Prefacing this by saying i really know nothing about stocks.
Do any entry level paralegals out there use EverLaw? Is it easy to learn and does anyone have recommended resources for managing e-discovery? Im starting a new role that is heavy in e-discovery and need to hit the ground running.
I start a new position in finance next week and just found out I’m the only black women on the team. Any advice?
I am a skilled nursing facility biller and collector for Medicare & Insurance, my job can absolutely be remote but the company I work for refuses to allow employees to work remotely. I’ve been with this company for 10 years and am looking elsewhere to find the same position but remote so I can move out of state. Noticing that other companies don’t pay billers well, making me feel stuck. This job is a lot harder than people realize and feeling like I already don’t get paid enough. Any advice?
Hi, My senior is having 12years of experience as developer(7 years in C++, 4years in Angular). Currently working in Angular. Is there angular opening for her?
How do I transition from a Senior Executive Assistant role to Project Management? Ideally I would like to work in tech. How should I go about this? I currently work in the Real estate industry so it would be a totally new career path. The reason I want to move into tech is I feel like many of the companies I see have the same values as me (diversity & inclusion) and a good culture is so important to me.
I recently interviewed for Sap Basis Position for banglore location. I got through the first two technical rounds and appeared for Manager round yesterday. Just wanted to know what are the chances for getting selected/rejected in that. The manager had took time to explain about the project and what are the chances of growth at the end of discussion.
Thanks in advance.
I've been on the IT infrastructure side in program and leadership roles for over 20 years. It hasn't been a passion for a few years now. I was recently was laid off and am seeking a transition to healthcare IT - thinking along the lines of M&A and/or facility tech leadership. I have an MBA and have applied to an MHA program, as well as began studies for CPHIMS. Anyone else made this type or similar move willing to share their experience? What roles did you shoot for initially?
I’m a contracts specialist and have been in my role for 2 years. Prior to that, I had 3 years of experience with bidding as well. Any others in the same role care to share salaries? I’m feel I’m being underpaid but am not sure. I’d also love to hear about any experiences working for the government in this role as I am considering making a change from a private company.
How is the work culture and work life balance in IBM software labs Pune? What all other benefits we get if we join at Band 8? Is there any night shifts culture? IBM
I need referral for an opening in Mckinsey. I'm an MBA with 3.5+ YOE in the required domain.
Thanks in advance.
What is the HR culture at Facebook? Thinking I’d responding to a FB recruiter email to interview. I interviewed for a role a few months back, made it to on-site was rejected. Want to know what the pace, collaboration is like among peers.
Are there any good ways to make money outside of a typical career job? I’ve tried audit and currently in advisory. The job just makes me depressed, and I’m thinking the accounting space just isn’t for me. My husband works, so I don’t have to worry with medical benefits etc if I quit. We don’t have kids yet so I need something to keep me busy, and I would like to still have an income and make decent money. Any ideas?
I am working in Infosys at 8.5 lpa and holding an offer from JMI ( Jean Martin Incorporation) for Investment banking analyst role at 10 lpa (negotiable). I have heard some negative reviews about JMI with respect to job security and growth. Can somebody provide any insight or review on the same as I am confused weather to take the offer or not?
Hi I got selected in Citigroup for a c11 band role I applied can any one suggest how should I negotiate my offer.
Exp 6 + years
C.ctc 9.25 lpa
What is the avg pay for Product Analyst role in optum? Please help me with this for negotiation. Optum Optum Global Solutions
Hi fellow fishes,
Are there any current openings in Logistics and Supply Chain field (preferably Consultancies, FMCGs) for someone with 2+ years experience in the same field at Maruti Suzuki India Limited.
I have done my bachelor's from MNNIT-Allahabad.
Would be grateful for any good leads!!
Thanks in advance.
JUST started a great job as a sr. EA supporting a C-Suite at one of the smaller but extremely well-known tech companies. However, Facebook (Meta) just reached out to me for a position supporting a SVP and a Director. Is it worth it to pursue the position at meta? Would it open more doors or set me back?
