I have a 401k and money in index funds, what would be the benefits of also having a Roth IRA?

If I book a stay in a Marriott property through a third party website for a lower rate than what’s on the Marriott app, can I still get points and elite benefits on the reservation?

Any pointers on the best UK credit cards to get?

(Context: I'm a Londoner moving back home after 5 years in NYC)

Hi,

I wanted to know if in Google India offices, do people get to work on projects like Machine learning/ Deep learning in Healthcare? Like for example Dr. Lily Peng is working as a Product manager for Diabetic Retinopathy diagnosis with ML.
If anyone from Google can throw some light on this, that would be really helpful.

Thanks!

Trying to chart my next move and not sure what direction to go. All I know is I’m tired of being always “on” in a client-facing environment.

Any podcasts, books, etc I can read for insight into more internal roles like biz ops, corporate dev/strategy, other??

4 YOE total all in consulting. Currently a SC. Clients/work have been commercial healthcare implementation & public health strategy, risk, process imp etc.

Thoughts on Dechert FRE (real estate)?

Is crypto dead or just hibernating?

I just started a new job 2 months ago, benefits and PTO don’t start until 90 days in so I still have a month before I can take off any time, and today found out my company doesn’t offer paid maternity leave.
I’m really struggling handling the symptoms and maintaining my full time job. Thinking about looking for a part time job to have more time to myself through the pregnancy since I won’t be getting a paid leave anyways, but lost on where to start looking. Any recommendations?

any suggestions on where to rent? preferably manhattan downtown or midtown. budget is ~2.1k or so. priorities are having a doorman, elevator, laundry in building at the very least

Hi, I am considering making an appointment with a therapist to discuss mental health, and my question is this: how do you know that your case is severe enough to warrant a therapist’s time? I’ve never been diagnosed with any mental health illnesses but I think it could be something that benefits me. A little advice would be appreciated. Thank you

Hi,
Anyone has idea about remote consulting opportunities in Kuwait. I mean how doe sthe tax structure work for the location? Would be beneficial if someone could help me understand it better.

Quick question: Can we ask HR to revise pf contribution to minimum which is 1800/month

Alright auto fishes, I’m in the market for a entry level luxury car. Open to used or a lease. I don’t plan to use it as a daily driver, live in an HCOL. Only restriction is that I’d like to keep my monthly costs at no more than $600-$700/month (including insurance, financing / fees, etc; have a parking spot already). Doesn’t have to be a European badge. Thoughts?

All compensation-related post should follow the below template.

Years of Experience:
Current Organization:
Company:
Title/Level:
Salary:
Bonus:
Stock:
Total comp (Salary + Bonus + Stock):
Benefits:

Holys*it, the seller accepted my offer, i’ll be owning a condo. Surreal! Did i make the right decision in this environment??? 😱

Hows GE healthcare for a business analyst? In terms of wb, job security and work environment?anybody here from GE healthcare

How to check what is there in full and final settlement as they just sent the amount to my account...not any mail or anything to check.

Hi everyone
I am currently serving notice period. I would appreciate if u all can help me understand skills & courses to develop during this career break (due to family priorities) apart from pharmaceutical brand management as i am willing to pivot my role into
1. Consulting in life sciences or healthcare or pharma domain 2. Competitive intelligence in above mentioned sectors 3.business analytics in above mentioned sectors.I wud appreciate if u can share a few referrals.Wud be resuming by Jan

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

Anyone here play tennis? Recently moved here and trying to find some good courts. Recs are appreciated. TIA!

Someone talk to me about Isobar and/or IA Collaborative. 👍👎❓

Hello! I’m looking for study materials for the PHR. Does anyone have recommendations for cost effective resources or perhaps willing to part with your study materials?

How do you develop salary expectations? Any sources you use to help figure out what the market is like?

trx trx trx

How to find a mentor who would introduce you to different network connections or professionals when you are still in school?

URGENT
Hi everyone! My brother recently moved to Pune and is looking for a place to stay. Actually he needs a place to stay for just 1 month. And no PG is providing him a room for 1 month. If anyone knows any such PG or guest house or anything that allows 1 month stay please let me know.
I'll be very thankful to you.

What is the Salary for an Assistant Manager?

What is the notice period if left in probation period?

Anyone go from SaaS / licensing sales to services (strategy & implementation) sales?

I'm thinking of moving from large cap tech to large cap consultancy firm to help build the resume and round out my experience. I enjoy and do well in licensing, but I'm fairly young in my career (<6 years) and received a great offer to make the move.

Big fan of the org and team I'll be joining as well.

Thanks!!

TC ~$300K

Let's start a weekly prayer request thread. Even if we're anonymous to each other, I'd love to have a chance to pray for others since I struggle with that

Linux Academy or acloudguru for studying/passing Solutions Architect Pro Exam?

back bay apt is up for rent - posting in case anyone is interested! It’s a great spot

Planning to buy my fiancé a first luxury watch for a wedding gift. Budget of about 3k. Any suggestions? Additionally, how does one find a used watch dealer in NY if I am looking for something secondhand? Thank you!

Anyone here work fully remote for in house? And in a different state than where the office is located ?

Kal canteen me agar kuch khane ko naseeb hua toh kya mangaana chahiye? Any recommendations ?

What does a year one international tax senior make in HCOL West?

If I pay off a HELOC balance in full, is there a chance my lender will close the credit line? I want to pay off my debt (which is subject to a variable interest rate and thus is becoming more expensive to service) with free cash, but I don’t want to lose access to the credit facility.

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

I bought my starter home recently. Want to dump everything else i saved into vti (will be about 70k). Would buy a forever home in say 5-6 years. 5 year time horizon is pretty safe right?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

Advice appreciated: I want to sublease my apartment so that I can rent elsewhere and pay less. I had to move in a short amount of time and it was during the period where there was a high demand for housing, & leases everywhere were expensive so I signed what I thought was fairly cheap in comparison to what was out there. However I found something this month that will cut costs by 30%. How do I go about finding someone to sublease my place?

Better to Airbnb out a rental or find a 12month lease tenant?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

I’d like some independent views please, on a financial decision my wife and I are about to make. We’re looking to buy our first/dream home and the property is valued at $1.25m. We have savings of $250k and our HHI is c$350k, with no debt. We will probably exhaust our savings on the deposit and closing costs. A $1m with mortgage at 6% with property taxes is c$8k/month. We net about $14k, we think it’s just about manageable, however keen to get your views please? More context in comment below.

Have about $200k in savings. Should i move them to a high yield savings account? Popular direct or UFB direct quoting 3.7-3.8% which is not bad. Any other ways to grow? I already have quite a bit more in index funds so don’t want to buy into more stocks

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

Is sending kids to private school worth it? Talking about 25k-30k per year. Living inside city where public school are average. Thinking of sending kid to international school with bilingual program (family speaks multiple languages)…. The money adds up a lot over a lifetime. Especially if we have more than 1 kid.

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?