I’m 25 and new to investing. Since I’m young, I figured I can be aggressive and avoid bonds for now. This is the breakdown and would appreciate any advice.

401k: VTI (80%), VXUS (20%)
Roth IRA: VOO (33%), VUG (33%), VGT (33%)

Interested to see some perspectives - currently working at a Payroll & Benefits Specialist at a fast growing company and recently passed my PHR! I just started this role only a few months ago but am already feeling like I can take on more, but not as much as a HR manager. I’m struggling to understand where exactly it is I can go from here. I’m 25, have 3 years of experience, and get paid $59k/year.

Where does one go from here? Thanks in advance for any and all answers!

Hi everyone
I am currently serving notice period. I would appreciate if u all can help me understand skills & courses to develop during this career break (due to family priorities) apart from pharmaceutical brand management as i am willing to pivot my role into
1. Consulting in life sciences or healthcare or pharma domain 2. Competitive intelligence in above mentioned sectors 3.business analytics in above mentioned sectors.I wud appreciate if u can share a few referrals.Wud be resuming by Jan

Retire at 50? Is it possible for a tier 1 city in India like mumbai and at what approx cost? Assuming a house is already existing.

Just looking to get an idea of what people think is a decent fund for retiring considering inflation, medical costs etc for a nuclear family.

Uk pension experts.
Can we - UK employees, select where our company pension is invested and pick the stocks and shares we want to invest in, as US employees can with their 401k?

If you have stock prior to joining big 4 that is proscribed, are you required to sell? Does anyone really check for senior level?

New to the points game but just got my Amex platinum and Chase Sapphire Preferred! Awesome sign on bonus for Amex and got a credit against the annual fee for having the Corp Amex. DM for referrals!

Anyone here know anything about Unify Consulting? They reached about looking for senior roles to build their National Healthcare and Life Science vertical.

I’m planning on not returning back to my job after my baby is born. I have no paid maternity leave outside of short term disability (60% pay for 6 weeks, an elective benefit that I pay for exclusively) and will use my sick time / vacation time while out, too. So, what’s the etiquette for when to put in notice while on leave? Any ideas?

Any APM/PM openings at CPG agencies in the NYC area? I only have 1.5 years experience in healthcare ad only so am struggling to find something I want

How do the economics of this city work?

I make ~150K & get 8K per month net.

Assuming I have 3K rent + 1K for (car + insurance) + 1K for (grocery + utilities + misc expenses), I’m left with 3K/month saving which is 36K/yr.

If I decide to buy a 1M house/townhouse/apartment, I’ll need to put down 200K deposit which will take ~5-6 years - IS THIS NORMAL?

Good morning!

Still trying to figure out this whole Fishbowl thing, so here goes my first post.

I would love to get into provider credentialing, but all employers I've looked at want at least 3 years of experience. So, I'm looking at Provider Network Coordinator roles, because I'm finding some of those roles don't need AS MUCH experience. I'm a RHIT, and have been working in healthcare for nearly 10 years.

Any input on employers is appreciated!

For any Alvarez and Marsal fish, how has your work life balance been? Very interested in hearing from those in their healthcare industry group, but anyone is welcome to respond.

How much do people have in their savings? I have $125K sitting in savings (not 401K) and $50K in investments. I’m 34 years old. Just trying to compare myself against some benchmarks.

This company I am interviewing with is not proposing a base salary and an OTE. They are asking me to create it and I really need guidance here. It’s an AE role in medical SaaS sales for orthopedics surgery. What do I need to ask? So far I know that they cover medical insurance, there is no 401k, and there are private company stock options. It’s mainly inside sales with maybe 10% travel.

My thought was 75k base and 110k OTE. But they are saying to lower the base and increase OTE.

401K Question - Very Confused. Just came to US and will be here for about 4 Years. Firm matches 25% of first 6% employee down. Some say, upon withdrawal, have to 40% tax/penalty / others say .. Contin

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

I am consolidating my old 401k, and reallocating from all technology stocks to S&P large cap and small cap (SPLG, SPSM)

I believe it is better to reallocate at the bottom of the market?

Though devil’s advocate is technology have fallen more and will recover more, if I reallocate it will be slower recovery.

Would love to discuss..

What are the various employee benefits that lilly offers?

Curious to hear from anyone who has successfully made the transition from bankruptcy to a broader practice (either litigation or transactional)

Do you use Marsha’s Docs?

Please talk to me about how you created better work-life balance, I am really struggling. I don't sleep much and I am barely balancing all of my tasks

Can we change project in Capgemini?

How to walk the line of wording your LinkedIn to get recruiters to notice you while not making it obvious to your supervisors (who are connections on LinkedIn) that you’re actively looking?

Internal Referrals...

Is it true that an Amazon employee can't refer you if you've applied directly within the past two years?

Is there a way around this?

My least favorite part of wearing glasses is the constant need to clean them. Self cleaning glasses please!!!

Is it normal for PR agencies to have a high turnover rate? For reference, I work at a boutique agency with 9 people but half the people who were there when I started in January of this year are gone.