Any companies hiring for Senior Graphic Designers (7 years exp) who also has UX EXPERIENCE? Canada or US
Been looking for a right fit since a long time now. I really want to work with great teams who are fun to work with and also give an opportunity to grow professionally!
I love studying and keep myself upgraded!
I come from a design-heavy background and have been guilty in the past of over-emphasizing aesthetics. What do you think is the proper balance with functionality? How do you think through this?
Applying for passport renewal and can’t find document checklist; any help? The links embedded in the application PDF from VFS do not work 🤦♀️
How do GPUs work? If I am a United Silver member and am traveling to Europe with my wife, can I use someone else's GPUs to upgrade our economy tickets?
Anyone here go to pure barre and seen results?
Ladies, please share the kind of text apps you use to talk to guys you’re getting to know? Met someone but not through a dating app. I’m not comfortable sharing my number with someone I’m haven’t gotten to know yet.
I have a gif that plays fine in normal view but doesn’t play in slide show view. Anyone know how to fix?
Am on Office 365
Is Anyone deployed to client location samsung from HCS, could you please share your experience about the professionalism, ethics, work life balance & culture in HCS-Samsung client location ?
Thanks a lot for your input
Thoughts on PHR/SPHR/SHRM-CP certs? I have approximately 9 years of HR exp and my bachelors and MBA. Been debating on whether or not I need to fulfill my urge to get a certification. Wanted to get some thoughts around whether you have a similar background and opted to or opted to not get their certification? Thanks!
Does anyone know what it’s like to work at Siemens? I’d love to hear about experiences good and bad.
I’m just gonna leave this here.
Hi fishes, do we get AIP in May payroll or June payroll? If the person is serving notice period and will be on payroll as of the AIP rollout date, will that person be considered for bonus or people serving notice period are not at all considered? Deloitte Deloitte USI
My lwd in Infosys was on 8th, as I have lost my ID card I couldn't submit it on lwd. Yesterday I got mail from ID department to surrender the ID card for getting clearance as a response I dropped a mail to them today that I have lost my ID card and they can deduct the card fee from FnF amount. Within 1 hr I got my RL with approval from ID department as lost card reason ,now how much time they take to send the FnF amount?
I recently finished undergrad and I’m waiting on secret clearance that I applied for in February 2018. I know my application will take long bc of foreign relatives, but how long is too long to wait?
Additional Posts in Personal Investment Chatter
Has anyone utilized WF brokerage account? Looking for an account where I could do both Mf/ETF as well as stocks and this seems to be a good option with low fees.
Is this the time to buy bitcoin??
I would ask, what other planning services are you receiving besides investment management? For example, is the CFP discussing/reviewing your insurance needs, benefits package, tax planning, retirement goals, cash flow/budget, estate documents, etc.
A CFP is well trained on all these topics and more. If you only getting investment management, then yes, I would “fire” him, however if you are receiving advice/help in all those other areas and investment is “one slice of the pie” then I would reconsider.
I would suggest taking time to learn about various accounts and investing. Then “firing” him and throwing that $125 a month into your investments.
There are a lot of resources out there to expand your knowledge, try looking into some educational videos on Youtube.
Fire him and invest your money in VOO or VTI equivalent.
You’re paying like 3% a year just in the immediate fees and probably even more in the funds they have you in.
Are you able to post the actual tickets rather than summary screens?
As others have said you’d be much better off moving your money into standard index funds and dropping the CFP. Also tell whoever referred you to do the same.
Its expense ratio is 0.59% - look at Morningstar. That is way too high and makes no sense
Just go to bogleheads.org and read the wiki.
I have often thought to myself, “A good financial planner would probably tell me to stop spending $125/month on a financial planner.” Sounds like I should’ve listened to my gut a while back. I come from a super blue collar family that has made all their money in real estate and gas stations. I haven’t had any real guidance on this stuff - so really appreciate everyone’s comments.
Love money guy!
Youve been getting fleeced. Fire him ASAP. You can self manage your retirement accounts by watching a few YouTube videos or coming on this bowl for advice.
