My wife and I are first time home buyers and are struggling to figure out if we should go for a 20% downpayment (which will be kind of a stretch for us) or go for lesser DP, say 15% or 10%. The fact that a less than 20% downpayment attracts additional mortgage insurance (PMI), we are not able to make up our minds whether we'll be better off paying extra money in insurance every month or pulling our means to pay full 20% down.
New parent here. What is the dependent care FSA eligibility criteria? Is there income limit, do both parents have work, etc to be eligible?
Why do foreign banks in India like Citi, JP, Barclays etc don't offer subsidised loans to employees like other Indian Banks. Banks like HSBC,Citi did offer personal loans but no rebate to employees. Why it is so ? In case I am not aware do any of them offer these simple interest/ low interest loans ?JPMorgan Chase Citi Barclays
New to the US and I'm about to start my first job. I'll be having a 401K through work
How does 401K work? How do I grow my money in 401k
Is there a specific bowl for financial guidance?
Hey y’all! Anyone from CVS Health willing to lend a hand by connecting and providing a referral for a role I have my eyes on? Back on the job hunt after taking a break for a while 😊
Has anyone used a fitness/health/life coach? What was your experience? What was the cost?
Is there a standard rule in terms of how much you save vs. Spend out of your take home income? For long term financial health.
About to become a father and thinking of renting a larger place, rent will increase by $500, other expenses will increase by $500 and ultimately I will save 60% of take home.
Worried a little and wondering if it's still a good saving percentage.
Any of the larger shops or major market agencies have IVF covered by health insurance?? So far my search has turned up nothing (beyond Amazon).
I graduated in 2012, but did not get my first litigation job until 2014. The market in my area was horrible at that time so my career’s involved a lot of stepping stones. I started out doing PI work, then accepted what was supposed to be a commercial lit job that turned out to be insurance defense. I’m now finally in a commercial lit job but not getting the experience or autonomy I want. I’ve done a small amount of labor & employment work and really like it. (Cont.)
About how much does health and dental insurance cost at WPP agencies? I’m freelance now and pay about $340/month for health and $40/month for dental, via my state’s exchange. I’m thinking about switching to full-time.
Is it worth getting a watch insured?
Got a new sub date and cannot decide if it is worth it.
It’s more of a weekender time piece for now that I plan to never sell. I understand you can add it to your current home insurance but it only covers up to $1,500?
Can someone please explain what type of life insurance I should be purchasing? I’m setting up life insurance trusts for my wife and me and now need to purchase the actual policies. We’re late 30s, 2 kids, lots of assets. I’ve spoken to 3 insurance brokers and they are all inconsistent in what we should be getting, so don’t know who is scamming us! Term life, whole life, universal, etc. Why isn’t this shit taught in like high school? Something so important shouldn’t be complicated to get right!
How much of FCB’s work is healthcare/pharma at this point? Seems like a majority of their creatives just work on pharma.
Has anyone dealt with being laid off early in your career? / have general uncertainty about your career path? Things aren’t going so well at my firm and it’s really impacting my mental health
Traditional 401k vs Roth 401k vs mix?
I am earning 16lpa for this financial year April 21-Mar 22.
In that 16 lpa I earned 1.5 joining bonus.
But when comes to paying tax - total I need to pay nearly 1.6 lpa..
Finally no use of getting better CTC offer.
How to overcome paying heavy tax.
Note :- person who struggles for a day earns 16lacs - after deducting the tax he earns 14.5 lpa
When other colleague who enjoys daily and work for 5hrs/day he earn 14 lpa - but no need to pay tax at all.he was gaining all benefItsby old regime
But wat da use
I’m a second year associate interviewing with an insurance defense firm that litigates life insurance, health insurance and ERISA disputes. What should my salary expectations be?
Best podcasts for commutes? Typically listen to music on Spotify, however, with the longer drive I need something more to keep my attention. Could be work related- my interests are leadership, healthcare/acute care, or just an easy listening series.
Looking to relocate to the UAE in a strategy consulting role.
Current profile: 6 YOE, KPMG, Advisory support role in India
Does messaging HR in Linkedin work? I've been trying to get some leads, but no reply so far.
Could you guys please help me out here. Never made a job switch before. Not sure what's the best approach.
