Do you guys diversify your portfolio internationally (developed markets, emerging markets, etc)? Which funds/ETFs/etc and how much of your portfolio?

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

Any recommendations on a good side hustle or part time job? Trying to buy a house (yes I know the economy sucks right now) and it’s been tough saving with a SW salary.

Best stock plays right now?

Thoughts on SCHD for Roth IRA. Currently have FBGRX and thinking to add SCHD. Will it be a good diversification?

Anyone have a good (and not exorbitantly expensive) accountant? My taxes have gotten more complicated than TurboTax and I can handle this year

Any one doing home mortgage with First Republic? Do they have conditions like rollover old 401ks with them?

You will attain more happiness, freedom and feel wealthier by controlling your desires more so than your income. When you learn how to be satisfied, you will attain a more true wealth.

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

Anybody else still procrastinating on their tax prep? My accountant sends polite reminder emails, but combing through my credit card statements to tally expenses is overwhelming. Help.

I don’t have Wi-Fi on my name it’s on my husband name .. he works in different form .Can I reimburse my wife bills ??

Guys Urgent query.I joined CTS on Nov 2.When is medi Assist activated? Having a medical emergency for my father to do bye pass surgery.Should I wait for the medi Assist or proceed to do with my own money? Estimated Cost -3 Lakhs+. Operation to be done in the next 1 week

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

Working on buying a home. Got great rates with a lender. While signing, noticed that I was marked as a Permanent Resident Alien. I'm on H1B.

If I tell my lender that I'm a non-Permanent Resident Alien, would there be any issues vis a vis rates? or actual approval?

I have 3 more years left on my visa and I have very good credit history over the past 6 years

Looking to invest in either Moderna or Pfizer. Any thoughts on which one I should choose?

Best way to answer “why do you want to join private credit” or “why do you want to join private debt”. I have a general sense of why I want to but can’t really put my thoughts into words. Any insight would be helpful. Thanks.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

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.

Does anyone do an HSA instead of PPO? If so, do you like it? Do you have any regrets?

Does anyone know the down payment requirements for a Jumbo loan?

USI Producer Job, how is it? Currently an Account Manager and looking at this opportunity. Also, really any advice from service to a sales transition is much appreciated!

Any book recommendations that are must reads/made a significant impact on you?

What's the average salary of an Engr II - Software Development with 2.5 YOE (lateral)? I know I'm being paid good but I just want to know if there are better packages being offered.

Does anyone like ID work? Currently doing work at a PI/Medmal plaintiffs firm while in school and trying to figure out where I’ll be happiest post-grad. I LOVE it, but don’t know if ID will provide more security. For context, I had a, albeit, short career prior to law school and will 30 when I graduate in May. Comp and WLB are important given my later start.

Does Parthenon Software Strategy group only exist in the US and UK offices?

Just got a new job! How long until I can update my linkedin? I’ve heard you should wait until you’re two weeks into the job - is that accurate?

Hello Fishes,
I got an opportunity from NTT Data BPO.
I am currently being hired for nightshift. Are there any chances for getting day shift or mid shift?
Or are there any chances to get a change in shift after getting on boarded?
Will it be okay to discuss this with HR?
Because during interview I said yes to Night Shifts.

Fellow desi fishes, how do you all deal with loneliness? I don’t really have many friends where I live. Every weekend, I can’t help but feel alone and lonely

Hi guys,

I have 4.8 years in Automation testing and looking for job change.
Please let me know if any jobs.


Thanks much

Can anyone help me knowing work culture and type of work in CAPS team in @Evalueserve.

Thoughts on Deloitte’s M&A Human Capital practice? Thought on Strategy& organization strategy? Should I expect case studies fir Strategy&? Any tips would be helpful.

Would like some opinions about how likely it is to make product analytics self serve by PMs? Anybody have success here? Or is it hopeless to think that product managers can pull their own data, look at their own dashboards, and do basic data tasks themselves?

hi all, Capgemini me notice period kitne din ka hai.

I feel like we talk a lot about ethics in business from a liberal standpoint - but what if that Colorado baker just really didn't want to make a cake for a gay wedding because they don't believe in equal marriage?

Like who gets to decide what’s moral and what’s ethical?

“business advice: open the attachment” -RHONY playing in background

Just now learning about FIRE, mid-thirties and two small kids. Where do I read about FIRing with little kids? Any website recommendations?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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

Anyone have experience buying franchises or opening stores/businesses? Wondering how feasible it is to do this to move out of the rat race if you have the funds

Is the San Francisco Bay Area real estate market overpriced right now? Do you think prices will continue to go up indefinitely? Any chance of it going down? Feeling like buying a home is forever out of my reach.

Always said I wanted to reach FI to take more time to do things I love and spend more time with family. But have 9mo off this year and pretty much just binged watched streaming platforms. Rethinking this whole path.

Can I afford a 300-350k mortgage on 87k salary? I have no debt, would put 10% down

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Anyone investing in index annuities? Can someone explain why this is beneficial?

Has anyone seen data on how certain ETFs perform relative to market cycles and to each other? Does that indicate one should own a mixed basket of ETFs or just one or two broad index ETFs?

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.

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

How much of a nest egg would you expect a couple to collectively need in order to retire at 40 and live relatively comfortable (not lavish)?

Does using a 401k Loan to pay off Credit Card Debt, Student Loans and build an emergency fund make sense? know it takes away from future returns but wanted another opinion or experience from it.

Are we on recession? My portfolio is super down - low cost ETF investor here

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Anyone buy a small apartment building or small strip mall? What has the better ROI — residential or commercial income?

Want to make investments but the market has been going up. Any advice on whether I should wait for a dip or just go in. Newbie here so looking for perspectives

Where to find a financial advisor that won’t try to sell you life insurance? My spouse and I just started stable jobs and want to plan for the future.

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?