New to FIRE - I’ve been in a lot of debt for a long time, and I’m over it. I’ve been working on lowering interest rates on loans, and now I want to start some really basic investing outside 401k. Thoughts on vanguard products (to connect accounts/ meet Deloitte reporting requirements)? I need it to be as simple as possible. Thanks for the advice!

I’m a Canadian on a TN visa. Am I allowed to trade crypto on Robinhood? If so, can I trade the same coin multiple times in one day (day trading)? What tax implications would this have for me other than the standard capital gains considerations?

I know this is small dollars, but my firm only pays $25 per months for my cell phone. We all work remotely, so using cell a lot. Is it silly for me to push for full reimbursement? Is that pretty standard?

What is the firm doing about retention/turnover? Any discussion about improving benefits? 401k match? Pto?

Hi - I have never used this. I’m planning to schedule fertility test. Would this programs offer me any benefits?

Thanks in Advance!

Hey folks, need some help with PF details.

Let's say a person join a company X and then switches to Y after few years. Again switches to company Z after few months. Now the thing is both the previous employers provided Pf but the new company Z which is still growing doesn't have a pf contribution since it is starting out in india. What would happen to existing PF accounts if not withdrawn , will it earn interest? What would i need to do as an employee? Any timelines to follow?

Does someone have information about Kearney Dubai. Would be highly interested in getting some insights about team events, benefits besides salary as well as hotels or flight classes. 

What was your 30 day PNL %? Gaging where my 187.8% stands as I’ve been hit and miss on buying weekly dips.

Any thoughts on why ETH is fluctuating so much?

Going with a solo 401k so I can borrow 50k if I need it for buisness purposes in the future with no questions asked and fast what companies should I look at?

Does Persistent Systems gives reimbursement for Internet/ Broadband wrt WFH ??

Why do recruiters never tell you which agency they want to talk to you about until they get you on the phone? I don’t want to waste anyone’s time and it would be helpful to know this info from the initial outreach. My experience with this only applies to healthcare, but would imagine it’s the same in consumer as well. Anyone?

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

What are the perks and benefits working in GE Healthcare? Bangalore office..how are they in terms of pay scale?

Looking for a new HR opportunity in the Madison, WI area, or remote work. Any leads out there? 19 years experience, SHRM-SCP certified. Tons of employee relations, talent development, benefits, payroll, experience! Still growing in comp administration, and enjoying aligning people strategies to organizational goals and objectives.

Does anyone have any good self created templates they’re willing to share for use in the context of stock option planning?

How is ProcDna firm in terms of wlb and monetary benefits?

When determining your retirement spending, how much do you anticipate and budget for healthcare costs? This is for the US.

Is anyone familiar with McKenna Capital? I’m interested in investing in a real estate syndicate and McKenna looks compelling. Hard to tell if they are legit or potential scam?

Is Microsoft hiring for candidates with a healthcare background?

I’ve been with my company for a year and reviews are coming up. I accepted a lowball offer coming in for long story reasons, and have been actively working toward a promotion and increased salary cont

Yes, everything you hear about YETI is true. So many people asking and turning them down, you did right. There is no need to lose sleep over it.

Hey Fishes,

Will ECBA (Entry Certificate Business Analyst) certification by IIBA be helpful to me in my career ?

My background-
* B.E in Computer science
* MBA in Systems and Analytics (2019-21)
* It's been 6 months I am working as an Analyst- Data science at Infosys

Anyone else get shafted on promotions?

How do you report your CPE credits to the state board? I know firms usually have a tracking system, will they automatically be sent to the state boards or something? And what do I need to do if I leave the firm?

Best Halloween parties in Los Angeles?

What is the salary for a ‘H4’ band?

Company on track for 22 goals. Traditionally included 2% profit sharing at YE, this year however comes with a unique caveat.

The CEO added a qualifier, to be eligible for the payout one must agree to and sign a binding arbitration agreement. In the CEOs email to staff he indicates these agreements are standard in most companies and typically required for new hires.

I’m curious to get insight from others. Is this standard practice and generally required for new hires? Something feels off.

I’m seeing most of the commission only jobs are mainly cold call sales. Is that the industry norm? I’ve only done inside sales salary + commission.

Who is still having issues? Mine currently
1) Wrong lifetime night count (wrong on one and zero on other)
2) Missing reservations
3) Missing past stays
4) Discrepancy between website and mobile app

How many of you have left or are planning to leave therapy, and what did you transition into?

Strategists / planners: if your boss asked you to put together a wishlist of resources that would make your job easier / better, what would be on that list?

Would you rather be a big fish in a small pond, or a small fish in a big pond?

What should be Package after 4 years of experience in Service Now and overall IT experience is 4 years.
I am currently in Ireland want to shift in India permanently.
2.6 years Capgemin in India
1.4 years Irish Firm in Ireland

I did my masters too in Ireland
What salary should I except

I got offer of 148+ ,10k bonus from deloitte on sc role.I am currently on h1b.. currently on 102k and there will be increase in salary for us this year and some bonus.. I was not actively looking but now confused should I join.. looking work culture etc. Need suggestions.. thanks

A lot of people here seem to glamorize MANGA positions - good pay, and good WLB. There has to be a catch, right?

Hi Guys, I am on a Systems Engineer position at TCS working in middleware technologies in integration area with 3 YOE, having GCP certification . Now I want to switch. Can someone suggest me for which job position I should apply in Capgemini?

In my notice period in TCS decided to hunt for interview in other company after one month, within 3 months i should able to get any offer letter from companies.m I doing the right thing,any openings please let me know guys.

Which are the best forex card for an Indian travelling to UAE for a 2 months work engagement?

Currently making 70K and I usually up my contributions each to start each year. I'm up to 10%. How should I split up my mix? Currently all in traditional.

Plan is to get this higher as I eliminate debt but 10% is all I can afford to do for now

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Has anyone used Motley Fool’s stock advisor program, and found it helpful and worth the membership access?

I think everyone on this forum would be really fun to work with compared to the corporate zombies I often interact with. Have you identified other FIRE peers at work? If so, how did you find out and what did you think of them?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Is there an app where I can see all the list of credit cards and the balance I owe, where the app doesn’t force me to enter bank log in details like mint

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

Best long term investment strategy against inflation to get to a large nest in for retirement?

Anyone investing in index annuities? Can someone explain why this is beneficial?

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

Does anyone know how to get funds that was in a 401k account years ago into your current IRA?

For those of you who made your first million in net worth, what did you do next?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

the more I want something, the harder it is to achieve. anyone has this feeling also?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.