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Hi fishers! I have offer and signed contract with Deloitte UK and my start day is in the beginning of April. I need skilled worker visa, and we haven’t applied yet for that. Screening and onboarding is in progress. Immigration team doesn’t reply since reached me out 1st time. How much time does it usually needed to go through the whole process? How many days take for visa to be approved since application?Deloitte
Worst process to get into project in nagarro.
First go through the internal project interview then client interview if not selected then again tons of interview.Why they people take interviews at the time of hiring.
I am feeling depressed now.
In this tough time where companies are firing their employees, i am not having any project due to this pissed process in nagarro.
Joined on 1sep 2022.One more interesting fact giving interview in zs associate account(contractor) I never want to work as permanent.
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Hi Guys,
Do Amex provide relocation expenses ?
Anyone in dental sales?
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Sooo AMC.. who’s in?
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Cash out refi? Else, no APR card if you can pay off at year end/bit by bit.
Seems to me the credit card should only be considered *in combination with* the cash payments -- to pay off the credit card in time.
I also don't see a point in putting money into a brokerage while taking out a HELOC - wouldn't any brokerage gains be washed out by interest payments + gains taxes?
That's my thought, but it's more the general anxiety of "I'm spending not saving." Although back when my portfolio was doing better....
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Is a cash out refinance an option?
That should be lower interest than a HELOC. Also, fed is signaling pretty clearly that interest rates will rise in March. With HELOC being variable rate, just know that your cost will go up. I wouldn’t sell any equity and incur the tax hit but the HELOC and credit card promo should be fine as long as you have no problem paying it off during the promo period.
I have a rough plan but mostly in “horde” mode because I have kids and that adds a lot of uncertainty until they are old enough to take care of themselves. I also don’t want to do coastFIRE or eat ramen for every meal so my target is a little higher than some.
I am toying with the idea of a cash out refi when it's finished, but we have a lot of $$ projects on the long term list. The current plan is to pay the heloc down aggressively so we can use it again in a couple years rather than apply for a mortgage over and over. I guess I'm trying to decide whether my cash is better off being used to avoid debt or say screw the debt, cash should go in the market....
We've doubled our HHI in the last 12 months and to say my number is going up accordingly is an understatement. It's an ever moving target and I already felt behind as it was...
You could also get a margin loan on up to 50% of that brokerage balance (Though you'd really want to be closer to 25% to be safe) from interactive brokers for ~1.6%. Though the caveat above about these being variable rates tied to expected fed interest rate increases in 2022 applies here, too.
This is a viable option for the short term but be careful not to take too large a % of your brokerage balance. If stocks have another bad month like January (or even a bit worse), you don’t want that to be enough to force a margin call!