For my Raymond James friends--how did you decide between W2 and 1099 channel? What were the main benefits that swayed you to which side? Was it the right move?

Job called to schedule an interview and let me think about it. Decided against it due to daily miles and road construction. I also can not get off for the interview. I’m always covering someone. Sadly, I really wanted that job. Good pay, state benefits. Want to call back so bad and see if they could interview me in 2 weeks. 😢

Ethics Q: my client created fruaduant medical documents in order to try to recover extra benefits from her injury. My thought is to settle her case with insurance company for whatever nominal amount is offered ASAP. However, this might be lower than her case is actually worth despite the the fruad. I would rather end representation as soon as possible. Thoughts? California ethics apply.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Hey 🇬🇧 🐠,
Has anyone ever invested in an EIS or VCT?
It appears to be very tax efficient and was wondering if any had any experience (returns, good fund manager, ...)to share ?

In your opinion which is the best target fund to choose in IRA Roth?

I just joined the bank and was wondering what the deal with the Health Care savings account is. It looks like a flex account rather than an HSA?

Hi All,
One of my friends has recently joined capgemini and has following doubts related to tax proof.
Can we edit the tax declarations in HGS portal every month any day?
Does Capgemini asks for rent agreement along with rent receipts as a part of tax proof submission?
Also which proofs needed for,
80c - elss lic
80d - insurance for senior citizen parents
80ccd1b - nps

What is the *prime* amount of money to bring you happiness?

I have savings of 5 lac INR and want to invest it somewhere. What should I choose?

Is WFH really ever going to end? I see the benefits of in-person at times, but does it really out weigh remote? As an industry we’ve done it almost two years! How likely is it places that are going to tentatively be hybrid actually follow through?

Do we have tax calculator in tcs

Generally curious how many companies offer phone reimbursement? My last gig did not but the current one does. Legally it seems, all employers are required to do so if we use our phone in literally any capacity (video call, slack, teams, emails etc). How prevalent is the issue of not reimbursing phone dues?

What are some good modern/post-pandemic personal finance books you can recommend?

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

Is Gilt a good place to buy a pre-owned vintage Rolex ($3-5K range)?

Anyone else crave lazy days on the weekend but then feel super guilty for not being productive?

Have you ever joined a firm purely based on how many POC would be in your practice area?

What is the best advice you would give to a junior account manager?

People who have cheated in their previous relationships, how did you come to realize the reason behind your behavior? A close friend confided in me that she has cheated in all her previous relationships and struggles to understand the reasoning behind it. She feels a lot of shame and is trying to understand why she does what she does.I have suggested therapy but she is not ready yet. How did you folks arrive at the root cause behind your behavior? Advice? Book suggestions that I can pass along?

Has this ever happened to you that each time you meet your bf/gf , there is extreme nervousness from both sides ? It’s a good kind of nervousness (shyness , awkwardness) and almost feels like meeting someone you have known forever for the first time?

Has anyone been through a situation that you were in a terrible relationship ( stress,anger, fights, swears, physical abuse, ego clashes) and how did you resolve it? Some might have worked on and stayed in the relationship and some might have broken up. I am looking for answers from both sides. How did you stay/work on it and how did you break up and move on? Me and my partner have strong feelings for eachother and are almost inseparable despite going through so much.

Guys i am switching jobs for first time so need your help
Company x offered me 9 LPA
Company y offered 11 LPA

I want to join company x more due to their tech stack, culture etc. It's also an established product based company while y is service based.
How do I initiate negotiations with x? I have plenty of time left in notice, but x also requested to join early (if previous company releases, with buyout+bonus) for which I have discussions next Wednesday.

How many years do I need to be at Deloitte to be eligible for GSAP?

Hi IBMers
What is role of a senior advisory consultant. Is it similar to solution architect

How can I get super cheap flights to Paris from NYC? Any tips for cheaper flights in general?

What's the notice period in OSSI?? I can not find it on offer

Anyone's GSB Portal who doesn't have the Waitlist Tab now? Maybe a botched update? Hearing people in a few different stages of their application with the tab? It has a View Decision button, which just says no decision when picked. If everyone has it, probably a botched update!

Anyone know anything about Facebook Chicago? Good place to be?

In my notice period in TCS decided to hunt for interview in other company after one month, within 3 months i should able to get any offer letter from companies.m I doing the right thing,any openings please let me know guys.

Can some of you experienced folk recommend some good books for rookies? What are your favorites for investment strategies, marketing, selling, etc.?

Anyone here in Santa Barbara CA?

Hi All, what’s your perspective on the CFP? I’m looking to enter into Private Banking and I think it would help.

Also, for those who recently took the CFP. What material did you use to study?

Long drive tomorrow. Does anyone know of any on demand CFP continue education courses out there? I’d love to knock out 15 hrs of CE on this drive, if able. 🤦‍♂️🔫🤢

CFP thinking of taking a few month career break to search for a new position. Need a recharge and to reevaluate, not to mention time to search. Would this be a mistake? Thanks

Best books to give to new young client who genuinely wants to grow and develop his interest & understanding of finance, doesn’t want to be bored, & cares about his investment accounts?

Best books you read this year that aren’t about sales, marketing or prospecting?

Has anyone partnered with SOFA, society of financial awareness a non profit. Gets advisors in the door at companies for purely education.?

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

Words to say, questions to ask, things to do when a client who moved their money to year exactly one year ago, blind sides you with ACATS out after you’ve made 13.7% because he is conservative? GO!

Is anyone here a CKA as part of the Kingdom Advisors? Any thoughts? How many leads do you typically receive per month? Is it worth the cost?

For all those that have taken on a trainee to team up: what do you think is a fair split?

Is the use of "kind of and "sort of overused public speaking? I have been working with colleagues who use this terminology all of the time and it's rubbing off on me. Precision is lost.

Client wants to buy individual stocks for his portfolio. Don’t care to manage unfettered stocks from clients that we catch blame when underperforming. What is your response to this client?

Does anyone think there is long-term viability in Cryptos?

How do you get comfortable eating alone at a restaurant?

Anyone with US Trust as a PCA? Looking for additional details in terms of the culture, day to day type of things and how you’re doing there vs. what the recruiter stated was the average?

Anyone know a good resource or lawyer for legal advice regarding securities license issues?

Haha Merrill just reduced the pc payout grid by 3% for advisor below $2m in production

What types of insurance do you believe are important for a financial plan, and why? (disability, ltc, etc)