I have about 250k in cash in savings and moving to cash in January. Thoughts on an expedited DCA through larger amounts over a year vs. a lump sum? Real estate was an option as well but rates are absurd. Any other investment options? Thanks

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

Transferring IRA from Vanguard to Fidelity - do I have to liquidate my holdings?

Does it make sense for me to acquire a portfolio of small margin-rich businesses but currently in duress due to COVID? I have $1.3M liquid earning 2% in a HY savings act - offer cash to owners for eq?

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Was there ever a time you wanted to give up being a real estate agent?

Are Uber/Lyft drivers reluctant to drive from DC (Logan) to BWI?

**Can I take retirement?**
Hi All,
I have around 29 Lac savings + 5 Lac gold.
And my wife has 28 Lac gold(wedding gift) + 80 Lac(ancestral) Land.
We have a child, his current age is 2 years+
Currently our monthly expenses are around 22k(max), and my CCTC is 15 LPA+ with 8+ YOE.
My age is 29! I don't feel like working anymore.

What to do with pharma stocks like Pfizer, moderna.. doesn’t seem to be trending up..

Looking for few suggestions for high risk/high return stocks at current level which have potential to double/ triple in next 3-4 years...

Any tips on refinancing student loans?

Looking to put $5K in the market. Which ones would you buy? Lululemon, delta airlines, Peleton, docusign, Zoom, etsy. Any that I’ve missed and should consider? Already have MSFT, BRKB, NVDA, BABA and multiple broad ETFs

How much of your income (%) regardless of savings rate would you spend for a house renovation?
We are moving into a house but it needs to be remodeled. Finally no more rent and no mortgage

Relocating from the west coast in late spring. We have three kids under 6. School system is important to us. Thinking relocating to the Lake Norman area or Fort Mills. Pros and Cons. Looking to purchase a house and sq at least 3250-3500 min. Any advise for the area.

What's your opinion on restricted stock?

Hi everyone, how much % do you allocate shares for early employees

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

Is everything getting 800 INR has Internet allowance over your salary? Or does it need any special approval?

Hello fishes,

I have 6 and half YOE in front end development. (angular and hybrid applications). I joined my current organization ( product based) in Feb for 24LPA. The work here is too stressful and there is absolutely zero WLB. So I decided to start looking out again. However I am not getting good interview calls. Are most companies not hiring now ? Or could it because my CTC is too high ?

Can anyone tell who is actually leading the COVID response? HHS? FEMA? WH? Truly a nightmare

Hey Fishes ,
I am a QA/SDET with 8 YOE , good in building framework for UI and API Testing , right now working on improving coding (DSA) and AWS (SAA certification). I am at 25 LPA now and my aim is to get in FAANG what all i need to get in my bucket to crack that (or atleast improve my chance of getting in ), please guide me .

What’s the best way to get in touch with a recruiter in SF to help me find something new? Any recos?

For ex consultants without finance backgrounds who transitions to PE or Growth do you have any recs on podcast books to read that helped you build your PE/Investing knowledge?

Getting lonely in NYC! Trying to meet some fun and interesting women. DM me. 34 M🐠 here

Wanted to get feedback on my new offer.
HR SaaS Sales. ASP-15-25K some folks make more of course.
Senior MM AE L3
101,500 base
145 OTE
70/30 split
equity
401k with no match (had match before)

First AE job but 8 YOE in sales and an SDR MGR prior

Still gonna negotiate. Seems solid to me but I'd like 150 OTE.

Hi ,
Need an advice and thoughts for the below companies too much confused which to join
YEO -5.3
Tech Stack- Java , Microservices
Salary - Almost same
1) HCL TECHNOLOGIES
2) Coforge - HSBC client
3)BMC SOFTWARE - But the tech stack is core java and legacy application
4) Synechron - Client interview will be post onboarding
Last 3 weeks remaining to complete notice period,would be really helpful if you let me your experience in aspects of wlb, job security, future growth & increments

TIA

Hi Buddies ,

Any opening for Scrum Master/Agile Project manager roles

Please refer mine

Hardly looking for Job Change

Having PSM- 1,PSK - 1 certification and 8.6 YOE

Working Credit Risk Management Role across Portfolio 

Current Company : TCS

Regards
Rajesh

Do you guys ever feel the need to do something drastically different (career wise)
Ex from tech coding to becoming a pilot?

Expected CTC for 6 YOE?

Tech: Frontend role(React JS/Angular/JS)

GME and AMC are not doing well today 😂

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

TD Ameritrade vs Etrade vs Fidelity.... any big differences or are they all more or less the same user interface? Mostly for trading stocks options and ETF.

ABNB @ $144. Invest or not?

Are Vanguard target funds good options to invest my 401k money in?

Went to a club yesterday and we paid $20 pp for cover just to find out that it was empty and there wasn't really a clubbing vibe. Bought a round of beers and we were so bored that we decided to leave in a few minutes... I feel robbed but at the same time I guess there's not much I can do, or is it? Im not sure if a CC charge back even applies in this case. Anyone had the same experience?

Anyone use an MVNO? I love to save $$

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?

Best robo advisors and why?

For those that trade individual stocks, how do you keep your emotions out? I decided not to buy Wayfair last month due to past volatility (was looking for short term gains) and now kicking myself.

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

Have to use a financial advisor due to inheritance doc requirements. Where can I find the best low cost advising? Even if it’s automated or the low monthly fee with an annual review - I think those fulfill the requirements I need to meet. Thanks!

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

HSA vs FSA. My current employer doesn’t offer HSA but, offers FSA. HSA is no brainer. But, not sure about FSA. Any advice??

When is the right time to buy a second home (primary investment/ secondary vacation home)?

I have a lot of exposure to big tech and sp500 across my brokerage account and retirement accounts. I recently opened a Roth IRA and have 6k in it to invest. I know the default strategy is to invest in a fund that tracks sp500 but I do that everywhere else regularly. Is there anything else like VYM you recommend? I’m targeting dividend growth ones since it’s a Roth IRA ..

Tendies? 😊 🤚💎🤚

Where do you buy dogecoin?

Forgive me if this is a stupid question- but if Trump bails out Oil and Gas companies, could Chesapeake be a steal at 17 cents?