Chase Sapphire Preferred - isn't it or has it ever been 0% interest on purchases for the first 12 months?

Posting as :
works at
You are currently posting as works at

Have to agree to EY1, assuming you are not married and do not have kids, as a consultant you should be cash flow positive each month.

like

^he/she says with no connection to the real world.

like

It was when I signed up (maybe a year and half ago?)

Why are you carrying a balance?

Not 0% interest

Signed up a year ago with interest, take it if it has 0%, plus its a great card if you travel/eat in restaurants a lot on your expense

^student loans can hurt you

(If you're trying to pay them off aggressively)

PwC 1, I've paid 23k of my 31k of loans in the past 20 months (graduated undergrad in 14) still have over 20k in savings and another 20k in 401k (all obtained since graduation)

That's awesome for you A1... Some people have 6 figures of student loan debt (I've paid off $75k and contribute highest amount to my 401k). OP asked a simple question and that didn't warrant judgment. I don't carry a balance, but I can understand why someone would want to leverage 0% interest over a much higher interest rate for existing debt as a short term solution.

Related Posts

HNY all! I have multiple rollover and traditional IRAs, as well as a solo 401k. But (since I started paying attention to this kind of thing) have always been over the income limit to start a Roth IRA. I’ve also not done much contributing in the last few years due to purchasing an apartment and saving for renovations. Cue pandemic joblessness... if married filing separately, would you say it’s a good idea to start a Roth while under the income limit, even in this climate? Any reason not to?

like

If I make $120k base and have 50k for down payment, what should the house price be?

likehelpful

Is QEF inclusion dividend or not? Sometimes, I see QEF inclusion reported on Line 11i and sometimes on Line 6a. I think we can rely on Sec. 1293(c) but I think it’s not foolproof. My hunch is since QEF regime is tailored to treat the PFIC similar to domestic mutual funds, we should not treat the QEF inclusion as dividends. Any help is appreciated.

like

Anyone know where/how to go about getting L/VL/VA CE credits form insurance carriers? Anyone have some specifics?

like

Incoming MBA, I have my tuition paid for and rent covered (I will be an RA). So the only thing I need to pay for is food and entertainment. Do you think 20k is enough to last me through the 2 years? I will make a little money interning in the summer, so that would be a safety valve if I blow through the 20k.

Or… should I take a small loan?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

like

I am asked to apply for visa for poland, I have a spouse and kid as dependents. On VFS website, visa slots are different for national visa and dependents..so will i have to book visa slot separately for my dependents or can i take my dependents on my visa date.

like

Deciding between 20 vs 30 year term life insurance. 33 years old and just had first baby. Anything I should consider to help me decide which horizon makes more sense?

likefunny

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

It's super frustrating to be "time poor".

That's seemingly just the nature of working in Biglaw.

But every day you have the option to buy back your time.

How do you buy back time?

It's simple—by saving and investing.

And you don't need to be uber wealthy to regain control of your time.

Consider this…

likesmart

Question fellow fishes: How long do we actually think fintech is going to dominate? When it comes to substantial wealth, security outweighs convenience. Seems to me like people reach an upper limit with fintech apps before switching over to traditional banks and firms. What say you?

like

If you could go back in time what would you tell yourself before taking out student loans?

like

Dumb question but anyone know what’s going on with KO in 2021? End of 2020 had stock approaching $60/share but then it crashed below $50 in 2021.

likefunny

Hi guys,

I got my full and final settlement today but I can see no tax deduction. Does anyone know the reason. 4k tax used to be deducted every month till now. I also got gratuity and leave encashment along

like

My mint acct is displaying one of my bank accts to have a sum of cash that is not correct ( overestimating ). Anyone know how to fix this?

like

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

I have an outdated Wells Fargo Checking/savings account and I desperately want to switch. Im looking for ease of use, better APY, and free ATM fees. I live in Southern California if suggesting credit unions.
Thanks!

hi,
i got a offer letter from hsbc before baground verification but i taken education loan for my MBA this year 2022 but my tenure to pay is not occurred. i had credit score of 728 . is there any chance of getting revoke of offer letter

like

I hear most people recommend Coinbase Pro. What’s your argument for not using Gemini Active Trader if you’re trading under $1M? Gemini Active Trader has a smidge of lower trading fees than Coinbase Pro for smaller traders.

like

More Posts

So now over 4 months without work since joining TCS😵‍💫

like

Am i right in understanding that you can't do Dropbox processing from Inside the US? You have to be in the country that you got your last visa from?

like

Being promoted to Director of Sales Development at my current company. Based in Toronto.

My base is being bumped from 110 to 125, and OTE for another 50 up from 35 CAD.

I personally know a few SDR managers that make more. Am I being lowballed? I don’t want to come off as sounding ungrateful for the promotion.

like

Does Amazon send used laptops for new joinees? I got used Macbook, just wanted to know if this is normal.

I got an offer in UBS pune with 20 lakh fixed CTC for AO role, plus 80k shift allowances + 2.5 lakh relocation.
Also have an offer from Capgemini Pune for Manager role 26.75 lakhs ( 24.2 lakh fixed + 2.5 variable).
YOE - 13 years. This is my first switch.

Current location Chandigarh, UBS asking for joining in Pune office, Capgemini asking for Remote joining.

What company shall I choose. Please advice

like

I have a friend who's a big women's sports fan, and I want to gift them tickets to see the Mystics or the Spirit.

