Hi All,

First generation immigrant looking for advice. I’m 28, trying to increase my net worth and become more fiscally responsible.

1. I’m making contributions to my 401k, maxed out my Roth IRA and HSA but am struggling with what my portfolio should look like - I don’t have anyone to guide or point me in the right direction and would appreciate some guidance on this.

2. I had 170k in savings with BofA - transferred some of it to a HYSA (Marcus) and purchased 10k ibond. (cont in comment.)

Will be getting my citizenship soon and want to sponsor my parents to the US. What is the best option to get them health insurance besides paying traveler’s insurance? Traveler’s insurance I pay now when they visit is around $300 per person. Will they qualify as my dependents or be eligible for Medicare if they haven’t lived in the US before?

Anyone here know anything about Unify Consulting? They reached about looking for senior roles to build their National Healthcare and Life Science vertical.

What perks and benefits does the senior management (L7+) get in Accenture AI?
Also how much VP is awarded at L7+ levels?

I have received an offer and want to make a decision if i should be here for the long haul

I have a Rollover and SEP IRA alongside my current 401k.

My Roth account has the lowest balance because historically I've taken the tax deduction for pre tax contributions to the SEP and Rollover.

I understand if I contribute the money to Rollover and then backdoor to Roth, I will pay tax pro-rata based on the contribution percentage of total Rollover/SEP account balance (majority tax on funds that have grown).

Q: Can I open another traditional IRA solely for the purpose of the backdoor?

What are the long term benefits of an HSA? Reconsidering having one given that I have not had many health expenses over the last year.

How much do you usually contribute to 401k and Roth?

Any advice? I’m working in healthcare in aesthetics and have been asked to sign a non-compete contract. Wondering if anyone is familiar with this and if it holds up.

Hi all,
I’m keen to explore opportunities outside lab in healthcare/life sciences as either~> Market Research Analyst,~> Business Development Manager,~> Management Consulting,~> Product Manager
I have a PhD degree in Neuroscience (4+ years of experience managing multiple projects simultaneously, with 5 first author publications, 600+ surgeries on mouse brain studying brain injury and link to Epilepsy) 1+ industry exp as Scientist.Need some references or links who can help me connect to companies

Why is it that most people recommend to max Roth IRA before Roth 401(k) (beyond the match)? Since expense ratios in a 401(k) are so low I would think Roth IRA should only come after $19,500 is in 401k

Hello, any insight on Change Healthcare? In particular for a full time PAR remote position. What is the company like? Are you happy there? What challenges have you encountered? Do you feel the compensation is adequate? Any information would be nice, thank you!

Hi I'm a certified professional coder with experience in regulatory and medical policy review and writing specs to build claims adjudication engines. I have working as s business analyst for a year and the role is too technical. I was hired for healthcare background but thrown into backend. I am looking for a new job on policy side or even functional BA. Any leads or advice you can give?

Looking for an experienced Account Director with healthcare agency experience

I need some serious help!
My dream company just gave me an offer of 8k less than current. I have another offer of 5k more at a company in Philly with killer benefits and training is great. My SO got an offer for 5k less here and 6k more in Philly. She feels the same about both.
What would you do? All offers are best and final

Anyone know how well Deloitte's life science and healthcare practice is doing and what type of projects they work on?

Been in healthcare consulting for a little under 3 years now out of college and the consulting life is just not for me. Looking for something with more WLB and ultimately would like to be on the other side of things, working for a large healthcare system. I’m lost in terms of where to start. What positions have people transitioned to from consulting?

Current contract - amazing company that has been vocal about bringing me on when approved but no promises. Contract is $60/hr. I negotiated high due to paying private health ins at high $. I was offered a role at a different company for $105K with a $5K sign on and additional benefits. I expressed my need for a $115K base in our original conversation. Anything less than 115K is a paycut from current $ and if I was offered FTE at current contract. Thoughts on negotiating? I dont want to be greedy

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

I used to claim 2k every month for WIFI in TCS for 4 months under straight through employee referral and it by passed my supervisors approval too but a mail used to go to supervisor.
He questioned me a lot after 4 months as if he is paying 2k from his own pocket and I stopped.
Worst policy here. 410 wifi reimbursement we get in TCS lol that gets added into our salary every month.
A normal phone recharge costs more than that and TCS still stuck in its cheap mentality of cost saving.

