay
Senior Consultant @ Tier 2 firm ($0.6bn revenue) - Low Pay
Senior Consultant @ Tier 2 firm ($0.3bn revenue) - Low Pay
Principal Consultant @ Tech firm with new consulting arm ($0.2bn revenue) - High Pay with great benefits

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

Employer is 100% sponsoring MPH and decided to take it to further expand network and it's decent (T20). Wondering if Epidemiology or Healthcare Management would be a better concentration? I'm currently in pharma and the goal is at graduation I'll have a good amount of experience and a little bonus (MPH) to be competitive for experienced hire roles. ZSers, what are your thoughts?

Struggling with a decision. Just started a new role with good manager and WLB within healthcare technology. But another large tech firm/cloud/software reached out and willing to pay 20% more. Not sure what the WLF is for this other role. Should I take the better paying role?

What is the *prime* amount of money to bring you happiness?

Hi everyone I want to switch to IT Department as i am finance graduate has no experience in coding so what would be best to learn so i can work in IT Field

Is there a specific time for Wharton invites this Tuesday?

Hi , can we bring our personal iPads/ tabs to office?
Before how many hours i can register for ad hoc ? Before how many hours should i register / edit normal cab options? Please clarify .

Interested to know: how nervous do you feel about losing your job during these strange days? And do you feel like your company is taking advantage of that at all, knowing you won’t leave?

What has been your worst experience working for a news agency?

Any Black Friday deals out there?

Anyone find a good source for cheap garage floor mats? Need to cover about 300sqft and would love to avoid paying through the nose lol… Maybe I’m looking in the wrong places but it seems like flooring mats are shockingly expensive. Am I just out of touch?

Looking to possibly boomerang back to public somewhere between senior and manager level in the Boston area, likely in the real estate industry. Either advisory or audit. Any interesting opportunities?

Advice on GRE prep? Looking to add a PhD and would love input on what the best GRE prep materials are. Optional bonus: your earnest opinion on what I, a mysterious stranger, should get my PhD in.

Is every editorial department as angry and rude as ours or is it like this across the industry?

What business units or segments in TCS are led by European, Far East, or South American based leaders?

I want a dog so badly but I can't imagine walking him up and down these hills every day T_T

Is there any cooling off period for getting promotion in tcs. Like the time period between 2 promotions.

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Capital gains tax rate - I know there are diff rates (0/15/20) depending on income threshold but is the threshold based solely on “earned income” (i.e., wage)? For ex. if I quit my job and hv zero earned income and sell my stocks with 5M gain in the same yr, there would not be any capital gain tax?? It doesn’t seem right but is that the rule?

Just rolled over my 401K into an IRA. Any recs on ETFs to buy? I have 2 dividend ETFs so far, and want to buy things other than VTI and VTV since I have those in Roth IRA already.

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?

SPY 200 by year end

Anyone looking at airline stocks or ETF play?

Hello I just started my first job (I’m 22) and I need to set up a 401k for matching with my company. I’m really confused how this works because I want to try to hit the IRS maximum of $19,500 for Roth contributions this year. Maybe it’s too late in the year now, but it’s asking me to pick my desired contribution % per pay period, but I’m not sure how much to do because it says it’ll kick in 1-2 pay cycles and I don’t even know when the next pay check comes yet. Any tips would be great

Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

Any one here following the SECURE 2.0 Act. People got any opinions or tacts on if it could benefit us?

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

Hey 🐠 , how do you guys shop for car insurance? Having a hard time finding a true aggregator site for comparison—they all direct me to individual insurers for quotes. My rate at GEICO just went up 40% so want to shop around a bit…

I think living a frugal life and aiming to retire early makes a lot of sense.

Recently, some of my family members are diagnosed with a rare diseases. When you look at the statistics, these are so many of these ‘rare’ conditions and cumulatively they are not rare.

These family members conditions made me reevaluate how I want to spend my life. I am 35 this year and I can’t decide if I should take great vacations with my kids or keep living a frugal life. Do you have the same dilemma?

Is ARKK still a good ETF to invest in?

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Any advice on how to building wealth while making $80k a year? I am invested with my company’s 401k and am looking to buy a house. I have been working for a year now and have saved over $40k

Took a lump-sum pension payout from my last employer and looking to deposit the amount into an IRA account at Fidelity. Hoping this knowledgeable community can guide with couple of questions I have:
1. What kind of IRA should I open at Fidelity - i) Rollover IRA or ii) Traditional IRA?
2. Is this transaction considered - i) Direct rollover or ii) 60 day rollover?

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Is buying into the VIX the best way to hedge for a mkt downturn?