The BEARs have come out of hibernation!! It’s time! Hope you all learned how to make money in a bear market!

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Buy at the next lowest support level and dollar cost avg? Have any advice OP?

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Hi all. My 6mo rvw is approaching in <2mo. I am aware I will receive a performance-based raise, but not sure how much. My student loan payments kick back in shortly after and I could use some advice on how to ensure that raise accommodates as much of my new debt as possible. I have over 6 years of various office and FOH experience, but no degree. I often receive praise from coworkers and intend on revising my SOP to record every one of my tasks in my current position to cover my basis. Thoughts?

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Could someone please explain how the deferred revenue M adjustment is calculated? Is it correct to take the flux of the beginning and ending balance of the year? If so, why?

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What do you think should be the 1) target income and 2) funds for down payment for a BK 1.6m apartment?

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I won $25,000,000 last night in the lottery (after tax). I'm 24 with no debt or obligations. I want to invest it into future goals with no lifestyle changes, and let it compound epically over the next 40 yrs.

What's the most efficient vehicle to transfer this money into an index fund without exceeding contribution limits, that also allows me to make executive decisions and divert portions of the funds to future house down-payments, trust funds for family, etc, with limited withdrawal penalties?

likefunnyhelpful

Hi folks, on topic question

Anyone using KOTAK Credit card, can you pls help me know the bill generation date and the due date for kotak credit card?

New to kotak banking ... !

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EY where can we find out more info about the 4K added to our 401k?

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Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, very limited exposure and currently downward trending stock and crypto. Any recommendations? Also do folks have any fiduciary investment planners that u can recommend

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What will be the impact of scraping the infrastructure bill? Will EV stocks plummet? Oil increase? Any other sectors now that tax rate might not be needed to be increased?

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Anyone made redundant noticed their P45 tax code as 0T? What to do to change it to 1250L? Started a new job and ended up paying more tax as they have used 0T as the code from the P45.

Anyone else experiencing issues with coinbase ?

Anyone ever considered declaring bankruptcy to get rid of student loans? I see that even if they are private, you still have to show undue hardship.

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Does anyone else put everything even rent on their credit card to help with cash flow? Most of my clients are net 30 so I may not get paid for 30-40 days after I bill them. Personally it creates cash flow issues when rent is due on the 1st. I ended up just getting a no limit credit card and put everything on that. Having 30-60 days to pay that helps a lot.

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Do rental markets really get slow in the winter? What about now with how much people are holding off buying because of interest rates, do you think the rental market may remain strong? I'm in Colorado.

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

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If one has an I-140 approval and gets married after, how soon can the spouse gets EAD card? What’s the processing timeline like?

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I'm leaving an insurance bd. Confused as to whether I create IRA and partner w BD as hybrid, or join indie bd for hybrid . Payouts net of fees/grid similar from what I've seen. Help!!

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Hey 👋 is it advisable to invest in real estate / buying my first home with all the looming uncertainty with brexit ?

Should I stop contributing to my 401K and put all my energy into paying off my student loan? Right now it's unconsolidated so there are rates between 3-6% and it's 20k.

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

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Anyone here a technology consultant at Protiviti? Recently applied for a BI role and am interested in hearing others’ experiences

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I have over 5.5 YOE in Business Development, my designation is Business Development Manager. My CTC is 7 LPA + Variables. Now, looking for a change. How much can I expect in terms of annual salary? Please suggest!

Hi everyone,

What is the salary range for a Lead DevOps Engineer in
ZS Associates ? My current salary is 27LPA, YOE: 7yrs and will be undergoing HR discussion soon...

Thanks in advance!

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Hello fishes

I am going to have HR discussion for PWC they are offering Senior Associate position.
My skill is sap cfin. My current package is quite low as per the market i.e 9.6LPA. How much we can expect from PWC?? I am expecting at least 15LPA.
I have 10 YOE
Any suggestions??

Thanks

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Anyone have recommendations for a restaurant in Baltimore? 4 friends happen to be in town and meeting up for some fun.

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Joined a young start-up with a pretty fratty culture (it's all dudes). Want to build relationships but need to change things- the vibe is turning off prospective hires. Not sure how to start

How do younger Females feel about dating or getting into a relationship with older people, age gap 5-6 years 🤔

Genuine responses

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I have offer of 16 LPA from Harman in IRI project bangalore. Is IRI project good? I have also offers from LTI of 17 lpa, Mindtree of 15 lpa and PWC India of 15 lpa. Which one should I go as my plan is to stay for 1-1.5 yrs and switch again?

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Is there anyone here who works for the City of Mississauga? I have a question regarding their pre-interview assessment. Thank you.

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I hope that after getting rid of masks, the anti-maskers will go after food safety conditions. Why do employees need to wash their hands or wear hair nets/gloves when preparing food?

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Do MBBs hire laterally from the big 4? Do I need a referral? If anyone is willing to talk, DM me as I’m really interesting in discussing my experience and seeing if it may be a good fit! New, young Manager at PwC at the moment and have worked in multiple countries

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Thoughts on the below comment for PDM?
“Other talent experience improvements are being designed given relevant tensions”

Post Photo
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HR discussion was completed and got an confirmation email that I've cleared all rounds on Jan 10th. HR was mentioning that the hiring process is on hold. It's been a month already and HR is asking to wait for 1-2 weeks everytime. Will I get offer letter?

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Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, very limited exposure and currently downward trending stock and crypto. Any recommendations? Also do folks have any fiduciary investment planners that u can recommend

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What will be the impact of scraping the infrastructure bill? Will EV stocks plummet? Oil increase? Any other sectors now that tax rate might not be needed to be increased?

