What’s your allocation percentage between 401k and investments (single stocks, index funds etc) and other accounts ? Any advice ?

Has anyone successfully gotten their company to change their benefits? Our speciality pharmacy provided (Accredo) is so inept I’m repeatedly missing doses of my medication and routinely spending over an hour on the phone during work hours arguing with them. I work at a small company (40 people) and our insurance is blue cross Illinois (who contracts with Accredo for specialty pharmacy). Is there any way I could convince them to switch specialty pharmacy providers? Who would I even talk to?

Guys fidelity investments vs Mckinsey data scientist? What to chose?why?

Has anyone opened an IRA for a non-working spouse using ITIN?

Is it allowed?

Are you generally home free once you close on a home? If you wanted to quit your job and go back to school and could still keep up with payments, would anyone care as long as you pay everything on time?

Hi
I have a total 9.4 yrs of experience in multiple BU's like Customer Success, Product Development and Innovation, Project Management, Scrum, Agile, Business Analyst, BRD , MRD, FRD, Canva, Excel, amaging Deployment thru MobaXterm, Microsoft Accounts, Recruitment etc.
All in one package except coding i have done all the other Task in all streams of the company, benefits of working in startup.
Now I am looking for an opportunity to join in MNC.
Looking for a positive response from your team.

Revera changed the status to in progress. Does this mean they just started the process? I paid my deposit like one and half months ago 😂

Can someone share some insight into Deloitte’s pension plan... % contribution and/ or match , vesting years , eligibility, etc

Has anyone used a discount broker in New Jersey and can recommend? I’m looking to buy

How much is Sodexo card amount in BNYm. And can we claim Wifi Amount also ?

Is there a legal way for an international student in the US to earn money on the side?

Have a question to make sure this is not "tax evasion"

I made some money in crypto that I want to give to my family -- not withdrawing anything for myself, going to continue to hold.

If I withdraw some profits to give my fam , I'll obviously pay at my tax rate (which is high). Is it better and fine to just directly transfer the crypto to them and they can sell it ? (I know there's a 15k gift tax)

Would appreciate advice -- thanks!

Best options for a 30 year fixed rate mortgage at a small bank in MA.

Does anyone know how to have Google Sheets or Excel automatically pull up weekly prices of stock tickers? Currently keeping an Excel sheet running of stocks mentioned from financial newsletters I read and updating manually. Any formula or trick to track investments would be helpful - thanks!

I own a property that I'll eventually turn into a rental (not yet being rented out). I'm going under contract for another property that will be my primary but it is almost 8 months out. Can my lender for the new property already indicate in the forms that my 1st property is an investment property? Or can they mark the 1st one as a second home in the loan application? Does it matter that it's not yet being rented out (but will be by the time the new property be ready)? Anything else I should do?

Is it common to have renters insurance or do most renters not have it? The questionnaire for a quote is super detailed...

Is that possible to select different regime while filing ITR?

Example: For FY Apr 2021- Mar 22, I selected new regime in the company portal and hence more tax deducted. I have submitted the rent receipts to the company for tax exemption. Hence during filing ITR, can I select old regime and get tax return?

I’m young and i just started maxing out pretax and recently got married. The power of pretax is crazy. My wife and i make around 160k and are fed taxes are around 16k...my brother lives in Europe and his taxes are practically 40% of his income even though he earns less than me. I want to thank everyone in this group i feel like i am so more financially literate and have made much better decisions due to you all!

Do established Industry companies offer RSU, stock grants or stock options? I’m negotiating with a fintech firm that was founded in the 1970’s. Best strategy to get stock during offer negotiations?

Currently have an Amex Gold and got an offer to upgrade to Amex Platinum with a 100k bonus for $6k spend in 6 months and a $150 statement credit. Worth it?

Anyone have a contact in Learning & Development at Amazon or AWS? I'm a career L&D professional with nearly 15 years in the field, and exploring opportunities to transition into tech.

Currently work with finance industry. Looking for SE role in Travel/hospitality industry (I.e. EXPE, Marriott, Southwest, AA, Delta, airlines).
Some questions:

1. Which one offers job security?
2. How is it like working with them?(WLB/teammate/culture/support for career growth)
3. Which Business Unit I should avoid?(known for its horrible wlb)

4. Other advice/insight?

Worst attention seeking behaviors?

What are exit opportunities from a startup like? Considering moving, but feels like I’ll be putting myself into a corner when it comes to long term moves. The position is basically implementing the startup’s IT solution and managing the client relationships.

Thoughts about accepting a job where your boss is about to go on Mat leave?

Hey guys - I have a slight pronation and got recommended should that adjust the gait so my feet are level. Have been picking up running again during lockdown and now my knees hurt

(cont.)

Anyone else concerned about coming back to the office? Not as concerned about Covid more the lockdowns again. I’m not going through that again!

Hi Fishes,
Need your experience. I am Java developer and I like what I do? Can we survive 30 years just doing programing and not moving to management? How is the life of a programmers in service based companies after 15-20 years of exp?

I originally joined this bowl years ago when my husband had to have chemo and I thought we were going to be heading down the IUI/IVF route. We ended up getting pregnant naturally and are done having our own. For the last 6 months, I’ve been seriously considering being a surrogate and got the OK from my OBGYN last week. Those of you looking for a surrogate, what are the top 3 things you desire with one and what are your deal breakers?

