Thoughts using a Treasury Money Market Fund instead of an HYSA due to the tax advantages for your savings fund? Currently I’m all HYSA, but intrigued about the tax savings with treasuries

Salary discussion done on 13 Nov, but no further updates on offer letter release from HCL, will they release or not?, hr is not replying my calls or emails. How long will it take to release an offer letter ?

Will IBM pune match the counter offer for 9 YOE??

I got an opportunity at IBM ISDL as application developer. How is the work culture, learning opportunities and annual hikes?

I am finishing my 1 year this coming week. I am a graduate hire. Will my band change after 1 year automatically? Should I expect any hike?

I have an interview with IKEA for Azure DE/ Devops role. Kindly share sample questions and experience?

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

Has anyone taken the Nielsen UX conference (7 days of courses)? Is the certification worth the price?

How is WLB at a MM fund different from a MF? I’ve heard MF are worse on average, but what makes it worse? Is it just the hours, or is the work also significantly different?

I’ve worked in sales for 12 years (8 years retail sales and management, 4 years inside tech sales and management). I’m feeling the burn and looking for something else in the tech field. I’m making $140k. I have a college degree but no marketing, engineering, or product experience. What other departments/jobs could I jump to and still keep close to my OTE? I’m pretty good at Salesforce and have thought about a SFDC admin type role, but that’s all I’ve thought of so far.

Have any of you been a part of the protests in Portland? If so what was your take on what is happening there.

Hi folks, need guidance. Skill - . Net + azure and YOE - 4.

After two tech round received email for documents. HR said that she will discuss regarding my expected offer with the team after receiving documents from my side which I sent yesterday.
Today evening I got technical interview assigned mail with meeting invitation for today afternoon itself. It is very confusing to me.

Are they trying to take my one more round of interview? I was hoping to get offer after sending documents.

This bowl is for folk working/want to work in Target Tech

How is the wlb and job security here ?

Amazon is hiring a lot of migration specialist ,could anyone refer me ? Also what is the package they offering

Have 50k in a checking account at a local bank getting no returns. I like having liquid assets since I support currently myself & girlfriend and any unexpected expenses my mother & younger brother have. Any advice how to calculate what I should keep on reserve vs. invest + learn about consequences of pulling investments early (more tax, fees, etc.). I feel like the inability to access funds when my family needs it has been the reason I haven’t invested outside of 401k and have this cash reserve

I’m 36 and I recently reached a net worth of 1 million dollars. I thought I was doing good but then I see other people with several millions and can’t help but wonder how they got there.
I feel I’m doing everything I’m supposed to (I save, I invest, I max out my 401k, IRA, etc...).

What can I do to upgrade my game and reach those higher numbers?

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

Received a letter from Wells Fargo today. They are offering a refinance of fixed 30 year mortgage at 3.5%. I have no idea how they can do this judging by today’s interest rates. Currently my interest rate is at 4.5%. Judging by Wells Fargo sketchy history, I don’t trust it, however has anyone else gotten this offer?

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

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Are investment properties good for retirement?

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?

Anyone investing in index annuities? Can someone explain why this is beneficial?

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

What’s the meaning of life before FIRE and after FIRE?

Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

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

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?

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?