I left my job a month ago & my 401k match never vested, but is still in sitting in my account. Is there anything I need to do or will my old company take it out on their own? They never mentioned anything when I left. TIA!

Determining if I should buy an investment property to rent out and earn side income. For those who bought a house / condo / apartment as an investment, teach me your ways! Is it worth it?

Have 700K USD worth of invested assets (less real estate, cash/receivables, and precious metals). if I need 4K USD per month for expenses, can I now coast?

Trying to decide between an offer at Deloitte and a counter-offer at Booz. Deloitte has the name recognition and better benefits but I have a really supportive team at Booz and good work-life balance. Any insight is appreciated! I would be starting at Deloitte as a Consultant in GPS. Currently a Senior Consultant at Booz.

Why is it that we need realtors exactly, since Redfin and Zillow are things. Seems like we should all be able to save on the commission.

Tax question: Say I am due to owe $50k in capital gains in 2021. What’s to stop me from going out and buying a Tesla and renting it out on Turo for $1,500 per month. I then use bonus depreciation to write off the full expense of the car in year 1, negating the $50k in capital gains owed.

Both me and my wife maxed out company match on 401K but are below the annual limit. What are our options now to take full advantage of the annual limit? Neither of us qualify for Roth IRA.

Hello all,

Can you change real estate agents after going under contract ?

Context: We want to put earnest money on a house, I am still working on getting my real estate license. Can I put a friends name as the buyers agent and change it to my name Right before closing ? We are based in TX

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

Hey guys,

I recently joined tcs and they told me to work at the Qualcomm office.

How will Qualcomm. What are benefits to the employee who comes from other companies to work at Qualcomm

Do y’all get moved around from hall to hall? I’ve been moved so many times. I have 2 more years until I can retire.

Hello,

I am filling itr for the first time so I'm a bit worried, as I bought some coins in exchange transferred to metamask, then swaped coins, the later transferred the coins back to exchange. Now I don't have the metamask address, so i dont know the transaction i did.

While filling itr do I have to disclose each trade or just the net profit?

You guys are focusing only on doge or other cryptos as well?

What’s the hardest problem facing provider side healthcare?

I'm not in sales per se but I manage my company's largest wholesale account ($150 million per/yr account). It's a great company, awesome culture, good benefits, flexibility, but the pay is not great ($60K/yr). All the pros outweighed the mediocre pay, but now with inflation rising, my paycheck isn't going as far and I'm having a really hard time trying to figure out if I should start looking elsewhere or if I should ask my boss for a raise.

Does anyone have a good spreadsheet for estimating the value of donations to places like Goodwill? I made a ton of contributions and need to itemize them for taxes. Thanks!

Hi folks,
Workflow management in BTP. Anybody has knowledge.. Hands-on?

How do people feel about their new compensation statements?

Need to lose 5 lbs every month for the next 10 months.

Goal is to
- gain muscle on arms, chest, & thighs
- lose fat on belly, chest, & face

Plan is to
- Eat clean (more often than in the past).
- Exercise 10/15 mins after wake up
- Keep metabolism up during the day

This week’s metrics:
- Weight: 250.6 lbs
- Biceps: 15.5”
- Waist: 44”
- Face/cheek diameter: 23.5”

Need someone to keep me accountable.

I have recently given interview at Microsoft.
HR provided the feedback as I am not rejected bit not fit for the role so they have put me in talent plus pool. What should I expect next and does this mean that I may get the offer ?

It’s looking like my job is gonna start asking us to return to the office. We have an open office plan and before we wfh FT I would save all my work for my telework days bc I can’t get shit done in the office. I’m having major anxiety about them making this decision. I know I’m not alone that people don’t want to return to the office. My ADHD and the open office just makes working from the office a nightmare and I’m feeling really nervous and kind of resentful.

If i am a fresher in cognizant and worked for 2 months and have got better opportunity can I abscond from same as the other company is asking to join immediately

Is it just me, or is Soros getting uglier every year? It's like the dark side is twisting him up.

