Hi everyone— I’m an incoming law student and would love ANY tips on how to minimize debt during law school, outside of scholarships (e.g., day-to-day living, PT work after 1L). I was accepted to a T10 school as an ED applicant, and while I’m incredibly excited to start, I want to ensure I minimize the limitations imposed by student debt. Additional context— I have a good amount saved up from working and my partner will be working remotely while I’m in school. TIA!

Kpi reply krta b h is group me
Techm need NPS account from kotak only
How to open a new one.

I recently sign a lease. The apartment will put my security deposit into an interest-bearing account and requires me to fill out a form W9. I will join EY this June and just wondering if this is ok in terms of the independence rule. I guess the apartment will put my deposit in some sort of funds. Anyone with EY has experience? Reading the independence brochure, looks like it does not specify something related to this scenario but just wanted to confirm . TIA!

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

I’ve recently learned about invoice discounting and want to understand how good or bad is it from short term investment perspective. Is there any other instrument that I can look for apart from stocks or liquid funds?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

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

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Needs some ideas for scenario planning optimizations! Currently have a model to predict conversions given media spend, I can adjust spend up and down to create different budget scenarios and send to model to get respective conversions. Thoughts?

Anyone looking at airline stocks or ETF play?

Would you say Austin’s real estate market will go through a correction in 2022? I am considering there in a few months (wife and 3 kids) from a normal-priced city. While we can afford a house there, I am scared of getting into an extremely risky investment seeing such fast growing prices in 2021. I’ve read both bull and bear scenarios online and I’d like to get some “Bowl’s” thoughts. Thanks!

Anyone here moved from Chicago to ATX? Currently in Chicago and considering making the move. I love Chicago and the general vibe here, but it's impossible to buy a home in the city that isn't a condo with a crazy HOA. I've visited Austin as a tourist but never spent more than a long weekend.

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

Chase Freedom vs Freedom Unlimited for everyday spend?
Plan to transfer points to my CSR.
Non traveling consultant

Watch out for $SDGR - Bill Gates backed recent IPO- potential next meme stock . No options yet.

Do desi consultants opt for 401K? Upside/downside?

Max out 401k before contributing to taxable brokerage? Roth IRA is already maxed out.

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Anyone have any dog groomer recs?

Hello. Just curious on what's the salary ceiling for a manager position at Deloitte? Received a verbal offer and waiting on written offer. I was told by a recruiter that M at Deloitte doesn't make more than 180. Just curious if that's actually true and if anyone had experience negotiating higher salary than 180.

Do you think commuting a federal felony would count as a "high crime or misdemeanor”? Why or why not?

What's the best way to convert RGB & CMYK values to Pantone that print accurately?? I need urgent help. Thanks!!

Hi Fishes,

Which company shall I join ?
1. Sun Life Financial
2. EY India

YoE- 3.10 yrs
Tech - Cybersecurity
CTC & location - same for both companies

Can someone enlighten me and tell me whether the industry as a whole is slow or if it's just me?

Looking for job opportunities in data modeling field

After I set a print area, how do I showcase the page 1 - page x in the excel sheet and have the background be grey?

What does everyone think about the volume of scripts vs low staff situation? A huge room for error issue? This is what I'm hearing and seeing

Is the DC DMV finally open? 👀

UBS or Morgan Stanley ??please help fishes I have joining next week
Accenture client UBS - 15.30lpa + Variable 4lpa
Xoriant client Morgan Stanley offering 18 lpa

Hi how much in hand for 15LPA. 1.5lac is variable.

How important is a Master’s Degree in our industry nowadays?

how do we increase diversity in leadership positions when there are no job openings?

A partner just walked from his office. By passed 4 or 5 people who are generally more knowledgeable on our banking logistics straight to the only black support staff employee to@ask if today is a bank holiday.

Would anyone be willing to spend 10-20 mins with me to review my response to a demand/collection letter? Sincerely appreciate any help.

Let's try something: Wisdom Wednesdays. This week's topic is: advice I'd give my younger self. What's something you needed to hear as a first or second year lawyer?

For me, it's that you are in charge of your own career and no one cares about it like you do. Ask for what you want and make your own opportunities. Doing great work is a good first step, but it's not enough to really build the career you want.

Won my first solo appearance in District court this morning!

Lawyers who began full-time work during or shortly before the pandemic...how connected do you feel to your workplace? Have you found mentors? What would you like to see change or improve as we move forward in hybrid and/or fully remote environments?

What surprised you the most about the practice of law?

“Summary dissolution”- divorce.
Does “property” means real-estate or bank account/stocks, etc as well.

Context- “property” less than $47k qualifies for dissolution, if not you have to go long-form process

Anyone knows and/or recommend a divorce lawyer in the Bay Area. Starting the process for an uncontested divorce. Please comment or DM me.

When you email the partner with a question on one of your cases and he responds “okay thanks” lol

Welcome! This bowl is dedicated to discussing issues, concerns, and questions by and for young lawyers (<10 years out of law school), but all lawyers are welcome to join.

37M- How to start a (mutual agreed) divorce process in California? Can I e-file? Do I need a lawyer?
(No kids, no joint assets, about 4.5 years into marriage)

Do you ever feel like people treat you differently at your firm because of your age? Like reverse ageism? As if you don't know enough or aren't competent enough yet? Just curious if others have ever felt this way.