Hi all, I am early in my career in Tech. 23 years old but very concerned with CA rising housing cost. I’m based out in the Walnut Creek area but understand that houses go 2Million+ in the Bay. Thoughts on getting whole life insurance and taking a loan out against around age 35? Thinking I can leverage an aggressive savings approach this way and use the FHA loan. Any ideas? Pros/Cons to this?

Home appraisal came in 30k too low. Seller is an investment group. House was on the market 40 days before offer. What's the chance they sell at appraised value?

New to investing. Please suggest an awesome newsletter to start with. I’m planning to buy a premium subscription of $79 yearly for the Oxford Income Letter. Any suggestions that are better than this newsletter.

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!!

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

How long do you guys think it will take for rental prices to rebound?

Looking for a new apt, and noticed 24 month leases cost more net effective (obviously because prices should increase next year).

Question about solo/self-employed 401ks: If I create a sole-member LLC for a side business and create a solo/self-employed 401k, am I only allowed to make contributions from the earnings earned via the LLC? Or am I allowed to contribute money earned from a different source (ie W-2 job).

FIRE - What is your total net worth so far? What's your profile?

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.

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Friendly reminder folks- don’t work for Havas Health and You. They cut the freelancers hourly rates, again and made it so there’s no OT. The resource manager at HOV said if I couldn’t swing $80 an hour as an HCP copywriter, she’d have to find someone else. Good luck 👍🏻

I’ve been working for my State Farm agency as a team member for 2 years. I am licensed in property and casualty as well as life and health, but only make $13 an hour. I technically can make bonuses but I’m not supposed to dig into a sale and I have to send it to a sales rep (I am service and retention mostly). My boss also has me running a retired agents office until a new one is chosen (its an hour away with no pay increase or mileage pay). Also, no benefits! Should I start job searching?

I have offers from

TCS x lpa
Citiustech x +1 lpa
Legato X + 4 LPA
Wipro X+1 lpa + 2 JB

Tcs is ba in energy domain
Rest all healthcare

Which is the best company overall ?

YOE 10 : As a Product owner / BA / Functional consultant
Domains worked : Workforce Management, Healthcare

Does LTA and phone allowance are processed each month as a taxable income if we do not produce the bills ?

Hi! Does anyone have a recommendation on a realtor? Looking for a condo in DC

If you leave J2 and get another (new) J2, does the first J2 show up on new J2 background check? Assuming these are w2 roles. If so, how do you explain that? 🧐

Meditation has helped me find so many small moments to enjoy and be grateful for every day that I wouldn't have noticed before

For those that made partner (or NEP but where it basically means you’ll be equity eventually), what was your favorite gift you received? Trying to decide what to get a close (work) friend!

A partner emailed you, recognizing your hard work and thanking you (you billed aweful lot of hours this month). Do you respond or not?

Who is this Alexander Barnett guy in Florida? The FL Bar’s disciplinary action against him is beyond wild!

Applied for a pre sales consultant advisory role (Vancouver) Anyone who can provide some feedback or a referral?

Currently 3 years of experience is pre sales within B2B Saas and a CAPM.

Hi Sharks,

Any Azure DevOps engineer in bowl?
Need urgent help.

New planner here looking for advice. If you had to write a creative brief for an HCP strategy in a week with no insight research currently available, how would you go about it?

I’ve been having a super hard time concepting lately, especially knowing that the “concept” will mostly serve as a sticker to slap on the cover of a CVA and the top of a website. I feel like every pharma concept I’ve ever seen or created becomes so cheesy once it appears in tactics. Does anyone have any examples of HCP creative (non-DSA) that is both impactful and translates well into pharma tactics?

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.

Had an intro chat / interview with HH canceled bc of “scheduling conflict”. They said they’d reschedule asap. Haven’t heard from them for 3 days. Should I wait, follow-up or set up another call? Am I reading too much into it?

Do you still write thank you emails after interviews? A lot of the roles I interview for these days are coordinated by recruiters so I don’t see the interviewers emails

PE to HF - harder than it seems?

Looking for job opportunities in Testing manual+ automation. 8+ yoe.

What is expected CTC for lateral hires for PWC AC for the position of guidewire business analyst ? Total YOE-7..5 as BA, 2 as others.

What is the average annual hike range in PwC advisory business unit (ex :Ops consulting) domain for different ratings?

Have been offered Senior Associate position in the same. Thanks in advance.

I have been tagged for this project that doesn’t start until June 10th. My utilization is going to drop significantly but at the same time the deployment team cannot present me elsewhere. Ugh!

Anyone here working in the construction industry, general contractor? I’m looking to relocate here and Would love to connect for some guidance on job search.

Considering inflation and cost of living, is it likely that San Diego employers will have to match salaries that of Bay Area

Welcome everyone! Where is everyone from and what field are you in? Feel free to share hobbies as well.

San Francisco related Question.
How is the Chinatown area for a long term stay? Any safety concerns, etc.?