To all Americans, what are your thoughts on start investing this year given the inflation rate for January spiked Treasury yields which also raises doubts that the Federal Reserve would be able to cut rates several times this year?

like
Posting as :
works at
You are currently posting as works at

Don’t bother trying to time the market, just start dollar cost averaging into diversified low fee ETFs.

like

Thank you

like

Time in the market trumps timing the market

like

Totally agree

like

👀

like

China's imploding... There's a reason Bitcoin crossed $50k again... Only the Mag 7s holding this house of cards propped up.

like

Hmm hopefully it doesn’t crash

By the time anything is "safe" it is no longer an investment. What are the consequnces for you if you fail? Will you and your family be out on the streets or will it just be a minor set back? How much influence do you have on the outcome? No influence you are gambling. High influence you can start making personal guarantees to creditors if needed.

Depends on your time horizon. I'm no financial analyst, but I can read a chart: when interest rates drop, stocks drop. Can you stomach a 50% drop short term for long term gains?

Thank you for sharing your thought. I was under the impression that, when the Federal Reserve lowers interest rates, the stock market increases as lower borrowing costs can help boost economic activity, which can benefit corporate earnings.

Related Posts

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

like

Probably not the right bowl. I have $240k in my savings account, recently became a father of 3 and my wife left her job so now one income. I make $215k base. Monthly expenses prob around $6.5k including my mortgage. Home equity somewhere around $200k. I've never been good at investing (always losing money in the market). Want to move to a bigger home but don't want to lose my cash cushion. How can I conservatively grow my net worth? Vague question but any help appreciated. BTW I'm 33.

likeupliftinghelpful

Hi Guyss,
Can you please tell me
- in hand Salary
- how much will be tax deductions &
- how to save tax (in detail ,like how u r doing ) ?

Your help & suggestions will be welcomed from heart ❤.
Thanks alot 😇🙏

Tata Consultancy Accenture Capgemini Infosys Wipro

Post Photo
like

Experts - Best redemption option for Amex reward points (the ones that come with standard green Corp Amex card)??? I use them on Amazon but checking to see what other options are better...

like

How do you balance retirement savings with shorter term goals? I max Roth IRA and put in 10% to 401k on top of 7.5% employer contribution. But I also want to save for events in 3-10 years like bschool living expenses (tuition will be covered by sponsorship), wedding, down payment, and parents’ retirement. I’m also paying 1k monthly to student loans to get rid of them by EOY 2021. I understand I’ll lose out on tax/compounding benefits, but I’m assuming my future earnings...

like

Does Fidelity have Zelle? I transferred my assets to Chase to avoid long transfer times as they use to be in Schwab, but I see Schwab has Zelle now. Does Fidelity?

like

Hi Guys,

Can you please tell me in hand Salary

- how much will be tax deductions - &

- how to save tax

Post Photo
like

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

likefunny

Partners: anyone approaching retirement or close to it? Based on your pension/retirement scheme, how much gross $$ do you expect to get in Year 1 of your retirement from your pension plan?

like

Does it make sense to do a mega backdoor into a Roth IRA if I already maxed out my $6k into Roth IRA AND my firm offers Roth 401k option? Thanks!

like

Financing Q from incoming MBA student: Applied through Juno and just got approved for a loan from Earnest. Three quick questions: 1) confirming that I can only borrow for the upcoming year and would have to reapply next year? 2) I got 5.16% Fix APR - should I accept or look elsewhere? 3) does having a co-signer make a big difference?

like

How much are you guys able to save each month?

Provide Age & salary for context etc.?

likehelpful

I upgraded credit card to get points offer. Got the points from offer but new annual fee hasn’t hit yet. Can I downgrade/cancel and keep the points I got from offer?

like

Planning to leave the firm, should I take vacation days now or should I accumulate for a big payout? Considering tax, is it worth it?

like

Looking at a few homes in the Seattle area and thinking of (possibly) buying a houseboat. Does anyone know if these are harder to get title insurance for?

like

If I declare PAN of my father to my company for HRA. But I do not transfer rent to my father ..
Then Does the rented income reflect in my father's PAN while filling ITR????

like

Best value Bonvoy properties in Singapore, Hong Kong, Beijing, Taipei? Not flooded with points so St Regis-level is out. Love being centrally located, unique decor and pool is a plus. Thank you!!!

Just curious if your crypto dives in value 80%, how will you feel? And for those of you who have significant holdings ($20k+) what would be the catalyst for you closing your position?

like

If I have 36k every year to invest in something and i already max out my 401k, where should I put my money? S&P in a brokerage account?

like

Any good books to help get you up to speed on real estate finance matters?

like

More Posts

Hi, I’m looking to intern/volunteer/freelance WFH; My background is in Communication and Digital Media: I also can assist you with admin tasks. FYI I speak Spanish, in case you need to translate docs.

like

Hi all,
Does Walmart giving Macbook Pro M1 pro 14 inch model or 16 inch model to SDE3?

like

7 likes and I’ll quit my job today 🤪

likefunny

Success stories on overcoming excessive sugar consumption?

like

Any Data engineer from TCS - DIAS here?

like

Latino male, 700 gmat, 2.9 Econ gpa, steady promos, board of non profit, two years abroad experience. Shot at Haas, Stern, Tuck? INSEAD?

like

Got update from UST like cleared 1st round. Is there any other round or HR round is L2 ?.

like

What is the standard billing for a surgical PA? 20% of what the MD is billing? Does anyone know?

like
like

Hi 🦈 I have offers from below organizations. Please help me to choose on basis of learning and work life balance. Accenture - 21L(16.5F + 4.5V) Job Level 9. LTI - 22L(19F + 3V) Job Level P2. TCS - 23L(20F+3V) Job Level C3B. Capgemini - 24L(21.5F+2.5V) Job Level C2. Cognizant - 25L(24.3F+9.7V) Job Level Sr Associate. HCL - 26.5L(24.5F(including monthly EPB)+2.12V). Job Level E2

YOE - 8.5 years CCTC - 10.05L
Tech - SAP UI5/Fiori
Tata Consultancy HCL Technologies Deloitte EY Infosys Mindtree

like

Holland & Knight matched the new Cravath scale recently, but they didn’t apply it to any Florida office except Miami. What do we think this means for Tampa market salaries? Are they likely to bump again, or stay the same?

like

Hey Amazon 🐠

Would love to get an opinion regarding flexibility for working parents at Amazon. I’ve heard quite a bit of negativity about working at Amazon, but wanted to get a broader perspective particularly about work-life balance for Sr Tech Product Mgr roles. I understand this is team dependent but the more insight/opinions I hear certainly helps.

Thanks!

like

Is kyndryl safe company to join from Ntt Data? Can someone company NTT Data and Kyndryl?

like

only 12% hike with promotion! Ghatiya mazak tha ye to 😡

like

I have applied to many jobs these past 3 months. Any tips or suggestions would help to improve my resume. I also want to transition to product design, but zero entry level product design jobs available.

Post Photo
like

I have joined infinite computer solution, and have resigned within a week by sharing mail. I told them to release me early or give me the buy out option as have some personal reason,but Hr denied everything and told me to serve a complete notice period.Also in the syste the HR has not initiated the resignation . And threatened me every tim that she will raise absconding for me.
And today I have not even received the salary, in payslip it's coming as LWP and zero salary .Feeling very helpless.

like

when do we get hikes in Accenture ?

like

Anyone familiar with the Highline school district and specifically the Highline and Mt Rainier High Schools? Our kids are still very young but we are looking to move and are being priced out of Seattle.

like

Do most people have MBAs client side ? Is it impossible to get into the brand side of things without an MBA? Not willing to go into debt/ do not even want to go back to school for a job.

like

Additional Posts in Software Engineering

If someone wants to change from help desk work to programming but can't afford pricey schools what language would most beneficial to learn? And do you have recommendations for where/how to learn?

like

Has anyone done the backend software cert program through meta?

like

I will be interviewing with Bloomberg L.P - FI Pricing next week. I was wondering if someone here could help with tips and guides.

I am new to LeetCode (LC) and competitive programming. Bloomberg tagged questions on LC are too numerous that I get overwhelmed.

I will be very grateful if you can help with areas of focus for Bloomberg L.P - FI Pricing phone interview questions.

Thank you in advance

like

Want to jump back into SWE after spending a year and a half doing tech consulting and architecture. 8 and half YOE and a MS. What are the FAANGs or other companies worth targeting? Going to start studying

like

Hi,
I am looking to renew my contract with a telecom giant in Toronto, Canada . I am a back end java developer with experience in micro services. Overall experience of 6 years . What is the market per hour rate for the above skills ? Don’t want to undersell myself . Need your insights !
Thank you !

like

Junior Dev presents an issue they’re having. I hint to the fact that it may be framework related (this is a very simple fix). The questions they are asking seem out of context, so I ask if they have done any framework related research generally, as our entire application is built on top of this. They answered no, they have been here for months, and it’s not like this wasn’t in the job description. Am I missing something here? Trying to be helpful but stuff like this is frustrating.

like

Starting a role in software as a Product Owner. Should I have a Mac or a PC?

like

I have been into support projects for 7+ years in two different IT and Finance companies. Now I want to switch to SAP or any new technology/tool. Please advise on where should I be looking at now to enhance my career and technical skills. FYI I am not keen to learn coding and DevOps. I have been in database background since beginning

like

Combinatorics and graph theory are like Batman and Robin, Jordan and Pippen, peanut butter and jelly. Best tag team of all time.

like

Has anyone taken the entry level/early career Software Engineer interview at Google? I have 3 months to prepare for it and looking for some advice on a good preparation plan

like

Current job working with aws to new company with azure, is it a good move?

I just recently signed up to take the PE exam in 4 months in my specialty (civil: water resources and environmental). Now I am seriously looking at switching to software engineering in the next year or two. Would it still be worth it to complete the PE? Would it help me get a career in software engineering?

likehelpful

Remote vs in person for software developers in their early career. I started my career in 2021 fully remote. After the office opened again in 2022, I was able to learn a lot about the system from other people in the office and solve bugs faster. Without a doubt made my job easier. Lots of my colleagues still work from home in 2022. I can’t see why they are making it harder for themselves on purpose. I’m fairly confident they can afford to get to the office because they have teslas and shit.

likefunny

I got an offer from OpenText Canada for a Sernior Java Developer. How much is the salary for such positions? Is 70k per annum low?

like