Hi all! This is not really law related but I feel like this is the only bowl that may be able to relate. I am a first gen everything! I’m also an immigrant to this country. This is my second year practicing and I make $140k, I have $126k in student loans, a $130k mortgage, no kids, no partner. I am doing my best to invest into my 401k, save cash for emergencies, and pay off my debt. Is there something else I should be doing? I feel like I’m going to look back in a few years 1/2

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

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

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

Do I need to report my crypto holdings to EY?

Realtor fishes, let's play a game: I share some details of some listings that we have available at my office and you let me know if we should keep them in our portfolio or make room for better properties.

Does anyone think there is long-term viability in Cryptos?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Does anyone here have a Tesla? Should I do it???...

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

Which bank account is better for salary account?

HDFC
Axis

Maxed out Roth IRA contributions when I wasn't eligible for 2021 (got a salary bump mid year). Do I need to recharacterize? It's a very small account that's been open for only two years. That's the only IRA account I own. Do I need to open a traditional IRA and roll over 6k + realized gains into that account and keep the Roth IRA. So confused how this works and got conflicting information from Merrill.

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Anyone with experience in the short term rental space willing to connect?

I was in the market for a first time home in New York but the market and rates got too out of hand. Recently pivoted to a few out of state options for an STR and would love to learn from someone who's set one up.

Thanks!

How can I invest in real estate ? Looking for an additional passive income source

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

Hi fishes, I want to submit broadband connection reimbursement request via Global Claim System GCS. Is there any chances of background varification regarding the broadband bills??
Thanks in advance.

Hey, everyone! Hoping someone may have a lead for a free online database for training approvals and registrations? It doesn’t need to be fancy! I’m in a new role in the public sector and am trying to move them out of Outlook and Excel messiness for training registrations. I’m just looking to streamline and centralize the process. (We don’t have SharePoint or any centralized database.) Thanks in advance!

I would like to get an app developed for my valet trash business. Can anyone point me in the right direction as to where I can get this completed? :D

Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

Hi all, Can someone help with interview questions with the Information Security Auditor role? Please

IM LOOKING FOR JOB OPPORTUNITIES IN MECHANICAL ENGINEERING FIELD

ANYONE IN UAE
PLEASE REFER

Hi Sharks,

Any Azure DevOps engineer in bowl?
Need urgent help.

What puzzles do people generally get as a question in senior data analyst role interviews ?

Does anyone here follow Your Auto Advocate (renamed Your Advocate Alliance) on YouTube? Trying to learn how to negotiate to buy my first car. As if I wasn’t nervous enough to negotiate pricing before I’m even more so with 2022 market situation. Just wondering if anyone has used that channel or others similar to buy a car for an agreeable price these days

What to expect from Mercer second round interviews for a data analyst position? (Behavioral)

Someone from ServiceNow available here? How's the job security?

Hey there!

So that’s the first time I am in a role where I am trusted to chose platforms and services to use, and I am overwhelmed!
I work for a B2B company, and am searching for a platform where I can monitor seo, and manage social media primarily.
I’m obviously looking at hubspot but what other platforms (combined of individual) do you like most?

Any firms have a focus on Aerospace and Defense industries? Headhunters always reach out about tech and healthcare firms (as well as more generalist ones), which are great but I’m just not that interested. Only find a few with significant A&D exposure.

Any ideas on which communications agencies would have a significant west coast presence and strong health departments? Everything seems focused on NYC, which I’m not interested in.

Is principal consultant equivalent to senior manager in pwc? @pwc

Can anyone please refer me in LTI.

I have 2.8 yrs exp. Skillet - Azure Cloud, Devops. Open to any new latest technology as well.

I am serving notice period.

Thanks for your help

Today is the first day of the new work week! What are your goals for this week?

Anyone feel like your job sees you as "one of the good ones?" It hasn't explicitly been said, but I'm one of the only Black attorneys at the firm and I think my white colleagues and partners see me as an example of how Black folks "should be" cause I mind my business. Basically I feel like a token, and I don't know how to shift that idea while staying professional.

LA fish: Any ideas for Pro Bono assistance for nonprofit community/cultural orgs? A family member recently joined the board of a nonprofit community/cultural org and is looking for counsel. There are no active legal issues, but they’re just trying to get affairs in order and have systems in place in case any do arise. I’m unable to represent them myself due to my work and lack of experience, and I’m unfamiliar with potential resources. Thank you!

Anyone in this bowl based in Central Florida that would like to connect?

how does anyone actually bill 8.5 hours a day?? Even on my most productive days I can only hit 6, 6.5.

Hey all, I’m starting a new job soon (in 2 weeks to be exact), but I haven’t been contacted by the firm. Should I be concerned?

Did anyone from your past tell you you wouldnt make it as a lawyer? Did you ever rub it in their face later that you in fact did?? 😂

I’m a newly barred attorney in Atlanta, Ga and I need two things: (1) a mentor who has time to be a mentor; and (2) a job opportunity. I am open to being a staff attorney or junior associate. CAN YALL HELP ME PLEASE?!?

Has anyone found success developing business or building their book? Specifically businesses (not individuals)? Looking for new ideas to get clients in the door.

Have you ever been told off by an older attorney of color? We have one Black partner at our firm and in conversation with him this morning he told me I should work on sounding and looking "more professional" and not let my "tone" or "bad attitude" get in the way. I don't think I've ever had a bad attitude at work, and whatever "tone" I'm speaking in it's my normal one. As a Black woman I just feel super weird about it and kind of sad.

What are the chances of getting a lower offer because you're POC applying at a fairly large law firm? Not big law or anything but still. Friend and I both got offers, came out of the same school and have very similar internship experience. He's white and I'm not, his offer is significantly higher. How low is low enough to walk away?

Ketanji did not come to play! Came out of the gate ready to fight and turn these racist arguments on their heads. The way she was dropping 14th Amendment bombs on that man made me so happy. And this is only her first day. I just hope they protect her well.

Kind of a quick rant. I did a quick search through some firms websites because I am thinking of switching jobs. It is definitely clear most firms still do not embrace diversity. I know diverse applicants must be just as qualified! So what is keeping attorneys of color out?? It’s so discouraging.

Does anyone know what the dress code is for the upcoming CAALA Trial Skills seminar? Do people usually wear suits or is it business casual? Thank you!

Anybody having to participate in/listen to discussions at work regarding the recent events at the Capitol where your views are in contrast to others in the discussion? If so, how have you handled this?

Does anyone in this group have ADHD? Are you finding that working in a law firm setting and billing hours is just not something they can do or is it possible with the proper medication and therapy?

I don’t cut my hours, I consistently reach 7 hours a day, but it’s not enough to meet my firm’s minimum requirement. I’m usually working 9 hours/day.

I handleda very difficult and convoluted succession for a black family. My client was astute and intelligent. We got along great. His family was difficult. Willfully ignorant.

Part of the succession dealt with clawing back $450,000 in insurance proceeds that a niece fraudulent received from the decedent by making herself the beneficiary on policies. A separate attorney was hired to handle that part before I was hired to handle all other matters, including settling a $500,000 debt with the...

Does anyone feel like it’s difficult to gain acceptance and find allies when you’re a POC? I have attended happy hours, social events, and lunches, but I am not getting the same amount of traction as the other new lawyers who are white. Don’t know whether I should keep trying or just give up. Also don’t know whether it’s my personality or people at the firm. 😢

Starting at a new firm, What can I do to leave a good first impression?