Amex 90$ points enrollment: 1) One time fee or annual? 2) enroll now or will I be given opportunity at end of year to see points total and decide then? Only use Corp Amex for dining when on road.

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

I’m in real estate tax group and looking for good books about RE fund/investments/accounting during non busy season. Any recommendations? Thanks!

Is getting into ARK funds at today’s price a no brainer or still risky? Currently in VOO/VTI and Vanguard mega cap MGC/MGK. I don’t want to fall under the belief of historical performance guaranteeing future performance, but ARK is so appealing

Buy/lease now or defer to Q1-2023?

My car broke (engine seized, 10y old). I am interested in 530i ($62k price), however 3year lease is $1,000+ monthly (with $5k down). Monthly lesse payment is 50% more than bmw advertised offers (“south FL dealers are not participating in the program”)

Q to car gurus/experts- should I defer purchase/lease for 6 months? My logic, the impending recession will reduce demand and we will go back to more balanced market (lower prices with negotiation).

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

Hi Fishers,

DM me if anybody want to file ITR for last year, I will help you get good refund amount for whatever tax paid or deducted from salary during the financial year.

St. Regis Mardavall Mallorca Resort - anyone been and worth it?

How should one properly calculate total comp? Base + bonus + stock options? Should you only include options that vest that year or include the total $ granted that will vest over 4 years?

For advisory peeps that travel - what are some tips and tricks to reduce travel stress, aside from getting TSA pre-check? Any advice?

Just paid off student debt, have around 7K in savings - any tips on what to do ? Should I save up more till i hit 25-30K (do have a wedding potentially coming up in 2 years) or start dumping all money into stocks and btc? Currently putting 10% to Roth and make 100K pre tax income if that’s any help

Currently 31 with 6.5 YOE and single . Should have NW of 250k by end of this year. (No significant assets in India). Considering this money all reminds invested I should have a decent nest egg for retirement. Have an LIC policy that will be worth arnd 50 lakhs when I surrender it (plan down payment for an apartment). Struggling to convince parents this should be enough for me to move back. They think I should move back when I have more financial security. What more should I plan for ?

Looking to visit San Juan (Puerto Rico) for labor day as a solo traveler. Anyone else planning to be there around that time?

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

The stock markets seem to be reaching new highs everyday and are bound for a correction. Do you think it would be wise to hold off on further investments till the market corrects the valuations ?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

Last flight of the year ... from a tiny 5 gate airport with one bar. I ask if they have any scotch. Bartender: I don’t know .. haven’t had anyone ask for scotch in months. I admit defeat. Just water.

Any recent H1B stamping experience in New Delhi? Will appreciate if you folks can share any insights ......

Can anyone please share the exact address of the AMEX Bangalore office location?!

PPMDs, what tips you would give if your client is a Member Firm? I am an incoming project manager, lateral hired from industry. Please share your thoughts about how to make an impact from day 1.

Will I ever get over my poverty mindset?

I grew up very poor. I get extreme anxiety and shame when I spend money above $20. Deep down I feel like I should scrounge and save every penny. I use bath towels that are 10 years old and threadbare cause I can't bring myself to buy a "luxury item" despite making oodles of money and have a ton saved and invested.

Anyone else get over this?

My new agency’s healthcare plan only has ONE physician in NYC listed as in-network... is a plan this limited the norm?!

Asking for a friend:
My friend received two job offers for Account Executive roles: a Mid-Market role with Confluent and an Enterprise role with ThoughtSpot. He’s conflicted because Confluent is a more established company, ThoughtSpot is Pre-IPO. Confluent is a lucrative product to sell and has established SDR reps so there’s a good blend of inbound and outbound sales. Thoughtspot is more of a startup culture where most of the sales comes from outbound and it’s a tougher sell.

Any 7A / 7B on bench for more than 2months now ?
What's your plan now ? Seeing outside ?
I am on bench close to 2months now , hence any advises would be helpful
Band and Skillset : 7B , bigdata Spark

Happy Wednesday! I am trying to plan with our AP and climate lead on what we can do in distance learning as a school wide event. I suggested we still host our multicultural club assemblies on zoom for the school. Anyone have experience with zoom assemblies to promote a positive climate in DL? Thanks!

Hey Fishes

I have asked for location transfer recently, can anyone help me approx when it'll be completed? How much time?

After joining with Barclays does it provide an Appointment letter? I joined 2 weeks back but i didn't receive it yet.

Just graduated with Aerospace Engineering degree. I am interviewing for multiple positions at once with different companies. One gave me an offer and they want me to get back to them within 2 days. I still have other interviews scheduled and some for higher paying jobs (around 90k) What should I do?
I do like the company that gave me an offer but their base pay was 80k and they went up to 85k. Is asking for them to match the 90k too much? The position is associate systems engineer.

Between AbsolutData and RenewPower, which company should one join?
Given both are hiring for Data Scientist position and offering similar package

Hi Fishes i am making a whatsapp group for the people who are transitioning from non-tech field to data science
If anyone would be interested plz join
And let's learn , and transition together

Agenda:
Putting self progress on the course they are doing ,so that others can be motivated and
Discussion on topics related to transitioning

1 YOE @ BCG in a NA office, looking for a Google strategy rec! DM and we can see if I’m a good fit

Hi all, what salary range would be good for Head of Content (UX writing+ content strategy + direct reports) who reports to VP of Product at a series B, fully remote fintech company?
(MBA, 5+ years experience)

ZS (strategy insights & planning) or Putnam or CV?? Taking into consideration culture, long term earning potential and exit opps

is leaving under a year is looked down upon or not advisable? Currently in UK at M level but contemplating a move away (not sure if the market has enough opportunities though)

Booked a JAL intnl flight on the American website but it doesn't seem to be crediting to Alaska, can this still be done?

Staying at a Hilton currently and have had tons of minor issues in the 3 days We’ve been here. Room wasn’t ready for 45min after check in time, AC did not work, maids did not clean room...continued

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Has anyone seen any decent MQD run ideas for Delta recently? I’m about 8k MQDs from diamond. Seems the Aeromexico method is on hold until they are fully back up and running. Thanks!

Best SPG or Marriott in San Francisco?

Does anyone know when the SPG Marriott finalization will be complete? I merged my accounts, but right now you need to earn platinum by meeting either or, not by combined nights for the overall program. Thanks

I don’t drive. Does that limit my activities if I am traveling to Hawaii ?

Can someone confirm if Marriott does not give complimentary breakfast with a points booking? Booked with 25k points and was told no complimentary breakfast..

New year checklist for amex plat, CSR, Delta, and AA? :)

Anyone flown Copa Airlines Economy? Considering booking some personal travel on it using miles and wanted to see if it’s any good

Friend asked to buy my SPG/marriott points. How would that work hypothetically? $0.027/SPG , $0.009/Marriott? (According to Points guy) & transfer to their account?

Are Delta international award tickets fully refundable the same way domestic ones are?

Points wizards - I need some United miles stat. What’s the best conversion point source right now?

Thanks!!

For CSP/CSR, does the person getting referred get anything other than the public offer?

How do you ask for points?

Anyone else has two Amex plat and why?

Since the Chase Freedom Unlimited gives 3% cash back on dining, does that mean you get more UR points that way vs. using the Chase Sapphire Preferred?