Does anyone carry a balance on their credit cards or do you pay them off every time you use them? My brother has nearly $20,000 in credit card debt and I'm not sure if I should help him because I think it was his fault but maybe I am being too harsh?

Money Transfer - what's the best way to transfer money from India to the US? I have an NRO/NRE account but the only reservation I have using it is that they don't give a good exchange rate.

Any advice, suggestions and recommendations of other apps that have worked for you? Thanks

Hi everyone, not sure if I have any options but figured it doesn’t hurt to ask. I signed a lease in June for $2050 when I was under the impression it wouldn’t get lower than that. The same apartment is now down $1650 and has been dropping. this is super frustrating since it’s such a dramatic drop. It’s almost more cost effective to break the lease for $4k in order to save $4500 over 12 months - $500 in total savings + cheaper if I renew next year. Do I have any negotiation power? Pls help/advise

What do you all think of fundrise and start engine Real estate Reit ? Any experience? Would you invest here if you didn’t have the time to actually buy and rent properties? Any insight is welcome.
Thanks

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Without thinking it through I signed up for two cards at the same time I need to spend 8k in three months which is fine but any way to track my second against promotion vs actually loooimg st my state

I recently joined citi. I have been given choice for to select superannuation as 13% of BS or 12500/- monthly or zero.

This is one time selection and not reversible.

I am already investing 1.5 lakh in 80C through SIP and EPF.

I need more detail about superannuation and is it beneficial or not?

Also is there any retirement age in IT field 🤔 (or in citi)?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

Hi all, how did you solve the retirement puzzle?

As an expat, I went on the Degiro for investing at the moment, since the account can be used from all countries.

Was considering to invest also in an insurance, but is apparently not possible if you live abroad and then maybe go back to the home country.

Have any tips?

Thinking about buying first home. ~$600k. How was your VA home loan experience? In a competitive market, was it a weakness? Is it an issue with lenders? Do I need a RE agent well versed with them? THX

My mother is going to get retired from her government job next week and will recieve her one time payout of close to 90 lakhs by the end of the month
The amount is non taxable but any profit earned from the amount will be taxable. Where should the amount be invested?(next 8-10 year horizon)
1. Buying a 3 bhk flat for around 95 lakhs in Sec 31 Gurgaon.
2. Put all the money in FD and live off of interest.
3. She is not very ecstatic about investing in stocks.
4. Gold?

Can we file separately as a married couple if I have already contributed to the IRA for 2020? IRA guidelines say married filing separately cannot contribute to IRA but well too late lol

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

If I finish my MBA with extra loan money, should I pay it back to reduce the principal? Or invest it into the market? From my perspective it seems like it makes more sense to invest since the market is likely to generate more than my current loan rate. Although having debt also provokes some anxiety.

For additional info: my loan is a private loan of ~100k at ~5.2%. I have no other debt.

New to US. Which brokers offer best margin accounts? For e.g. I have equities worth $100K and want to trade options. Is there a broker where I can do so without paying more in collateral money - essentially using stocks as collateral, and also not paying margin interest. Was able to do so in London, Hong Kong, and India. However, Robinhood here doesn’t seem to allow it.

Sharks! I’m 33, currently working as a Java Architect (11.6 YOE, 40 LPA INR). I’m planning for retirement at my 40. Currently owning a house worth 1 Crore INR where I’ll be closing my home loan by this August. Please suggest diversified options of Investment for my retirement. I don’t have any investment till now (except the house) as I used my whole income to close off the Loan which I took in 2019.

When you ask your partner to change the wording of the audit opinion to "deez financial statements is Gucci"

If I max out my traditional 401k and have a mortgage interest deduction to against my w-2 taxes does it mean I can pay way less taxes than a average person who makes same amount salary as me?

Exl offices not opening anytime soon right ?

Let me know if you need a referral to EY or EYP! US or Global.

What is a look back analysis?

Hello Fishes,

A component in the Remuneration structure named "Organisation's contribution towards wellbeing". Could you please help me understand what does it include? Is it subject to reimbursement?

Requesting the fishes to give some clarity on the same.

Does anyone have any experience with taking additional classes after undergrad to raise gpa?

FIRE Newbie here - wondering how everyone is retiring early (30’s 40’s 50’s) if the majority of your savings are tied up in tax preferential retirement vehicles you can’t really touch for another few decades?

For the ppl that got BCG offers lately, what were the start date options you received?

Anyone out there from Tesla willing to refer? TIA!

Currently in consulting where I get to do data visualizations sometimes but not always, have an opportunity to shift to a data analytics focused role. Struggling to decide as I am not fully sure if I would be competent in/happy with daily data work. Advice, thoughts? 😣 I just never find what I like…

Hi everyone, I will be highly obliged if someone can share the interview questions for data scientist/decision consultant role in fractal

Hi Chicago Fishies ✨ Sushi restaurant recommendations with heated outdoor seating? TIA!!

Just got an offer to upgrade my Amex Gold to Platinum with a 100k point bonus (spend $6k in 6 months). Is this worth it to upgrade to platinum? Would you do it

Best SPG + Marriott hotels in Beijing?

Did anyone else from PwC sign up for the special rates/accrual targets for status with United for business travel? I can’t find my email tracking my progress, must’ve deleted it. Cont....

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

Thoughts on the new Chase Freedom Flex?

Is there a United status challenge?

Did EWR pull out of priority pass? Seems like there are no more lounges listed at the airport. Kinda disappointed with the sapphire reserve lounge access…

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

Got leaked on by condensation on my flight. They switched me to the same seat on the other side. Got leaked on again and got switched again. Would you file a complaint?

Which CC is better for sign-up bonus - Citi Premier 80K points or Chase Aer Lingus/Iberia 100K Avios points?

I churn somewhat regularly and am under 5/24 by 1. I think Citi's points are more valuable but maybe I should knock out another Chase card before I'm at 5/24 again, even though Avios isn't as versatile?

I have a boneheaded question I’m pretty sure I know the answer to. My partner can’t use my Hilton Honors account for an upcoming stay he is going to book, right? He doesn’t need my discount or anything - was just hoping that he could get my diamond benefits.

Without thinking it through I signed up for two cards at the same time I need to spend 8k in three months which is fine but any way to track my second against promotion vs actually loooimg st my state

Selling 2 United GPUs valid prior to Jan 31,2020. PM me if interested.

Amex Platinum or Chase Sapphire?

What are some good Marriott properties to stay at in the Dallas area with points?

Is there a thread of company discount codes? ISO Hilton code (do not judge me my BIL is getting married at a Hilton and his fiancé is going to go postal if we don’t reserve a room now)

Unethical to pocket citi prestige 4th night reimbursement?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Where are the good point promotions? Spg (soon), Hyatt recently just ended and those were lame. Anyone know good ones going on or starting relatively soon? Interested in rental and air promotions, too.

Anyone complained about a car rental and got points for it? Got a car from hertz and the car battery keeps on dying. Got jumped, drove around for a bit, and died again...