Thinking about switching my 401k from a fidelity target fund to a S&P one. How does this actually work? Does it just contribute to the new fund on an ongoing basis or does it also sell the original and reinvest in the new? Are there any tax implications? TIA

Hi Fishes,
I have recently joined Deloitte and have to submit my HRA declaration, my work location is Hyderabad and even i staying in Hyderabad on rent but my owner refuse to give me her PAN card details.
I can submit my parents PAN details ( both are retired but they stay in Jharkhand) instead of my owners
Can you guys plz suggest ?

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

I can do the math on SWR’s, but always happy to have the input of this forum, be it positive, constructive, or a really unique perspective. I’ve been lurking on a FIRE journey for a while, and here is where I am:
2.3M in retirement assets (30% have been taxed)
8k a month in expected expenses…continued in comments

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

Anyone else experiencing a long delay getting their DC tax refund deposited?

Hi,

Does Nagarro provides internet reimbursement?

Anyone free to chat about getting into healthcare law?

Looking to transition to a new career, possibly to SWE. I have a physical science background with some student loan debt. Before I dive into more student loans, I wanted to check out some Software Engineering boot camps....

Any recommendations? What's your personal experience? Are they worth paying, or is college the way?

Realtor fishes, let's play a game: I share some details of some listings that we have available at my office and you let me know if we should keep them in our portfolio or make room for better properties.

Hello Fishes,

I have 2 offers in hand currently -
1. CGI - 25LPA +1L JB
2. Neev systems - 23LPA (5%VP)

Neev systems is ready to negotiate it with CGI. And both companies have their own benefits.

Neev's hike is good compared to CGI(almost double) & CGI have some additional perks like cab facility, Creche allowance, mobile, internet bills reimbursements and additional 5% shares.

Both might have similar WLB (12-9pm).

My DOJ is tomorrow, unable to decide between them. Pls help me!!

What is the maternity leave policy of PWC and for how many children it is available?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

Hi, I am a mid level associate at AM200 with experience in regulatory, transactional healthcare matters and some litigation. Looking to transition to a place with opportunities in healthcare investigations/white collar/disputes. Any suggestions? Looking to stay in New York and close to market pay (don't mind being slightly below).

anyone else feels stuck at current job, but not able to apply due to upcoming paid maternity leave benefits that you don't want to miss out on? currently still in first trimester !

Hi Fishes, I'm in a huge dilemma now. Im currently working with TCS and my CCTC is 10.29 LPA and I hold 2 offers, one with with Bank of America for 17.5 LPA Fixed and with CTS for 19 LPA.
My last date is Dec-30 and I received a call today from TCS HR for retaining me for 16 LPA max.
Earlier,before the call I had Bank of america in mind ahead of CTS for its work culture ,hike %, job security and other benefits. But here in TCS also I have very good role, job security and comfort.Please suggest!!

Does Accenture have any grad school (mba) tuition reimbursement benefit?

My strategy for Bitcoin:

Buy low
Get worried and sell lower
Get FOMO and buy even lower
Panic and sell at its lowest
Cry myself to sleep
Repeat

Any administrative assistants currently working at Molina healthcare right now??
I have questions…

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

looking for a SPM role in honestly any industry, trying to leave pharma. drop a link if you’re hiring!

At what level do companies begin to entertain golden parachutes?

How long does it take EY GDS to hire? I've applied for some positions (bcom fresher) on June last week. For 2 positions (Core AMS- Staff & GDS.SaT_VME_BVals_Analyst) it's showing "we'd like to progress you to the next step in our recruiting process" since July 1st. It's been 10 days, but no update/email/phone calls. Can somebody help?

Hi guys,

Do you have any opening for sql and power bi skillset

Hi folks , what’s the salary range for Wipro Europe development centre (iDeas D&C) for B3 level Sr consultant ?

It's showing, 50members in this group.... congratulations all. 1st day 1st fifty ;-) all the best for tomorrow for Increment.

Can I live comfortably in Dubai on 25k a month? With wife and kid too?

How many days will Mphasis takes to release offer. On Thursday HR asked to submit documents and mentioned offer will be released by evening, But today is Monday and no info on offer (Welcome message I got on same day.)

Hi fishes how is wlb in mphasis?

Hi Fishes,

I got offer letter from Mphasis. Any idea about Morgan Stanley Account.

And what are good/bad about joining Mphasis.

Anyone have good running routes for long distance? 10+ miles (marathon training) looking for Scottsdale and north Phoenix areas. Thanks!

Hey Fishes, I'm looking for job change kindly refer if my profile suits

YOE: 6
Domain: Automation SDET
LWD: aug 31
Location: Chennai

Did anyone hate wedding planning? I’m constantly considering cancelling the wedding cuz I honestly can’t believe how much drama it’s causing with all family members.......

Looking for a job dojng cloud security. Which are the best and worst companies to work for? Optiv any good?

What are "paper pushers" called nowadays?

Cannot make up my mind on carry on - I have a tumi leather carry on.. but need a new one..

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

Futures are crashing....with the fed slashing rates, I thought that would have the opposite outcome? I don’t fully understand the impact of that but I thought the market would be positive to that.

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

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

Any good ETFs to invest Roth into?

How do you earn $500k and still feel average?

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?

Investing noob. Just started putting money in back door Roth IRA. Have been losing money each month. I thought the market was doing well… what gives?

For those thinking about buying airlines, Warren Buffet just sold some massive stakes in Delta and Southwest for significant losses. The ultimate value/buy and hold investor selling out is a sign.

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

HYSA anyone recommends?

Anyone looking at airline stocks or ETF play?

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?

£30k lump sump cash in UK, how to maximise returns within a 15 year time frame tax efficiently assuming liquidity is not required?

Anyone ever bought two adjoining townhouses and knocked down some of the non-load bearing walls between them to combine them into one bigger home? Ones you own of course, not rent, and assuming local town and HOA rules allow for it. Thank you!