Does anyone have or had in the past the Bank of America Premium Rewards card? I feel like I can do better for getting cash back on spending, not necessarily for travel … There is so many cards these days and looking for recommendation i especially from those who had this card.

Hi! What are your experiences with Robo Advisors? Worth it? Or is investing in a few standard ETFs (no day trading) going to yield more return?

I have a 401k and A Roth IRA but I’m not active in my investments. What are some good sources to get started to understand personal finance and investing?

What are fun water based things to do in DC? All boats seem to be booked up for Memorial Day.

Hotel or corporate housing? Benefits and drawbacks of each. This is for a long term engagement in Denver. I really like getting my Marriott points, but wouldn’t mind staying some weekends in Denver.

Strange q - If I kinda ruined my professional reputation in my recent 2 jobs in Bay Area, is Bay Area small enough for the reputation to travel and ruin my entire career in the future?

Am flying business class but a travel companion is flying in economy class. Is it possible for them to check-in at the business class counter with me so we don't have to wait in the longer queue?

Any recommendations on places to stay, visit in Dubai? Holiday family of 4 if that helps. Thank you!

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

ZS 🐠, how often are you at the office vs client site? I’m curious because I’ve heard they don’t travel much

If you invest ur HSA funds into stocks, do they get taxed upon selling? I know they grow tax free. But if I sell them and not make any withdrawals, wud I be taxed?

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

My generation is really f#cked up. It's impossible to save any money. And it's not that I don't want to. Is simply because I can't do it, by the end of the month there is really not much left. I'm exhausted of working to just pay bills 😔 Sometimes I wonder if those people that quit everything to have a better life are really the smarts one.

Should I take solace in the fact that despite the great tumble I am still in the green (barely)? Hard not to feel like I lost the 50% gains lol

Non-US-citizen, resident aliens - worth maxing out 401k, Roth etc? Might not stay in US until retirement.

Anyone investing in index annuities? Can someone explain why this is beneficial?

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

If I received 2019 income in 2020, do I need to amend my return? I just received a K-1 for a few thousands that is for income earned in 2019. Not sure if I need to amend or if I can just put it in my

I have a side gig consulting business specializing in data analytics, PowerBI, API integrations, data warehouses, and Amazon PPC. My team and I have worked with multiple top Amazon companies to do this. Anyone know someone who needs this ?! Let’s chat !

Anyone know why our miles didn’t carry over to the next year? Had 20k miles over Delta Platinum

Can anyone share what is the working mode for now in Both KPMG India and KPMG Global ? WFH / WFO / Hybrid - if Hybrid how many days work from office ?

QA lead -10yrs exp... Longing for a change.. Plz DM me so that I can share resume

Can somebody tell current leave policy in LTI? What are the leave types available and how many days?

How are the mulesoft projects in LTI?

Friends what are the benefits of green card for parents if they do not want to relocate? Anyone else faced similar situation

Hi fishes,
I am currently working as Branch Manager (scale-2 officer) in one of the leading public sector banks and have 5 yr experience in core banking. I am having 2.5 years experience in the IT sector on vision plus as a software engineer (before joining the bank). I have knowledge of core banking as well as good knowledge of banking tools like finacle, caps, imac etc. I want to switch to private financial institutions.
Any suggestions about such institutions and the domain for I can apply

How to find your legal team/ help? I am working on and iOS app and there are some legal areas I need straightened out before I sink anymore money into it. Where is a good place to find legal help

Flying over to Thailand in a couple of months with a long layover (10 hours) in Dubai. Is it worth leaving the airport? And how easy is it to get around the city?

I’ve been looking into continuing my education. I’m a certified veterinary assistant (worst mistake ever), and I’m thinking about starting my prevet courses, and becoming a CVT on the way so I have a guaranteed job. Anyone know if this is possible?

Hii everyone,

My self Dr Neha, PharmD graduate seeking for job opportunity in clinical research field.

I'm really getting depressed day by day because I'm not getting any response from the recruiters.

I got passed out in the year 2021 and had worked in a CRO for 5 months only

Please help me out with the job opportunity, it will be really helpful for me.

Thank you

If you do billable work on a given PTO/vacation day, do you still count that day as vacation? Or do you get that vacation day "back"? Or do you only get the part that you billed "back"? (Or some other option.)

🐠 with <10 total YOE and $200k+ base. Can you highlight your role and path? Trying to identify more stable non-banking and tech roles. Thanks!

Hi

I have joined IBM and resigned within 50 days.
Reason: project I was allocated not good and I initially rejected project but they forcefully moved to the project.I have asked multiple times to replace the project after that I have resigned.
Now manager is threatening me that I will be placed under no hire to IBM.
Is it ethical?

Hi Fishbowl Community,
I graduated in May 2022 with a Computer Science Degree and a Data Science Minor. I am still in the job market searching for engineering roles in tech. My interests are Software Engineering, Data Science, or Design focus engineering roles. I was hoping to learn some tips and tricks to help me with my search.

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

QQQ vs VOO?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

In your opinion which is the best target fund to choose in IRA Roth?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Can someone help me understand how backdoor Roth works in my situation?

I contribute the $19.5K max to a 401K each year. Would backdoor Roth be (A) the ability to roll $6K of that $19.5K into a Roth? or (B) an incremental $6K that I could contribute to a separate IRA then backdoor into a Roth?

Asked another way, does backdoor Roth allow me to actually contribute $25.5K each year, or does it just allow $6K of my $19.5K contribution to build in a Roth?

Thanks!

Google stock to buy now or after the split?

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Have about 5k to invest - should I do FXAIX or FSKAX?

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

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Anyone have a recommended tax person in Chicago?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

What do you think are missing from the personal financial management apps such as emma, yolt, cleo

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?