Hi,
I am a consultant with 4 YOE and 17 CTC. Looking for a job in product based companies like GSK. Please let me know if you can refer me and also help me understand the work culture aspects of gsk

I really feel like I should be excused from this "diversity and inclusiveness" training stuff lmao. It's about implicit bias and I'm sorry it's just not believable coming from an old white man's mouth when there are maybe 4 non-white associates. We're having these meetings 3 times this week. 🤦🏽‍♀️

I'm currently in a product role with major commercial ownership(Techno-commercial). I am trying to increase my skill-set and want to continue growing in this huge org. However I feel I am being underpaid as my competition pays better. I don't want to leave and build my credibility. Is 9LPA in hand a good amount? I have 5 years of exp and i need financial stability at this point. Please help with inputs. TIA.

Did Pinterest lift their ban on advertising branded/unbranded pharma? It got brought up in a brainstorm today and almost spit out my coffee...

Any contract specialists with experience with rebates looking for a fully remote job paying up to 150k base salary. Please reach out.

Have an upcoming FB loop interview next week. And today i got reached out for another role that i applied at FB, should i bring this out to the hiring manager during the loop? Wondering if this would make any difference perhaps speeding up the decision process. Any thoughts?

For those of you who left the Midwest for a FAANG company like Apple… was the move to CA worth it? Have an opportunity and it’s just really difficult wrapping my head around the cost and standard of living, being far from friends and family, etc.

Currently on H1B. Trying to decide if I should pursue full-time MBA, or get part-time MBA while working. Just got MBB offer with 30% salary increase. Both MBA programs are top 10.

2nd year insurance defence associate wanting to transition out. Have considered doing different areas of litigation, but would ideally like to move to in-house work. How (un)likely is this to happen without transactional or employment experience? Any practical advice for how to market my experiences or make the transition?

Is it possible to negotiate with SAP?
Is there anyone who did it recently?

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Learned on the day of the deadline to enroll, that my partner's employer offers voluntary participation on a deferred compensation plan. First time I hear of such a benefit/option after working for years! Any general (i.e. not plan-specific) lessons-learned, gotchas, pointers to offer as we will have to quickly decide to enroll or not?

TIA!

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

Goodness. Why are sofas so expensive? I’m saving for one but looks like every company outdid each other on pricing not in a good way

Why are FIRE minded people into having multiple investment properties? It sounds like a nightmare having to deal with tenants and if you want dividends, can’t you just invest in REIT or preferred stock ETF? Are returns that much better?

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///

What do you estimate to be your personal functional inflation experienced over the last year?

I know the fed says 8.6%, but that number is averaged over many products normal people don’t frequently interact with.

I’d rough estimate something closer to 25% cost of living inflation over the last year for myself.

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

How to FIRE with kids? No kids for us yet but wife and I do FIRE and we’re wondering if it’s even possible with kids. Just takes longer maybe?

How’s would your FIRE impact if market corrects 20-25% from here?

In mid 40s, recommendation to have 401k portfolio. I have vanguard with only 155k as I started 401k few years back..

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

What percentage of your monthly pay do you invest in the stock market? Complete noob trying to get started with investing. I already max out 401k and have a rainy day find in place.

Any investment ideas outside of the stock market? Considering farmland but wondering about other options

Have money invested in S&P 500, and now starting to regret not having diversified to international stocks as well. Would want to diversify now to buy a total stock market index, however since S&P 500 dropped more than that index, not sure it’s worth to crystallize losses to do that. The alternative is to stop buying S&P 500 and start buying other markets as separate ETFs, to eventually bring in line approx. with total stock market index. Any advice on the best course of action?

How concerned are you about inflation? We have 70% savings rate and 50% of our expenses are housing / utilities of which the largest part is rent which is a fixed contract (no CPI escalation, no automatic increases, paying same rent for 4 years). No car as we are living in a large city. So if I look at the components of CPI and what’s rising I am feeling pretty „good“ about it. The one thing I am „worried“ is asset inflation but obviously that benefits me directly. What am I missing?

Good credit card to open? Thinking Amex gold - anyone have it and recommend? Or any others?

As an investor, do you choose longer or shorter amortization periods when paying off your mortgage and why? Will return on investment be higher if the amortization period is longer?