Best Vanguard funds for 401k? Anyone willing to share their fund breakdown?

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Hard to go wrong with VTI

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VOO over VTI. Comparing the CAGRs and SD... no brainer.

VTCLX

I use target date for 401k.

Make sure you check the expense ratio and other fees on that and understand just how much that diminishes long-term returns. it will almost certainly under perform the market and cost multiples more than a market-tracking etf.

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Anyone ever travel w/out credit card, to later find out you don't have enough loot? Is there problems expensing using someone else's cc?

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I was paid a retention bonus last year which I have to return - couple of questions: Will I get a corrected W2 ? If yes, how much time does it generally to generate a corrected W2? Should I wait for corrected W2 to file the return ? (with the current comp - I owe taxes however with the W2C - I will probably not..) thoughts??

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Hi Fishes,

Can someone DM on the process of healthcare consulting companies approaching the pharma clients for business

Thanks

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Hi Team
I've declared the tax under my profile payroll and what is the use of FCP?

People worrying today should read books on trading psychology! Not being patronizing- it will help you in the future, not just for investments but for doing better in life!

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Guys, i m in a pretty bad financial situation and need to pay my student loans and support my parents who lost their job. I m trying to brainstorm how i can make some side money. Thinking something that i can do remotely like an amazon store. Goal is to generate ~$1000 months in profits. I just have no idea where to start. How do ppl go about starting these?

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Need advice on How do you structure your corp to corp benefits and salary that you pay yourself? And what are the items that can be written off when you work from home?

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Was there ever a time you wanted to give up being a real estate agent?

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Any Insurance Broker Account Managers in Oklahoma (Health/Life/ Employee Benefits)? Would you be willing to share your salary information and any information about your work load/the amount of groups you manage and their size as well as your years of experience? I’m trying to determine if mine is comparable to what others receive. Thanks for any insight!

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Hi Fishes. Just got the following offer and would like to know in hand salary. Please let me know.

Fixed: 30 LPA
Bonus: 3.33 LPA
Gratuity: 72130
Stocks: 2 LPA every year for 4 years
Benefits: 91k Broadband, meals and insurance
Total: 37 LPA plus joining bonus of Rs. 2 lakh

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I’ve been verbally offered a position at a new company, but the recruiter insists on getting a verbal acceptance before sending the offer in writing. This person insists on negotiating salary before sending the paperwork. Generic benefits, RSUs, bonus info have been provided; it’s all unofficial.

This is absurd. Am I missing some “new way” of doing things? Your take?

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Are new recruits eligible for mobile phone reimbursement within one month of joining? I understand that it needs to be configured first.

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Healthcare consulting practice. Deloitte vs Accenture vs other players. Thoughts on who has the best practice overall?

And any insight/who has the best practice in the provider space specifically?

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Anyone here familiar with the medical records field reviewer positions at Change Healthcare? Looking to get a little more info on schedule, workload, and pay specifically. TIA!

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Need some help! Currently live in TX but work as an independent contractor (remote) for a NYC based company - do I still need to pay NY state convenience tax on income or would this only apply as a full-time employee?

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Hi All,
I recently learned that we can get our PPF limit from 1.5Lakh per year increased and so does it increase in 80C. Is that true? And if yes, how can it be done?

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ZS London compensation and benefits?

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Anyone here working at West Monroe’s Healthcare and Life Sciences practice? Would like to connect about culture and experience. Interested in applying, but not too familiar with the firm. Please and thank you!

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Anyone willing to share thoughts on National tax- unclaimed property at EY?

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Hi Everyone!
I have an interview coming up for an Account Manager in Healthcare. I have 9 years experience in Healthcare Revenue Cycle Management and a degree in Communications but no direct experience as an Account Manager. Any idea what a fair salary would be for Bay Area California?

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If I want to apply R1, when should I request recommendations?

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Hi all, my name is Alex and I just joined the bowl :)
Im graduating in may with a BS in Industrial Engineering. Ive also held a Data Analyst Internship for 1 year with a small construction company. Anyone have advice where this combination of education and experience would make me most competitive in terms of roles/companies?

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Don’t cave in on your rates! Stay strong! 💪

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likesmartuplifting

How do you get more dopamine?

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Really looking for a way to turn around a toxic building culture with staff to staff bullying, cliques/social isolation, hard feelings on big topics (racism, non acceptance of gender identity). Last year the staff polarized with the lead bully whom I helped leave. And the lead gossip (who was my secretary) that gained their sympathy and turned them against me. She also left. Now I need to regain trust and eliminate unacceptable teacher behaviors. Open to any and all advice.

funny
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Anyone in Maine or New Hampshire?

Trying to leave agency life, but unsure of where to go next. Any successful transitions? Where did you go?

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Currently a Sr. Designer finishing my masters in marketing/pr and am being offered a job as a pr & marketing manager. Is it a bad move to leave the creative side for bit? My goal is creative director.

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I am a recent grad(Finance), and my MBA school is not a named institute like Stanford. I would want to work for a consulting co. who is heavily involved in Finance. Can you help me create a roadmap from where should I start? What are top finance business consulting companies and how to get there? My undergrad was in science.

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What are the rankings for top consulting firms in the human capital space? (Big 3, big 4, +++)

If anyone is looking for referrals at Servicetitan, hit me up.

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Here’s a question for the recruiters out there: do you want to see my portfolio?
I just started freelancing after having been FT for a long time. Top agency experience, Cannes Lions, NYC-based, DM me!

Persistent conducts interviews just for timepass. After clearing all rounds they don't offer. Aspiring candidate dont attend interviews.

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What should a Cna/mht expected hourly pay/ yearly salary with 5 years experience in Delaware

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Has anyone out there worked for a cruise line before? what was it like?

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Was offered 90k for a CD position in Brussels. Is this a good offer? I mean, I wanna do it because I want to live in Brussels but I know taxes are brutal there. Almost 50% of my income is going away

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Additional Posts in Personal Investment Chatter

Anyone looking at airline stocks or ETF play?

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Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

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Thoughts on XT?

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Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

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Investor’s Business Daily: worthwhile?

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Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?

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Why is Oracle buying tiktok? seems utterly far stretched away from oracle’s current business model

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likesmart

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

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If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

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Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

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What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

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Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

helpful

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

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Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

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Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

likesmart

Share the most interesting/spammy DMs you have received in Fishbowl

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funnylike

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

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Week of Aug 27

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Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

likehelpfulsmartfunny

I’m thinking of opening a TD Ameritrade account for investing - does anyone use this/have any feedback? For reference, I recently graduated and have no prior investing experience, so any feedback on investing is appreciated :)

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