Is it possible to do this without a specific game in mind (ie, just give a general gift card that can be used for tickets)? Or would I need to pick a specific game?

like

Just got my first pet - Teacup/Toy Yorkie! (Wife and I have been wanting a dog and quarantine seemed like the perfect time to get one)

Was looking for Pet Insurance for him. PwC offers a 10% discount through ASPCA. Was wondering what pet insurance everyone else has and if any company is preferred?

I’m thinking of a plan with a $250 deductible with 90% reimbursed with a 10k annual limit of total reimbursements. Thoughts/opinions on this?

Pic of him in the comments :)

likeuplifting

Any idea what kind of succulent this is? It's growing funny and I don't know how to make it happy. 🤣

Post Photo
like

I have been interviewed on 23rd April and was asked to upload documents on the same day. From that day my application status is Review in Progress. Does anyone have any idea till when I can expect call from HR.

like

What is the pay for a Operating room RN with 10 years experience in Austin, Texas?

like

Buyout lease or buy new? Leased a 2014 Camry for 2 yrs. Has 20k miles on it, would be $15k to buy 4.99%, dealer says worth $13k. 2017 Camry: lease-$162/mth w/2500 down or buy $320/mth w/4000 down, 0%

like

When you are updating your resume, do you name the clients you have been on? Or keep it to the industries.

like

What are your thoughts on being out at work?

like

For those of you in tax, in what ways do you utilize Alteryx? I just completed a basic training and am looking for ways to integrate this into my engagements.

likehelpful

I’ve seen BareFaced mentioned a few times in this bowl. Previously I’d never heard of it. How does it compare to a SkinCeuticals or a Obagi - especially for products like VitC and serums?

like

What can I expect my in hand salary to be?Under old and new tax regimes?

Post Photo
like

My browser history is failing me and hope y’all can help! I recently stumbled upon a website where some ad folks had compiled a bunch of idea/conceptual thinking approaches and if you clicked through there were past spots that had utilized that idea / way of thinking. I wanted to share it with a mentee and can’t track it down. It was a simple layout: grid of images w/headline naming the idea … Sound familiar?

like

Dear legal recruiters who used to work as attorneys: are you glad you made the switch? I think recruiting could be fun but I know how much I ignore recruiter emails daily so it makes me think it’s touch to place people and make a consistent income. Thoughts?

like

Working at a private equity firm as an associate/analyst is similar to that of investment banking.

like

We have a big project going on and I am the only point person(initiate it, did lot of work, and knows the deets well), seems like my mgr wants to get a headcount. But I want to use this opportunity to get promoted, how can I get this across? Mgr is new(they fired my old mgr), mgr’s mgr is new too(re-org). So not sure if I should/can make a case, or how.

like

Additional Posts in Consulting

How to pivot to AP or A&M from tech consulting? Obviously thinking MBA - will PT suffice? Will even full-time suffice? Or doomed bc I would need industry experience already?

like

I want to make my money work for me and investing in index funds seems to be a good first step. Anyone have any good books/research websites to recommend for investing in index funds and/or other financial instruments? Would also appreciate advice anyone has for a first time investor who is terrified of losing money to the market.

like

When you’re wondering if you need marriage counseling instead of looking forward to vacation planning 😔

like

Bench time done right:
Camper van + cell signal booster + (nearly) unlimited battery power + National Parks pass = gorgeous “home office” views

Post Photo
like

Looking for recommendations on a good book/resource on how to manage people, especially when you’re managing teams to achieve tight deadlines and also overall leadership for those teams. Currently on a project with tight regulatory deadlines and feel like I’m struggling to push people without pissing them off. Great learning curve for me and a good read seems timely. TIA!

like

What firms will pay for a MBA? Deloitte Consulting does and Deloitte Advisory doesn't. Thinking it's prob time to leave advisory.

like

Deloitte folks - what's with the new structure? Is the monitor team pulling folks from S&O for staffing?

like

Told a friend of mine in tech I was considering moving to BCG. He asked me if I would have to move to Boston.

I followed up by asking what he thought the top consulting firms were. "I'd guess PwC and then McKinsey are the best. I've also heard of KPMG, Deloitte, and Bain, but I don't know much about them."

Just a reminder that outside our bubble no-one really cares about firm prestige etc.

likefunnyupliftingsmarthelpful

How do I begin investing? Graduated in June 2018 and started my job in August 2018.

like

Are grocery delivery services like peapod still delivering during this time?

like

What are the best consulting companies in the US focused on Sustainability, either Strategy or Ops?

likefunny

HR/human capital/PAS consultant 🐠: If I have a Masters degree in HR and 2 years experience, is it worth it to get the aPHR or SHRM-CP? Or is the Masters degree enough? Should I wait for SPHR/SHRM-SCP

like

Anyone stayed at the Sheraton Los Cabos? Or recommendations for any other Carribbean/Mexico SPG that's 12,000 or less per night

like

Sunday mornings are meant for coffee, stretching out on the sofa and “The Golden Girls”.

like

Constantly running into “Cookies Required: This inflight Internet session requires your browser to accept cookies” on Delta WiFi. My browser definitely accepts them. Any clues on what to do?

like

Thursday Morning Blowout

Post Photo
like

All these restaurants, movie theaters, grocery stores , etc sending emails about how they’re taking “extra steps” to ensure employees are washing hands etc. So were they not doing that before Corona??

likefunnysmart

Deloitte🐠: How much pull do Senior Managers have in the interview / recruiting process? What stage of the process are they interviewing candidates?

like

Insights into the best consulting firms for public service/ nonprofit work?

like

Going to a T2 strategy shop this summer (MBA intern). Applied and received no interviews from any MBB. What are chances of success for re-recruiting in the fall? Any risk to trying?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal