Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

What happens when you leave 1 month before the 3 year mark? Do you forfeit pension and partial 401k vesting?

Whats the second source of income for a IT employee ?

Recently received 30k and wondering what to do with it. Not yet a homeowner but also not sure if we’re ready to buy anyways. Have a young baby. Any advice on how to figure out best use?

How much do partners pay for health insurance?

Does anyone have any suggestions on small side gigs or other ways to make some quick cash for the holidays?

Hi Fishes,

Citiustech healthcare technologies is hiring for multiple roles. Java,C#,.net,Angular . Training will be provided for senior software engineers under Java impact program with attractive bonuses.
DM me if interested..

Anyone think the federal reserve will end up buying bitcoin to create some stability with the dollar?

Hi, I have 2 offers below,

1. 50lakhs per year in Bangalore
2. €105k in Netherlands

Considering the economic crisis due to war, inflation etc. I am confused on which one to select. Please guide me.

Is this the official Amex Fishbowl?

Hello, I'm a recent graduate with a Bachelors in Healthcare administration/ Management with 3 years of experience. Any advice as to where to apply for healthcare admin jobs in the Bay Area or Central valley. Looking to go into healthcare consulting as well. If anybody has any advice it would be very much appreciated thank you.

What do I do with a defunct company stock that still sporadically has trading volume? For reference, it went permanently out of business I. 2016 (chapter 6) but the stock still trades occasionally. Do I need to sell so I can claim the loss or will it just automatically go to 0 at some point? I would have expected it to happen eventually but it still has value (about 2 bucks for 200 shares lol)

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Heading to Buenos Aires and Montevideo tomorrow. Will be in each city for 1 week. Are credit cards widely accepted or do I need to exchange cash before I go. Thanks!

It’s will be curious to see who is buying here, vs wondering about “no dips” later on

Hi fishes, I have a few questions about employment with Nokia for the role of Senior data analyst.
1. How is the company in terms of growth and learnings, for data analysts?
2. How much shall I expect in terms of salary and benefits?
3. How about work culture and wlb?

I have 12 YOE

Advice for someone moving to SF for an entry level job? I want to start off strong but realistically I'll be spending nearly half my income on rent.

IFRS question. A long outstanding loan (more than 5 years). Borrower has stopped operations years after loan was issued. Should the loan be fully impaired? If not, how should PD be calculated (can't get equivalent PD of the credit rating since there's no more tenor).

I got good internal hike last year like 30% but it's not upto market standard, can I ask for hike again this year amidst this recession times? I know they are recruiting new ppl with much more salary than me. Any suggestions hiw do i start the conversation

Hello Everyone 🙏,

I have 7 years 3 months of experience as a full stack developer front end react backend go Lang,
My Current CTC is 25 offer of 37 and i have cleared the all rounds of Nokia i will have salary discussion might be tomorrow,
How much should I ask to Nokia.
I am planning to ask for 45 but not sure they will be able to match my expectation.
Can you please help me what will be good CTC that i should ask.
I have 28 days of notice period left
Thanks 🙂

I learned so much about group work over the past few days. I now know to assign kids tasks in a group. I am planning a Socratic Seminar for R &J and Julius Caesar. Any insights or feedback?

I love my SO. We’ve been together for nearly a decade and are talking marriage. I know being with him though will require living far from my family. I love my family and dread the thought of being far from them. My SO has been transparent about wanting to return to his home country. I don’t want to lose him but I also dread being far from my family. What’s the right call here? Fwiw he’s lived in my home country for about a decade now but has been able to visit his pretty easily (cont)

Best self-care tips for dealing with loneliness/sadness this time of year? This is my first Christmas without my mom and it just feels like nothing will ever be the same again 😭. If you’ve lost a parent can you give me advice on getting through the holidays? Being a parentalish figure to my students is both healing and heartbreaking.

What’s the point of having multiple awards for “craft writing” if your agency only sees you as the translator?  🙄

Does anyone work at CrossCountry? What’s the work life balance like compared to Big 4?

Hello fish, I’m wanting to move from London to Singapore at Manager level in operating model design. Anybody have any recommendations of companies (aside Big4) that are sponsoring visas at the moment, or good international recruitment agencies? Seems highly network driven from what I’ve seen.

Hi all, I'm looking to grow my network as a Front End Developer and would love to connect with fellow developers/web designers.

Any opportunity in Gl in .Net position having 5.2 years of IT experience and 3.8 years experience in .net.

Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

Does anyone manage without having a nanny? Kids age 0-10

What are some of the more common exit jobs that audit managers take?

I think the Matrix is broken, I just had a déjà vu.

Hello!
I am new here and would love to get some likes, so I can DM people. Thanks :)

Hi ,

Currently how is the bench situation in cognizant ? does it have project openings for Java+ Spring Boot + Microservices . Any new Joiners with similar skill set please share you experiences like how many days does it take to get assigned to the project with this skillset.

I have joining in Cognizant this month end, Please help me with the info.

Hello Fishes, did you receive market correction of salary in October 2022 ? If so, what is the % correction ?

I have 1 year of experience in HR. Is there anyone who can refer me for HR operations in ABB technologies? Infosys Tata Consultancy Accenture IBM Flipkart

Accenture strategy folks.. can someone confirm if work from home is about to end?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

In your opinion which is the best target fund to choose in IRA Roth?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Any good wedding ring sources aside from Blue Nile?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Thoughts on personal loans to consolidate Debt?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

What does 401k mean?

Anyone ever use a credit repair service and have success?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.