Hi Fishes! I’m a 26year old marketer who recently got admitted into the Schulich school of business for a masters in marketing. I have 4 years of experience as a marketing specialist at Gartner and I recently got promoted. As an Indian student, I will need to secure an education loan to get a job and once that is done it will be imperative for me to secure a job in Canada to pay off my loan. Given the Toronto market conditions, my current job and loan aspect would you advise me to move to canada

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

Anyone start later in life? About to turn 32 and my retirement savings are sad.

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?

For EESP - which is better share withholding or payroll withholding? Thoughts?

Looking to buy a vacation home on the west coast not in a major city. West coast so it doesn’t take too long to get there. Could consider other areas, but don’t want to spend too much time traveling there. Budget is under $700k for 3 bedroom, at least 2k sqft. Any ideas?

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

Going through a closeout. 50-50 profit share allocation, but my business partner has been using the venture money at their personal piggy bank (hence the breakup). My accountants say because we agreed to 50-50 shares, the leftover money has to be divided equally.

They spent $100k in the last month on random "work stuff" but bought a new car, etc. Now I have to pay for it with less equity return!

Just wanted to rant, I'll probably never go into a partnership again.

For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

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Can one become financially stable after being discharged from the military?

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

How would you allocate $200K today, knowing (1) this is in addition to your HYSA, investment, 401K.. (2) you have no immediate use (3) if we see a drop in real estate price in the next 1-2 yr timeframe, this could be part of your down payment for a house in HCOL

Hi folks,

What do you think, is NPS a good scheme of investing in comparison of Mutual funds, stock market and ppf?

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Thoughts on purchasing leads?

When investing in a Vanguard Roth IRA, can you only invest into the Fed Money Market Fund (VMFXX) which is default? Or can you select other funds such as S&P (VOO)?

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

If an individual resides in CT and works in NY can we serve them in NY?

Buying my lotto ticket for Friday, preparing to flip the bird to BigLaw and then buy a bird ✈️, Yakt 🛳 and estate 🏚🏘

I’m debating to join Locke Lord Dallas in transactional. I’m looking to stay at the firm long term and would appreciate any information y’all have. Please be as candid as possible.

Midlaw M&A/Corporate 6th year in LCOL city. Have potential opportunity to go in house for public fintech co. doing substantially similar work. Comp similar to what I make now, but vague on upside. Not necessarily ready to move (generally like my firm and group), but nervous my in-house marketability will decrease the longer I stay at a firm. Any thoughts appreciated.

Does anyone know any reliable career coach or consultant? I desperately want to streamline my career path. Experience: Freelance Professor: 3 Years (Multiple coaching classes in Mumbai) Home Tuitions: 2 years UPSC Preparation: 2 years (Gave several other exam attempts) SSB Conference out, 2019 Eventually ended up in corporate due to life situations (assumable) Currently Trainer & QA Lead with 5.4 LPA. Expected an L4 but it is still being delayed even after a strong doc to present.

Hi everyone,
I have a fully furnished room in an already set and functional flat to sublet. It is located in sector 38 gurgaon, near Medanta.
PS: it’s a girls flat

Do you think sticking it out in BL for 8 years pays off as far as in house prospects/salary go? Or is it all kind of the same after a certain time period. I’m in privacy if that helps (all aspects-trans, regulatory, lit).

Is relieving letter mandatory for onboarding into TCS? Because relieving letter will be provided only after 10days after completion of fnf settlement and my joining date is just next day of my LWD. Please help??

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?

I’m an internal consultant of a bank, a bit tired of the internal administration and bureaucracy. Just wondering if you have to deal with the same if you work in a consulting firm instead?

Hello I have given Last round of knowledge management associate profile. When can we expect the results ?
Does ZS send rejection mail also ?

Which is the good budget friendly perfume??

I have premium one from Boss Hugo... I kept it for special occasions 😜😜

Somehow the weekends are the worst part about GSB invites. It’s like it hits you that another week went by without anything 😔

New year, new job, wish me luck!

People who stay in canada for studying can discuss here

Hi Fishes,

My sibling (from India) applied for Canadian Visa for study permit (2 years) and it was rejected stating the reason "the IRCC agent was not satisfied that the applicant would leave Canada at the end of their stay.
The intake was in Jan 2023.

Should we apply again? Has anyone ever experienced this and would appreciate if they can guide me? I'm really worried and emotionally tormented. Need urgent help.

Hi,
I have just completed my high school and want to pursue my future in IT but I am still confused whether to go for data science diploma or networking or cybersecurity diploma ..I am not really good at maths and i am unable to decide for the fields due to lack of my knowledge and confusing information on the internet.. is it anything anyone could suggest

Hi,
I’m currently studying a Masters degree at a top 5 ranked university in Canada, ask me anything. I did my undergrad from india.

Is it a good move to left your current well settled job to go for education alomost after 7 years of gap from last qualification just for the sake of moving to Canada. will it really payoff the time and investment ?

Hi
I am currently working in India as Senior Marketing executive and I am planning to pursue a post graduate diploma in canada confused between business analytics or international business any suggestions for the same with with university or college are good.

Hi, I did my Masters- Masters of Computer Applications in india, and I am 2015 passout, currently having 6 years of relevant IT experience. I want to pursue my study in canada, but don't know which course and how many years should j go! I heard if you select the wrong course, then it might becomes the visa rejection reason.

Please suggest