Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

New year checklist for amex plat, CSR, Delta, and AA? :)

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Anyone maintain real estate license on the side? If yes, which broker is a good one to associate with of the ones with all these crazy commission models?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

Hi everyone, I am locking for a job change . I have 8+ years of experience in hr generalist for 6 years and 2 years in knowledge management. My current package is 8.2 lakhs and expected is 12 - 15 lakhs, request you to please help me in fi ding a job in your organization

I have an offer for $130k for a senior attorney position in a boutique L&E firm. Also have a recruiter who thinks she can get me into another for $150-170k. Both are more than I’ve ever made (Denver, 17 yrs of experience but completely different practice areas). Any tips for countering the $130k offer for more using the other potential offer while not risking a complete withdrawal of the current offer? I’ve never been in a position to bargain my starting salary so this is all very new to me.

Hi Fishes,

I have been offered 37.5 lacs ( fixed ) plus 20% variable for the associate director level . My current fixed CTC is 29 Lacs .

Can you please let me know if this a good offer or I can get more?

Please also let me know what is the salary range for associate directors?

Does anyone have a tool/ site that calculates what the offer would need to be to leave a current role, all things considered? Of course, it’s anything more than you’re making now, but I’m looking for something that accounts for LTE, the hassle, risk, etc.

Can I change my base location from Bangalore to Mumbai? I am having an offer from capgemini but it's from Bangalore, HR told me you can change your location later on,
So can I change my base location?

What exactly is expert track consultant at MBB in terms of qualifications , pay, progression compared to general? I’ve been working in FANG PM for a few years and I’m getting bored. I’m considering moving to MBB.

I am negotiating an Engineer position in Ottawa. Is 90k a good starting point? I’ve checked Glassdoor, Indeed, and the PEO salary survey, but I want to have as much info as possible. Any pointers are appreciated!

Does anyone have any connections or referrals for a healthcare travel recruiter company? Looking at Aya, AMN, MedTravelers but open to others!

For SAP Is coding knowledge required ? If not then are non coding sap roles are in demand in India also please share how will be the future and pkg ..thanks

Any home buyer around? Are you still making offers above the listing price and getting out-bid?

I just got out-bid with about 8 offers ahead of mine 🫣

Can I simply upgrade from Amex Blue Cash Preferred to Amex gold? Or would both just be open at the same time since one is technically a charge card?

How much annual hike PwC India gives to their employees on an average basis?

Has anyone at Deloitte gotten a mid-year promotion because year end was underwhelming due to being at top end of pay band two years in a row? C to SC

After 3.6 years is 16lpa a good salary?

Saturday Wordle

Wordle 518 5/6

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I’m too lazy to post Instagram stories.

Has anyone successfully switched from a claims management role to the risk side as a risk manager/consultant?

How long do you stay in a rut vs. GTFO? As of Oct. I was involved on every project on my account, feeling valuable. My director has slowly been pulling me off projects & I’m feeling my brain get rusty

Changed all of my passwords to Kenny.

Now all I have is Kenny Loggins.

I ranked #2 on the Whova leaderboard at 2022 NPA Annual Conference! #NPA2022AC - via #Whova event app

How is Will Smith in both Suicide Squad (DC Comics) and Avengers (Marvel)? Were there zero other candidates for the role? Posting this as it will oddly keep me up tonight. Confessing I'm confused.

Is anyone else struggling to find motivation today? I just can’t bring myself to care about anything work related. I’m trying to push through but it’s hard today.

Account managers..Do your TCV targets include everything sold at your named accounts by other sales people or only contracts sold directly by you

Anybody working at a Big 4 accounting firm in the Bermuda region? Willing to chat
EY PwC KPMG Deloitte

My brother is starting as an analyst at Goldman Sachs in Salt Lake City. I want to give him a nice accessory/piece of clothing as a starting gift. Any suggestions?

Hello Fishes,
I cleared the Level 2 interview as an Appian developer. Could you please let me know what Level 3 interview would be about? Thr HR said it's an interaction session with the panel. But should I be prepared technically?

Fellow expats, how do you handle the holiday season in Singapore? There's no way I can go all the way back to the States for Christmas, and I'm already feeling the pangs of homesickness creeping in.

Clients are pain in the ass out here

Any ACCA students register for an exam using the new website? No combo of dates or locations ever works under 'Add Exam'.

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

I have a 401k that I max out and a brokerage account - do I also need a Roth IRA?

What are your thoughts on a 200k cryptocurrency investment?

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Can Amazon please do a stock split 😭

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

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

I’m looking for a new every day cash rewards credit card. Do you know of any that is better than 2.6% cash back? Trying to find something better than the Bank of America® Unlimited Cash Rewards Credit Card.

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

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?

I don't have car experience but I'm going to buy my first car (used 2018). I don't have a mechanic to help test the car. Is it safe enough if I buy from a dealer with points inspection + low milage (< 30k km)+ clean carfax + contactless delivery? I have funds available to pay in full.

I have 21k in my savings account. Where should I put this?

Heard on NPR Mktplc- Larry Fink - Blackrock CEO - 2018 Letter to CEO’s. He wants companies to make a positive contribution to society. How are you shaping investments for greater good? Tips?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

How much do y'all try and put into the market each month? I e been doing about $5k and have leeway, is that too cautious?

I’m 32. I have $80k saved. $40k currently invested. Then ~$50-60k in 401k. My plan was to save for a house, but prices have skyrocketed. As life returns to normal...I need to now move out from my parents’ again. Do I bite the bullet and rent in NYC, or stay and save another 12-18 months and hope to buy something? Full transparency: taxes make it very difficult to buy. It’s not the down payment, it’s the taxes.