Open Enrollment Q:
Debating between High Deductible (for HSA) & PPO options.
My spouse has some expensive medications. Annual insurance allowed amount is ~$40K for us in 2021. Since we are currently on PPO, we only paid ~$500 out of pocket.
With a high deductible plan, we would pay ~ $7K out of pocket since HD Plan only pays 90% after the deductible. Is there anyone in similar situation? Does enrolling in a high deductible plan for HSA make sense in this case? Anyone in similar situation?

Iam 5 month pregnant , thinking to get release from project due to health issue and taking maternity leave from april 1st, at this situation can I be in bench for 3 months and go in maternity leave ? Will this affect my job in Accenture? Will the organization allow to be in bench for 3 months? If iam in bench during maternity leave will i get variable pay

Does anyone have a holistic doctor, nutritionist/dietitian, or orthopedist they like? I went to a family doctor and she was wholly unhelpful in my questions regarding diets, vitamin supplements, testosterone and longevity.

Is there anyone working in Marketing/Product Management for a health tech firm in Atlanta? I would love to chat.

Where can I get tested? Any place to make appointments or is it just walk in?

Has anyone managed to get their first h1b stamping done from a non-home country? Is this advisable if I am not able to find appointments in my home country?

Blackstone is not rushing to invest due to the first quarter results.

New Jersey partnership question.

Partnerships need to use market sourcing for purposes of calculating NR withholding tax (though NJ doesn't even call this withholding anymore).

However, for purposes of calculating the NJ distributive share of income, you apply Gross Income Tax (personal income tax) rules, which is 3 factor and includes COP.

If I end up with 0% apportionment under GIT and 10% apportionment under CBT (withholding tax), the partnership pays tax upfront but NRs get 100% refund?

Do you think that we're looking at another lockdown soon?

Can anyone tell me about infusion nursing? How did you get into it? (I see a lot of job postings but they all want experience.) Also I got my RN early in the pandemic, so I never got a preceptorship, and I’ve since worked mostly in immunizations. Took a phlebotomy/IV course for more practice, but… any advice?

Hi Fishes, I got an offer of 6400 PLN gross from a bank in Warsaw, Poland. So should I accept it or not. I am a single person so will i be able to survive and save some money with this salary or not???

What stocks are you surprised have held up relatively well during this sell off? For me MDB, DDOG, and of course GME

How does everyone manage SAD during the winters. Feeling so down and not sure what are the best ways to cope.

Best books about product management for a good exit to industry? I already have an MBA and PMP but looking for a refreshed perspective since it’s been years since my formal education.

Currently reading “Product Managements Sacred Seven” but it’s geared toward the startup world. I am in healthcare and not looking for a startup role. TIA!!!

Hospitalizations, deaths are rising in the U.S. while variant presents new risks.

The pandemic, mental health issues, and financial stress caused my work to suffer. What do I do?

Personal finance book recommendations?

I am so nauseous and have been eating straight carbs for over a week now.. Any healthy lunch/breakfast ideas that would be easy on my stomach?

Hi-I have 120K in cash in HYSA. After keeping emergency fund aside. Still have 75-80K available that I plan to invest. After 401k, HSA, IRA and monthly expenses: we are left with 6K every month. So investing 12K every month in market. My worry is with that rate - it will take us 12-14 months to move the extra 75-80K mentioned above. However do not want to make a bulk move. Any advise how to plan the switch. At present have 60K invested in stocks. Thanks

NFLX 220 a great buy or catching a falling knife?

I need a change so badly I’m on the verge of tears almost every day. I’ve invested so much preparing for this career. I know I have so much talent that’s not being utilized. I feel stifled and stuck. I don’t need the health insurance but I’m terrified of giving up financial security. Any suggestions in NH for a sp ed with a MS in ed tech integration and a CAGS in Ed leadership. I am driven by identifying systems and creative problem solving and also have a background in art & design.

I am in my final interview for a product manager role. I am currently a senior product manager at Amazon. The only role that they had available at this company was product manager. Someone I know is joining as a senior product manager with less experience than me. What's the best way to address this?

I wanted to know the culture & work life balance at credit suisse. Currently what is the situation in Group Finance department.?

One of the company asked if i could join as early as in 1.5/2 months where I have 3 months NP and haven't put papers yet .. i asked one of my senior in my team about this who's already resigning...and she has told about this to the entire team 😶. I realise it's my mistake asking her :p
Now that I'm not hearing back from the company which I gave interview and my environment at current project is a mess atm...Should I just put papers or bear with it till I fine another one..??

I have an offer for a Senior Consultant role from PwC India. Need to know how are yearly hikes, bonuses etc.

Any feedback on Gitlab? Got an offer in their mid-market space and want to hear about internal experiences.

What happens if you quit your job while in the process of getting a clearance?

Any BCG Platinion Cyber folks here?
What kinna work do you guys do? Planning to make the switch after 5 years with Uncle D. Wanna hear from you guys about culture, projects and areas of expertise.

McK associate equivalent at Accenture consulting?

Hi
Any openings in Office 365 along with Azure AD.
I have totally of 4.2 yoe.

Hi fishes,

I have 3.6 years of experience in automation testing.
I have offers from Publicis Sapient for senior associate l1;
hyland Kolkata for Test Engineer 2;
bny mellon pune

Package is almost same in bny and ps.
hyland giving 2.5 lakh less

Which will be better to join

I received an offer from a boutique litigation firm and a large law firm on the same day! I want to take a little time to consider both. What’s the typical time frame to respond?

Anyone looking to case in the next few days?

Hi,
Just wanted to know when can one expect promotion from level 6 to 6A, or 6 to 5? Or is it directly after 2 years?

Also, what is the hike possible from 6 to 6A?

Does using a 401k Loan to pay off Credit Card Debt, Student Loans and build an emergency fund make sense? know it takes away from future returns but wanted another opinion or experience from it.

What are the best cities to live in for FIRE?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

If you expect to buy a car and a house in around 10 years but don't have specifics in mind, would you reduce 401k contributions to save for those? If so, what asset classes?

This may not be enough money to be FIRE-worthy, but I have $5000 that doesn't need to go to either of the two tuitions or two mortgages I pay. I have absolutely NO investment skills. I set and forget my 401k and IRA and my savings is in good shape. How can I make the most of this rare extra income?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

When do you predict the dip? I've been waiting for so long, but don't want to buy now. VTI seems inflated.

Anyone have experience buying franchises or opening stores/businesses? Wondering how feasible it is to do this to move out of the rat race if you have the funds

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Hi,

I am 25 and am moving to NYC for a job that will pay 200K TC.

This is my first time making like serious money, so not entirely sure how I should break up my spending.

What percentage of my income should be going to savings/retirement? How much should I spend on rent?

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

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

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

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Currently 23yo with $65k in cash and $14k in student loan debt. Not sure what the best course of action is. What would you do?

I’m new and super behind on all of this stuff but trying to learn. I’d like to invest in an index fund and have heard there are some that, while they require an initial investment of a couple thousand, only require a $50 per month deposit thereafter. Anyone know which brokerage accounts allow for this? Any other recommendations/tips/things to consider? TIA!

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?

What is the best way to get annual cash flow (outside your regular income) without buying a physical asset? I want to generate $100k in incremental cash flow and looking for ideas..