Are there any similar apps to venmo which has less transactions fee ? I need send money to friend by using credit card

If you don’t qualify for a Roth 401k, is there any benefit to using the company 401k? Can you just invest in stocks instead? Since both are taxable?

Need Advice on buying my first car here.

Married with no kids. Have been in US for 3 years now, looking to buy my first car here. Open to buy a used car but I know nothing about cars really.

Mostly looking for something that I can use without much maintenance and get rid of in 3 years or so. Budget of around 15k. Driving skills is not an issue, have been driven rental cars extensively.

My 12 month lease started in September. I am realizing that I signed a pretty bad deal — seems like I may be overpaying by ~$3-400 per month. Definitely my mistake, but any suggestions on how I can make this situation better? Any advice would be greatly appreciated!

Has anyone experience with buying houses at auctions to flip? Any advice is appreciated!

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

When I convert tIRA to Roth, are securities bought and sold? Or, can I buy with my tIRA now and then convert to Roth? This is all with Schwab.

Dear IBMers,

Anyone was in HCAM assignment to Germany?
And withdrawn their social security money !! Need help in the process understanding.

For those that are currently investing.. Did you have an emergency savings first then started investing or did you just take $$$ and start buying?

New to the points world and need advice. Planning a last minute trip to Chicago in a week and curious if you would use Chase points (60k) or $750 Currently have 130k from SUB+daily spending but not sure if it would be worth it to use points since the date is so close. Currently have CSR+CFF

What are your income expectations 5 years post MBA?

Long term picks to get invested in Meta?

How to optimize mortgage rate in current financial climate? Found a really good home and only thing holding me back is interest rates and how its poised to ho higher

Would you ever work in a hotel? I've heard some weird stories but being a tourism graduate, I know that this will bring me some great opportunities in the future.

With interest rates rising, I Bonds are back in the discussion. Thoughts?

Just starting to invest and would love some guidance- would you recommend investing in index funds like BPTRX and FDCAX through a taxable brokerage like Fidelity?

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

Moving to Dallas in June, any tips on where to buy a car?

Fellow NYC fishes! Girlfriend and I are looking for a 1BR apt in Manhattan/Brooklyn for c. $3500 a month as of c. April 1st. Slight preference for UWS. The more amenities the merrier, but no real need for a doorman, walk-ups are no problem. If anybody knows something please let me know, much appreciated!

Hey ppl, how long can review in progress takes? I cleared technical and manager round. Called HR and got the reply as they need to get list to proceed for HR round. But I was confirmed I cleared manager round. I have doj coming up for other company but I wanted to opt for infosys. Any suggestion?

Serious question, please answer objectively. Are your sales teams all a nightmare to work with? I think we all understand that sales teams can be pushy (it’s their job to be that way with clients), but I get consistent feedback from my operations teams that sales is aggressive and disrespectful.

Is it just my company or is it like this everywhere?

When working as a realtor, do you prefer to use your own phone or did you get a new one for job-only purposes, such as client calls and your public information?

Does anyone else’s company do “secondments”? I was asked to “look into” this? Someone who is a non attorney executive had a great idea they could save money and have outside counsel “at their disposal” 24/7 and on-site? Is that how this works? I know we spend a lot of $ on outside counsel but I don’t see how one of them having an office on-site adds much value? Maybe it’s a good thing. I am supposed to “report back.” Are they a joint employee? I was asked to advise “what this will look like.”

C1 in Wipro or E3 in HCL? Which role is better? 20% more salary in Wipro. IAM domain with 11 yoe.

Started a new PMM role this week and my manager, a VP, has no bandwidth to onboard me to anything. Has anyone been in the same boat, and if so, how did you go about onboarding yourself to a new product/portfolio?

I have a few questions for people in consulting roles (both external/internal).

My partner is in corporate banking, but he wants to switch to a consulting/strategy-based role. I noticed people with those jobs typically have an MBA, and also majority of the job ads in similar roles has MBA as either a requirement or preferred qualification. So:

1) does MBA actually improve someone's chance in getting those roles?
2) are there any good Canadian MBA programs you'd recommend?

Thank you all!

Graduated from undergrad with BA in Accounting 3.7 GPA, I really want to get into FAANG or analytics.

Any suggestions?

I just interned at a mid tier firm and have a Big4 Audit Associate offer.

How many leaves do you get in your company?
Casual Leave
Sick leave
Any other leave

Anyone doing a CPT to stay in US past OPT expiry/H1B last attempt rejection? What university?

Having more than 3 YOE in support profile (backend).. Worked in Startups and MNCs as well. Looking for a change now.
Any help would appreciated!@

My boss keeps giving me impossible tasks then getting upset when I don't manage to complete them. How do I explain that any engineer in my position would have the same difficulties?

Hi all, I have 2 yrs experience as a SAP functional consultant.. which company should I choose from the lot.. PWC India, Accenture, Deloitte India, Deloitte usi, PWC AC , PwC India PwC Accenture Deloitte USI Deloitte India

Is anyone aware of what the pay range is for a tech associate at Morgan Stanley in California?

Looking into Storage REITS like cube space and PSA. If there is a specific commercial storage company would be interested. A ton of residences and company’s going into storage to cut rent but also with the expectation better deals to be had later on leases.

Hi ,
I'm working as a SAP Security consultant in TCS since last 4.8 years. I'm having knowledge in GRC , FIORI , Hana , IDM also.
I'm looking for a job switch. Kindly refer me for SAP Security and GRC consultant PWC India.

M24 TC 80k
No debt
Net worth 130k
~55k mixed between Roth 401k and Roth IRA
~47k personal trading account
~25k in crypto
~1k emergency fund
~3k cash

How am I doing and what can I be doing better? Any recommendations are very much appreciated.

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Anyone have a recommended tax person in Chicago?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Google stock to buy now or after the split?

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my password (was partially correct) & was going to send nude pics of me to my contacts; rec'd email from Best Buy about my email being used to reset my pword (don't have BB acct) & today was notified of a declined transaction in Canada (I'm in TX). Besides changing pwords/ replacing cards what should I do?

Does it make sense to max out my 401k if I want to retire by 40-45?

Any advice of changing auto/home insurances?

I am almost 23 and don’t know much about the investment and savings vehicles/strategies that I should be using. IRAs, Roth IRA’s, long-term investments, how much I should be contributing/saving for financial success, etc. Any suggestions? I currently have $4,000 in savings, and a few thousand sitting in checking that I use regularly but try to not spend too much. Rent is $1600. Likely looking to go to grad school in the next 2-3 years.

Salary: $86,000/yr (~5000 a month take home)
City: NYC

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

Hi! Looking to open a online bank savings account. Right now I am leaning toward Capitol One. Anyone have any recommendations or suggestions?

Thoughts on personal loans to consolidate Debt?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

Good resources to learn about which investment account types I should be using?

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Recently purchased a home and starting the design process - planning to spend $70k on furniture in the next 6 months (sourcing through designer, not through big box retailers). What are the best credit cards out there right now with 0% APRs and rewards/cash back? Partner and I have excellent credit.

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

If I make 80k a year in Chicago how much should I be spending on rent?