Trying to buy a portfolio of ETFs for my newborn, long term investing. What would you suggest?

My firm doesn’t match my 401k — still worth opting in?

Welcome to The Financial Life! I am excited to meet a variety of individuals, families and businesses to talk MOnEY! As you know, growing money is one thing but keeping it is a whole different game!

For background checks... who do you guys use and would you be willing to share monthly membership fee/cost per check? I currently use HireRight and have been happy overall... but I don't feel that it's very competitive at $48/check. Thanks in advance!

I pay $500+/month for health care premium and after going to urgent care for an injury I still ended up with a bill that was over $500. Curious to know if any freelancers are not on a healthcare plan and how that affects your taxes for the year.

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

Left big law as a 5th year. Currently working at a small firm, billing around 5 hours per day, firm typically makes partners around year 7. Huge pay cut, but loans paid off and I have way more time for hobbies/self care. Life is good. AMA.

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.

Looking for a lawyer for get prenup done. Any recommendations will be helpful

Commuting to NY is getting worse every week. This can’t be good for NJ real estate market.

Sorry, haven't been active here. What are we buying these days?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

Hey, I’m thinking of getting a Mazda CX-5 2022. Is it a good car? Is it worth the price? Any problems I’ll run into in the future? Please talk about it! This is my first car and I’m super anxious and need to make a deposit soon! Thanks. Is it expensive to maintain?

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

Recently moved to Denver, and may be sticking around for good. Planning on buying in the next year or so, and some of the suburbs off 25 and south of 470 have caught my wive’s eye. Thoughts on Douglas county (or specifically castle pines, Parker)?
We’re a mid-30s couple, with a 4 y/o, so for priorities: schools, (hopeful) resale value, and activities for our daughter and family as a whole. Any advice or alternatives would be appreciated!!

What are some of the investing must-reads that you'd recommend?

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

Got an offer of 16LPA fixed from Siemens Healthineers. YOE 4 with role Selenium automation. Can anyone working with Siemens Healthineers tell me if the offer is good. Also can you please tell me about the Work culture, WLB, Perks, onsite opportunity.

Hi... I am new to fish bowl... !!! what all is discussed over here and how we assure that our names and identity are not visible to anyone?

Which is the best amongst
Siemens healthineers
Siemens technology and services
Siemens advanta

For a c++ developer, yoe 4.5

This is a quiet group eh? About to move there from NYC... new job new country. Anyone else move recently?

How much is the shift allowance for each shift?
I heard there will allowance for overtime too!
Can you please clarify?

Does anyone have any recommendations for where to get a made to measure suit in Dubai? Would need to keep prices below 5k for a 2 piece.

Best family friendly places to live in Dubai?

Any PPMDs who moved from the West open to chatting?

How is Ambit Asset Finance project from learning perspective? Asking since everything is internal. Internal frameworks and stuff. And since it's a huge project, people just get to work on chunks of it. How is it if you move out of FIS after working in this project?

So, I landed a Customer Service Advisor job at Sitel in the UK. But I heard that they fire you without any prior notice or end their campaigns abruptly, leaving us with no job. Can’t be facing the risk of no livelihood, right? Can anyone who worked with Sitel give me the real truth? And does Sitel sponsor Tier 2 Visas as such? I am surely looking for stability, security and growth.

Any advice on where to go after PR (financial & healthcare)? I have one year of experience and have been pretty disappointed with my current agency. I have a been actively interviewing & was thinking to go into the sales route. I graduated in 2021 and really have no idea where I want to end up. I’ve been talking to people & networking trying to figure out next steps— could use some insight. The culture at my current agency isn’t the best & the pay is basically unlivable for NYC. Any thoughts?

Do PE funds have in house tech DD teams? Currently on a tech dd team that’s aligned to PE transactions and trying to figure out what exit opportunities there are. Thanks for your insights!

Reading Untamed by Glennon Doyle and I want my own Abby!!! Sigh.....

Accepted offer to leave consulting (3 YoE, no previous lab experience) to join corp strategy team at biotech, any advice on what to do during the first couple of weeks?

What are some companies (big and small) working in interesting neuroscience/neurology related projects including pharma, med tech, ect.? How do you all keep up with neuroscience news to stay in the know?

Has anyone had any real luck advertising on Twitter or other social platforms? I use them on the day-to-day so if I can monetize them somehow I will. Is it worth it to create accounts for your business?

