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Hi Sharks,
Could anyone please refer me to Capgemini Pune?
YOE - 8 months excluding 6 months full time internship.
Skill set - SQL, Python, PowerBI, Tableau, Alteryx, Machine Learning, Deep Learning, ETL, Datawarehousing.
Interested roles - Data Analyst, Data Engineer, ETL Developer, Datawarehouse Developer, BI Developer, BI Reporting.
Thank you in advance.
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My savings plan is trying to pay off my massive credit card debt
We live below our means & do the following with the difference:
1. Max out the 401(k) or put in as much as you can, it should hurt a little - single most important thing you can do. SO tax advantaged. Ask a $ mgr if a roth or traditional is right for you. If you do nothing else, do this. At least put in enough to get the full company match if yours offers one otherwise its $ left on the table.
Invested in target date funds.
2. Put 5500 into a Roth IRA every year (if you are over the income threshold, you can still do it, its called a back door roth - look it up)
Because roth is tax free at withdrawl when your old, $ in the Roth is invested in things that produce "bad" income like divedends, which if not in a tax advantaged account would be taxed at current income rates) boosting long term return.
3. Try to save at least 15% of take home pay in cash to put toward emergency funds, other types of investment & to just have a comfy cash saving for emergencies.
At a point where we can do this now. When younger with less $ priortized 401k and IRA at levels I could afford at the time and boosted contributions up to max over time everytime I had a pay increase/new higher paying job, etc.
Now that I'm used to it couldn't imagine not doing it.
I live in abject poverty by choice so I can save a tonne
Using spreadsheets to track my spend, debt, and other finances
Whole life policy? Are you kidding . Please don't do this. Do your research . They are poor insurance and poor investments . You can achieve better insurance through a term policy and better investments in virtually any other low cost index fund
I have a whole life policy and I'm not crazy about that purchase decision.
Yes. Have several like that. Even for my child
Thanks for the tidbit @SF1 re: whole life. My financial advisor was recommending that as part of an overall plan (totally get he makes money selling me that!). What's a good mix of high and low risk?
@FCB1 how come? Just curious
Please go to a website like bogleheads and complete their 10 minute 101 investment videos before taking advice of a financial advisor. The questions you ask suggest they will cover some useful basics for you
I have a universal life insurance policy myself. Planning on opening up a stock portfolio as well and have 0 intention on enrolling into 401k
Universal life policies are usually a mistake . They try to make expensive insurance seem cheaper by throwing in an investment vehicle. That insurance and investment are cheaper and better separately
Any life insurance other than term is a waste in my opinion. Do the research. Why would you not do a 401k? Especially if you have a match? Many benefits. The only way to build a nestegg is to save and invest (equities, real estate, income producing stuff). I have term insurance to leave my family in the event I die, at which point it lapses hopefully I wont need it anymore. Good luck, saving is hard and it sucks, especially in the high priced meccas most of us live in.