Should I lower my contributions to my 401k and save up for a down payment faster? I want to start having multiple streams of income. Planning on getting a multi-family apartment but not living there since I want to buy a semi-cheaper house so it won’t be in a great area (Chicago). Has anybody done it and regretted buying a house as an investment?

Hi all- new to fishbowl. Not really sure how to use and explore the app yet but I saw this bowl and figured I would introduce myself. I am a wholesaler for 401K and I am able to partner with advisors who currently uncover 401K opportunities or are looking to learn how to. Reply if you are an advisor in the NYC area and interested in learning about how to expand your business.

Good morning!

Still trying to figure out this whole Fishbowl thing, so here goes my first post.

I would love to get into provider credentialing, but all employers I've looked at want at least 3 years of experience. So, I'm looking at Provider Network Coordinator roles, because I'm finding some of those roles don't need AS MUCH experience. I'm a RHIT, and have been working in healthcare for nearly 10 years.

Any input on employers is appreciated!

Can H1B visa holders own rental property? If so, can you self manage or do you have to get a property manager? (House would be bought through personal loan, not an LLC, so wondering whether USCIS could deem self managing as unauthorized employment? How would they find out?)

Just moved in-house & am hiring a designer - NO clue what salary to propose for this role. Full benefits, mid-level, Chicago-based, mostly designing internal materials (town halls, etc.). Help?

So I have few question( Please answer these questions are asked by most of the freshies)
1) After document submission , How much time do they take to release offer letter for freshers ? Its been month for me not received till now
2) How is growth opportunities for fresher member technical.
3) Is there any relocation reimbursement (or any other benefits)
4)Is there free food available
5) will they give macbook to fresher or which laptop

Would love to get insight from folks here as I’m not quite sure what to do. I currently have around 14K in student loan debt and enough saved up to pay it off in one fell swoop. What I’m struggling with is whether I should invest that money into the stock market (thinking less risky S&P 500 ETF) and pay off my student loans monthly with the average payment being around 1000 so I can pay it off in about 16-18 months (due to interest being around 5%) or pay it off all in one go?

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Looking to support a new APIA founded startup? Well look no further!

Have you ever found something online and thought "... if I buy this, what about my anniversary gift, that trip to Europe, the car I always wanted..."

Well I have and founded Okane (money in Japanese 🤑)

Okane is a free Chrome Extension that focuses on goal-based budgeting. We track your wealth and help you save for your future goals while avoiding impulse purchases, right as you shop online. ( okane.crd.co)

Lmk what you think!!

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

Hello! With rising inflation costs I’ve been casually browsing RA openings at other companies, wondering if I could negotiate a substantial pay increase. There don’t seem to be many regulatory roles open, would the roles be called something else in other orgs? For reference, I’m a consultant with 5 yoe in RA roles and 8 yoe in healthcare generally.

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

How to transfer PF after joining new organization.

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 😂

Why are so many moving from CSR to CSP. I get that the fee is significantly higher for the former, but how are benefits better for the latter?

How many of y'all have trust funds? What'd you do with the $$$?

How do you and your partner (married or not married) split financials?

What all are the benefits IQVIA provides. Need to understand on below points-

1. Leaves
2. Meals
3. Transportation
4. Medical benefits (like dental, optical)
5. Allowances
6. WFH
7. Bonus that excludes from CTC and variable
8. Annual/Half yearly parties
9. Goodies or gifts during major festival
10. Anything else 😅

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

What are the Top MBAs outside of M7 to land an MBB role?

Hi fishes ,I am supposed to join tomorrow Amdocs, what documents they ask for BGV check ?

Big 4 EAs: How many partners do you support? How many do you think is realistic for the pay and your sanity?

My father is visiting us for 6 months. He takes insulin injections daily . Anyone know good way to get insulin injections to us they need constant refrigeration, or if he can buy them in US.

