Hi. Received a pre approved personal loan offer from American Express for $40000. The rate of interest is 9.9% for 3 years. Just wondering that someone who avails this loan ends up paying approx $6500 as interest (based on Amex calculator) and if they borrow and invest in a decent stock/fund they can get a better value from it. Am I missing something hidden over here?

While giving the tech interview as well as while having the HR discussion, I mentioned my expected CTC as 9-10 LPA(CTC). I cleared the interview and uploaded all the documents in the portal yesterday. Today mrng all the document verification was completed. But when I got the call for offer discussion, she asked what u expect. I said 9-10 LPA. She questioned me that on what basis I am asking for this much hike. She offered me 6.3 LPA as CTC with 21% variable. 5.2 as basic. Rest part in comments..

What’s expected bonus (% of annual CTC) for VPs (Non IT and IT) this year in JPMorgan Chase London considering market conditions and attrition within the firm?

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Coforge Referrals

Job Location – Pune, Hyderaba

Role- Java Fullstack – Analyst
Skill –Java 8, Springboot, Microservices, Angular, React JS/Redux
Experience – 4 Years to 11 Years

Role- Java Microservices- Analyst
Skill –Java 8, Microservices, Spring, Springboot, REST API, MVC
Experience – 4 Years to 11 Years

Role- Data Analytics – Analyst
Skill – Data Modeller , Data Mining , Data Modelling, Data Analytics - Any tool / BI Tool Like Tableau / Qlicksence
Experience – 5 Years to 10 Years

Process chemists/scientists! What was one interview question that you received when you interviewed with your current company? And what's one question you would ask a potential candidate during their interview?

Has anyone given interview in Daimler for data engineer? Can you please help what kind of questions they ask in the first round?

Guys please suggest any good hotel(no need hifi, just for night stay) to stay in kharadi, Pune or near by.
I have 2 days working office in a week. Need for 2-3 days only.
If you have any idea please suggest.

I am contracted employee in a company . I am assigned POC work .No design or document, just my manager sent a video of youtube saying that we have create similar feature . Since there is no proper documentation still manager is forcing to complete it by next week end. There are many hit and trials I am trying and giving him daily report of what I have tried and what worked and not worked. Still giving pressure.
He says "I don't bother you work for 1 hour or 10 hour per day". What should I do?

Hi
Has anyone used/given coderbyte sql assessement.
Just trying to get a little more understanding on it.

Hi all, so I got an offer from TCS last week with 2L of joining bonus. The JB related details are not mentioned in the offer letter and when I tried calling my HR he is neither picking up the call nor replying to my email. Will they be giving me the bonus, if yes what shall I get as a reference from them. Please advise. TIA

Folks
A genuine suggestion needed
Is work pressure high in CGI? I have been told that working in Capgemini is not going to be a good option as it does not give as much as lineancy like other Service based company does

Does anyone actually believe we will be successful in an IPO in the next few months? Anyone ever been thru an IPO with another company? What would the benefit of saying with Optiv when it goes public look like? Is it worth staying at the company for the next year?

what if I join a company and resign within a month?

Can anybody of you please share some details over their CTC structure , Non taxable components please over & above benefits in Amex ?

My query is specific to position of SE 1 @ SE2

Where can I see the reviews post manager discussion?

Referal required for Amazon - London - Data and Analytics jobs
Could someone please help me?

Also please share the expected salary range and band in Amazon for YOE - 11 YEARS 5 MONTHS
Thanks in advance.

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Paid off my account debt!

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.