Is there an my reason my equity investments shouldn't be 100% US index funds? Idk why I'm supposed to do international, it seems like a very expensive insurance policy

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Hello All. I have offers from 1. PWC AC Bangalore (Senior Associate) 2. KPMG Assurance & consulting Gurgaon (Senior Manager in Digital Lighthouse) 3. Legato Gurgaon (Sr. Soft. Engg.) Please suggest in terms of WLB, career progression, projects and overall work env. Pwc is giving WFH but not sure how long will it continue for (will it be permanent?) Which amongst these will be a good company to work for at least 3+ years. Pwc AC KPMG Assurance and Consulting Services Legato Health Technologies

Hello, I’m an LMSW in Michigan. I have 15 years of experience in the field as a clinician, supervisor, and an administrator. I am feeling burnt out and unsure of my future. I have worked mainly in the Community Mental Health and the VA Health systems, hence my fatigue. I’ve flirted with private practice work in the past, but my spouse has been worried about not having affordable healthcare and benefits that each system provides. Is it worth the jump? Am I overthinking things?

I am moving to Charlotte, NC for a new job. I currently live in Portland, OR and have a single family home here. With my income, and current mortgage, I can afford a 350k house I’m Charlotte with about 10% down. What are the pros and cons of buying a new place in Charlotte and then sell my house in Portland?

Hello Sharks,

Any suggestions on best term and health insurance. And what points we should keep in mind before considering the option?

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

Type of work in Deloitte ops transformation in health care. Is it just tech?

I am leaving retail pharmacy after 15 years. I am opening a 403b pharmacy for a FQHC. I don't believe that retail pharmacy will be able to sustain itself with patient costs skyrocketing. I think people will become enraged or indifferent enough to allow the federal government to take over healthcare. How many times do we see people getting free prescriptions via government coverage that drive better cars than we do?

Does it always make sense to max out your HSA? I have ~$6k parked there now as a healthy 28 yo with virtually no healthcare utilization

Personal finance book recommendations?

Have an opportunity to finally get out of insurance defense. But not really sold on the firm. Could finally get out of ID, but then could also end up at another place I really don't like. Def want my next firm to be long term as I've jumped around.

Hello Fishes, Please help me in understanding the health insurance policy at Nagarro. Is spouse and parents by default enrolled in the default 3 lac amount? If not, what’s the premium amount I need to pay?

Did anyone randomly get a $250 deposit in their account from the government? I think it’s a child tax credit but I don’t have kids. How do I investigate this?

Do someone know about CVS health project in CTS? Can you guys tell me is it a good one?

Best resources for mental health among cops?

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

Why do firms not use vested stock options as incentive in earlier stages of career?

So...who is single and ready to mingle? ✍️

Anyone a manager? I’m recently diagnosed (26F) and I can’t help but beat myself up everytime I fall short of my to do list. Makes me feel like a huge disservice to my team. I’ve been trying vitamin D and working out, but it makes my “highs” and “low” SO extreme. The simplest things are so complex in my mind.

If anyone feels similar, how do you manage these feelings? I’m personally considering switching to an individual contributor role, but can’t help but feel like a disappointment if I do.

IP associate search in NYC — A+ firm looking for jr/midlevel with chemistry or biochem background. DM me.

I am offered a role with S&p global, salary negotiation yet to have.
Can someone please tell if s&p global is recession proof or not, I’m planning to join only if i get job security
I have offer from lti paying me 12 on 3.5 yoe??

LTI Information Technology Deloitte PwC IBM S&P Global

Am I particularly uptight, or is writing meant to be done alone, without a partner talking to you? With past partners, we chat through script notes and then I go off to execute. Current partner likes to sit and chat as I write. To me, writing is crafting a conversation. So I can’t talk to you and simultaneously talk to this audience. Of course I can just say “I’m gonna go write.” But since we’re both CD level, I’m like…is this his first rodeo? Maybe other writers are different though.

Just bought a house not too long ago and I want to Air BnB it out but was curious to know what kind of guests Seattle attracts? I have kids so I'm on the fence (moved from LA and refused to do Air BnB there because..it's LA).

It’s been 3 years since I (27F) moved to Seattle and still don’t have a solid social circle. Not necessarily a big group… I’m talking 3-4 friends who are easy going and not flakey/ hard to make plans with.

Idk if it’s due to Covid, Seattle freeze, a combination of the two or other factors. Any transplants out there who are NOT the outdoorsy type and feel the same? And if so, how did you get past it?

I have seen that Some people are seriously demeaning Publicis Sapient looks like they have a personal grudge. I would suggest to connect with your HR and manager in PS or look for right people on LinkedIn.

Just here to say I’m so thankful we have this safe space. People who aren’t diagnosed generally have misconceptions about ADHD and its symptoms, and I’m so grateful we have this bowl to seek help, learn from one another, and sometimes just vent! With all the negativity in the world, this bowl is that one ray of sunshine I so desperately need, so thank you everyone for what you have done and what you’ll continue to do!

Anyone from Houston? I’m moving there soon and it would be great to join the community in any way!

Does sap lab considers internship as work experience?

Any suggests on wording or verbiage for accepting an offer with another company that states it’s too late in the year to be considered for a merit raise the upcoming year also not eligible for a prorated bonus due to being hired late in the year?
Trying to get the salary negotiated higher and looking for a strong email counter offer to send to them

Is the EA role fading? What other roles can I transition to with 6 years of experiences as an EA?

I have an offer form APIsero. I need to go work on Salesforce. But they are offering Mulesoft. Please suggest some ways to get Salesforce. I need to be sure on that before joining.

I need a good reference article for DSO-SAAS specific

How do you explain a small resume gap?

On notice period 2 months left and have offer from Infosys with 120% hike.
.NET tech- 3.5 years of experience.(support)
No other offer as of now. Any suggestions on this situation. I am trying in other companies as well.
Can I depend on Infosys that they won't revoke offer or create any issue.
Also I am going to ask Infosys to postpone joining by 15 days as I don't have any Break post my LWD from current company.
Layoffs, offer revoke , joining postponed and hiring stoped... All this news 😥

Hi all, Is early release possible in societe Generale?

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

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

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

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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?

Anyone have a recommended tax person in Chicago?

Have about 5k to invest - should I do FXAIX or FSKAX?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

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 :)

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.

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

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

Thoughts on personal loans to consolidate Debt?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

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...

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?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Google stock to buy now or after the split?

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.

Any good wedding ring sources aside from Blue Nile?