Has anyone consolidated student loans? Which companies did you use? Variable or Fixed? I’m leaning towards Navy Credit union, but wanted options. Thanks!

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Personally used Earnest.

They were very easy and let me customized. I wanted a very specific payment and they let me do a weird 13 year, 9 mo refi to hit that payment. Plus the rate was one of the lowest I could find.

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Federal or private loan? Personally I wouldn’t refinance my federal loan because you lose all benefits, i.e. you wouldn’t be able to take advantage of the current forbearance.

I refinanced my private loan with a local credit union, they had the best rate. I would never do variable unless you know you can pay it off in the next year or two, otherwise you can’t know how to plan for future interest rates.

If you haven’t already, play around with a loan amortization table to see the payments, interest, and effects of paying additional each month. Always make sure you’re comfortable with the payment and give yourself some wiggle room in case, god forbid, you were to lose your income.

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Related Posts

Got married, bought a house, doing a major remodeling, planning to have a kid… safe to say that I am no longer on track with my FIRE journey 🥲

likefunny

Does anyone have experience leaving their firm and using the pension benefit to negotiate with the new company? I’m not vested and will receive an offer from industry (company doesn’t have a pension plan). Curious to hear what others have done. My pension wouldn’t be huge but it’s a decent chunk of money to walk away from. What are some things that have worked? Additional sign-on bonus, bigger stock grants, etc. Thanks.

Obligatory financial info post. 1) size of firm, 2) billable requirements, 3) salary, 4) bonus, 5) quality of life, 6) debt, and and 7) family/married/single. Go!

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What does 401k mean?

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I make $140k in New York. Should I invest a Traditional 401K or a Roth 401K or do a split?

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Hi tax 🐠,

I have a question for those who prep individual tax returns. My parents claim my grandfather as a dependent on their tax return and due to their low income, receive PTC for the premiums they pay on his insurance (not eligible for medicare). However, would it be advantageous to have him file for his own tax return (he stays with my parents and doesn't have his own proof of residency via bills). If so, can he get PTC if his income is 0?

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Got $160k in student loan (3.96% interest rate over 7 years) and make $160k salary. Have about $70k in cash. Currently pay nothing in rent but will move to high COL city after quarantine.
What is my best move here?

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Here’s how to withdraw your funds from FTX

Hedge Withdrawals

Open a position on FTX and an opposing position on another exchange (perhaps Binance for the irony) for the same financial exposure. If the position on FTX profits, keep trading. As the position on FTX experiences losses, the opposing position on the other exchange profits. Keep it up until you’ve depleted the funds on account at FTX the close your opposing position. You’ve successfully withdrawn funds using a hedge. You’re welcome.

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I just got approved for my second CC and it has a limit of $18,000. The credit card is with Navy Federal and it’s the cash rewards card that yields 1.75% cash back on all purchases. Can anyone give any tips or ideas as to what I can do with this? I was thinking to purchase an existing business that is already generating income. Thoughts?

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I’m surrounded by all you smart people (well most of you)... what’s your saving strategy and why? Tell me the following:

Salary
Rank
Total savings
Net worth
Debt
Home owner (Y/N)

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Does anyone in here participate in a 529 for their kids? Is it true that you can deduct contributions from your state tax? If so? Is it 1:1? Trying to decide how much to contribute for maximum tax benefits. TIA!

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If I’m above the Roth income limit, can I do back door Roth for my Roth IRA and mega back door Roth for my Roth 401k? And does back door Roth count against contribution limit for mega back door?

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I am 31. I have $750k in assets and 400 in liab. Net worth is 350. Largest assets (excluding real estate) are 120k in 401k, 40k in brokerage, 20k in crypto, 25k cash. Own property totaling $550k (2 condos) but debt of 350k so 200k of my net worth is in real estate. Student loans of 30k. Thread continued 👇🏽

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What short-term trades are you making through the rest of the year (close position by 12/31)?

Have 3 401k and 1 ira account. Now have to consolidate all of them in vanguard. Any recommendations on how to move them
Looking for options to take advantage of rollover.

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If I've maxed out my TFSA, should I continue investing through an RRSP or a personal investment account?

For context, I also have a good pension. My main concern is that while the RRSP will be nice to lower my taxable income now, I'm worried when I retire I'll have to withdraw too much from both the RRSP and pension. Thoughts?

Anyone have experience transferring stock out of Computershare? Rolled my old 401k to a IRA and am trying to figuring the best/cheapest way to transfer my former company stock to my taxable acct. I assume transferring to the IRA is not possible

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How hard is everyone pushing their corporate clients to authorize nonresident assignees whose only 2020 US compensation was the value of their 2019 tax preparation?
My clients are pushing back on it this year, and I can't say I blame them. If I were in their shoes, I'd rather take the risk of not filing than the expense of filing again. From my own point of view, I don't really want to spend my time on such returns, either, even if the revenue and easy return are nice.

Experts - Best redemption option for Amex reward points (the ones that come with standard green Corp Amex card)??? I use them on Amazon but checking to see what other options are better...

