Has anyone had success using an Insurance Broker? If so, accepting recommendations. I have two homes, one car, and one umbrella policy. Prices shot up recently and my current provider is refusing to lower premiums despite evidence of cheaper premiums in the market. TIA!

Hi! I’m doing some research on employee benefits (medical insurance, 401k, HSA/FSA, commuter benefits) and was hoping to connect with People specialists or HR professionals in the comp & benefits space. I’m trying to better understand any pain points or challenges you might face with utilization/enrollment. Anyone interested in connecting? Thank you!

Looking to pivot into healthcare consulting. I come from a MHA background with a two year Administrative Fellowship following it. Any experience breaking into one of the top consulting firms with this type of background?

Maxed out Roth IRA contributions when I wasn't eligible for 2021 (got a salary bump mid year). Do I need to recharacterize? It's a very small account that's been open for only two years. That's the only IRA account I own. Do I need to open a traditional IRA and roll over 6k + realized gains into that account and keep the Roth IRA. So confused how this works and got conflicting information from Merrill.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Anybody know any good financial advisors? My husband and I are broke btw 😂😂😂

December 31, 3018
Bitcoin: 30,000
Ethereum: 2500
Litecoin: 1000
Bitcoin Cash: 12,000
Ripple: 12
Cardano: 7
Neo: 500
Eos: 120
Dash: 3000

I have an offer from PWC India and a top Indian insurance company. How do I choose which is better?@

Taking a gamble here. 25 OXY $16Cs for 4/9 and 25 OXY $17Cs for 4/9. $0.20 and $0.08 respectively. Very high risk but have gains on other OXY trade that I don’t mind risking on this.

Is now a good time to buy a house?

I'm new to all this. Is it best to save 10% of my salary all in my company's 401k (with 20% match, increasing by 5% every year)... or saving 5% in 401k and 5% in a Roth IRA?

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

Building out private investment platform for a growing company. Where can I find example docs of allocation policies, expense policies, etc. in order to create my own? Are there any good resources?

Thoughts on SoFi bank?

We are hiring-healthcare consulting managers at RSM.

Why do recruiters never tell you which agency they want to talk to you about until they get you on the phone? I don’t want to waste anyone’s time and it would be helpful to know this info from the initial outreach. My experience with this only applies to healthcare, but would imagine it’s the same in consumer as well. Anyone?

Folks from EY, what are the implications of investing in India, be it Mutual Funds or direct stock? I’m worries about the independence restrictions in India, holding off due to that

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

I’m clueless about 401ks. If I go to a new job does all that money I put into my 401k transfer with me? I’ve heard both yes and no so I am confused

28 year old with ~125k in cash/brokerage. Have been wanting to begin purchasing rentals but anxious to use a good bit of my liquid savings. Thoughts on biting the bullet vs. investing in stocks. In Houston if that is a factor

Genuine question: does any consulting firm in Canada have a life sciences practice? Or is it mostly public health practice? What kind of projects do you do for life sciences clients? Thanks!

Hi there!
I completed the last round of an interview (presentation) last week. Originally they said they would be calling my references & then make an offer accordingly.
Today they updated that they'd like me to travel to their HQ (based in Nordics & I'm in London) for the final round where I'd meet the CEO, the hiring manager and a couple of people in the team.
I don't think I'm the only one in the process - even though initially the last round was the presentation.
What are your thoughts?

732 applications the last 11 months that doesn’t include since the start of the pandemic looking for work. Out of that only 117 have been viewed that’s 6% viewed! the hiring process is completely broken, human resources, managers, and hiring managers are not capable! The same jobs open for 2 1/2 yrs reposting salaries after interviewing 100 then cutting the salary by up to $50k They say can’t find people but they fire you in 90 days when your working 80 hours a week or people are walking!

Is fruit really bad for you? I’m having a hard time with the concept of no fruit while on Keto. If I introduced fruit back into my diet, does that defeat the purpose of Keto?

Hey everyone,
I have a BSc degree from a semi-target university in the United Kingdom, and I currently have around 2 years of strategy consultancy experience at a Big 4 in one of Africa's most competitive economies. I'm looking to step into consulting in Dubai/ Abu Dhabi (MBB, Tier 2, boutiques, etc.).
Any referrals?
Thanks

Hiya!

I'm looking at applying to MBB (Preferably BCG) for a summer internship this summer. I'm a first-gen Oxbridge student, and while I have little experience in consulting along the lines of MBB, I did work in the city last summer as an sustainability consultant.

I'm curious how important it is to have a referral etc and what you'd recommend for applications opening in jan. Any advice is super appreciated I don't have any connections to the industry but it's something im interested in. 

I already have the SHRM-SCP. . would it be a value add to go for the SPHR as well?

where my gay ladies at 🙋‍♀️

Hello all,
How to apply for onsite jobs. Tried LinkedIn but didn't get any call. From India how to get opportunity for work in another country. Please suggest. Skill - ETL, SQL 7 yrs experience

This is my first holiday season in Charlotte, is the tree lighting festival worth attending? Does anyone know what to expect?

How much salary can a mainframe developer ask for with 12+ years of experience and for Hyd location

Hi everyone. Is it typical for the attorney to take credit for the work a paralegal does? An example: I gave some ideas about deposition questions and some observations I made (I was asked about giving suggestions) regarding a witness and the attorney mentioned that he’s the one that had these great questions/observations. Zero credit or thank you for the work I did.

Thinking of getting a GS sbga413 spring series - thoughts on it for a guy? I love the pink but is it more of a womens watch?

Aqua terra or datejust 41? I know v different watches but just wanted to get the group think on this

"She's like 30, but doesn't look super old"

I just came home sobbing because I got too drunk at my female best friends house and her husbands male friend tried to take advantage of me when we were left alone in a hot tub. My boyfriend didn’t ask if I was okay but instead screamed at me, threw things and left the house. Dumping him is the only logical answer?? Am I crazy?

Proof, in house for Beam Suntory (Jim Beam, Makers Mark, more) is hiring for an Account Director and an Account Supervisor.

DM me if you want the JD, and contact info.

I am considering putting down an offer for a TH in a community that has Mello Roos. It gets added to the property tax. I am looking at paying an additional 5-6k for that.

Online videos say it’s all good because the money gets invested in building the community .

any potential downsides? In terms of future sales and demand ? What am I missing?

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

Thoughts on buying pre-construction homes in markets that are popping and flipping selling them when construction is complete?

My uncle does this (he’s a realtor) and usually gets 2-3x return. Obviously there is huge risk because property prices can change a lot in 1-2 years, but at the same time the upside is hard to ignore.

Anyway I protect myself against the downside risk? (other than loosing my down payment)

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

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.

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

Any one knows what’s the easiest way to order a radon test for new construction?

What's the best city in UK to buy a buy to let property, with best returns?

Do you thank your tenants for paying the rent? A quick thank you text?

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

At what income level should one be comfortable to spend 2400/mo on rent in HCOL? Assuming single, no kids, no debt or major expenses.

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place