Tips 4 Saving in a non qual acct. My wife & I max all qual accts. 401k pre tax & Roth. Roth IRA & HSA. Any tips 4 saving in a non qual besides buying stocks & Funds i.e. Mmkt Fund to mitigate access?

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

In your opinion, what’s the best hedge / best buy against rising interest rates?

I am down $25K on $150K portfolio. Should I cut losses and leave or continue :(

Hi everyone, I've been offered a manager role in a regional office in Deloitte, starting salary of 50k plus 6k in benefits. Does this feel right?

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!!

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Creatives who left for tech. What is it exactly that you do now? Is it still writing or art directing? Or a different creative role? Hearing about people leaving for tech so I want to know what it means exactly aside from the benefits.

I just received an offer to lateral into banking. How does independence affect the stocks I currently own? If I join and my stocks are on a restricted list will I have to sell them? Or will I be limited to being unable to buy more/sell any during the course of my employment.

Y’all I want to thank you for the tax discussion/questions we have in this bowl. I've been applying it to my job and it's helping. 😄 Of course, everything should be taken with a grain of salt.

H ello everyone, what are some good LinkedIn learning or certifications that are good for someone with a Healthcare Administration BS and Healthcare Informatics MS, with a strong background in Revenue Cycle Management. I am trying to become more marketable. Also, I am open for new opportunities.

Can’t find the bowl for this but quick question -
What are some credit cards like the Apple Card that don’t have any physical numbers on them?

I like the Apple Card and considering opening one but want to see if there are better alternatives. It’s enticing that if I lose my card, I can instantly change the number so someone can’t use it. Plus no numbers means someone can’t randomly make a large fraudulent purchase.

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Why do people accrue prepaid expenses?

What do you think on buying JPM, WFC, C now?

Have about 5k to invest - should I do FXAIX or FSKAX?

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

What is the goal of your life?

Is the RPA market still hot? Do we have nice opportunities?

I’m hiring a part time remote recruiter! Minimum of 3 years of recruiting experience, at least one year of DoD recruiting. Please feel free to message me if you’re interested or know someone who is!

Who else in Texas and Florida got their lift on today?!🙌🏼💪🏻

Has anyone bought/ done the HRCI Certificate in Diversity and Inclusion in HR Management? I already have my PHR, but I’m looking to gain more knowledge/skills and beef up my resume. Is it worth doing? The course is $239 and you get 12 Recert credits with it.

Another foot-in-my-mouth situation where what I said was misinterpreted but still shouldn’t have said in the first place. My lack of filter, especially after a few drinks, is constantly getting me in trouble. How many of you are struggling with not having your mouth lead your brain?

Veterinary tech here. I don't know many others who wouldn't complain about taking work home but honestly I feel like I would be willing to pay people to watch their puppies for the weekend, I love my job

Can we create a whatsApp group for telugu ZSers??

Are you seeing Mulptile Inflammatory Syndrome in Children (MIS-C)?

Any advice for someone looking to transition from Project Management?

Thoughts on universal health care coverage in the U.S. in wake of the COVID pandemic?

Looking to grow my practice by acquisition I am CFP,CPA,MBA located in Central PA. Please let me know if you are interested in talking about your succession plan. Thanks!!

My team(over $2mm in revenue and $250mm in AUM) is exploring the RIA space. Any insights from similar former wirehouse teams who have already made the move, or teams considering going RIA? Many thanks

At which point in your career did you stop being really nervous leading/presenting at important meetings or does it never go away...

How do you get comfortable eating alone at a restaurant?

Our RIA will be presenting to a group of FAs on COI strategy in a few months. Curious if anyone has had success obtaining referrals from centers of influence?

I'm considering hiring someone who may be required to have a series 65. How long should it take someone who is (a) smart & (b) no industry knowledge to study and pass?

I have a new prospect. Small business owner that wants to start a 401k for himself and his employees. Who would be the top 2-3 organizations I contact, and what questions should I ask the providers?

Best music/audio to listen to while working?

Anyone with US Trust as a PCA? Looking for additional details in terms of the culture, day to day type of things and how you’re doing there vs. what the recruiter stated was the average?

What’s the biggest point of pain for you Indy’s, that tech or other services hasn’t fixed yet?

Has anyone partnered with SOFA, society of financial awareness a non profit. Gets advisors in the door at companies for purely education.?

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

Is cold calling still a thing?

My brother is a college student in Minnesota looking for a summer internship in our field. Is anyone here hiring or know of someone who may be willing to provide that opportunity?

13 years experience and no college education. Best way to go about earning my BA and taking the CFP?

Anyone tried meditating and found it helpful to deal with work stress (or just stress in general)?

Does anyone know if the 10% penalty and if taxes are waived on a death of a beneficiary? A friend of mine’s 17 year old pass away. I was wondering due to the circumstance, is there any way he can get around paying extra money by doing a 1035 exchange, rollover, withdrawal. Anything out there? Suggestion are welcome.

What’s a historical event that fascinates you? I want to pick a event to deep dive into and learn more about it. Sourcing topics 😁

I’ve been offered a position with Fidelity as a Financial Consultant. I’d like to hear any pros or cons from anyone familiar with the position. Thank you!!