I would fire them. What have they done with the other 15% of your funds? Put 80 percent in ITOT or VTI and 20 percent in IXUS or VXUS. No way I would pay for someone to do this. What funds do they have you in? You are paying a ridiculously high percentage of your assets for nothing. What accounts don’t you know what they are?
Maybe this would have been a better screen shot
Thanks everyone. I’m going to find some “retirement accounts 101” type videos on YouTube and then look into firing and transferring my money elsewhere. I work in big law - I’m sure there are employee resources there as well.
PFC is my favorite resource! You can take their course or just follow their blog/Instagram for little nuggets of information https://www.personalfinanceclub.com
If you not super high networth it would make more sense to pay a planner/FA a flat fee to make a financial plan for you and then run it yourself.
It's a pretty common subscription model to use and makes planning less transactional. Most one time planning fees are going to run 3-6k depending on complexity. Also to speculate on the performance of some hypothetical portfolio vs a target date asset allocation is insane, you have no idea what the investments are nor should be.
I had an Ameriprise advisor for about 6 months. They were charging 1% given my portfolio was about 200k. Plus three was 750/year planning fee. But he was investing in funds and individual stocks. Didn't feel worth it. I moved everything back over to vanguard and have 65% VTSAX and 35% VTIAX.
Treasury would be a great place to start! They teach you how to invest and what different types of investments will work for you.
Not knowing what to do with the money in your accounts and not knowing what the accounts are are part of what you’re paying for. Could you figure this out yourself and pay less? Absolutely. You could also cut your own hair and save money that way but most people don’t.
If you’re not wealthy with complex needs and don’t value the face to face contact and ability to pick up the phone to someone with questions, you likely don’t need an advisor. It comes down to what you value, and for many, having someone else do the work even though they could do it themselves is worth the fees
I agree. I like how the entire thread is already prejudiced on firing the guy already, without getting to know their needs or their services. Lol
Get rid of them. Just invest in normal index funds yourself and it will probably outperform what they’re doing anyway. That’s a lot in fees in terms of percentage of your account value.
It’s frustrating to see people confusing financial advisers with investment managers, ie ‘compare your losses with the S&P500’. First and foremost, we’re not stock pickers or fund managers, we’re not offering you alpha.
Second of all, if you ever need help mitigating IHT, structuring offshore bonds across maximum clusters so that they’re set up to pay for your children’s schooling (and reassigning the bond at the end of the term to a non-tax payer), keeping track of the ever changing tax allowances, setting up trusts in a way which allows you to give money to your kids without spouses taking your generational wealth in the event of divorce or moving pensions overseas via QNUPS (to list the basics of what we do)… please call up the ‘S&P500’ for advice on how to do all of this safely, efficiently, and with a face to face meeting explaining exactly which strategies and investments have been chosen, why, what the alternatives were and why they’ve been ruled out.
Also ask the S&P500 to review and rebalance you every year and be constantly available for direct, face to face conversations during scary markets when you’re panicking and want to hit sell in the trough.
And let me know how you get on with that.
It’s yours, roll over to fidelity/ Schwab and switch to low cost index etf’s or mutual funds. With your portfolio total u should be focusing on just getting savings rate up. No need what so ever for a cfp with your balance. Not a dig at all at your balance, u just simply don’t need one u til your in high 6 figures
I still have no idea what they have you invested in. Likely some expensive investments on top of the monthly fee. What kind of account is this? Taxable brokerage or IRA or something else?
Definitely not… nothing other than “you should be paying down consumer debt” - of which I am fully aware and trying.
Thanks for your feedback. Based on this and other comments, sounds like I need to do a little bit of studying and then do a transfer.
I want to get into stocks as well. Is this company legit.
Hire a fiduciary/RIA advisory firm. Otherwise, you're flying blind without a financial plan.
(Haven't read comments to see if any of this has been said already)
How much of percentage did your total 30k lost this year ? We will compare it with SPY ( S&P 500 index). Let us see if they beat it.