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Had 3 rounds of interviews for a job that starts in January. So i checked in with the recruiter and now she wants to schedule a “call” next week. What does that mean? Would they tell me I’m not getting an offer?

Best TV shows streaming right now?

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any filipino social groups here? naghahanap ng makakausap 🙂

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Does anyone have any advice on how to shift from a specialist (paid advertising) to a more strategic (in digital marketing) role? I've been job searching for a couple of weeks and would love to be considered for roles outside paid advertising but it seems to be extra challenging this time of the year.

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Is the UX immersive class at GA worth the $15K? Seems like an outrageous price for 10 weeks

Additional Posts in FIRE Financial Independence Retire Early

Unpopular opinion: the FIRE community is contributing to an unhealthy workaholic culture as we forestall healthy work-life balance in favor of reaching our “FIRE” numbers a few years earlier. As a result, work culture is becoming all the more intolerable as the bold few would-be advocates for work-life balance are sucked headfirst into the rat race, and no one is left to fix things from the inside.

Society overall would be better served by a more community-minded approach to work-life balance.

likefunnysmarthelpful

Joining a startup without a traditional 401k (not US based). Are there any other equity investing options besides IRA and standard brokerage contributions?

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Is it better to take out a personal loan for credit card debt vs a debt consolidation? I decided to do a personal loan with a bank I already have a mortgage with. I did 16% for three years vs having multiple credit cards with 25% interest. The loan covers two of my four credit cards. But a friend said I could’ve gotten a better deal with debt consolidation bc they have relationships with credit card companies.

Go to YouTube and type in "MarketWatch firestarters" and you'll see the following videos come up. Give them a watch.

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What’s a good budget for a king size mattress? $160k salary if relevant.

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Hey all!
Me and my spouse are in our mid 30s and current HHI is $250K. I'm making 200K, my spouse is making 50K.
I'm new to FIRE concepts. We currently live in LCOL and have 24K/year debt.
Where should we start saving/investing? Both have awesome credit scores, but no significant savings due to coming from very poor countries/families and just last year we're able to change our lives.

I would appreciate any guidance/help on how to best prepare for our future.

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Might be a stupid question (pretty new year).
Looking at the posts, it looks like maxing out the traditional 401K is the first step to FIRE strategy here. I’ve been contributing 10% (company matching up to 6%) and used the savings to invest in the stocks and crypto. Understood that maxing out 401K helps the current tax position but is it really helpful in the long term? TIA!!!

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Any good REIT recommendation? Particularly for now and in the long term?

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Should i be paying down my mortgage fast, or aggressively investing instead? My salary is 200k, my mortgage is 1700 but I pay 3000. I’m in big law (second year) and not sure how long I can last in this job, so that is why i was trying to pay my home off as much as possible (it cost 350k, i have 315k remaining on the balance)

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Getting a fat bonus > 50k. 401k will be maxed, already dump 3-5k in each kids 529 and have more than six months of emergency fund. Already own a house at 2.85 etc. not flexing or anything just want to know what folks would do with a sizable bonus. Need ideas please. Otherwise dumping in VTI lol

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Engaged, and beginning to do joint retirement planning. I’move got IRAs, 401ks, the usual. My fiancé says she’s never opened an IRA because her parents started a program for her under New York life. Went to the website and it seems like it’s completely different - some annuities, some life insurance that you can withdraw early (?). Anyone ever go this route or have insight into it?

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Hi everyone, I’m looking for some ETF recommendations for long term growth. So far I’ve been putting my money into VOO and QQQ. I do plan on getting into crypto in the near future as well but want a majority in long term growth ETFs. (For context I’m 24, single, 80K salary, HCOL). I’d appreciate any investment/life advice as well.

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Are financial planners worth it? I just need guidance on budgeting/planning/someone to direct me on my current budget

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Friends I’d love some help- Finally had a transparent convo w my parents about their finances. They were hit very hard in 2008 in their mid 50s, have recovered a bit but now they’re 65+ and need some advice. They have roughly $250k home equity (and ~$230k mortgage at 3.1%). $90k cash. Then $250-300k in IRA (80/20 equities/fixed income). Get ~$4k/month combined social security. No long term care insurance. Use Medicare + pay $250/month for supplemental health care. Cont in comments

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How old is your car that youre driving? I know folks here try to save extra by driving older cars, so just curious. About to upgrade my 2012 car for a 2018-2020 when 2021 models come out.

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I think I’ve achieved lifestyle deflation. It kind of sucked at first but you get used to it.

likeuplifting

Looking to get life insurance now that we are about to start a family. Mid 30s couple,(I history of cancer, but healthy for last few years since treatment was successful), we have $1.5 in net worth, 60% equity in 1M Home(10 yrs left on a 2.0) ,HH income ~350k annually. Looking for advice on what to consider.

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Personal finance book recommendations?

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Hello, looking for some guidance. I make 70k a year, I pay $1300 in rent, and I contribute 7% to my 401k
Most months, I am able to add $1k to my emergency fund, $400 in a travel fund, and $200 has leisure money. Is this okay? I find myself very nervous about my expenses even though it may not be terrible. What should I do?
If it helps, I grew up taking care of myself (state ward) and recently paid off 60k in student loans. I have no one to count on so I need to make sure I don’t fail with this.

likehelpful

Does it still make sense to purchase rental properties in HCOL markets like LA? I was passively looking before the pandemic, but it seems like things have gotten pretty insane. Lot of properties just won’t cash flow.

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