I’ve always avoided annuities but think this one from NY Life is interesting. It’s called a Variable Investment Fund and you can add an Investment Preservation Rider for a fee. The IPR guarantees your investment return will at least be the cash you put in.

Typical portfolio returns about 7.5% after all fees. The commission fee is 2%.

So you are attenuating some upside and paying a pretty hefty fee, but you are insuring agains the downside.

Thoughts?

What’s better, restricted stock grants or stock options?

Anyone loading up on XLM? Market seems too predictable with no crypto seeing a downward trend 2 days in a row.

Can someone tell me how to find the cost basis for my crypto portfolio on Coinbase app? Simple - here is the total cost you paid and here are the total gains / losses? I am new to crypto and Coinbase and I couldn’t easily find the above info.

California homeowners 3b/2b- how much on an average do you spend monthly on house repairs/maintenance?

I am retiring from real estate! It's been 40 long years of working in this field and I'm so grateful for everything I've learned. To the young and rising realtors out there: It's definitely worth it, don't give up and eventually things will get better. If you have any questions feel free to ask them!

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

Hi All - new to FIRE and trying to make the right decision around investing my bonus. My company works with Fidelity but I've heard so much about VTSAX. Is it worth opening up a Vanguard account for post-tax investments or are FZROX and FSKAX true alternatives? Thanks so much

Incoming EY SM. Can anyone tell me who EY’s pension provider is please? thank you!

What's the easiest way to start a side hustle? I feel like I have no hard skills, no knowledge of tech (website, blog, affiliate marketing etc.).
Any ideas for earning extra income?

Let’s share with each other how we are making or planning on making that income .
It is a strange time we live in but it’s time to hustle up .

Barclays folks here are behaving like they run Wall Street and know everything about investing. That’s like Trump saying he runs the world and knows everything about tariffs.

How would you invest $25k?

Need help! I am a working mom of 2 young kids. I have an offer for about $25k more than I make currently outside of public accounting. It’s 40 hours year round, amazing benefits, with a pension (cont)

Anyone enjoy being a realtor just to view different homes? Lol

Hello Everyone,

I have got an job offer but my car lease is on going....what are the options I have?

Hey - Might be moving from Florida to Illinois. Is there any way I can avoid changing residency and IL income tax? Realistically, will I be audited?

Anyone else have XRB stuck on Mercatox...got a lot of money there and can’t get it off their exchange..not to mention an XRB dev said to sell and get it off that exchange.

Can someone suggest a breakup of CTC so that tax can be minimised, my CTC is 11 lpa. I don't have any home loan currently.

What clearance levels require a drug test?

Looking to transition out of public with about 5 years focusing heavily on partnership taxation. What are some good roles and industries to be looking for?

Feeling burnt out on an innovation sprint. Any advice?

Could anyone share the payscale for C10 band?

Don't make fun but - could some experienced tax pros here rattle off the most important code sections a 1st year should be familiar with? I know On the job is good but being proactive is too.I'm in FS

Can a non audit KPMG employee outbof the Charlotte office get an auto or home loan from Wells Fargo? Or is that restricted due to independence?

Did anyone go to their local city’s protests?

Expensify vs All Birds Vs Nerd Wallet

Should I be worried if someone who interviewed the same day as me (albeit earlier) received an offer call the day of, while I still haven’t heard anything?

Do PwC NYC client service interns ever work OT? I know sophomore interns don’t, but I’m wondering if some of the more demanding lines of practice,like deals, require such @PwC

Anyone here in NTT Data UK? Can you share your experience working for them ? I got offered a principal consultant role in their Data pillar and needed some insight to make a decision. Also what is the salary range for a Principal consultant at NTT ?

My GF has trouble standing up for herself. She's on client travel and one of her co-workers made her really upset (very uncalled for and should have never happened). She called me crying. After consoling her I told her that she needs to go to her manager and possibly HR (yes it's to that level).
She told me she can't and she's not that person (she thinks she'll get the other person fired). She knows that she should and hates that she doesn't stand up for herself. What can I do to help?

Is it any surprise we’re seeing mass layoff in tech? Years of rich friends hiring rich friends with no work ethic has lead us here. I know way too many tech people who work maybe an hour a day followed by errands and traveling. A lot of getting in these places is who you know, apparently that doesn’t work out like it used to. The amount of people who worked for Meta, Apple, Amazon, etc for a few months / maybe a year is astounding. it’s around that time frame a boss can tell if you’re worth it

Hey PPMDs. With all that’s happening in our industry, how are you feeling? Appreciate candid responses so we know how leadership feels during times of crisis.

Moving to LA for a job, won't have to be in the office more than 1-2 times a week. Any areas to look into? Don't want to live downtown, would prefer some green space if possible - I have a dog. Maybe in the $2.5-$3k range?

Day 1 on Vyvanse. Anyone been on it?

Any crossfitters in here ? Glassman 🤦‍♂️

Dividend/income stocks you like?

A few i am in right now. IEP, CODI, BTI

Absolute bloodbath. But you already know we’re doubling down later this week when everything is on a big discount

Thoughs on LMND?

Who day trades / swing trades with another job? Any tips?

In particular wondering if it’s a sustainable side income or just for fun, and what are you trading (stocks, crypto, forex, futures, etc.)?

Thinking about shorting NIO. Crazyyyyy run in the last 6 months. Wait until earnings come out?

Joke’s on the stonkz market. Red’s my favorite color.

Any thoughts on $VRM ? Thinking loading up and holding for 2-3 year.

Which green economy, infrastructure stocks you are still buying or doubing down in 2021.

I have 50 shares of RMG. Once they merge, will my 50 shares turn into shares of Romeo power ? Or do I have to do anything ?

Considering buying a 3 week put to the UVXY ($55 strike) it spiked 50% this week in the past 5 years it only spiked higher than this twice; when shut down first hit (x10) and in 2018 (66%) then it went down within a week.

Y’all think this makes sense?

Starting to learn more about investing in the market. What’s the fastest way to learn? Have about $10k I want to invest immediately to get a feel for it.. Any recommendations?

Thoughts on gambling stocks? I have CZR, MGM, and WIMHy... want to hop in DRAFT KINGS before tomorrow 👀🧐?

I sold everything and living in the cave and the world didn’t end. Hope y’all are happy.

Just wondering how much is a good portfolio return on investment. I started investing in equities around 6 months back and have around 20% ROI.

Has anyone had issues withdrawing USD from Coinbase? I’m unable to withdraw my available balance to my bank account

Any good discord channels to discuss trading? All the ones I find are pure garbage

Who’s buying PLTR??