Hello Folks,
I recently changed a job and my new employer do not match 401k contributions. Therefore, I was planning to keep my existing 401k with the previous employer for the time being and open a new IRA account.

Is this a good idea?

Which is a good company to open an IRA with? I was thinking of going with Fidelity Go service.

TIA

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Looking for a new HR opportunity in the Madison, WI area, or remote work. Any leads out there? 19 years experience, SHRM-SCP certified. Tons of employee relations, talent development, benefits, payroll, experience! Still growing in comp administration, and enjoying aligning people strategies to organizational goals and objectives.

Looking at re-financing my mortgage with 2 lenders and need some advice please!

Currently sitting at 3.625% on a $512,000 home loan that now sits at about $490,000.

Lender 1: loan for ~$490,000, paying down for a few points to 2.875% (apr 3.034%); cash to close $12,344, monthly payments reduced by ~$300
Lender 2: loan for $510,000 (bundling in some closing costs), paying for points to 2.99% (apr 3.278%); cash to close $7,315, monthly payments also reduced by ~$300

Which option is better??

Guggenheim healthcare reputation?

Does anyone here work in the Middle East? I am seeking opportunities in the healthcare consulting space and would appreciate any leads.

Hey all, started my role as a recruiter at an agency recently and had my first placement! It was great until the candidate wants to renegotiate the base and benefits after the current company counter-offered when the candidate no longer sees the future. Any tips on what to say to bring back to focus? The current role is a Sr. Acct Receivable (less than 2yr) and going into collections specialist at a global law firm.

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

AITA: My friend keeps asking me for financial advice. I set up a budget for her and have her concrete advice. And I field all of her investing questions. But still, she continues to be reckless with her money. She’s 42, single (no kids), and making $100k+ and is still living check to check.

I don’t want to waste my breathe on helping her since nothing seems to be getting through to her. AITA?

Hi Fishes !
What are your thoughts about investing in reliance power for long term !
I'm a newbie in stocks .
Any suggestion will be appreciated !

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

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

I recently got an offer from Infosys. Just want to check if my cap my pf to 1800 + 1800 ? To the most minimum one

Up 75% on UVXY puts expiring 7/26...sell or is it going to continue to go down?

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

Looking for a lawyer for get prenup done. Any recommendations will be helpful

Sold all of my holdings yesterday. Don’t see this bull market holding for another week. What are other fishes doing?

Anyone got a good tax person in the bay area?

Hi Googlers, are there any advantages to using a pixel phone at Google i.e better enterprise integration, internal apps, etc.? Planning to switch to Android from iOS.

Thanks!
Soon to be Noogler

Interested in becoming a Google cloud product manager. Here are my observations on the experience you will need to be considered.

Here are my observations about the skills and experiences that PMs have and how people are joining that group.

They are all technical. All of them could easily be very technical cloud consultants or cloud engineers.
Tl/Dr. If you couldn't get hired as a cloud engineer or cloud consultant - you probably can't become a PM

I have my second round PgM interview coming up. Would appreciate if you could please share some resources for interview preparation! TIA

Is there a specific law that allows landlords to put a restriction on the number of days am overnight guest can stay? I have been researching for hours and can't find any case law or statue. Help! (In Texas)

Any good books to help get you up to speed on real estate finance matters?

What are the top firms for RE in Seattle?

Do you buy insurance when travelling to US for fun? Moved to Europe recently and this will be my first time back in US without employer health insurance - should I buy travel insurance? Where from? Thanks!

Hey fishes,

Anyone recently joined LTI as senior data engineer P2?

Man, i need to talk you, plz respond

Need referral for Qa Manager profile. Having 16+ years of exp

Hi,
I'm an immediate joiner. I have 3+ yrs experience in AWS, python, docker technologies. Please let me know if there are any open positions or any other leads for AWS Developer. (I haven't been getting any calls from naukri and other job portals.)

What is the retention policy in Synechron.?

I am interested in creating a supper club in Los Angeles where people can meet and interact through food- do you think it could be of any interest?

How much % hike do TCS normally give on 1st anniversary of lateral employee?
5 YOE at which I'm joining TCS.

How do you approach annual salary increase conversations with managers? How do you decide what is a reasonable figure to ask for? Looking for broad responses based on your experience in these conversations. Base is about 90k now (1 year of experience).

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Any good ETFs to invest Roth into?

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

Thoughts on Lockheed? Dropped lower than it's been in a while. Think it's a good time to buy?

I have about $45k in a CD that just matured. I’m thinking about placing it probably in index or mutual funds but have only basic finance knowledge and am not sure about which or how to split. Advice??

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

Mint users: why are my linked accounts broken every time I log into mint? Every one, every time

Looking at re-financing my mortgage with 2 lenders and need some advice please!

Currently sitting at 3.625% on a $512,000 home loan that now sits at about $490,000.

Lender 1: loan for ~$490,000, paying down for a few points to 2.875% (apr 3.034%); cash to close $12,344, monthly payments reduced by ~$300
Lender 2: loan for $510,000 (bundling in some closing costs), paying for points to 2.99% (apr 3.278%); cash to close $7,315, monthly payments also reduced by ~$300

Which option is better??

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

Need some advice. Currently 32 YO with $23.7k in student loans, $60k in retirement, and $54k in cash. Want to pay off loans by end of year, max out 401k, and save for a house. Does it make sense to use $10k from pension to pay down loans and the rest from cash? How much should I have in my 401k by this point?

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

Futures are crashing....with the fed slashing rates, I thought that would have the opposite outcome? I don’t fully understand the impact of that but I thought the market would be positive to that.

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity