I recently joined Microsoft and the 401k investments options through Fidelity are a bit limited. I am 31 and may be in a lower tax bracket than today's (24%) in the future.

Which funds would be more beneficial? VFFSX? LIVIX?

Can anyone let me know the benefits at Accenture?

Accepted an offer but the recruiter disappeared before sending me the list of benefits he promised to send, so was curious to see what those are at the moment!

The offer only lists that benefits are changeable, and you receive current ones so they aren't clearly defined)

Hi fishes ,

I received an offer for senior manager position in PWC .

Can you please let me know about the health insurance coverage as it is not mentioned in offer letter.

Please also inform if parents can be included in health insurance provided by PWC.

I have below offers in Hyderabad, current salary(with 10% var) 13.25, YOE 6.3Y, .Net Fullstack developer

Hexagon

Basic 8.2 L

Reimbursement component 44K

PF 8202 + 8202 = 16404

Yearly gratuity

Base + 10% variable = 22.5 LPA

CreditSafe

Basic 8.24 L

Reimbursement component 3.18L

PF 1800 + 1800 = 3600

Base + NO variable = 24.5 LPA

Which one would be better option?

Why CreditSafe has that much reimbursement component? Are bills required to get it?

Why only 1800 as PF in CreditSafe?

New to the U.S., is the Healthcare Industry (via HIPAA), the only industry in the U.S. that legally mandates having a designated Privacy Officer? So for example, although GLBA has obvious privacy requirements, unlike with healthcare, financial institutions in the U.S. are not mandated by law to have a designated Privacy Officer?

Does anyone knows a company that is hiring. I've worked with health insurance for over 20 years. I am stagnated on my current job. The salary I am looking for is $48,000 or more. I live in greenville, sc

What benefits does JP Morgan offers for AVP role? In specific to GFCC groups..

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

I have an issue: just been informed by compliance I have a violation. Using a brokerage restricted and at this point I am at a loss. I sold off all my stock just to comply. Then put the only stock I kept with the broker, the other one is my wife’s employer 401k savings broker. The instructions say they will reach me within 90 days for next steps. It also says there may be financial penalties.

What should I do? I replied the email immediately asking for help. I am a new to Deloitte and the US

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

I love teaching art but am having to teach remotely to 1150 kids, k - 5. Have about 54 amazing elementary art teachers in my district that share SO much! I could retire (34 yrs), but just don’t want to because I love what I do! Feeling like my students aren’t getting what they should because I am struggling with Zoom, Microsoft, safe YouTube, bitmoji, embedding, downloads, editing, etc. Anyone else feeling this way?

Anyone else get annoyed with the constant grumbling about healthcare/pharma work in the main bowl?

Hello Fishes, Please help me in understanding the health insurance policy at Nagarro. Is spouse and parents by default enrolled in the default 3 lac amount? If not, what’s the premium amount I need to pay?

Anyone here work at UF Shands in Florida? I’m interested in working there long term, but how easy is it to get in? How easy is it to transfer departments (such as from auditing to compliance)? Are the health benefits any good?

I started investing in Vanguard Mutual Funds and and did some research online today and it seems like we can’t do that and it might not be halal. Does anyone have any insights here?

Hey Cloud gurus - my client (F50) wants to move to a public cloud ASAP (lift and shift is fine) with 1000s of workloads. Any bold ideas to speed up the migration process?

UK senior consultants, how much of your sales come from big tenders and how much come from work you win 1 to 1 from your own network?

If you won a piece of central govt work worth £1m and 5 of you worked on the bid, how much credit does each person get?

*I'm new and trying to understand how sales targets work. Be gentle

Does signing up for hardship assistance during COVID impact credit score?

What would be a typical Sr Financial analyst salary in NYC?

Hi! I have many years of experience in Compensation and Benefits (HR) strategies to attract, retain and motivate talents in big corporations. I want to find a way to bring solutions for startups and entrepeneurs that are already in the need of such support for their own companies. I want to find ways to bring meaningful and practical solutions at reasonable costs for these organizations. Any ideas on how to become aware of their specific needs? C&B, talent management, performance appraisal.

Looking to go into either management or clinical applications. What’s the starting salary for a radiology supervisor and a clinical application analyst in ohio? I have my MBA and 5 years experience and a rad tech.

Hi All,

I had an offer as a business analyst in HDFC BANK and CAPGEMINI.May I know which is better in terms of WLB...
Yoe 14 year
HDFC 23 LPA
Capgemini 22LPa

Got H1B lottery picked up last year (2021). Now I have an approved petition. But I am not holding visa.

In this situation - can I able to switch company? Can I able to change the petitioner(new employer) in this approved petition?

I'm reading this book on boundaries. In the work section it says I should tell my boss that I can't work after 5 PM. Knowing that advertising work commonly goes past 5 PM...would my job be in danger if I said that?
There's not really a rule book that says I must work until the work is done even though it's an unsaid expectation. Thoughts?

How has the experiences for SCs been?
Its been 3 months at Deloitte and trying to find enough reasons to stay back.

I am considering moving from US to Canada within EY if my visa doesn’t work out. Joined EY TAS- OTS from MBA as a Senior last year with base of 150k. How much salary should I expect in Toronto?

Who is in the dental field?

How to resign from pwc…. Where is the option? I cant find it on workday

New Courier company in the Quad-Cities area. Check out our website at

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

Any trans in this bowl from India ?

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Have never invested outside of 401k. Think I may start being able to put ~$500 in the market each month. Where / how do I start?
Happy to provide more details about my situation if its helpful.

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

How do you start searching for mortgage loans and what do you look into lender

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

Anyone have experience with or recs for a good moving / shipping company? Trying to gauge typical cost, have about 5 furniture items to ship between states (7h driving distance) and would like them to load / unload. Thanks!

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

After figuring out FI/RE I am less motivated.

Can’t find the bowl for this but quick question -
What are some credit cards like the Apple Card that don’t have any physical numbers on them?

I like the Apple Card and considering opening one but want to see if there are better alternatives. It’s enticing that if I lose my card, I can instantly change the number so someone can’t use it. Plus no numbers means someone can’t randomly make a large fraudulent purchase.

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!

I’m a Bitcoin bull, and believe it will eventually be a hedge against inflation...

But right now this thing moves in line with the market :(
Beta > 1

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

If I have two 401ks (current job and previous job), does the 19k limit apply to both of them together or 19k each?

If I were to rollover a pension lump sum into one of those 401ks, is counted towards the $19k limit? Or is rollover classified differently and I could still continue to contribute to my current 401k?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?