Sorry if this was posted before. But I’m new to investing so can everyone share their 401K retirement allocation % of their portfolio? I currently have Vanguard (ACN) and have no idea where to start and references would be so nice! TIA

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

If you loved your small independent broker dealer but they had just been acquired by a much larger corporation which does have benefits in terms, mostly, in technology, but you lose your “family” in the home office, what would you do and who would you look at if you were considering a change of your own?

I am a Business Transformation consultant, having worked for Asset & Wealth Managers, Investment Bank, Boutique, Government Pension Fund, Family Office as part of my current role with a small consulting firm.

I am looking out for a new role in Singapore. Any leads or references would be helpful.

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

At a high level, what is a better way to maximize returns?

File all 12 months in NY or
file a few months in PA and remaining months in NY (about 9)

I was in PA for a bit during the pandemic

Is ARKK still a good ETF to invest in?

Can we show rent paying to parents if we are living with them.. Do company mandates that parents should be living in different city to qualify for such HRA exemption.

EY, what is the current maternity leave policy? Does the firm allow leave starting at 38 weeks? Is disability (6-8 weeks) separate from parental leave (16 weeks)? When is full eligibility - after 12 months of employment?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

Watch out for $SDGR - Bill Gates backed recent IPO- potential next meme stock . No options yet.

Can anyone enlighten me on the difference between CDP and Strategy? If I have plan to move to strategy what can I do ? Also is there a part of strategy that focuses in Healthcare?

What are great student loan refinancing options in the UK for non Europeans with US student loans?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Looking for remote healthcare opportunities in business ops or project management. Recommendations welcome.

Does anyone have a realtor that they love in center city? We’ve outgrown our starter home and looking for a little more space!

Hi Fishes,
I've got offer from EPAM System and Fiserv. Which one to join in terms of management, appraisal/hikes, benefits and growth? Both are offering similar compensation.

PwC 🐠 - health insurance coverage. What are the deductibles for the high-deductible plans? Still want to use the HSA. Thanks!

IBM
I have had salary discussion with IBM on 9th Feb, awaiting offer letter. Erverytime I call HR, she says you'll get offer letter within 2 days. No luck yet. Does anyone have idea within how many days IBM releases offer letter.

Looking forward to upward feedback.

Would you recommend the CVS test? I dont think I want to get it done due to the risks.

What would be suggested for long-term growth? Doing growth-related data science at a private equity firm or a role as a monetization pm in a FANG-related company? What are possible growth areas after the job at a PE firm? I'm concerned that a career in PM would plateau.

I am working as a product designer.
Having 5 YOE.
Knowledge about photoshop, blender, uv mapping, textures, illustration, AutoCAD, Corel draw.
What would be the salary bar for a designer in a company? How to get a better growth in the design industry.
Could anyone suggest me?

Is it really that difficult to get hired for a federal job? I was interviewed for a GS12 job but never heard back, they still didn’t hire anyone and I didn’t get a rejection. I applied for another GS07 job, was accepted, I took it, but I believe I can do better. I have a master’s and have extra graduate research experience. I am still applying to new jobs but I was told it is impossible to move up the grade level now. Everyone is telling me to stick with the government. What are your thoughts?

Are there any lawyers in this bowl that deal with tenant / landlord issues or does anyone have any referrals?

So the National Consumer Helpline really works.
I had filed a complaint against Goibibo, who delayed my flight cancellation request until 1 day before departure hence the airline charged a higher cancellation amount.

A friend of mine introduced me to the portal when I filed a complaint explaining the matter in detail, uploading Twitter DM screenshots, where the company was clearly denying responsibilities on the above.

Took 2 months but today my refund was initiated by Goibibo.

What’s an appropriate comp package for an institutional investment management company in San Francisco? Interviewing for an associate director role and trying to understand salary.

Any of you guys do claimant's work in the Napa, CA area? I know at least a few of you said you were in CA.

There's a guy on my Virginia listserv looking for a recommendation, and I don't think he's going to get many replies. Says it's a bad shoulder injury.

I am looking for a job in accounts receivable in Microsoft. Can anyone help me. YOE 10 yrs@

How to became a data scientist what kind of technology, languages and azure certification I need to do in order to be the one . Please help🙏

Hi folks,

I am searching for a 6 month internship opportunity for final year btech student for the role of analyst/data scientist.
Any help would be appreciated.

TIA

I work as a worker’s compensation adjuster and I cannot seem to get the hand of loss of time. Been in the same role for a year. Any piece of advise? I have made several improvements but it feels like I’m dragging it out. Last question is how do you manage claims that you have not handle for months and you’re too scared to do anything.

What is the seniority level of grade 11 @cisco and how many senior grades do we have after grade 11 ?

Hello Fishes, Just curious to know anyone working with any gaming companies (EA Games,Activision, ubisoft, Sega,etc)
Like how do they hire?
Which tech stack they would be looking for?

Best long term investment strategy against inflation to get to a large nest in for retirement?

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

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

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?

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

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

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

For those of you who made your first million in net worth, what did you do next?

Are we on recession? My portfolio is super down - low cost ETF investor here

What is a reasonable fat FIRE number for a married couple? Can’t figure out if numbers I see are for one or two peopl

Have 20k, what’s a good small business to start with this fund? Serious question here

I was once at a dinner with a second year analyst, consultant, and partner, and the analyst said he planned on retiring by 30 and the partner and consultant laughed. Little did they know, the analyst owned his own home and rented all the rooms out so he payed no rent, never ate out, only grocery shopped, and very very rarely bought anything new. He saved most of his income, and was perfectly content with just his video games. That man was serious about not being stuck working forever.

what are the tax implications when you withdraw from your espp? what are the necessary steps you have to take so you don’t get overtaxed?

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.

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.