Difference between Variable Life vs Variable Universal Life?

First time investor in the US. Any suggestions on books / blogs to read to get smart. Where do people typically invest given all the client related policies in place for consulting firms?

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

Monday Wordle :

Wordle 401 5/6

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Is there an app where I can see all the list of credit cards and the balance I owe, where the app doesn’t force me to enter bank log in details like mint

Anybody have experience with PenFed for a VA loan? Came up in a search and their rates are extremely competitive. Any reason I shouldn't take the lowest bidder?

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

My Last working date at Wipro is 12th of june 2022, So How tax will be calculated for the financial year 2022-2023. My CTC is 8.4L
I will be working only 3 months for this financial year and in April month payslip i can see 6K deducted for tax and in the IT projection it shows around 30k tax deduction gonna happen. I will be joining another Firm in same june month
Please share how tax is calculated in my case and how to save taxes.

Watch out for $SDGR - Bill Gates backed recent IPO- potential next meme stock . No options yet.

Other than a Tesla, what make and model has the best acceleration per dollar?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Which bank account is better for salary account?

HDFC
Axis

Upload button in etax is not working for me. I am not able to upload any tax proofs because of the same. Anyone else facing the same issue?

How many of y'all have trust funds? What'd you do with the $$$?

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Anyone here with a negative net worth (excluding 401k) in their 30s? Or am I an outlier?

Does anyone have any good mortgage broker recommendations that will help find a way to not pay PMI?

Started my grad job in consulting and keen on getting a credit card - any advice?

Do you find your job intellectually challenging?

“Absolutely no rush on this today—just send it by 6am tomorrow!”

How do you collect data on classrooms?

Deloitte 🐠🐟 in the DC area, which health plan do you recommend? I'm with Kaiser and it was a huge mistake. I'm looking to switch for 2020!

Do you all sometimes feel overwhelmed by all the self care tips you see online. Gua sha, sleeping mask, satin pillowcase, this body wash, that scrub, dermaplaning. I don’t know what I should do vs. what not. 😰 and I feel like if I don’t do it, I’m not taking care of myself and not going to look good a few years later. 😓

At what age did you stop comparing yourself to others and became comfortable with your own path? I can’t stop comparing myself to others who come from more wealth, have more wealth, and are better looking than me. Also have a history of self loathing which doesn’t help.

Feeling stuck — Amazon finally got back to me and moving to loop interviews. However, already sitting on two offers and wondering if I should take the gamble and lose the birds in hand for this one in the bush.

Hi Folks, I'm looking for supply chain consulting role in UK. Preferably in digital transformation.

I'll need a visa sponsorship

Anyone waiting for Offer letter.... After receiving offer Proposal and accepting the same...

Let's connect and discuss...

What is the minimum and maximum expected time.. ?

Hey fishes...

With around 10 years of experience I have offers from VMWARE and CISCO (AppDynamics product).

Cisco is giving me 4L lesser in total CTC.

Which one should i choose?

Looking for job opportunity in Poltury or Aquaculture for kolkata West Bengal

Looking for guidance. I’ve been passively applying to Director roles since January, and actively for 2 weeks now. I’ve gotten one call for a position I didn’t apply to and no other response. Is there something I should be doing to get more traction?

For context, I was hired as a site GM. Then 8 months later made a regional. In January I was placed in a Director capacity pending position approval. The position has been postponed a year tentatively but I’ve been asked to continue in unofficial

can we change our team to different team in PwC. Company achi hai par kaam team mei bahut zada hectic hai yaar. health ki to lag gayi

Any insight on DLA Piper’s energy practice in the Northeast? Specifically, renewables.

Any thoughts on Latham’s IP Litigation practice in the Bay Area?

What is the pay range for a 1st year SC at Deloitte HQ with a non-MBA Grad degree and 3.5 years of experience, 1yr of managerial exp?

How’s everyone doing? The lack of sex really put me into a depressed state.

Let me know who here has dealt with impaired risk . Working with a 74 year old male non smoker who had a coronary bipass 11 years ago, may have some renal issues and is afraid to do a stress test. Any ideas or experience with something like this?Any carrier suggestions?

Anyone have life insurance marketing ideas that has worked for them? (E.g. direct mail, events, groups, etc.)

I almost had a policy I wrote replaced by basically the same coverage but at a higher premium because the other agent grossly misrepresented their product. Feels good to cause a scammer to get a CB.

Anyone know of a good IMO/FMO with a good range of disability carriers? Most I see is two, tops!

I love the satisfaction of helping clients to obtain life insurance protection who had Cancer or Coronary or other medical history who thought there chances of obtaining coverage were slim to none. :)

Anyone else consistently recommend whole life instead of a variable or universal life for those who want permanent policies? Why do you choose one over the other?

How many policies a month do you sell?

Looking to connect with people in the NQDC or COLI/BOLI space.

Which one of your firm’s permanent life insurance products would you buy, and why, assuming you got a good health rating ?

Adderoll = terrible health rating.! Anyone have luck getting an adderoll-taker insured with Select Rating or better?

How are acquiring new clients

Can diabetics get long term care?

How do you create urgency to get them to buy the policy NOW!!!!!?

Can anyone recommend a carrier that will write beyond the age of 85? Thank you !

Does anyone know of a resource to compare the different career agent contracts with the large mutual insurers?

How do you help client's figure out how much life insurance is the right amount?

I’m getting leads from my business bankers for their business owners/lending clients. How can I break in with these customers and start making big insurance sales? Cont...

How do you get somebody to want to buy life insurance right now instead of waiting?!?

Hi I am wondering how long it would take to get established in the life insurance field just starting out. I am 28 working as a case manager for a government agency. Im currently making 91,000 and expecting another increase next January. Would I be able to replicate the same earnings in my first year? What is everyones thoughts?