I'm planning to retire next year. Can someone please explain what the "COLA Trap" means? Why do many people recommend to retire in march and avoid retiring in september?

529 Plan VERSUS Prepaid

We live in Florida and currently have a Freshman in High School and a 16 month old. We hear from our friends and family with college bound children "I wish we would have done Florida PrePaid." After obviously ignoring this for years, we are finally trying to do it before "it's too late" for both children.

Does anyone have recommendations on which plan to go with for each child? I once did the pros and cons on a whiteboard and it seemed like 529 was better.

Have had a couple of patients that have positive covid antibodies but their spouses don't. Please explain

These new travel restrictions make me just wanna stay home. I’m fully vaxxed and still masked. I’m tired of this BSSSSSSSS

Hey all!!
Hope you all are doing good.
Can someone share your thought of how to deal with this situation. I am completely lost in terms of my mental health. Not able to overcome and accept this situation. I think this is right place to ask, as we all are going through the same.

For those who cold call on 401k plans, what is your approach?

I’ve been stung! How could that be? 🐝

How much would orange theory cost if you went 2-3x each week?

I’m maxing out my 401K, traditional IRA and HSA this year and paying for some house improvements. I have about $750K total investments and very close to $2M net worth, but realize that I am behind on investments if I want to do FIRE. I was focused on paying off huge chunks of my mortgage and managed to whittle it down to $75K left. Would you suggest I go ahead and pay that off this year? Or pause and do a mega back door roth instead? I’m mid 40s. Thanks!

Do you feel like there is a strong conspiracy theory going around about covid19?

Coronavirus and health: has your alcohol consumption gone up during the pandemic? This pandemic had encouraged me to quit for good now.

I’m sober curious. I’m also about to help a new non-alcoholic spirit company with their launch.
I have a question for people in recovery. If a brand were to contend that sobriety is a spectrum, or allow for that to a least be part of the conversation, how does that make you feel? Are other brands doing a good job of being inclusive of people who are truly sober?
(I get that NA drinks / spirits can be triggering for people in recovery)
Thank you.

Covid 19 survey …. Can the offer be rescinded if I attest that I am not vaccinated ? Pros vs cons of attending dlaunch in person vs virtual ?

Any suggestions for self help books on anxiety? Been dealing with anxiety for quite some time now and have been seeing a therapist but also just want to see what other resources are out there.

Mental Health, inherited or choice? I am finding myself struggling with processing that ADD, Depression, or Bipolar is a chemical imbalance in the brain vs. behavioral therapy. The best analogy given to me is you would treat diabetics with insulin so why not consider prescriptions to help mental health. 2020 has thrown more at me than I’m able to handle. Has anyone here noticed a significant improvement after a prescription to help psych issues?

With this crazy sickness going around what medication is everyone taking? It’s been a month since the cold and cough entered my house and it’s still here.

I recently went on antidepressants for my anxiety and it has helped tremendously. I felt like I was in a constant state of panic and anger before. Meds are available if you need them!

If it’s true that you can gain full immunity after recovering from COVID (when science says so ofc), will the plan be to antibody test people and let them resume daily life if they have immunity?

Made an appointment with my therapist to talk through the issues in my relationship. Coronavirus has been rough on us

Hi, I’m new on here and don’t have access to certain bowls. Does anyone know how I can gain access to some of these?

Is anyone from this bowl working at 6sense?

If yes, please share some info regarding work culture, Work life balance, job security and employee benefits.

Thanks in advance, fishes.

Can we take leaves while serving NP?

I've heard a couple of things about how the partner pension amount @ PwC is determined, both similar in approach.

Both calculations I have heard of result in an annuity paid until death, at which point a surviving spouse (if any) receives the annuity.

The first calculation I have heard is that you get 80% of your highest earning year as a partner (e.g. If your best year was $1M, you'd get $800k as an annuity).

The second calculation I have heard is that they look at your three highest earning years as a partner, and take the second highest and you get 100% of that. (e.g if your three highest earning years were $1M, $800k, and $1.2M, you'd receive $1M as an annuity).

