So, I am not a hyper saver like a lot of folks on here but I am conscious about the future. My husband and I both work highish paying jobs that I imagine us staying in/moving up at for the foreseeable future. We max our 401ks and invest another 20-30k a year in index funds and have a 90k emergency fund. We have about 200k ish of liquid capital available and live in San Francisco. As housing prices begin to drop, I am wondering pushing to save more and invest less to buy a house (at least $1m)…

Anybody know salary range for VP Operations for GS in SLC?

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

Looking for connections in the San Diego area.

Anyone know of adult recreational soccer leagues in San Diego? Any informal pickup leagues should work too. Would prefer something in La Jolla/north county but willing to drive to downtown!

Anyone else into Bank Bonus churning?

Anyone know of a good cross-border US/UK financial fiduciary?

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

GSP San Fran or Leo Chicago?

Has anyone used Gideon Strategic Partner for investing? What was your experience?

Just a invested my new watch funds - either gonna be a Rolex or Timex

Not related to consulting but anyone has experience with ratehub / canwise financial as lender for the house mortgage? They seem to offer better discount on Prime rate compared to the big 5 banks.

Why did Donald tank the stock market today?

FL tax questions: 1.) last year I had 4 longer w2 gigs. Should I get tax preparer or do myself? Seems easy enough but im new to this so 🤷🏻‍♀️. 2.) do you write-off travel/lodging for out of city gigs?

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

I’m not bad with money but definitely lots of room to improve overall, due to several personal factors I don’t want to list in full here (numerous unanticipated medical bills, bad boyfriends, etc.) Hence why I only have $3k in savings right now. My first mini goal is to have $5k saved by the end of December. I need motivation and words of encouragement. If I pay off my medical bills, I won’t make my goal. I have to start putting saving money first. Getting depressed about my situation.

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

I had a dream about being naked in the office. Even my dreams are clichéd!

Hi Guys,
I am joining as QA in Apisero.
How is the work life balance?
How will they do the BGV?
Pls help me with the above questions.

What is the market like for entry level data scientists/ data analyst. I have a graduate certificate in data science and have spent the last 27 years as a mainframe dev so I have great SQL skills.

If an employee files a complaint about workplace behavior, do you treat them differently? I'm faced with reporting an SM for bullying and finding it near imposible to believe that it won't (cont'd)

Any one here who lives in Weehawken. Looking to move there, one stop from the Lincoln tunnel. If some ones from the there would really appreciate some help and guidance 💕

Has anyone done Uber as a means to keep bills paid while in transition? wondering if this would be sufficient financially

Do OPTUM gives reimbursement for broadband installation?

Hi Fishesh
I have been selected for HCL Tech
as per recruiter’s confirmation I have uploaded required documents
But did not received offer letter yet
Trying to reach recruiter but they are not receiving my calls either from last week.
on Ionboard portal I can see the 50% process has beed completed.
Is this a normal process in HCL ?
what should i do? please suggest

C3A grade employee in tcs. I have an offer from a company for onsite role and placement is in UK as permanent employee but the role given in offer is an entry level one. With almost 11 years of experience, is it good to accept this offer only for the on-site opportunity?

How to avail leaves in notice period last working day is 9th January, best time to use them without letting anyone know

Does anybody in Verizon India feel they are at par with the market pay scale? And are you thinking of switching just for the money?

Anyone know a good place in the DMV to take a data analytics course?

Hi Fishes, I received a mail with subject line 'Accenture Recruitment Status - You've made it to our final interview at Accenture!'. What does it mean? As I Have cleared technical aptitude test and technical Interview can I assume this will be an HR round?

Has anyone been admitted to Massachusetts by transfer of UBE score? I submitted my application in July and took and passed the state law exam today. How long after this were you admitted? Thanks!

Hi all,

I had two technical rounds in tcs last month and now I have got the offer letter from tcs.

But I found one thing unusual that I did not have any salary negotiation call neither any hr round.

They released offer letter directly on ibegin portal with 60% hike on my current ctc .

Should I consider this as a fake recruitement.

Please let me know your thoughts.

Thanks

Just wondering what percentage of associates don't get promoted to senior? Anyone has the stats?

sometimes I feel like the reward of being productive is more work lol

Is there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

What are your thoughts on Baidu as an investment?

Has anyone looked into starting a property management business? Repeat clients, scalable, and can run smoothly once you figure out the right team/systems. Any general thoughts and or recommended resources/books? Haven’t done much research...just sharing shower thoughts here

For those watching their home value - which is best? Zillow or Redfin? I’m watching mine to see what equity I have to refi and potentially get PMI removed. Zillow is current showing home value at about 20K less than Redfin. Are there any other tools I could be using? Thanks.

Can someone explain high yield savings accounts to me? Why doesn’t everyone use them? Should I switch banks so that my HYSA is the same as my checking account?

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

Is it possible to consolidate/rollover/manage my HSA investment account in PayFlex to Fidelity? Same thought on ESPP distributions in Morgan Stanley, and 401k in Alight(?) ?

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

With rates going up, is now a good time to start a CD ladder?

I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

What stocks are you betting on for 2018?

How do I legally gets my hands on $100k that my future wife wishes to hand me over for investment purposes (she is outside the US). We won’t be marrying for another two years. Thank you!!

Has anyone attempted tax loss harvesting on RH? I went long on Brazil and with talk the turmoil there the stock is not going to recover in a while. Can I sell my position and buy a correlated stock?

Finally have built up an emergency fund after 2 years of working! I’m looking to move most of it to a high yield savings account (and then start investing, woohoo) but not sure which is the best one or if certain ones have better services etc. I’m looking at Marcus just because it seems to have the best rates right now but any info helps! TIA

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

What's your target retirement savings? Target age? Combined or single?