Vanguard Retirement Fund or Personal Allocation of ETFs? (24M) Does anyone have an opinion on which is the better option? This is in addition to my 401K plan. It seems like the retirement funds have higher fees since they’re mutual funds, but the convenience of just being able to automatically invest each month, rather than try to stay diversified yourself, is appealing to me. Maybe I’m just new to this, but it’s hard to grasp what the ACTUAL cost of all the fees are for the retirement fund.

Hello everyone currently i am working with TCS i have also visited onsite from this working since 2018 overall i have 5+ years experience with very less package i dont see any growth in package. i have experience into customer support technical support identity and access management resource management timesheet management etc i need help to switch which company you suggest would be better with all the benefits

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

This week in homebuying horror stories: offered $60k (10%) over asking on a house. Got beat by a last minute all-cash offer from an out of state buyer who was buying sight-unseen.

This is the worst.

Is it possible to buy a house and sell it for a higher price?

Does anyone use a brokerage account instead of a checking account? Mine offers a fee free debit/atm card and free checks which I'd rarely use but starting to question whether it is worth maintaining my "big bank" checking account that requires a $1500 minimum balance.

I also have a local credit union checking/savings that I'd use if I need any services or to deposit cash and a HYSA that gets my paycheck, is used for mortgage and credit card payments, and to transfer to checking or investments.

Can any healthcare bankers with experience in dealing with Canadian Healthcare system shed some light on why the system is inefficient and why it takes so long to see a specialist?

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

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

What all are the benefits IQVIA provides. Need to understand on below points-

1. Leaves
2. Meals
3. Transportation
4. Medical benefits (like dental, optical)
5. Allowances
6. WFH
7. Bonus that excludes from CTC and variable
8. Annual/Half yearly parties
9. Goodies or gifts during major festival
10. Anything else 😅

Roth vs Traditional 401k, thoughts?

Parents are deciding between moving to WVirginia vs Virginia at retirement to be closer to us based in fairfax (ideally be at 1 hour driving distance). They currently in the mid west but WVirginia appeals to them because of low taxes, low cost of living. We are also poc so appreciate some diversity.

What are some areas you would recommend both in Va and WV? What else should they consider prior to house hunting? Dad likes to garden/farm as well so looking for homes with large backyards. Tia!

Any good book recommendations for profitability and performance management for banking industry? Or books on best practices for calculating economic capital?

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

Why do recruiters never tell you which agency they want to talk to you about until they get you on the phone? I don’t want to waste anyone’s time and it would be helpful to know this info from the initial outreach. My experience with this only applies to healthcare, but would imagine it’s the same in consumer as well. Anyone?

turns out me and my wife underpaid taxes by 12k. Anyone else getting a nasty end of year surprise?

too ambitious to seek a 1-bed EV / stuy town on 100K ? If you have a success story please share (or send BK recs)

SD rent prices are just about the same as SF right now. It’s blowing my mind.

Is anyone from this bowl working at 6sense?

If yes, please share some info regarding work culture, Work life balance, job security and employee benefits.

Thanks in advance, fishes.

Best performance car options under 60k? Nothing to old or high mileage as it will be a daily driver

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

I'm reading this book on boundaries. In the work section it says I should tell my boss that I can't work after 5 PM. Knowing that advertising work commonly goes past 5 PM...would my job be in danger if I said that?
There's not really a rule book that says I must work until the work is done even though it's an unsaid expectation. Thoughts?

Currently working at EY and recently promoted Senior looking to switch into a Business Transformation consulting role. Could anyone provide some insights on the day to day, as we as the interview process? Thank you very much.

Was lowballed and don’t want to play catch up for the rest of my life. What is the best timing & ways to ask for a raise? Or should I exit to correct my mistake. Happy to dm with my specific info

what is the salary range for a consultant at progression level 1 with accenture in a tier 2 city?

A&M fishes ! Waiting for an offer from PEPI MAS today. What’s a realistic TC for a manager on average ? I know it’s very much dependent on utilization but I’m looking for average numbers that someone you have seen during your time at the firm. Lowest and highest in addition to average are appreciated as well 😊

What are your favorite creative studios?

Has anybody switched from Deloitte India to Usi?
How was the procedure? Did you quit the India firm and then join Usi or is an internal switch possible?

Hi fishes,

I'm currently into analytics domain, want to get into front desk/quant role in investment banking/markets domain. Can FRM, CFA or CQF help me land there? Since I don't have any workex related to finance, any CTC ranges I can expect?
Or full masters is the way ? Anyone on that

What is the best method to learn SAP finance? Do people have recommendations on a specific book, website, or other best practices to learn it?

Can you renegotiate salary when you do a rotation that requires you to have a license? Ex. Going from a position only needing a bachelors to being a lawyer

Anyone working in Coimbatore IBM.. is there any openings for react developer's ?

Any insight on Marketing Manager salaries at Amazon?? I was quoted around 140 which I feel is rather low as I’ve interviewed for a senior role before (didn’t get it) and was quoted in the 200s.

Hi team. Happy to provide any referrals to McK if there is interest. I was later off at Deloitte 4 years ago and moved over. DM me :)

On average how long did you have to wait before hearing whether or not you got the offer?

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

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

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Is there an app where I can see all the list of credit cards and the balance I owe, where the app doesn’t force me to enter bank log in details like mint

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

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.

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

Did ok on a real estate investment and will have around $200k net to reinvest. Looking for opinions on short to mid-term investments for consideration. Moderate to high risk tolerance. TIA

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

Hi FIRE friends! My mom is going to get about 250k from the sale of her house in a few days. She’s 58 and has very little saved for retirement (immigrated to the US at 45 so only about 50k in her retirement savings currently). She’s maxing out 401k, Roth IRA, and HSA. I’d love to get all of your thoughts, where do you think she can put the money from the sale of her home?

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

Anyone here from NYC? Be cool if there was a meetup.

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

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?

Sooo AMC.. who’s in?

😂