Is ANY of this true, or just all rumor? Any PwC partners that can chime in and explain the pension plan fact for fact? Perhaps with sample numbers?

Anyone familiar with WPP policies for cost of living raises and promotions in the coastal offices versus KC office?

Just got an offer to ZS as a SIP Associate consultant. I am coming out of undergrad with 3 years of full time experience in life sciences research project management and institutional strategy and development. What is a good compensation package? Total comp and base comp?

Why did the scarecrow get promoted?

Because he was standing out in his field!

Hi Fishers,
I have 8.10 years of experience in ETL testing. Currently working in Cognizant and it is my first company.. I have decided to switch which is my first jump and have two offers in hand. Please suggest which one will be the best,
Offer 1 - TCS - 16.5LPA
Offer 2 - Saama Analytics - 17LPA
Attached is the offer letters.

Anyone have experience working in sales for a startup? What are things to consider? Got a recruiter contacting me about an open position very similar to what I do now, at a startup.

What should i go for TCS 9.5Lpa or Rategain 11.5 lpa

D gave me a retention bonus just big enough to cover my sign-on, it’s like they’re encouraging me to go on a job search 🤣

Any ideas for a side hustle using financial analysis/risk management skills? On a freelance basis probably.

Hi, how is zepto interms of job security

How hard or easy is it to transfer groups within EY?

Any great agencies or companies to work for in DTC?

I have 150k miles available in United, would you suggest to use it for next flight to Asia (15hr) or keep it and exchange for something else??

AA: now that we are back to zero, what’s the best way to quickly get to Platinum? Currently Gold

Girl i work with slipped on the ice and got 250k marriott points + $1000 cash. What are your recommendations for slippriest shoes?

Wondering what the comp is for SC’s & M’s at Canadian firms? All these American numbers are making me feel very underpaid...

What's your favorite tactical vehicle?

I just became a commander. I've always been a good soldier, but it's my turn to lead. I hope I do a good job. Any words of encouragement?

Take victories and defeats as equals! Nothing will teach young soldiers more than making mistakes in the heat of battle that almost cost you your life. If you're still breathing, there's something to learn. Listen to it.

Do you ever regret pursuing the life of a soldier?

I feel like I haven't seen the results of our efforts. The Middle East is still a mess. There's a war in Europe we won't take part in. Does anyone else feel this way?

I always have faith that everything will make sense, and we will move into a better era. Sometimes it's challenging to maintain that faith, but it's always there.

For those that have been in awhile and looking closely at retirement. Are you switching careers or if you did how did it go? What advice would you give someone four years out from retirement?

If you had to choose between the army and the navy, which one would you choose and why?

What makes a good soldier in your opinion?

The best thing about being stationed abroad was that I got to meet new cultures I never thought I’d see.

Am I the only one who fears a third world war is among us? I've been studying the circumstances that led to WW1 and WW2, and let me tell you, we're not as far as they were. I hope the better judgment of people avoids such a catastrophic outcome.

In many ways, I feel the same as before I enrolled. I don't understand how because I've lived so many things since then, but at the core, I feel like it hasn't affected me. It's weird. Am I missing something?

I don't know if it was only me, but I felt I couldn't truly trust any of my mates on deployment. Am I the only one?

We as the armed forces of the United States have a research department, but the greatest advances at the armament level come from private sectors, this could not be something counterproductive because if they sell a product to us, what deprives them of selling it to other countries?

Many movies romanticize the sacrifice of one soldier and leave them as a hero, but I have always thought that I hate that. Why would someone need to lose his life to be a hero? I believe the mere fact that we put our life at risk in service is enough to be a hero

What was your primary reason for joining the military?

My advice: Concentrate on yourself above anything else, follow orders but also know how those orders affect you, serve your country but never forget you are serving yourself first. The objective is not to die honorably but to survive dutifully. What else would you add?

There is a certain air of respect you get when you become a military professional. As long as you earn that respect, of course. But I like it, it feels good!

Does anyone else feel like they have become too utilitarian and objective?

Getting into the military helped my feeling of abandonment due to my father's absence. It sounds funny, but being in the military showed me another type of parenthood that I needed.