What does good training by the firm and senior lawyers look like? Only worked at one firm (third year) and wondering how much help should be provided when deposing or examining your first witness. Is it normal to have trainings first (like firm-sponsored ones) or have a partner explain in detail how to go about. What should you expect?

Salam, I was in a 3Y relationship, it’s been few months, I live alone. Don’t have tons of friend so I find myself lonely after work. I burst in tears randomly multiple times a week and I cry out loud. I also have constant dreams of her most of the time normal dreams. I feel like I have little life left since I’m 39, I don’t have any direction in life. I try to pray 5 times and started to recite Quran. Any advice for me pls? I don’t have peace in my heart and I feel very empty inside.

What does the onboarding process involve at Accenture UK?

Has anyone switched from patent pros or patent lit to tech trans? I am a second year and want to switch but haven’t had much success yet.

How many people are back in the office vs. WFH? What area and how many employees? Are you seeing clients, doing in person mediations, depos, etc?

I do not like HR work, should I be aligned to HC? I’ve mostly worked on process design on large transformations and do not feel like I need to be an HR guru in order to understand the business process

Hi ,

I am working as an Contractor at Zs Associates from my parent company HCL technologies. As per offer letter my probation period is 12 months and notice period is 3 months.I want to switch to another organization but they need someone who can join early.
There is anything I can ask HCL technologies to early release me ?

Thanks

Need help with comp strategy. Looking to move into the sales side of my org. I’ve heard that multipliers are where the big money is made. With that being said, when I get my offer should I not negotiate base salary? Would a higher salary make it harder to hit multipliers with a 50/50 split

Hi All,

I got senior specialist position in HCL. Can anyone please help me with the roles and responsibilities.

Experience : 4.5 years

Is this position good enough for this much much of experience?

What is 'Ee ESI contribution' mentioned in payslip, do we get any benifits from this?

I bought a rental 2 years ago for $100k with a 3.2% fix rate. It’s now valued around $200k. What should I do with the equity? Cash out refinance doesn’t sound like a great idea given the interest rate I have and don’t want to give up.

Thoughts on whole life insurance? Worth it?

How do I get into credit repair business?

Anyone regret not doing banking to do FIRE faster?

Has anyone bought a house in pre foreclosure for investments? How do you assume possession of their loan? Do you have to go to the bank and qualify for it or just sign? Also, is there a way to see how much in fees and backed mortgage they owe?

Is it better to take out a personal loan for credit card debt vs a debt consolidation? I decided to do a personal loan with a bank I already have a mortgage with. I did 16% for three years vs having multiple credit cards with 25% interest. The loan covers two of my four credit cards. But a friend said I could’ve gotten a better deal with debt consolidation bc they have relationships with credit card companies.

Happy Sunday everyone!
The remaining balance on my mortgage is 70k on my existing home and I have over 300K sitting in my online savings accounts? Should I pay off the mortgage? Thinking about buying a bigger home. Thoughts?

Personal finance book recommendations?

I am in my early 40's and have about $300K invested and some in cash. I have $70K in credit card debt (no lavish lifestyle, just 2 bouts of unemployment and some major medical expenses, even after insurance).

I live below my means, LCOL city, used car, max my 401K, save my bonuses, etc.

I am going to get a large bonus where after tax, I'll get a couple hundred thousand.

Should I prioritize pay off all credit cards or pay down half/some of the cards and use the rest for a house down payment?

Should i be paying down my mortgage fast, or aggressively investing instead? My salary is 200k, my mortgage is 1700 but I pay 3000. I’m in big law (second year) and not sure how long I can last in this job, so that is why i was trying to pay my home off as much as possible (it cost 350k, i have 315k remaining on the balance)

Looking to get life insurance now that we are about to start a family. Mid 30s couple,(I history of cancer, but healthy for last few years since treatment was successful), we have $1.5 in net worth, 60% equity in 1M Home(10 yrs left on a 2.0) ,HH income ~350k annually. Looking for advice on what to consider.

I want to start buying crypto but don’t really know too much asides bitcoin/eth are the top 2. What’s the best platform to buy crypto on?

Any good articles or some other related fire posts talking about how the year 2020 has impacted them?

I think I’ve achieved lifestyle deflation. It kind of sucked at first but you get used to it.

What do you think about bonds

Any good REIT recommendation? Particularly for now and in the long term?

Friends I’d love some help- Finally had a transparent convo w my parents about their finances. They were hit very hard in 2008 in their mid 50s, have recovered a bit but now they’re 65+ and need some advice. They have roughly $250k home equity (and ~$230k mortgage at 3.1%). $90k cash. Then $250-300k in IRA (80/20 equities/fixed income). Get ~$4k/month combined social security. No long term care insurance. Use Medicare + pay $250/month for supplemental health care. Cont in comments

Does having a credit score between 750 - 850 play a huge part in buying your first property/getting approved for lower rates?

Is that something to strive for?

Digital nomads? I have enough for coastfire and was thinking of bouncing around and teaching English online to stay afloat. Opinions?