Hi I have 1.2M Chase points. Ama

Owning real estate is overrated, I’d rather rent all my life. Change my mind.

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

How much are you contributing to your 401k?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

Moving from the US to Singapore soon. On a 90k salary, how much should I budget for rent? Ideally I want to live in neighborhoods close to central locations such as Tanjong Pagar, but I’m not sure if it’s possible.

How did you get into real estate?

FL peoples: I signed a lease for a new place to start May 1 as my current landlord sold the unit I'm in. Turns out, the buyer wants to keep renting the unit and asked if I want to stay. Of course I want to stay. My new lease hasn't started so I'm pretty sure I can easily back out. For the new lease, I'm still pending full approval from a condo association as I have to do an in person interview. I have paid first months rent in advance. Is there anyway to get that money back?

Sometimes I feel real financial stability is a universe away. Wealth is so hard to build. I’m 24, first-gen, thankful for a couple of very accredited degrees...but it feels like I need a miracle.

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

What stocks are you betting on for 2018?

150K in Singapore, and $150K in Chicago. Which one would you accept?

Safest wallets / exchanges for buying VET and safe moon? 😭

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

My monthly salary is around $6.4k after-tax. Living in NYC. Do you think it’s reasonable that I pay:
- about $1.5k on rent
- about $500 on utilities and subscriptions
- about $900 on student loan
- about $2k on food and etc.
My saving goals is around $3k so been trying to adjust my monthly spending.

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

Should you tip in Canada like you do in the US? 20% pre tax amount is my go to at home, but I’ve always heard tipping is more American so curious about what to do here

Any tax saving ninja technique??

Hi I have offers on both gavs and broadridge on which gavs is giving me higher package. Which one should I choose

Hi fishes,
Need referral for cyber security, 2.5 YOE.

Why are people always surprised when we're closed for holidays? There are emergencies but being rude because we won't book a 9am cleaning on Thanksgiving is incredible

Hi guys.

I'm looking for a job in finance field I'm a fresher just graduated in 2021 and I currently work in customer operations as no one is hiring a fresher and everyone needs prior work experience in finance.

Would appreciate if anyone can refer or let me know if there are opening in Delhi gurgoan noida indore or Mumbai preferably.

I'm willing to relocate

Is there a thread of company discount codes? ISO Hilton code (do not judge me my BIL is getting married at a Hilton and his fiancé is going to go postal if we don’t reserve a room now)

Hi fishes,

I have offer from Hashedin by Deloitte and Accenture. Which one would be better??
I have 2 years of experience in DevOps

Hello fishes, Got an offer from Deloitte UK, Belfast. My salaray is 39k and it's a family of 2. My spouse is going through interviews for a job but in the meanwhile will we be able to manage with this salary?

12 years ex- Accenture. Certified Scrum Master, Product Owner and Salesforce Certified. In Kolkata (preferred), Open for Bangalore. Currently in Notice period. DM me for open roles.

Shall I disclose reason for leaving a firm during my initial call with a recruiter from said firm, if I was laid off? Are they privy to that information. Ironically being recruited by that same firm

Hi, every new joinee in JPMC gets allowance to buy laptops? Or is it specific LOBs?

I am invited for an interview at Convera (Western Union Business Solutions) as a Sales Training Consultant. Am I correct in estimating $100,000-$110,000 would be a good salary range?

PWC offered 23+2JB+2(assuming bonus at 10%) for 5yoe. And I'm getting 27-28 from other service based companies. However I'm confused if I should go higher fixed ctc or brand name, ie PWC. Thoughts?

PwC Bangalore hasn’t provided the hike o promotion letter yet. Is there a way to see the performance bonus and the hike??

Are there any other job titles that I can use in surveys other than an “accountant” if I work in FDD?

Is the executive order from June impacting people who had an h1b stamped and moved jobs? Since the h1b would need an amendment if someone changes jobs, would that pose a risk? Any folks who have moved jobs on h1b in the last month or so?

Not quite pts related: Best Buy $7200 order. 2 TVs & soundbar to be installed. 1st appt canceled during arrival window for personal reasons. 2nd appt system error Best Buy has correct date...

4 more segments on American would get me to Platinum (60 segments). Is is worth booking a flight somewhere with a connection to get the 4 segments needed? Is Platinum status much better than Gold?

Has delta ever let anyone change their diamond choice benefits after selecting them?

Accenture can you guys go back to Marriott and fix their customer service please I've been on hold for 30 minutes and I still have missing nights

Has anyone seen any decent MQD run ideas for Delta recently? I’m about 8k MQDs from diamond. Seems the Aeromexico method is on hold until they are fully back up and running. Thanks!

Does anyone know of QR's Qsuites reconfig schedule? Going to Madrid in November and wondering if I can get Qsuites rather than the old biz. TIA!

Any delta global certs for sale?

Can one pay for cabin upgrades with refund credits?

can i book just any meeting room at a courtyard online to get the ten room night credit?

Flying Qantas (One World). Will the segments count towards my AA status?

Best way to spend $600k Delta Miles?

I am going to be 15000 PQM short to retain Gold on United. What are my cheapest options outside of international travel?

Is there a thread of company discount codes? ISO Hilton code (do not judge me my BIL is getting married at a Hilton and his fiancé is going to go postal if we don’t reserve a room now)

Anyone flown Copa Airlines Economy? Considering booking some personal travel on it using miles and wanted to see if it’s any good

Planning to visit Bali on May 2020. I have a wife and 2 toddlers (4, 1) tagging along. TPG recommends the Le Meridien. Any other recommendations for family-friendly Marriott properties?

Best Hyatt in Hawaii (ideally Kona or Maui)?

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Are Delta international award tickets fully refundable the same way domestic ones are?

Every time I try to use Hertz points abroad the site says that location doesn't take them. Can I call and use them or am I just SOL using them anywhere internationally?