Hi all! I've got an SEO question I'm hoping someone can help with:
How do you choose keywords to target in a blog when you're writing a blog that appears on multiple country specific versions of a given website? Do you use a mix of keywords from each region/country in one blog, or create different versions of the same blog with slight keyword differences based on the country?
Feel free to DM me if you want! thanks in advance from an entry level content marketer. :)

Can anyone confirm if the Spotify layoffs are true?

Hi fishes,

Recently I got an offer from Cognizant with a CTC of 11lpa..Can I ask the recruiter to make it 12lpa now without another offer in hand?

Thanks in advance

How to Lose a Client in 10 Days...Go!

Hey guys, how to crack the interview at EY GDS for penetration testing as a fresher?

Can I please have unique, excellent food, London restaurant locations? I need to plan a Sunday birthday dinner for my girlfriend but she's been every where.

Has anyone return to office plans changed after the news this week?

How much are you saving for retirement each year? Thoughts on how much social security will be around in 30 years?

One of my friends is looking to invest $500, she’s new to stocks. $500 is something she just wanna invest and forget about it for a long time. Please suggest few stocks to invest. 👍

Anyone purchase a home recently? What’s the 15 or 30 yr rate with excellent credit score (750+)?

I currently own a Condo worth ~360k with ~100k in equity. I am looking to buy a home for $800-$1M (DC Metro market) in the next 3-5 years and am wondering if I should aim to keep the condo and rent it out or use the equity to afford the $160-200k down payment. I only have $7k in savings and am also saving for a ring and wedding.

Started working last year and have 60k sitting in my savings account. No current brokerage accounts, No loans, etc. Was planning for market to dip after election so I could buy into QQQ etc and that clearly didnt happen. What would you guys recommend i do now?

Every Wednesday buying and selling it on Thursday to make small profits. Looks like markets gain looking at Unemployment numbers or some kind of planned coordinated manipulation to keep markets up

Son’s 2nd birthday coming up.. thinking of opening a custodial account for him and buy a couple hundred dollars worth of a SP500 index fund and continue doing that on subsequent birthdays. Is it a good birthday gift? I understand the drawbacks of a custodial account (losing control once the kid grows up and it affects financial aid etc). I think it will be cool for him to see all the purchase dates fall on his birthdays and teach him about long term investment

Does anyone know what’s happening to APHA after hours?

Thoughts about investing using M1 Finance to load up on stocks and utilize M1 borrow for future downpayment on real estate rather than keeping the money in a HYSA for the future down payment?

First gen grad working in Corp America so had to learn stuff like investing from scratch. I deposited funds in my IRA and invested those in some stocks. This was early in my learning journey. I've since learned about Roth IRAs and their tax benefits and would love to convert but I own some stocks that I bought relatively cheap and would hate to sell. Any way for me to convert to Roth while holding my stocks?

What’s in your Roth IRA portfolio? Newbie, trying to build a base I can hold for a long time

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Hi all. I’ve saved a nest egg over the three years I’ve been working, and paid off a 25k student loan in one payment this august. I need a car and am looking to purchase a 22k car, should I finance it or pay in cash? Loan is around 0.9% and multiple dealers are not offering additional incentive to pay cash. Psychologically it’s tricky to part with so much of my nest egg in such a short period of time (I’m pretty frugal).

I curry have a base salary of a little above 120k. I am maxing my 401k and invest in the Shar purchase plan I am offered. Would a brokerage account make more sense or a IRA OR a Roth IRA?

First time investor and trying to do tax filing. If you bought the same coin or stock at 100 and then next day at 200 (cost basis 150 per share/coin is), and your investment goes up to 600, (300 per share/coin) and you sell only one share/coin and receive 300, does that still create taxable event or is it considered just taking out your principal investment amount until you sell more than 300? Also is transferring coin from one wallet to another a taxable event or considered selling/buying?

I’ve been in on lemonade since a few weeks after IPO and am a big believer this has massive upside, but have no idea why it’s skyrocketing today and the last 2 weeks. Any thoughts? Are more people finding out about it?

I have $30k in two old 401ks with previous employers I need to move. Thinking I’ll just sell out of the mediocre funds they are in and put it all into ETFs with fidelity or other low cost broker. Any reason I should keep them in they funds they are in? Would love to do Roth conversation, but above $165k so doesn’t seem to make sense. TIA!

Is it just me or does it seem hard af to make a million dollars.

Do banks (i.e. mortgage lenders / brokers) take your rsus into consideration when they look at your compensation package of a public company since its basically like cash or are they only look at your base + 2 years of bonuses. (I know they want 2 years of bonuses from having worked in the financial services industry where cash year and bonuses are a big part of total tc)

Again, the rsus are rsus of a very liquid large tech company. Assuming this matters in the banks consideration.

Planing to buy first home ( new construction) with little knowledge . Can someone guide me on resources and how to choose realtors ( even if it is required for new home ) . TC - 150K . Home value : 600K