Is it stupid of me that I scaled back my 401k contributions 12ish months ago because the market is so high? Considering increasing again but am wondering what y’all are doing?

Best place to put money after an HYSA? Ideally saving for a house in 7ish years. Currently contribute to 401k, maxed my Roth IRA. Looking at Sofi bank CD’s at 4.65% yield (6 month). Is brokerage invested in ETFs/Mutual Funds next step? TIA

It’s open enrollment season, and health insurance premiums are way up at my company (up 37% to $600/month for a family). Anyone else see big increases this year?

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

Morgan Stanley or Schwab? Which brokerage should i choose?

Senior dev working alone in an office, everybody is remote. Thinking of moving to PHX to be fully remote myself, currently in LA. Lower COL. Change to buy house. I like heat. Thoughts? Why? Why not?

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

What credit cards does everyone use to maximize rewards points? What bank accounts to maximize sign up bonuses?

Hi all - any advice for a first time real estate investor looking to make their first purchase at the end of 2021.

I plan on saving $50K, for a $350-400K property in the Long Island, NY area for my first property. Does this sound reasonable? And does anyone have any experience & advice investing in the LI area?

Id like to rent it out for some positive cash flow that I can then start using to save for my 2nd property (sounds easy when I type it).

Thanks all for your input - stay safe!

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Looking for whole life insurance. Who is better Mass Mutual or Northwestern or NY life?

Do Optum offers some relocation benefits. Like inital days staying at some guest house/hotels.?
If yes then to whom we have to reach out?

What are the various employee benefits that lilly offers?

Anyone at KPMG willing to talk about their Healthcare practice and potentially refer?

Does anyone know how to roll options in Fidelity’s app? Recently moved from TDA to fidelity

Has anyone went from saas to benefit consulting? How was that transition? Was it worth it? I hear in benefits you get a book with recurring revenue.

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Any benefits for employees by this merger?

what worked for you guys searching for accommodations in luru?

Any places you would recommend for a good massage in center city (not looking for happy endings)

Has anyone ever played Pelican Hills in SoCal?

Hiya Friends,

SAP labs HR said they will release offer letter, but 1 week passed, no offer letter given.

am I rejected? even after clearing all rounds?

Hi, will be staying in London next week. Does anyone have an Accenture rate code for the Marriot / Hilton in London?

I am a creative designer/animator with a leading medical tech company with 6 yrs exp and based in NY. Currently looking for new roles because of relocation requirement at my current role. Any tips or referrals would be really appreciated. TIA!

Applied for a role with Salesforce and had both a talent advisor and corporate recruiter reach out to schedule time to talk about the role. Is this normal for the recruiting process for two different people to reach out to schedule time? Is one more senior than the other/different approach?

Hi fishes,

As per my Offer letter there is component is Engagement PB.
Will this i get monthly ?

Anyone received first round application as an auditor virtual interview form Deloitte recently? Has anyone taken that before? I have clues about the written reposes. If anyone could tell me a little bit about it that would be great thank you!!!!!

When an agency is about to hire you as a creative lead but without seeing your book to find out what you had done in your career, is that a red flag to you as a creative?

Hi All, Wanted to know if we can work from UAE (tourist visa) with Deloitte USI laptop

What's the org structure at Deloitte? Is Assistant Director at EY GDS same as Director at Deloitte India?

Hi TCSers,

If anyone knows, what TCS UK gives in on-boarding kit? Do they provide iphone and macbook for UK employees?

Thanks.

A little late here, but any suggestions/recommendations or watch outs for an automatic standing desk preferably with charging attachments? Looking to invest in a decent one around $2-300 !

Are there actually tax cuts switching from home office in NYC to Hoboken?

When you leave your firm, how does the PTO get paid out? Direct deposit? Check? What's the timeline?

Has anyone made a big bet to try to attempt to retire early? It seems like everyone in this bowl focuses on traditional, conservative investing. Going that route I’m gonna be a wage slave all my life

Newbie trying to get a better understanding: is it better to max the 401K or just hit company 401K match and max Roth IRA first?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

New to investment and have saved 50k from my job. Is putting them in ETF strategy till I learn more about investment?

Would you invest in individual stocks if you're invested in a fund that includes those stocks as well? Why or why not?

Im single and will be 30 very soon. I have an emergency fund and a good amount of money in the market. I love the idea of maximizing savings but I’m sick of roommates and will getting my own apartment in the summer. I am torn between saving as much as possible in a less expensive 1 BR and getting my dream apartment. It’s a difference of ~$400-600 per month. Help😩!

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

I work in sf and Nyc and have now saved enough where I’m wondering if it makes sense to buy rather than rent an apartment as an investment. Tricky part is I’m still quite young and this wouldn’t be my lifelong/family home. Have also considered buying in less metropolitan areas and renting them out for passive income. Curious if anyone’s gone through this process before and have thoughts ?

Have 200k to invest in real estate. Which option is better recc. Pros/cons?
CONT: For options —>

Saving $20K for an engagement ring by EOY. Should I put it in a dividend ETF to fund the band or is that too risky?

Thoughts on below upcoming IPOs?
1) Clear Secure
2) Krispy Kreme

How did you get up the courage to invest? I max out the annual allowable contribution amount for my 401K, but otherwise I’ve got everything in savings. I have no debt, just a bunch of excess cash I’m too scared to do anything with. I know this is irrational - I’m above the FDIC-insured amount and I’m also losing value to inflation. I’d like to get to a position where I have maybe 14 months’ expenses in cash and the rest in investments (probably low-fee index funds).

At what point would/do you plan to pay off your student loans in full? Say you have $30k in student loans. Would you wait until you have $30k in savings? Or $40k to have a $10k emergency savings buffer? And so on. This is assuming you make the monthly payments until you pay in full of course. I understand this will vary based on your financial strategy but would love to hear some insight on what you chose/will choose and why!

What is the value of / case for hiring a wealth manager with management fees (say 1% of holdings) as opposed to investing directly in ETFs/index funds yourself (through any of the brokers like Fidelity, Vanguard, etc.)?

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.