Best options (companies that provide) term life insurance outside of work? Please advise - looking to get this done this week for wife and I

Does the employee get both the employer and employee contribution to PF or only own contribution to PF?

Hi Guys
I will be joining IBM next week in Bangalore ( physical onboarding ) and my hometown is in West bengal , My father is having health problems , mother won't be able to handle everything and no such person we can rely on . Also I am getting married in January . Hence If i stay in Bangalore there will be no one to take responsibility for my marriage prep also . If i convey to my ibm manager will they consider for 4months of WFH?Any documents may have to show?
Need your suggestion please

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

May be this is off the topic..
One of my friend who is a doctor & is an international med graduate. He passed his United States Medical Licensing Exams with above average scores. He has applied fr the match last yr & was nt able to match. Match process costs around USD10k; this year he is applying again after borrowing funds frm different sources bt he is under tremendous pressure to get match. I feel his pain as he has studied for 10+ yrs and is struggling to match nw. I m nt sure hw I can help

I just got a new job offer (3.5 YOE, strategy at late stage startup) for $125,000, sweet benefits, and $60k stock options.

I already notice that I want more despite not even receiving one paycheck. Previously made $85k.

Why am I like this?

If I decline health insurance at IBM, do I get a cash payment? I have an offer from another firm that gives me $5k... does IBM give anything?

(Wife has free health insurance via her city job)

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

healthcare promotion from EM to SM in your firm? trying to calibrate expectations....

Haha Merrill just reduced the pc payout grid by 3% for advisor below $2m in production

So my offer letter says I have return back the signing amount if I leave within a year. How does the math work-full rerun of 20k or post-tax deduction the any that I received ?

I need help. Anyone have information of being an advanced medical support assistant for veterans affairs? I got offered a job in the SF valley . The pay Is a bit less but it's about 5.5 miles from my house.close. Why do people pray for government jobs? At the moment I'm with ucla health as an admin assistant float permanent& have been offered permanent placement at a site in LA about 16 miles . The pay seems pretty decent& also have the pension plan. Been here about 2 years no issues.

What are the employee benefits at mphasis ?
Could you please let me know
Are there free transport , 100% company sponsored medical health insurance for self, sponsored certifications, leaves etc ?

Did anyone apply for amex card as an employee, recently, after the acquisiions started ?

Hi,

Can you help me in Flexi plan of atos.

Today is last of LTA submission and from the team there was no any response.

My query is I am eligible for 75k LTA and now I entering that amount on portal it not allowed me to enter .. continue showing error pop up say basic of HRA 5%

I am not understand that message. I entered my housing rent on portal..

Is the HRA and house rent factor in salary are the same.

And LTA is depend on HRA amount.

Can you help me .. it will be helpful..

TIA

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

Looking for advice about workplace accommodations for mental health - calling all people with mental health issues and managers who have dealt w that. More info in comments

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

How is using char broil grill?

Just finished entering 70% of my time for October. Anybody else?

Hey IBMers/ex-IBMers,

What is the designation hierarchy in IBM GBS for someone joining as "Advisory Technical Services Specialist" at "7A" band?

Like I would like to know what will be the next designation/band once for me if I get promoted?

YOE: 6 yrs.
Tech Stack: Testing

Thank you in advance!

Hi folks!

Currently interviewing with Mastercard data and services for the consultant role.
Wanted to enquire about the travel opportunities in this role, be it within India or outside. I personally enjoy travelling and have travelled quite a bit during my consultant stint previously. However, not sure of what the norm is within Mastercard.

Thanks!

Which crypto coins are you putting your money in?

I started investing in January 2021 with a current portfolio of 40:60 across Mutual Funds ad stocks. The MF portfolio is giving my a current return of around 10% cumulative whereas the stocks are giving around 6% cumulative.

Not sure how to get the game right.
Views please friends.

anyone know how to link Google classroom and PowerSchool together? our small school cannot afford Unified Classroom

Hello guys, Looking for a job in finance domain ( accounting, liquidity reporting) in Ireland. Any referrals please connect.

Has anyone been to Chamonix for skiing?

Wondering where the best area to stay in is and how easy it is to get around?

Hi can anyone please share me the work environment in Mphasis Hyderabad as Senior Software Engineer ??

It seems like we’ve had many people join from firms today. In the in-house bowl we had a lot of people speaking about F50 who don’t actually work there and the info/advice was often not accurate. If you’re not at an F50 feel free to ask questions but please refrain from commenting on things you don’t have first hand knowledge of so we can avoid the misinformation issues and make this bowl helpful for all

What would be the best overall consulting firm to work for as a Cybersecurity Consultant? Looking to advance my knowledge and earnings potential.

Does spotify have QA lead roles ?

My utilization is 90% but all of my clients are small jobs. Does that look worse than someone who works on the larger, higher revenue generating jobs with all else equal (utilization/performance)?

Has anyone tried Isagenix? Thoughts? Did it work?

On the verge of leaving law but getting cold feet. Could someone talk with me? I feel like it’s just a matter of not getting good mentorship but I’m concerned my feelings might not change elsewhere. I just don’t know. I wish I could just have a mentor and guidance

I really feel like I should be excused from this "diversity and inclusiveness" training stuff lmao. It's about implicit bias and I'm sorry it's just not believable coming from an old white man's mouth when there are maybe 4 non-white associates. We're having these meetings 3 times this week. 🤦🏽‍♀️

When a company asks us to provide the offer letter we are already having , is it fine to provide it to them as it is confidential.

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!

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 have 10k extra to invest. How should I grow it? Any growth stocks to recommend?

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

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

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Out of curiosity, do you think most ppl max out 401k (19.5k) and Roth IRA (6k) annually?

Currently making 70K and I usually up my contributions each to start each year. I'm up to 10%. How should I split up my mix? Currently all in traditional.

Plan is to get this higher as I eliminate debt but 10% is all I can afford to do for now

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Decided to payoff my mortgage.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

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”

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.