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Hi All, Today I've resigned and my LOD is 2 Sept. Can anyone please let me know for these 90 days salary would be credited only after FnF. Or June'22 salary will be credited as usual, however, July and September salary would be credited during FnF. Please confirm or suggest.
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HCL Technologies
Bank of America Does anyone know how the bands work in BoA? Have a verbal offer for Band 4 data role with 25% hike in total comp compared to my current Band 3 role. Trying to figure if future salary growth will be impossible if coming in at the very high end of band 4 at BoA? Any insights welcome!!
Hey guys! For anyone looking to exit consulting - I am hiring! Super interesting work and great wlb.
Comp is great, esp for YOE with huge bonuses directly tied to individual performance/metrics. Job is doing sales analytics/strategy at a mid-sized bank. Looking for people with a strong analytics background (SQL, Python) and PM experience ideally in FS. Looking to hire IC roles anywhere from 3-6 YOE in the Bay Area, LA, and NYC.
Shoot me a DM or your resume @ eyfishbowl214019@gmail.com if you’re interested
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Remember when Marissa Mayer took over Yahoo and immediately banned WFH? Who else here has discovered during this pandemic that they actually get more work done while WFH?
https://www.forbes.com/sites/jennagoudreau/2013/02/25/back-to-the-stone-age-new-yahoo-ceo-marissa-mayer-bans-working-from-home/
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Also, I don't think the conversation about student loan debt is over in this country. If Bernie had his way a ton of debt will be discharged. Let's be honest though, even as an analyst we'll make too much to qualify for that. They'll probably find a way to make us pay the other people's debt.
2k
$105
Your interest rate is 14.5% or your loan payments are 14.5% of your income? If the former, you should SoFi. Me $2K/month or 33% of my net salary. But that's because I defaulted on my non-federal loans so am in accelerated payment. I ultimately saved $100K in interest and principal and 10 years of stress.
Executive summary: OP, figure out how to get your monthly payment reduced and use the extra money to rage
Also, my loan interest rate is at 14.5%. It's like a freaking credit card debt. That's why I'm paying a huge chunk (40%) of my take home pay towards it. My loan duration was 7years, but 2 yrs down I'm done with half. Should wrap up in next year or so. Target is to maximize my monthly so that I pay off as much principle as possible. Hopefully I'm doing this right.
If you have fed loans there's a bajillion dumb ass reasons why you qualify for a lower payment (gotta love our governments stupidity). But then obviously less goes to principal, so maybe I'm the stupid one here
D1, true less goes to principal and overall you may accumulate more interest, but if you're like me and fed loans are less than the rate of inflation (inflation is 3%), the accumulated interest on fed is worth paying off any other loan.
That's an interesting option. I didn't know about that. Let me explore that. Thanks :)
Damn. @ PWC 1 where'd you get those loans?
Mine are around 6, but yes you have a good point. Also, student loans don't impact your credit rating nearly as much since they can't be discharged in bankruptcy usually.
Your fed is around 6?
Don't wanna bore everyone, but yea. My fed loans are in the 6ish range. OP, do you have private lender loans so that's why your rate is so high?
Ha :-)
Check out SoFi and other lenders; they are offering less than 3% if you qualify.
I checked SoFi, but it is for citizens or permanent residents only. I was an international student and my loan is in my home country.
I'm at 1800. It blows.
OP, I think you are doing it right :-) any loan over 3% is higher than inflation, and any loan over 5% is higher than most ROI from investments. And you'll be done in 2 years (me too! So excited!). Can you get a credit card in the US? Because another option is to pay some of the 14.5% with a 0% transfer balance and 2% fees. If you only have 2 years left to pay, that should cut a few months off for you. I'm clearly obsessed with this :-) I graduated with $200K debt 10 years ago. I didn't start making 6 figures until 3 years ago (sad I know, totally undervalued). Best feeling is to be almost done 😎
@PwC1: I do have credit cards here. But I don't want to max them out and get a hit on my credit score. Since my loan is offshore i have a very solid credit score. Don't want to change that. A friend did that and their credit score dropped a lot!
Thanks for the feedback folks!