Confession: Sometimes I give money to homeless people that look like they might be an undercover billionaire looking for a kind soul to leave their fortune to. Does that make me a bad person?

How to check what is there in full and final settlement as they just sent the amount to my account...not any mail or anything to check.

Is there any reason to NOT max out a 401k? I’m 23 and will contribute about $10K this year ($86k salary at ~11.5%). Does it make sense to max it out? I don’t have any large upcoming milestone expenses except maybe going back to school in 2-3 years, but not for certain yet.

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

So student loans aren’t being forgiven this year…right? I think it’s time I open the flood gates and dump all I’ve been saving towards my loans. Or should I leave 10k in hopes of forgiveness later on?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

Anyone here ever had any experience using a 203(k) loan? How wild you rate your experience?

Hi Fishes,

If the gross CTC is more than 120K in Poland, tax will be 32% right?

Are there any other deductions apart from this?

My assumption is, we get atleast 68% of our gross. Are there any ways this can further reduce?

As we are not frequenting to office and clientsites, anyone plan to return their leased car to save money?

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

First baby, already saving in a 529 and UTMA Brokerage for him, what else can be done? Open to ideas on how to best set him up for future success - at least financially

Would people mind saying their yearly income and how much their mortgage/rent is? Can they also note if they live with roommates and how much they pay as well?

I’m originally from Brazil and most of my investments are allocated there.

Brazilian fixed income products are paying 13.25% returns and I’m wondering if it’s a good idea to secure this return in Brazil or if now it’s a good time to build a portfolio with US equities?

(90% of my money is on my Brazilian portfolio)

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Do you enjoy financial tax? Have you ever tried to transfer to general tax and was it successful?

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

Can you “limit-buy or sell” in Coinbase?
When you execute the transaction, does it take price in that very moment? Does it transact directly with the bank, or you can keep money in Coinbase like Robinhood?

Does anyone use the fidelity app? How can you change it out of dark mode? I can’t figure it out for the life of me.

Hi buddies,

Hope you all doing good. How many sick leaves were provided by cgi?? And is there any specific limit of taking sick leave with respect to financial year? Kindly clarify!

What’s BCG digital ventures comp model like?

I’ve been a freelance print production designer for many years, and usually on-site in the before times. Now I work remote, and am finding it uneasy dealing with billing. Before I always billed hourly, which made sense, but it’s becoming an issue now. Some companies don’t have a full days’ work, so it seems wrong to bill full days, and it allows me to juggle projects for different companies, but my billable hours are down. I know I should bill a daily rate, but not sure that will fly. Thoughts?

Trying to narrow down my quarter life crisis. Currently I’m looking at a UX Design bootcamp, do people actually hire from these bootcamps?

Need some budget help. Just starting out. About 70k gross, 2.1k/ month in fixed expenses ( not counting food etc), 12k of debt. 26 yo w/ no real savings

Have money invested in S&P 500, and now starting to regret not having diversified to international stocks as well. Would want to diversify now to buy a total stock market index, however since S&P 500 dropped more than that index, not sure it’s worth to crystallize losses to do that. The alternative is to stop buying S&P 500 and start buying other markets as separate ETFs, to eventually bring in line approx. with total stock market index. Any advice on the best course of action?

Does anyone have any connections at local hospitals? Moving to Charlotte this summer with my girlfriend who is going to be an R.N (Registered Nurse) and she’s currently job searching, thanks!

Do you regret accepting an early promotion?

I’m totally empathetic to people that miss offices and traveling. I understand your reasons why, I truly do.

For me personally, after non-stop weekly travel for 4 straight years, not traveling has made me realize how much I enjoy being home. Spending time with family, sleeping in your own bed, consistent exercise schedule, etc.

I for one hope consulting becomes more of a hybrid travel model (i.e. travel 1-2x per month or as needed). Else it won’t be for me.

Anyways, just some thoughts.