Qualified Dividends: I’m expecting $650-$750 qualified dividend in 2021. Salary and base about $250 total. Questions: what tax rate will the qualified dividend be taxed at? The 15% or 20%? Also, since it’s technically a long term gain, do I have to pay an state and local on the income? Been reading for a bit and I can’t seem to find a clear answer. Thanks fishies!

Hi PWC AC Bangalore folks. Can anyone please tell me how many days before they will share invite for joining day formalities.

TIA

Hey I'm a lawyer who has a few years of experience. Do people hire guys like me for clerkships

“i just fell asleep in the elevator”

“business advice: open the attachment” -RHONY playing in background

First time working as a senior and Manager doesn’t review or have time for many questions. Deff trying my best but very hard to be efficient when it’s takes time for me to understand everything (planning). anybody in the same situation?

Policy merits aside (for a moment) does anyone agree with claim Trump acted illegally in strike which killed Soleimani who was head of a designated terrorist organization? If so, on what grounds?

Anyone have a CFE designation and taken the test recently? Debating about getting it wasn’t sure if it’s worth it.

are there any layoff news in jpmc considering US recession?

For those of you coloring your hair at home, do you color your whole hair each time or just your roots? Also has anyone tried Herbatint products?

What is street parking like in Little Italy? Looking at a place but will have to park on the street, specifically near grape street/Columbia street

267A 163j and then armtad really messes me up remembering which factors apply to whats

Most woman with excellent WOE don’t negotiate their pay.. I’m a woman working in Tech and this is so sad to know..

Hello all,
How to apply for onsite jobs. Tried LinkedIn but didn't get any call. From India how to get opportunity for work in another country. Please suggest. Skill - ETL, SQL 7 yrs experience

What etfs should I buy in a taxable vs roth account?

Looking to invest money with a Schwab brokerage to save for a down payment on a home. What ETFs should I invest in?

I maxed out my Roth IRA contribution thinking I'd be safe from the income limits however my wife brought way too much $$$ than anticipated this year. It's a good problem to have but not sure what I need to do with my Roth IRA for the year 2021. Impossible to get a hold of Merrill to discuss options.

My company matches 3%. Is that low or on par?

Follow up on Rich Dad Poor Dad...General consensus is to buy real estate...So for those of you who have read the book, have you bought any real estate lol?

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

Did anyone randomly get a $250 deposit in their account from the government? I think it’s a child tax credit but I don’t have kids. How do I investigate this?

Would love to get insight from folks here as I’m not quite sure what to do. I currently have around 14K in student loan debt and enough saved up to pay it off in one fell swoop. What I’m struggling with is whether I should invest that money into the stock market (thinking less risky S&P 500 ETF) and pay off my student loans monthly with the average payment being around 1000 so I can pay it off in about 16-18 months (due to interest being around 5%) or pay it off all in one go?

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

Any advice on ESPP plans? Should a maximize my contribution? It would be 15% of my salary and purchased twice a year

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Good neighborhood for buying rental investment properties in Dallas? Have budget of around $400k.

For my marriot members. Which cc do yall have for marriot?

With the market pushing higher to mostly ath this week, are you keeping cash reserves for a slight pull back or putting money in the market today?

Anyone have an HM Bradley referral they’d like to share w me? Feel free to PM me if you don’t want to post your referral link.
Thanks 🐠

Can someone explain the benefit of whole life or similar products? I understand that they are bad for 99.9% of people. How does the 0.1% benefit? Taxes? Asset protection?

I'm struggling to understand why anyone would use these at all. Significantly caps your upside. If you are uber wealthy, why wouldn't you continue investing in the market? Why pay the crazy fees for these products that are essentially just 90% treasury bonds and 10% levered ETFs and covered calls?

My wife reads nearly an entire book per day just in her spare time after work, no exaggeration. I’m amazed by her and wondering what ideas are out there to monetize her skill? Book editing maybe?