Opinions: Tuck this year, or Sloan next year? Assume Sloan next year is “guaranteed” for the sake of argument and no $ either way. Want to do tech product strategy post-MBA. Turn 26 this year.
Have been working for 3 years now on my first full time job and recently went to market searching for better compensation and WLB. Got an offer and current employer countered.
134k/25% (3 months meets)/11k
TC first year 179k (incl sign on)
then 186k (backloaded vesting)
120k/16% (2 months meets)/38k
(numbers in SGD, continued in comment)
Any S1 here from PWC NYC Audit?
Anyone have any advice/tips for the ABV exam? I have zero valuation exposure aside from college classes and some damage calculations I had on a forensic engagement.
I am a recent graduate from the University of Georgia with Bachelor degrees in Journalism and International Affairs. I am interested in starting my career in broadcast and/or audio production or any entry level producing position. With that being said, I was wondering if there is anyone that would be able to chat about their experience as well as any potential opportunities and companies that are hiring.
Please provide referrals or leads for the legal hiring in BIG 4.
I hold 3 years of experience in Legal Contract Management and have done my LLM too. Pls DM or connect. Your input would be highly appreciated.
Short of committing to the CFP program, what other designations do people think are the most useful/effective?
I’m a junior associate and am wondering how do you guys organize your day when working let’s say on 3 different deals? How to decide to work on each deal? Or like prioritize each deal? Or focus on one deal and then the other ? That includes: drafting, deal management, emails etc ? Trying to be more organized here
Anyone know a photographer in the Ft. Myers area that can do a simple store front photo quickly. Well once it’s not raining there.
hi guys i am going through interview process for cognizant....got selected in 1st round...need to know how many rounds are there...?? how much percent hike i can accept??...and interview process conducted by third party are genuine or not??
Criteria for getting promoted to Senior from associate at Big4. Does everyone get promoted? If not, then how can one improve their chances?
If anyone have opportunities for Datastage Developer or ETL Developer in their organisation, please help me with your referral.
I can join soon as my last working day is 14th November.
Any leads are appreciated. Thanks in advance.
I'm trying to negotiate a better salary as a market research consultant in the Bay Area. Currently earning 85k base pay, but I feel this is lower than average in this area. Currently on the path to become a director this year - just to give you an idea where I am right now. Tried Glassdoor but I feel that s skewed down a bit. What do you think? Fair salary, too low, too high?
Considering offer as assistant controller at a small HF shop. Currently audit A2, will be promoted to S1 this Summer, and in HCOL market. No CPA.
Haven't gotten the details yet, but recruiter sent me for 95-100 base, expecting ~20% annual bonus, full medical dental, free lunch and gym FWIW.
Is this low? Is it worth sticking around 1 more year as senior for potentially better? The position has a lot of growth potential, as the shop is quickly expanding. What other factors do I consider?
Does anyone else love having ADHD? Granted, it’s a love/hate relationship and I’m completely glossing over the ‘hate’ aspect but I absolutely appreciate how it’s taught me that I think differently. Further, I’m often able to give things fresh perspective or interject alternative viewpoints.
Additional Posts in FIRE Financial Independence Retire Early
Can you max your employer traditional 401k and do a backdoor Roth IRA? I.e. $19k traditional 401k + $6k traditional IRA converted to Roth. I don’t qualify for non backdoor Roth.
What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)
Fellow FIRE, help me prioritize how much house I should afford. NW $2M+, income $250k. Have about $300k cash saved up as well as current house paid off (worth around $340k). I don’t want to commit to spending a large part of my NW on debt/house, but also want a nice one. Engaged, mid 30s. Thinking the $600-$800k range in MCOL area. Am I being too stingy?
Thinking about getting into Real Estate investing via Fundrise (or similar platform) in addition to REITs. Anyone have a platform they recommend? Do you prefer it to REITs?
I make 70k CAD and want to get started on my FIRE journey. Any tips? I don’t have a lot of savings and I have only just started. Pretty scared seeing the housing prices 😢
I am brand new to investing and grew up poor so I apologize for the dumb question. I put $5,000 into a robo-investor two months ago (Wealthfront). It now says it is valued at $5,050. Is this normal?