I have been freelancing on Upwork and Freelancer.com for about a year now. Is there any site you can go to when you have a little experience with freelancing that pays a better price than these two? These are two great sites, but they are limited in scope.

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

Can anyone explain the Chubb underwriting associate training? Is it in person or hybrid? Interview process? Looking to make a transition from education.

How is the trend of Data Analyst jobs in healthcare industry?

Software sales folks earning commissions based on MRR as customers are invoices- Do you get paid commission for deals you closed even after your employment ends?

I’ve been a club performing rep for years at a SaaS company…but as an enterprise account exec… my average deal size is around $75k in annual recurring, quota of $1M. This is inline for my company but low when I speak with others for Enterprise rep openings. Any thoughts on recommendations for steps to bridge that gap?

How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

Hi All, just sharing what on mind to vent it out from my system. Maybe with this I could gain some insights and inspiration.
I have been working as a data scientist since 2018 & have been the bread winner. I have neither been under a proper mentor nor with a team of peers from my field to help me out. I was alone and confused. I have never really got the chance to prove myself which makes me all the more depressed. I'm not sure what to do with my future, indecisive and low on confidence.

Anyone work at square and can give me a lowdown on how the company is doing , is it a good time to join :interview , team culture and etc . Looking at L6 roles

Hi Fishes,
I have joined Salesforce past week, Can anyone suggest which cloud to join (Sales, Service or Experience cloud).

Thanks

Joining Deloitte in 2weeks. What Deloitte send laptop, do they send extra monitor, keyboard and mouse? Or does it need to be purchased using $1000 productivity subsidy? And do we need to use Amex card to purchase and then reimburse?

In order to DM i need 11 likes. Please help me guys

What’s the most effective way to train 200+ Staff on new technology or system releases? What do big companies do?

My thoughts are to build a community where Staff can talk and answer each other’s questions through MS Teams, but can that really be done effectively?

Joe Biden is done. Do the Democrats seriously not have a single candidate they can run that can actually beat Trump?

Why do recruiters never tell you which agency they want to talk to you about until they get you on the phone? I don’t want to waste anyone’s time and it would be helpful to know this info from the initial outreach. My experience with this only applies to healthcare, but would imagine it’s the same in consumer as well. Anyone?

Best place to buy bathroom mirrors? I don’t want to break the bank but looking for simple and classy rectangle and round mirrors for three bathrooms.

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Google stock to buy now or after the split?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

Thoughts on personal loans to consolidate Debt?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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

What does 401k mean?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)