Hey guys! I just recently moved to Vancouver and actively looking for jobs. Anyone know of any opportunities for SAP PM/EAM or System Analyst/Business Analyst with ERP please let me know. Would be of great help. Thanks!

Will be joining Brillio on 24. What to expect interms of welcome kit.
Will they be issuing high end laptops ?

Any ERISA attorneys interested in switching firms? I am in recruiting and have a client looking to add 2 associates?

New to due diligence and not sure the timeline of projects. Tips to stay organized of the project and timeline, and how to update those leading the deal? Just keep track of new info and provide as necessary?

I don't know if anyone can answer this. But how much do most civil engineers make? There are so many conflicting reports about "overpaid consultants" and it's almost impossible to get an actual answer

What makes a good owner’s rep?

I was curious what other firms have set as their utilization goals for their different positions?

Currently, everyone from staff to senior manager has a set goal of 90%.

Only inside jokes on this bowl these days ?

So, I work in an agency, but recently someone reached out to me for freelance writing work. I guess it'll be long form ad copy, as they're asking me for a rate per word...
I have no idea what's standard here

It’s hard to be motivated when rounds of layoffs happen and you see all your friends leave. But one thing that’s gotten me through all of this is working out. And when I say workout I mean the most pathetic, sad, barely completed beginner-level cardio dance routines. I’ve somehow forced myself to move while on lockdown and it’s somehow forced me to feel better. Whatever you’re doing, wherever you are: get up and move even if you don’t finish or end up going on a walk. Pls take care of yourself❤️

Laid off, 10 years exp, tired of acct management. Feel so lost. Don't want to go back to agency side. What should I do? I feel like 💩

What does your (romantic) partner do? Is there a big income disparity between the two of you?

If your agency would pay for any training, education, certification you wanted (no limits on time or money including PTO to complete) what would you do?

Next time I have a meeting my Senior Manager, I may just snap and tell him that instead of constant nitpicking and giving hurtful, blunt feedback, how about acknowledging sometimes for a change?

Remember The Woo? Yeah, me neither. Well, they cut everyone’s pay (except mgmt of course) by 1/4 to get the small biz gov loan, and used it to hire a $500k/yr mgmt head. Agency still working barebones

Manager texted me at ~10pm asking for a non-critical update. I chose not to respond (until morning) because I don't want to allow a bad habit to form. Thoughts?

Freelance 🐟: Any places you like to freelance that aren't the usual suspects? Places you were unsure about going in, but then had a good experience based on the projects/people/atmosphere?

Are there any LA brands/agencies who would consider a candidate that’s not in LA... aka work from home (same time zone though)? 🤔

Anyone from MediaCom on here?

It took the horrific and completely inexcusable death of George Floyd to move the racism issue to the forefront. And while it’s a crime of a much lesser degree, with different circumstances, what’s it going to take to get ageism properly addressed? Intelligent thoughts/debate requested only please.

What are the rules for OT?? Can you get OT on a salary or is there a cut off or does it vary by company? Curious because two friends make the same amount at different places but only one can get OT.

Has anyone received a job offer after being initially ghosted by recruiter? How long did you not hear from them? Feeling down after not hearing anything for 2 weeks after a round of seemingly promising interviews.

What’s something a guy has said in a meeting you could never pull off as a woman? I’ll go. One time a guy creative was presenting his work and said “yeah this was just me being lazy and not wanting to do any work” and he literally suggested we do the same ads as last year, with a different celebrity plugged in. CDs in the meeting laughed and considered it for a minute. If I had presented that and said I was being lazy, I would prob be put on the chopping block.

What are the best brands with work life balance? Want to leave agency and work life balance is super important, thank u!!

What, exactly, are these Archive global creative "rankings" based on? I see people posting/humbled-and-honored'ing on LinkedIn and feel like posting that I'm the #17 CD/AD/Freelancer as ranked by both Better Homes & Gardens AND Cat Fancy Magazines.

Pros and cons of working on an auto brand?

What was your most amazing day in advertising?