Dear Fishbowl Community,

I trust this message finds you well. I am currently navigating credit score challenges following seven consecutive late loan payments from April to October 2022. Despite my efforts with on-time payments since then, regrettably, my score remains persistently low.

I humbly seek your valuable experiences and any advice you may have on improving my credit score under these circumstances.

Thank you and wish you all lovely holidays🎄

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

Starting apartment hunting in NYC soon. Any tips and recommendations for studios & 1 bedrooms in the city in terms of price range, ROI, neighborhood, down payment, best time to invest etc.

What's a usual amount of time that you have to stay somewhere in order for your RSUs to vest?

Investing US 50k per year on a joint income of 170k. This on top of mortgage payments for a 400k penthouse. How does this look?

Really regret not selling United Wholesale Mortgages. Very confused on what to do with this one. Unless it gets PT it’s gonna be stuck around the 10 range. Think I may be eat the loss on first say a dividend is available

Any idea what the closing costs would be for the buyer for a house worth $500k?

Anybody have experience with PenFed for a VA loan? Came up in a search and their rates are extremely competitive. Any reason I shouldn't take the lowest bidder?

What stocks do you look at to swing trade?

I seem to have over contributed to my HSA by ~$50. Is it even worth it to withdraw if my HSA charges $20 for processing an excess distribution request?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

Is this the right time to buy a house as a primary residence. Everything is above listing price and going up on a weekly basis. What is your recommendation, be on rent for another year or two till the time property price go down or buy a house and save money on rent. Aprox budget is $500k and renting a house for 2200k per month as of now.

Can someone teach me how to get rich? Dead serious, looking for a mentor that went from having a slightly above average salary to making a lot of money (and no family money either).

Anyone buying a place during Covid times in Denver? How's it going?

As a transactional lawyer, is it safe to use a robo investment service like Betterment or can that raise securities issues?

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 ?

Recently sold my car on carvana. I had initially bought it using a loan from DCU. Now that carvana has paid me the balance after paying of the loan, i still see on the dcu app that I owe money to dcu. People that can relate, can you take me through next steps?

What's the best city in UK to buy a buy to let property, with best returns?

Am I the only attorney who half ass works all day and then when they know their boss has clocked off sigh relief and start working through the night??

Former biglaw first-years now in government: Do juniors in government get more autonomy than those in biglaw? Or is the review process for juniors' work at least more efficient/streamlined (i.e. reviewed by one mid-level and one senior, instead of four mid-levels, two seniors, and two partners)?

What's the best way to approach a manager about a performance review? I've been at my company for 2 years, and I want to make sure I'm doing everything right.

Hello,

Can anyone please tell me about the deputy manager band 2 profile in icici bank..
What kind of work it has??
Do we get team or individually have to do sales??

Currently scheduling “on sites” for a S&O role in CA. My referrer said they can hire as L5 or L6. Would like to land in the L6 bucket as I’ve heard 5 --> 6 is one of the more challenging promotions.

I’m looking for info on what the real difference is in responsibilities (manager vs IC, cross functional vs focused, etc) so I can focus on checking the L6 boxes during my interviews.

I’m also curious about whether this is something that I should just discuss with my recruiter directly?

Anyone from Ola ?

Planning a trip to Rome and Naples with day trips to Tivoli and Pompeii. Is 1 week enough? I feel like reading through 3/4 day Rome and 2 day Naples itineraries, the trip seems rushed. I have unlimited PTO but my SO is limited in time (but luckily he can work extra hrs and then use less PTO). I would say max we could do is 1.5 weeks but adding on 3-5 more days seems almost too much? Thoughts? For reference, I did Venice-Florence-Rome in a week and it seemed okay but it also wasn’t as planned out

Secret’s Out: airlines measure the broadest men and put them in the middle seat

Invited to a recruiting/networking session for an analyst level role at a Bain Capital. Excuse my naivete, but is business professional (full suit) the expectation here? Unfortunately my only well fitting suit was torn recently so trying to see if I can get away with another outfit

What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

This just in: Uncle Ernie telling us how shitty of a year we had and that they're stripping our firm-wide holidays so that we can be utilized more and reach our vision 2020 goals!

Anyone insights / perspective on Guidehouse’s Finance Transformation practice. Type of work, people, etc. Thanks in advance!

Hi techies

I am a python developer with an experience of 3.3 years. my current CTC is 7 lakhs.
How much salary can I expect If i switch now?

What can I expect from a recruiter call tomorrow? Anybody know the lengths I need to prepare?

Recent cases of PERM approved within 5-6 months? Submitted in early June, hope to get approval by EOY.

How do you folks feel about paying for servicing? Paying a few hundred bucks every few years is a big nut.

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

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

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

In a perfect world how much would you want to make a year to both pay off your loans and live a good life? I think I'd need to make upwards of $200k to pay off my loans, take care of my family and live a fulfilling life.