Can someone please share the current trends in joining/signing on bonus in Asset management industry.

I have an offer from an Asset Manager in London and it is slightly below my expectations. I want to approach them for a joining bonus but was not sure if it is a thing in asset management.

Also what is a good % to ask for a joining bonus [5%, 10% or 15%] of the base salary

Would you consider corp dev & strategy “back office”?

What’s an appropriate comp package for an institutional investment management company in San Francisco? Interviewing for an associate director role and trying to understand salary.

Isn’t 100k base pay too little at a boutique asset mgmt firm? 4 yrs buy side experience, started at the same firm straight out of college.

Dreaming of less stress and more freedom these days. What would you all be doing if you weren't in this field?

Has anyone taken the CAIA ? Any tips ?

Hi all!

Long time lurker, first time poster.

Have a pending application with Citi for a Real Estate Senior Risk Analyst AVP position, anyone have an idea as to what something like this would pay? Location is Buffalo NY area.

Thanks for your insite!

How should I pivot to Wealth Management as a Credit Analyst for a commercial bank? I’ve worked as a credit analyst for about a year after graduating in finance last year. I also interned at a wealth management firm while in college. Any advice is appreciated!

I’m in asset management sales and keen to accelerate my learning in alternatives (private equity, private debt, real assets, liquid and semi-liquid alternatives) so I can have more productive discussions with clients. 1) What are some good news platforms to stay updated on alternatives space in Asia? 2) Besides CAIA, any educational platforms to learn more about alternatives?

Hey guys, so I have competing offers. One at Bank of America for 124, and one at Allspring for 110.

Does anybody work at Allspring? They did not provide any information regarding benefits, 401k match, or any annual bonus structure. I was told, verbally, that the Bank of America bonus is something like 15 to 20%, but nothing in writing.

Just wondering if anyone has any knowledge about compensation structure at Allspring, or any opinions on the culture there. I would be in Charlotte.

Just curious to how my firms (wealth management/bank/trust) comp compares with others out there. I received a promotion earlier this year from an Investment Advisor, AVP to Senior Investment Advisor, VP and moved from $110K to $140K ($130 salary + $10K discretionary bonus) all in. By meeting expectations in 2 pay cycles, the base bumps up to $175K + bonus. Grown in this role over about 10 years with the same firm, MBA + CFA; top 10 city and living comfortably as dual income household.

Curious what’s a fair salary in MA? Was just told that there is likely not going to be a chance for a raise during my upcoming performance review due to my salary already being “above average for the industry” based on my employer’s questionable research. I’ve been with the company 8.5 years & am the only one in my role, which they can’t operate without. I execute tasks from two investment advisors and two financial planners - they make the decisions of what should happen & I make it happen.

Any working mothers in here who loves the company they’re working for? I am thinking about switching firms and need some honest thoughts on companies that doesn’t only say, but actually practice flexibility for work life balance and offers good $$$.

I am a high performer at my current firm but they started questioning working arrangements of folks based on the new members who are huge in-office folks, fast turnover within the team, etc. This wasn’t an issue when I first joined.

Working as a summer analyst in private wealth management this summer and just got a return offer at GS. Anyone have any experience with salaries, exit ops, etc. pressured between taking the return and looking for something with more optionality.

What is the average % bonus of base in big AM firms? Have an offer and debating between that and another finance route that I know pays a large bonus if performing well

Due to obvious conditions my comp for the calendar year (salary+bonus) is back to 2017 levels although my overall sales are more than double and 1/3 less total comp than last year. It seems like comp opportunity is always decreasing during good times (I get it) but when it comes to adjusting during bad times, nothing was done. Is this normal for industry sales?

I'm interviewing with KKR for a Principal role in their real estate group. All online salary resources are all in alignment with a total comp of $200k+. I'm assuming based on the average salary reported across these portals for principal that those figures apply to the RE group as well. Anyone have any direct knowledge or can speak to that group's comp?

Does anyone know if principals are in cubicles or doe they get an office?

I work in quant and rely on our company’s database for everydays task, but couldn’t get any support from the company’s tech/data team. It’s been such a struggle. Everyday im fighting with red tapes and firewalls. :(

Is there anyone who can discuss the current development trend of the world economy? I am very willing to learn and share what I know.