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Hello Guys,
I joined Cognizant recently, the project interview calls which I am getting is not from my base location.
I have the location constraint, should I wait for the right opportunity or raise this concern to ADP team so they can look in to it?
As per ADP policy, one should not have any constraints and take the project as FCFS basis.
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Love this post! Don’t have an answer but my goal is to save as much as possible. The issue is projecting college costs. 😔
My house won’t be paid off but will be in a similar situation with college age kids. Great flag about FAFSA looking two years back.
I’m going to discuss this scenario with my FA.
That is the kicker. We have no idea how high costs will go and I’m a little nervous about that. Separately though, it’s a catch because while putting money into 529s, I don’t want to over do it either in case they decide to not do college for some reason. Granted, the money can be used for trade school and certs as well, but one kid may just be a starving artist or teach their niche interest without form education. In that case, I’ll have too much in the 529 and have to figure that out. It’s a crap shoot.
Maybe kid will want a gap year, or will go to trade school or tech school or no school, or maybe can work and be responsible for his/her own education.
Also valid and we would be fine with any choice as long as they do something not on my couch, but with the crazy cost of living continuing to rise, I’m anticipating we will need to help support their launch into adulthood in some way to make sure they are set for success. I would never expect them to be on their own entirely with their costs, it’s just too high and I’d rather they not be in debt. We already have plans as well to help with down payments for a first home. Again, not a requirement as a parent, but something we want to do to ease the burden.
My goal is to save enough to put my kids through college before retirement, assuming no aid.
Great idea! I'm a bit cautious so would probably work FT until kid 2 gets through college, and then go part time. Suggest looking further into details about financial aid. When I went through college 20+ years ago, we had to report all family resources (savings, investments, home, etc.), not just income.
You definitely report all funds, home is not considered an asset to FAFSA nor is 401k, so pumping money into that is safe enough, BUT the 529 savings will for sure be included plus any money we have in other investments to live until old enough to pull retirement $. That’s what’s going to trip us up. I definitely won’t be working until the end of college for kid 2 at least in the career/salary job, but am willing to stick around a little extra to make sure I know their college costs and have it covered if needed.