Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Does anyone recall what senior consultant utilization targets are at Deloitte?

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

Anyone else feel like the markets always conspire against them? I.e. I have a “fun money” day trading account and bought two stocks about a year ago. Sold them because they weren’t doing anything and I found a more attractive investment and then they’re up literally 60% over the next three days after a year of 0 movement.

Why has real estate remained lucrative?
Mainly agents but also developers.

The barrier to entry is low, not even sure if graduating high school is needed. My old agent even said she did it bc she can make a lot money and not work that much. She drove a new Mercedes and sent her kids to private school, husband was also an agent.

So I’m curious why it didn’t get flooded and the profit margin dampened to a $/hr closer to other jobs with similarly easy entry?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

What % or amount do you aim to save every month, and what have been you most effective tips at decreasing your spending?

1099 or w-2 ? I have been given the option though the company prefers w-2. It’s a day rate booking couple of months or more (no end date). I already have 1099 from similar company this year and am leaning towards 1099, but I don’t want to be difficult. I do take home office deduction and they are not supplying any equipment. Suggestions?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Kina freaking out. I'm applying for a new bar. They asked about credit card balances. I took that as they must mean do you carry over anything because my exact balance changes every day and my credit score once a month so I said 0. They just pulled my credit report and well it's not 0 as it hasn't updated yet. Did I do anything wrong?

Which credit card do you think is the best for ME consultants?

Tax Loss Harvesting worth it - if the future cap gains exceed what you may save now? Torn between adding more vs harvesting (gains on individual stocks/etfs are minimal to none this year) lol

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Is Capital One currently hiring? Had my last round of interview back in April and never heard anything back since

What is EBA IN Bosch?

Is KPMG, EY and PWC considerate about one not wanting to travel and chosing local projects in the IT Assurance practice? Please share your experiences. Thanks!

I have an interview coming up for internal audit manager. Currently in external audit. When asked about my experience in ERM - what would you say Is transferable skills that I can leverage in my answer?

Does HCL run BGV on UAN?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

26 no debt, working in a bridge role and planning on leaving ASAP due to instability. Mom has cancer.
Considering grad school but I want no debt.
Would it be a bad idea to take out a mortgage loan and buy a quad pled in the event of a loss of income I can at least still take care of the family?

I recently had an interview with HCL and cleared 2 rounds of technical interview. I waited for a week for HR call but no such call was received. I then contacted the POC who scheduled the interview (he is an HCL employee) and he said that I have been shortlisted and will receive HR call shortly. This was 1 week ago and I have still not received any call. Has anyone else faced the same issue? And if yes, should I even expect a call fro HR?

what's the best app/site for planning an itinerary? I'd like to list all the things I want to see and be able to plan out the order by day. surely this must exist. tripit seems very manual/lacking.

Hi guys I'm looking for a refferal for Societe Generale's Specialist Software Engineer-Python & Neo4j

Position

Have been offered 07B grade in ibm..
Wat will be the roles and responsibilities.?
Stack : Oracle ERP
YOE : 7.5

Does anyone aware if there will be a problem in getting i140 approved on EB3 if I am having 3 year degree as education qualification.

do any consulting firms in the US (MBB, Big 4) sponsor MBA programs outside of the country (e.g. London Business School, HEC Paris, INSEAD)

Which LOB is good for JPMC Bangalore location ?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

What is your socioeconomic background and how much NW do you consider “enough” to be able to live comfortably?

This is gonna sound stupid, but I’m honest - I can’t do math. Calculating a tip is as advanced as I get. Thank god for excel formulas and a math savvy husband. At the end of the day, I pay all the bills (I know- but I’m more organized) and make double his salary, what low stress effort (on my limited math capacity brain) can I do to increase wealth?

I feel like I should be doing more with extra money to help us financially, but I’m scared of having to study stocks and understand the numbers. 😖

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Anybody using Marcus high yield savings? 1.9%APY seems like a no brainer, just want to be sure I’m not missing anything.

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Which is the best brokerage to get into Pre-IPO?

Should I move to another firm and take the higher pay (20% more) and do more work I’d enjoy doing and have better growth and long term career potential, while sacrificing my current title (would have to step down from associate to analyst), WLB, and team chemistry?

I'm a young professional finishing my first year of my career. Last month I opened a brokerage account & invested $4000 in the stock market. I'm planning to invest at at least $2000/month every month now with the goal of creating a passive income stream. Do any of you have experience with a dividend growth strategy? How did you get started?

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

Are my crypto profits taxed?

Well yes. Crypto is taxed like stocks & other types of property. When you sell for a profit, you are required to pay tax on the gains. It’s called capital gains tax.

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

I'm a Canadian on the TN visa working in the US and planning on maxing my Roth IRA (6k) and will have enough left to max my 401k this year, but am not sure if I should just use a taxable account over 401k due to tax considerations when I move back to Canada (likely 1-2 years from now). Any thoughts here? I don't think I'll have enough RRSP room to move 401k>IRA>RRSP and I would prefer to not have to file US taxes every year in retirement for withdrawls if I left the 401k in the US.

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Question about what to do next. I’ve maxed out everything—401k, HSA, IRA, backdoor Roth 401k. My bills are all paid. I’ll probably make about 16,500 more this year to do stuff with (ie money that isn’t going to taxes or insurance or anything). What should I do with it? Crypto? Set it on fire? Get a hair transplant?

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

Anyone here from NYC? Be cool if there was a meetup.