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I missed the webcast this morning because I was actually doing my job (was still wearing jeans though 👌🏼)

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Heard about layoffs at Digitas Boston today. Anyone have any info?

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Would working with a data lake be valuable experience? Was offered that as my next project.

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Hi All.. can someone guide me if Senior Engineer profile at Coforge is an L2 profile or above ??

I feel like there should be a Law Singles bowl - apparently the Consultants have their own Singles bowl....? Thoughts?

likesmart

Am wrking TCS. For am medical emergency I have applied for salary advance today and it is approved.Buy amount is not credited. Ould any one let me know when will I get that money. I need that money for an medical emergency.

Is that possible will I get today?

Tata Consultancy

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Networks have mobilized & documented opportunities - see doc in comments

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What makes employees the happiest?

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Anyone else patiently waiting for the 4Runner to get the same makeover as the Sequoia/Tundra? I know most owners are purists blah blah but a 4Runner with 22+ MPG and 350+ HP 🤤

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Our startup just raised our Series B, I want to ask for a raise but I’m not really sure how to go about it - any tips from my baddass females or allies out there? 🙌

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In MBB / T2 market in SEA what would be the net take home ( in USD post tax w/o adjusting to cost of living) relatively to each other . My sense is that if we take Singapore of index of 100% of net income for the level than:
1) Indonesia 70%
2) Malaysia 80%
3) Thailand 75%
4) Philippines 65%

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I want to get real. I’m mentally exhausted. My heart is beating out of my chest with anxiety. I’m losing my passion for practically everything. Ladies how is it, day after day, we get a bit stronger and overcome? I think we all deserve a freaking applause at this point. T.G.I.F.

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Any official update on pune office address apart from the one in Viman Nagar?

Any of you guys get in on the QTUM ICO a few months back? Thoughts?

Hello Bowl Members,

We are looking for daddies in my kink group chat. We are most women who love lively ones.

Hit me up for details. Chao 💅🏾

likefunnyuplifting

Anyone know how the bssp and vanables internship programs work? Are they geared for hire at all? Or just cheap labor?

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Quavo came through on Too Blessed with Rich the Kid

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I just started as a medical sales rep and I have a $35k base. I'm in a MCOL city but still feel like I have to be getting low balled. Does everyone start low??

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Additional Posts in FIRE Financial Independence Retire Early

Where can I start learning about retirement in America? I’m naive on the topic and originally from another country so I need reliable learning resources. I’m 31 and don’t have anything yet, except 6months in emergency fund and I started traditional 401k a few months ago, but can’t max it out currently as I make less than $70k right and single, so I’m currently putting 6% on a targeted retirement age portfolio.

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Any investment property owners here? How did u land the decision to take the plunge? I know diversification is important, but why didn’t h instead go the ETF/stocks route?

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Am I doomed? I’m 36. Huge partier and spend $ like its going out of season. Make about $215k all in and have little savings. I just have terrible savings habits and just enjoy living for the moment.

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Any software like Mint that can show daily stacked bar chart of all expenses and deposits over time? Rather than creating it manually from bank statements

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Friendly reminder: IRA contribution limit increased from $5500 to $6000 in 2019. Make sure to update those automatic contribution amounts!

likesmart

How much is your emergency fund? My husband and I are DINKS with 5K monthly expenses but (because we are very privileged) live near family who could help us if something happened. We only keep 5K in our emergency fund because I want to invest as much as I can in index funds.

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Thoughts on robo-advisor accounts? The ones that take your spare change of every purchase and round it up? Betterment, Acorn. I have to imagine it’ll take quite some time for $$ to accumulate that way?

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new to investing. have done some research - reading blogs and a few books on investing. I still have the question of do individuals that take the index fund route… do you all purchase the same funds for different accounts? Example, would you invest in VTSAX across a brokerage and roth account, or would you take a different approach for each account?

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newbie here for investing. where should i be most focused.
- US Stocks
- Foreign Developed stocks
- Emerging market stocks
- Dividend growth stocks
- Municipal bonds
- Cash

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Last year I started funding my Roth IRA through Vanguard in a Target Retirement Funds. After reading a few post about the tax disadvantage of using a Target Retirement Funds, I am thinking I need to shake things up. Would you suggest moving the funds in Mutual Funds, such as VTSAX? Let me know your thoughts and best strategy to make the switch with minimal tax effect.

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Single and spending 40k a year (rent, expenses). how much do you all spend?

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Advice time. So I’m making 100k roughly and I still live with my parents. Moved back due to COVID as did a lot of people I think? Anyways I want to save $ to buy a house. Should I still be living at home? I was planning on leaving when COVID finally becomes a thing in the past so assuming the summer of 2022 so roughly 8 months from now. I know I am extremely blessed and thankful to god that my parents are kind and allow me this but just want advice please.

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Got married, bought a house, doing a major remodeling, planning to have a kid… safe to say that I am no longer on track with my FIRE journey 🥲

likefunny

Mother has a decent nest egg ($3M) and lives in an extremely LCOL area. Currently manages money through RBC, however the fees are a gross operating expense of 0.36%. What do you all recommend? I’m not savvy enough to manage it myself however I know that fees can stack up and kill returns. Would appreciate any insight/advice/snark.

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At what number do you feel like you’re making enough whether to satisfy your desires or just not feel guilty about spending money.I’ve been blessed to have my income raised a total of 85% throughout 9 years but shortly after each raise I still feel like it’s not enough to live by and that I’m always behind. I live in a high cost area and make triple of what my friends make yet it still doesn’t feel enough. Cont’d

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Do you spread your investments in ETF products that track the same index? IE VOO and SPLG.

Was just thinking the other night if you drop it all (or a large part) in VOO and they have some unheard of scandal that somehow slipped by audit your path to FIRE could be hurting.

Am I overthinking here?

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Anyone have suggestions on how to protect minors assets? They have a couple of years left before they turn 18 and would like to help them put their inherited money to good use example: low risk investments, steady cash flow investment/rental property, etc. Anything that may also be used for their education in the future. And possibly tax strategies to decrease tax liability from when they start getting income?

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I heard someone make a bold statement that contributing to a traditional 401k versus a Roth 401k were the exact same assuming the same tax rate. I ran the numbers and to my surprise they were not wrong (even considering the earnings). Can anyone explain why a Roth would ever make sense given that income will likely be lower and therefore lower tax rate in retirement?

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What is considered a good interest rate for student loans? ~30k over 10y. Is 2.6% good?

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Survey: Net effect of Bear Market + Contributions

👍 Are your investment accounts lower than the beginning of year (market loss)
🫱 Roughly the same (contributions offsetting losses)
🌟 Greater balance than Jan 1 (contributions outweighing market loss)

likehelpful

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