Is right now a good time to rebalance my 401k. Want to move everything out of target funds to index funds. But worried it’s not a good time

Would tech ib (m&a) be more affected than say Healthcare/pharma ib in an economic downturn?

Is anyone investing in liquid funds? How do they benefit and what are their returns?
Recommendations are welcome.

For tax purposes can I select which "lots" I sell? I'd like to harvest some ST losses to offset some other realized ST gains.

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I have a MHA, MBA, and BSHA. I’m wanting to get into a supervisor or manger role but I don’t have the experience. Does anyone have any suggestions on how I dive in and start getting the experience I need? I live in Washington and work in Oregon. Also, anything using my MBA would be favored as well, this degree is not healthcare specific. Thank you!

I received my fnf from Accenture today. I don't know why 18k as 'other perquisite' is mentioned in income tax computation sheet?

Was just on a call with my mother who claimed someone helped her bought an investment target that has high consistent return (>25%) without loss to principal and low risk. Is this possible?

Am secretly freaking out because she doesn’t know what she bought. It is her own money but I wonder if it is my place to step in…

What does 401k mean?

Should I take an L on Paysafe? Feel like none of these SPAC stocks are going to have upward movement anytime soon

PwC 🐠 - health insurance coverage. What are the deductibles for the high-deductible plans? Still want to use the HSA. Thanks!

Just got a little tipsy and impulse-bought a $2,000 82” tv. Hope it’s worth it.

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

Does anyone have sources of health insurance cases for prep? Having an case interview with an insurance company coming up

Monday Wordle :

Wordle 401 5/6

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Would you cash out refi a rental property to buy another rental property?

anyone else feels stuck at current job, but not able to apply due to upcoming paid maternity leave benefits that you don't want to miss out on? currently still in first trimester !

Where can we check legitimate cutoff for Canada express entry PR?
How often do the results come out? is it every month?
After submitting your profile in how many days can one expect to get Invitation?

Hi All,

What is the advantage and disadvantage of working in SAP labs as external worker

Thoughts on Prime Ocean here?

What are your favourite free SEO (technical and/onpage) courses or certificates?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

What’s the best site to put your condo on rent other than Kijiji & MLS?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

I have 5 YOE in Analytics... always thought I wanted to be a DS, but every job (even the junior ones) required experience in ML development. Though I am part of the ML project, I'm not the person develop the model. And I have a hard time when the interviewer ask about how I develop the model and what hyperparameters I tuned. I know the thought process and stuff but 'I' wasn't the one who did that part in the project. How to convince them that I could do the job without taking credit of others.

Hi, Anyone working in Virtusa with BT as Client?

For those at RJ, can a client fire their advisor and leave the assets at RJ if they want to self manage? Any fees around that?

Hi , wanted to get some feedback on following position offer in New Jersey area
Senior Manager for pricing startegy
I have 4 and half years of related experience,Masters degree
Base salary offer at 150k, 21% SPI and 10% LTI
How much room I have for negotiation, whats the fair market rate for this level?

HELP! When using other offers to negotiate salary, does the employer usually ask for proof of your other offers that you mentioned? I’m super new to this so I’m just curious.

Also, if they do ask to show proof, is that a red flag? Or is that pretty common? If so, I imagine I’d just block out the company name and stuff like that?

Im not sure but how much do normal warehouse managers make ? I work ina start up that a makes a substitute for peanut butter for people with nut allergies

“The shaft is not always welcome, but but hole always is.”

I recommend books I've never read to people who ask for book suggestions.

Can anyone ask for offer revision after offer acceptance in zscaler?

I’m already sick of Joe Buck.

How much time does novartis take to reach back with offer after salary discussions round where I conveyed my expectations ?

Anyone using roofstock? Model seems really interesting. Would love to talk to someone using it.

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

Would you cash out refi a rental property to buy another rental property?

Is there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

Has anyone used individual citi wealth management account?

Any feedback on the same?

Leaving firm and thinking about what to do with my 401k. Any reason not to roll it over to my own IRA vs leaving as is or moving to new company 401k?

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?

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...

Roughly, what is your net worth allocation? 401k/ after tax brokerage account/Cash/Real state equity /etc?

Considering opening a 529 plan to fund my MBA in the future, is that possible?

Thoughts on pionex?

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

I’m a 26F basically starting over, all cities are an option and don’t have a lease holding me back. I’ve always wanted to get into real estate investing and have been tossing around the idea of buying a multi-unit property to rent out and live in. Issues are 1. I don’t have any particular city I’m set on, 2. Because I am sort of starting over those around me keep advising I don’t bite off more then I can chew/tie myself down so quickly. Any advise from those that do have investment properties or

Just a discussion thread, but I feel like this is a good bowl to ask this. Does anyone else look at the vast majority of folks around you and think “damn, we are so over leveraged as a society?” Or am I just crazy?

Does anyone follow the 3-fund portfolio? If so, could you share your 3?

Should I get an accountant/tax pro? I’m sick of paying for $200 for turbo tax and still having to do all the work. I’m Buying and selling (mostly just buying) equities through multiple brokerages, maxing 401k and accruing interest on multiple checking / savings accounts. Not rly any tax breaks. Would be willing to pay up to ~$400 for some convenience

Recommendations for a Roth IRA?

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

Got a hefty joining bonus and the taxes trimmed it almost into half. What did I do wrong? Will I get some of it back when I file next year? Also, anything I should do going forward? I don’t have a tax adviser and have been doing it myself so far