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

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

Looking into credit card, most likely between emirates nbd Bonvoy card or the Emirates offering. Anything better out there? What has been your experience. My understanding is you can convert the emirates points to Bonvoy? Not sure if the same works Bonvoy —> emirates.

As much as I talk about wanting a man to take care of me financially, I have way too much pride to allow it when it actually happens

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

What happens to your shares if you are partially, or not even 1 yr vested at a pre-IPO company and the company goes public? When you continue on your vesting schedule, what price do you purchase your vested shares at?

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

Any investors have insights into what you look for investing in a social media platform? Is this something you do or do not have interest in/why?

Background is development of a social media platform looking for a $100k investment to get off the ground in a great market with tons of opportunity and proof of concept.

What platform do you use to buy Bitcoin and Ethereum? I need to move off of Robinhood and am looking for a platform with low transaction fees for buying as I DCA and occasion sell each year to step up my basis.

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

What’s a good budget for rent if I’m making 138k + 14k sign on in NYC? I’ve got like 10k in student loans and about 5k in credit cards. No other obligations.

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

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.

I am curious how Onesource Income tax stacks up against it's competition.

Who wants to start earning money online?

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

planning to sell my 2 BHK flat in Rahatani , near kokane chowk..if anyone interested ping me so can share the details. Thanks!

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Joining this group because I sincerely believe a classroom should be full of wonder in all forms. Let's talk.

To everyone that’s been laid off I just want y’all to know that I’m with you. That is why I’m doing the bare minimum until it’s my time to go.

Just completed my last shift in the ICU. I'm glad to be shifting back to the Maternatity ward. It was exhausting, and emotionally draining working with such sick patients. I know the work we did made a big difference, but I'm glad to go back to my favorite role!

It's March, and I have done a lot of seminars in Jan and Feb. I've gotten a few clients but would like to increase AUM drastically! Any books, sites or advice on what I can do for marketing?

What is everyone's current positions going to the weekend?
Here are mine:
$BA 110p 4/9
$SPY 220p 4/20

Hi Fishes,

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Guys EY Mandatory learning course answer key anyone.!!??
If someone will provide genuine and positive answer, I can tell course name in comment.

What does QRMTE - expectations not met signify? How does it affect?

Peter Dinklage breathed fire for Doritos. Targaryen confirmed

I feel like when I’m busy with work, I don’t even want to reply to attractive guys. Is this normal?

Can any one tell me, how to invest in quant mutual fund through it's website?

🚀How much salary range for VP - K grade in bnym ( Bank of New York Mellon) technology department? Skills - Java microservices Expr - 13+ yr

@bny Mellon technology

Does anyone have a spare bunny day lamp and bed recipe??? That's all I'm missing :( I have an extra wardrobe!!!

I have an offer to join a startup as an APM. The only downside is that the engineering team is located offshore in India. I’m concerned about the resulting impact because of 1) the potential late night calls 2) the learning opportunities missed by not working with a US engineering team (communication tactics, translatable skills) 3) potential exit opps into FAANG pm roles due to not having experience with an onshore eng team. Would any one be able to speak to this from experience or share advice

As an auditor, do we need to worry about whether signatures are legit? Like if clients mark their initials in pdfs using simple text box, can I accept that or am I supposed to get an email approval

Where can I see the reviews post manager discussion?

Every other week I host an Advisor meeting for the advisors in my branch. I like to mix up the topics. What topics would you suggest or have been valuable to as you have attended similar meetings?

Anyone have any productivity tips/hacks they would suggest for an associate? I could use all the help I can get.

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Clients I found = 99% retention, assumed/ adopted clients = 75%. True?

So the fiduciary rule got tossed yesterday

How to politely reject a job offer after going through interview process? I don't want to burn bridges but I got the position I wanted elsewhere. Thoughts?

It's March, and I have done a lot of seminars in Jan and Feb. I've gotten a few clients but would like to increase AUM drastically! Any books, sites or advice on what I can do for marketing?

Really curious, what percentage of your clientele is friends/family?

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

Anyone think that they've become more materialistic in this industry?

What are your tips and tricks to have a great career in FA? What are the things you do that make you super productive and smarter everyday?

Best music/audio to listen to while working?

Have a presentation in front of a large group tomorrow and it's giving me anxiety. Will taking a Xanax help?

CFP study programs:

I'm a little confused on Danko - does he offer a self-study option for the coursework requirement? On his website it looks like each module has a 4-day virtual class which I wouldn't be able to attend due to working full time. Does this program also include self-study material, and the classes are just supplementary/optional? I was also looking at Dalton for self-study and Danko for test prep. Thoughts?

TIA

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

How do you get comfortable eating alone at a restaurant?

Looking to grow my practice by acquisition I am CFP,CPA,MBA located in Central PA. Please let me know if you are interested in talking about your succession plan. Thanks!!

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

Colleagues, I'm an experienced Relationship Banker looking to start a career as a FA. PLEASE, reply if you are part or you know any local RIAs hiring entry-level individuals in NY. Thanks!!!

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?