What’s the reason Salesforce is so successful but not other similar platforms like Microsoft Dynamics? What sets Salesforce apart from competitors?

Really hope this doesn't become another WSO 🙄

Hi fam! Any recommendations for guided Grand Canyon tours for parents visiting?

The last week of FY18 🤔

Has anyone exited commercial banking into sales/tech/corp dev/other? I have 5 years in global sales and marketing at a major airline + 2 years as a senior commercial banker (fell back on MBA network in 2020 when covid got real). Current base is 105k + 30% bonus. Starting to think about the next move and would like to leverage the experience from both worlds instead of climbing the ladder in commercial banking. Appreciate any thoughts.

Can we carry our laptop outside India? PwC AC Bangalore

Hi Fishes,

lam about to join a new org in a few days and they have planned a travel to Europe for me to get Technical KT. But the thing is they said only for 2 weeks. They are going to file a business visa(l can stay up to 90 days). I want to spend some more time there( atleast 2 months). How I can convince them to increase this duration?
Since I will be new there l'm not sure what to say. Only thing I know at this time is, the project is a bit complex and all developers are outside India.

I just took over a team of three very anxious people. They are all very valuable to the company, but I also care about them as people. Does anyone have any coaching program recommendations for me to take to help my employees overcome their anxiety?

After how many job switches do people usually settle down? And will there be any problem with future opportunities if we switch every 2 to 3 years?

Hello fishes, need quick info:
I recently cleared all rounds and completed with Hr discussion. After how many days can I expect the offer letter?
Also since all rounds are cleared - can I be assured that offer letter is on the way?
Would appreciate your views. Thanks.

Hey guys — I want to invest in crypto (yes, very late) but not sure what platform to use. I work at a bank so want to be conscious of compliance issues too, if any. What’s best right now? Robinhood? Coinbase? Thanks in advance!

What's the salary for a junior associate in the Karachi office for McKinsey? I have an interview coming up and assuming everything goes well was curious if they would be open to offering an expat package.

Is MJZ a union shop?

Anyone here decided to PGT-A their already frozen embryos? (Thaw/refreeze)

Does anyone have any places in ATL for a 25YOE BM to frequent? I just moved here from Florida

Thoughts on the grand jury decision?

When do you all plan on getting the COVID vaccine?

Any dermatologist recommendations in the NJ/NYC area? Preferably someone black or who has worked with darker complexions

For those who prefer or would like to date other Black people... how do you do it while consulting? With all the travel and usually being the only one in the room at work, my wknds have gotten lonely.

So I was listening to The Read podcast on the whole Gabby Union thing n they said “they don’t want us to be blk, they want us to just be present and quiet so they can say they hire blk ppl”. Truthhhhh

Hey Fam- I’m working on a photography project to highlight Black founders and VC. I’m based in the tri-state area (PA/NY/NJ) and doing portraiture photo shoots through 11/30. Please DM me if you’re interested.

Fellas with beards, what products are you using to keep your beard from frizzing up? I’m using an oil and leave in but it’s not working

To discuss: What is the harm in “burning a bridge” with someone / organizations that clearly don’t respect you or care about you? What are you afraid of by speaking honestly?

I have this client who recently hired a BW to work with her. For context, I am the token black female on my team. Since she started she has dressed inappropriately for virtual meetings..cont.

I love y'all. In case y'all needed a casual reminder that you matter even if your workplace doesn't reflect that.

Good brunch spots in San Fran/Oakland area?

What level manager is a senior consultant when in industry?

Any Creole speakers here? Where from?