Hi, How badly will my credit score be affected if I refuse to pay the charge my former landlord sent after I moved out?
My income is low—I can barely pay my current bills. They charged me a $2,200 reletting fee for just 8 days before my lease ended.
I can’t afford it. They’ve already sent it to collections.

I did send a debt verification letter, but I’m afraid they’ll tank my credit score anyway.

What does having a low credit score actually mean?
I can’t see myself having a future anyways.

I was released without cause today but my boss mentioned my battle with mental health and that I’m looking for other jobs before canning me. Should I address this with the board or leave it alone?

Hi, weird question for this forum, so I apologize. I’m trying to be creative here and use the tv stand that I have. The issue is that it has an open back so you can see all my tv wires. I can’t hide the wires because my building won’t let me open the wall. My idea was to slip a tile sheet that is wall behind the tv stand as a back, but I need the tile cut to the specific heigh and width of the tv stand. Does anyone know where I can take this tile sheet to get cut to the specific measurements?

How do you get “distinctive achievement”?

Anyone looking for Male AC flatmate??
Pune, area preferred : kharadi
Looking for spacious flat, atleast semi furnished.
Planning to relocate to Pune by 26th may.

How did you start meeting people in Toronto when you moved here?

Motivation to work: non existent. 🙂🙃

A partner emailed you, recognizing your hard work and thanking you (you billed aweful lot of hours this month). Do you respond or not?

Are there any specific resources (books, articles, individuals, courses) for someone who wants to focus on being a Group Product Manager?

Peanuts. But that's ok because I'm compensated by 'Mother culture'

Hi Guys,
Hope everyone is well.

I am looking for a part time role for additional income source. I currently work in Category Management team of a Packed Food Company in Mumbai, India.

When I look for the part time roles I only find shady MLM and some delivery jobs. Nothing wrong in delivery jobs, but I am more inclined towards WFH role as me and my wife are pregnant.

Can you guys suggest where can I find reliable part time roles?

Thanks,
Kunal

Hi all! I am subleasing my room in a large 2bed/1bath in South Loop! Move in date for Feb or March. Please message me for more details! Looking for a young working profession woman. Thanks!!

I am looking for a way to link my Salesforce data into excel so I can have the latest data at all times. Instead of the typical download of static data that by the time I am reporting the data has changed.

Anyone know of available part-time (3-5 hours week) Salesforce Project Management gigs?

Folks ..what do u like about BA continuum ...I have joined recently and couldn't find a single good thing about this org...be it onboarding, no laptop provided ..and goodies toh i made a big mistake by expecting..why is BofA so overrated ??..

Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

Before taking resignation they were saying will get letter in 2 days max, now Delay in offer letter even after more than month from the day I took my resignation back.

Any suggestions will be much appreciated.

Hi,
I have 2.9 yoe in Functional Testing.I could see lots of opportunities in IBM testing domain.Anyone from IBM please refer me??@IBM

Will LTI HR Team work on Saturday ?
Anyone got call from them on Sat?

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

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?

Currently maxed Roth 401k, Roth IRA, HSA, and ESPP at 23 YO, should I consider an after-tax conversion? I’ve read about back-door Roths but I’m still far below the income limit as an analyst. Definitely looking into early-ish retirement, should I just invest the rest in a regular brokerage account until I reach the income limit? Am I even allowed to do a conversion? Any advice is helpful :)

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)

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Recommendations for a good auto lender in NJ area? Looking to buy/lease a car

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Anyone have a recommended tax person in Chicago?

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??

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 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.

Say you have $1mm in cash, is it plausible to put it all in a HYSA and take the monthly interest payments as income at say 3% APY and then quit your job?

Theoretically*

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Best high yield savings products?

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

In your opinion which is the best target fund to choose in IRA Roth?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please