I recently left Deloitte after almost 4.5 years. Since they had pension, I got my pension offer. Either I could take $313/ month for life or rollover a lumpsum of $65k into 401k. Looking for suggestions. I am 32.

I’m looking at investment a portion of my portfolio into alternative investments. Maybe around $30k to start. Anyone have recommendations or experience with Alt investment vehicles? (e.g., crowdfunded startups/real estate, PE, VC ETFs)??

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Noob question on selling puts- I just sold a weekly put that I WANT to get assigned. The stock fluctuate a few dollars a day so I’m looking for a specific price to own the shares at vs entering a limit order. The stock has already gone below my selected strike price by a 30 cents today but I haven’t been assigned the shares 🤔. Is it only by expiration day or am I missing something?

What are some of the things to keep in mind when leasing a new car? What are some add-on that can be negotiated on?

Hello everyone currently i am working with TCS i have also visited onsite from this working since 2018 overall i have 5+ years experience with very less package i dont see any growth in package. i have experience into customer support technical support identity and access management resource management timesheet management etc i need help to switch which company you suggest would be better with all the benefits

Hi guys ,

In paris if you get a salary of 83 k + 1 BHK allowance and other benefits .is a good package to live and work comfortably. Please kindly suggest me.

Thanks alot.

Can someone explain if I should use regular 401k or Roth 401k? My 2 FA’s gave different answers and I don’t understand which to use. I have already done the back door Roth IRA max

Does the IRS allow LIFO/Specific ID tax lot methods for selling crypto? And if so, do I somehow need to specify my choice of method at the time of sale, or just down the road when filing taxes? I use CB Pro and don’t see any settings for selecting methods like in my traditional brokerage account.

What's up with american funds? They seem like the hottest "it" fund--is it all marketing and hype or do you believe this is the hottest fund company on the street? Which mutual funds are you selling

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

This is my first recession as a working adult. Is there anything specific one should do to prepare? But ibonds? We typically invest ~$8K a month into a brokerage (already have an emergency fund in actual cash but it’s maybe 2 months cash), but wondering if I should stack a bit more cash?

No worries about job loss or anything in the recession, just trying to see what others investment advice in this time would be.

What's it like to buy a new car in Dubai? Financing available?

Best way to store coins? Best wallet to use?

I’m interviewing with a startup and the range has a 40k difference from the lowest to highest point. It’s also pre-seed and comes with equity, and health, 401k benefits. It’s a director of sales role so I would eventually be recruiting and managing a team along with building the processes and strategy. What would you consider a fair compensation package? If they offer me something on the lower end of the range, is it still appropriate to counter with an offer that is over their stated range?

Hi Fishes , Good Morning ,

Am looking for QA openings (Manual Testing) Can you guys assist me ?
Overall exp : 8.9
QA exp : 6.2

Currently am working in healthcare domain and having EDI experience. Looking for helping hands. Thanks in advance.

Any realtor recs? Looking to buy in Seattle

I am having final rounds with consulting firms and corp strategy soon and I am looking to do a couple of cases with experienced caser (25+) in the next couple of days. Anyone wants to practice?

Where should I work

For those doing production in COVID, how large were your crews? How many at location vs on the actual set?

POLL: After a long summer of unemployment & rejection letters, you finally get 2 offers. Both have appeal for different reasons. Which would you pick, assuming money wasn’t a factor? Thanks for choosing by liking A or B below. A= a Creative Lead job on an a beautiful tropical island (English speaking, but cultural adventure) where the work/industry was much less developed, or B= a Creative lead job in a new-to-you US city you also liked where the work and teams were much more advanced/skilled?

I left an omnicom agency for a Publicis one. My new benefits cost me 250 a paycheck (medical, dental, vision) for my spouse and kids. At omnicom it was 630 per check. That’s fuckin robbery right there.

Any parents who are still on the safe side with Covid? We have a 1 year old and being safe and staying mostly home is really getting to me. Most of our friends have kids who are able to mask up or are vaccinated and it’s getting quite isolating. Especially now mask mandates are being lifted feeling like we can’t go anywhere without risking our kid.

Best GMAT study plan?

Any consulting firms that are particularly good for Jews or which honor Jewish holidays? My firm has a Jewish diversity team but I’d love to learn about others.

Anyone from EY Singapore?

Can I renegotiate the salary in hcl tech I am getting 2L more in another company( fixed) . What is the probability of increment of salary.
Position :senior tech least
Yoe:6.5
Salary now:17fixed

Partners: Hey HR, we are short of resources and looking to hire a self starter candidate, with good analytical mindset, and should be a hardworker and should not hesitate to work long hours. Also forgot to mention, we are totally short of budget. But since the projects are high demanding, we need someone to get going.
HR: Hmmm... Challanging situation. Let me get back to you in 2 weeks
After 2 weeks...
HR: Happy to welcome, xxxx to the team. xxxx has joined the team as an Analyst

Hi Fishes,

Do these 2 points in the JD allude to modelling requirements?

• Prepare transaction specific and marketing materials (teasers, information memorandum, pitch books, corporate profiles, and industry data and analyses)

• Perform in-depth company and industry research supporting specific client engagements and marketing opportunities

How much should I ask for Salesforce Functional BA Consultant Deloitte. YOE: 4 CCTC: 11.15

T-minus a week until I give notice. Excited. Nervous. But so happy to get out.

I’m on the high side of the BMI scale and really want to prioritize healthy movement. Not ready to formally go back to the gym or do fitness group classes inside (both from a covid mentality and feeling uncomfortable due to size). Started walking more and incorporating some cardio videos, thinking of getting a machine for my apartment (bike, elliptical, etc.)…any recommendations of best machine to incorporate or additional fitness ideas?

Trying to break into advertising, specifically copywriting.

Are there any programs, schools, or courses that I can complete online while also working full time? Thanks!

If you were the only associate on your team, how would you feel about senior mgmt adding another associate to do similar work? Personally I see little upside! Appreciate your thoughts

How to get release from project in lti?

We found out one of our drivers may have a drinking problem. How? Bunch of empty bottles in his truck. Should I ask about this or just let him go to avoid being held liable in case an accident happens?

I'm guessing most people know already but for any new 🐠, the Marriott Mega Bonus is up for registration.

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

Did not sell some of my underperforming stocks before end of 2021. Can I sell now but include them in 2021 tax return? Remember there is some grace period for this.

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

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

At what point does it make sense to buy a home? I have ~700k in the stock market and a lower than average salary currently (80k) and pay 1800 a month in rent.

I’m thinking of opening a TD Ameritrade account for investing - does anyone use this/have any feedback? For reference, I recently graduated and have no prior investing experience, so any feedback on investing is appreciated :)

Any of you have parents who have never invested in the market or set up 401k all this time? They are very close to retirement (in a couple years) but I am shocked that they’ve kept their life savings all in a checking account😭 just found this out and don’t know what to do

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!

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?

Is there an app/software to consolidate and track your investments across different asset classes? (ETFs, stocks, bonds, crypto)

I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

How do you earn $500k and still feel average?

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.

After figuring out FI/RE I am less motivated.

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?