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Has anyone has any luck getting a refund of NYC tax as a nonresident? I am paying tax because my office is in NYC but I never moved to NYC due to covid. I have been in Texas the entire 2020

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More Posts

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Hi, I’m in need of some salary negotiation advice (continued)

They named an agency Labour...

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Reccomendations for casual and/or professional wardrobe/image consultants for women, no trunk club like services. Thank you.

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I am a PIO at a state agency and I’ve been thinking about applying to the FEMA reservist. Does anyone have experience with doing this while also being employed for a state agency? Is that a normal route to take or is there another way to gain more experience with disaster/crisis communications?

Any insight appreciated!

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I am on a career break looking for domain transition into Analytics. More than one year I am not having job. My previous experience was of 1 year and 9 months in Content Engineering not experience of Analytics. Please help me.

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Realistically when can I expect to hear back after an interview? I don’t know why I just figured you hear back within a couple days but it seems like that may not always be the case?

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Hi Fishes,
Good day !
I’m looking for a job change !!! I’ve an experience of 10+ years in IT&Sales. If any leads please let me know.

Thanks in advance !

Due in 2 weeks with baby number two, husband just tested positive for Covid 😩 He’s been around me and our 2 year old the past 2 days, getting PCRs for me and my LO tomorrow. Freaking out is an understatement. We had our first in May 2020 and never thought we’d still be going through this 2 years later. Anyone know anyone whose delivered or had a c section with Covid? Looking for some encouragement everything will work out okay. This is crazily the first time we’ve had it!

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Any advice on how to go about asking to switch partners? I've only been here six months. We don't vibe and I feel like it's limiting our abilities to make great work. A month or two ago I asked them..

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Junior Dev presents an issue they’re having. I hint to the fact that it may be framework related (this is a very simple fix). The questions they are asking seem out of context, so I ask if they have done any framework related research generally, as our entire application is built on top of this. They answered no, they have been here for months, and it’s not like this wasn’t in the job description. Am I missing something here? Trying to be helpful but stuff like this is frustrating.

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How much time EY takes to roll out the offer contract? The offer was shared in a formal discussion however contract is still pending.
Ps: More than a week since the discussion

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What one thing you like about your organization?

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Post MBA - MBB vs FAANG product management role vs Startup Biz Opps role vs IB (2 year Associate) for getting into Venture Capital?

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Do you know what’s funny?

It's been 3 weeks since I submitted my application to Bain/BCG. No response yet. Am I doomed?

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Anyone renewed their driver's license recently? Did you have to ask for it to be a real ID? And did you pay extra for that?

helpfullike

Hi Fishes, can anyone guide that how to check on infosys launchpad whether uploaded documents are accepted or not?

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Sunday 4/19 FYIsland thread! Comment if you want visitors or want to explore new islands.

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Pretty boy has a point.
Vamos.

Post Photo
likeuplifting

Additional Posts in Consulting

Anyone here manage rental properties or airbnbs? How much do you net profit and how many properties?

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Are the six sigma certs actually worth it to do?

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How can I get out of a project? My project is currently under the negotiation of being extended...

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ACN: CDO and C&M ... Please explain the damn difference as both have done each other's roles all the time. Also Salaries please. Want to know if the firm really is baselining them.

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Should have been a flag!🤬

likefunny

If you start going out with someone, and they have anxiety-depression (or some other metal health challenge), when would you expect them to disclose? Date 3? A month or two in?

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Any good podcast recommendations? Topics include mass extinction, ufo/aliens, paranormal, dinosaurs. Helps me sleep

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Has anyone successfully managed to get rid of lower back pain whilst working from home? I’ve invested in a decent ergonomic chair, try and sit with good posture and have a standing desk which I use for c.1 hour per day. Any other tips?

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A bowl for "thirsty" consultants on travel a good idea or nah? Kind of like that movie about an elite hook up ring for working professionals who don't have time to date

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Fucking hate Delta. Missed my flight. I was with my 4 months old 👶 daughter. She was hungry and crying I requested em to let me check in bag early instead waiting in Line. They said no. Morons.

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Is it really bad if you renege an offer after you've received some of the relocation reimbursement, if you just don't pay them back, are you technically reliable? The offer is at will right.

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What days is PwC off in December?

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I wish people would know how to correctly add a dial in # to a calendar invite so that I can dial directly from my phone.

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All I want for christmas is client value creation!

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Everyone is praising Obama for how good of a person he is, how he makes them feel all warm & fuzzy inside...while I am over here wondering how he took our debt from $10 trillion to $20 trillion...

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Has any of you had any luck joining another firm as a partner while not being one at your current firm?

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Hi EY, Joining firm in couple of weeks. Was wondering how early onboaring tour 2 email and i9 form email is being sent out from the joining date! Anyone who recently joined please share your timeline.
EY

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What common traits have you identified in your fellow consultants?

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Dumb question, does a student who already graduated from Grad/Ph.D. program count as experienced hires?

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Has anyone here worked at KKR or Blackstone? What has your experience been like? Asking for a friend.

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