How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

Hello folks, any credit card suggestions with good benefits and cash-back? Please advise. TIA

Make $80k a year, pay $1,440 for rent, haven’t grown my savings in 2 years. Is it me, or Sf?

Any student loan refinancing options in the UK for loans taken in the US?

What other avenues are you using to increase income?

When contributing to a 529 plan in PA, in addition to being able to deduct PA state taxes on the contributions, can we also deduct the Philly city tax?

Can someone explain the benefit of whole life or similar products? I understand that they are bad for 99.9% of people. How does the 0.1% benefit? Taxes? Asset protection?

I'm struggling to understand why anyone would use these at all. Significantly caps your upside. If you are uber wealthy, why wouldn't you continue investing in the market? Why pay the crazy fees for these products that are essentially just 90% treasury bonds and 10% levered ETFs and covered calls?

Today I lost out on a house because my offer of $90k over the list price was beat out by another bid. Everyone else having an equally crappy Monday?

Is it worth it to buy a multi-family home to rent out?

What’s a good budget for rent if I’m making 138k + 14k sign on in NYC? I’ve got like 10k in student loans and about 5k in credit cards. No other obligations.

Parents- how much are you saving for your kids? Married mid 30s and family income is around 200k. We both max employer 401k. Have around 30k debt. Lcol and low mortgage. Would you pay off debt- or focus on kids savings? Oldest kid is 7 years out from college and will have some VA benefits.

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

Thoughts on the new Chase Freedom Flex?

I'm 6 months old at D! Planning early promotion next year.. counselor and pm both are backing me.. I need to go to India for at least 4 weeks in Dec ... most probably would be rolling off from current project by then .. would this vacation hurt my promotion chances coz of utilization etc?

How many years did it take before you could pay off all your med school loans? I'm starting to feel like it won't even be possible.

Hi - any good books recommendations for getting started on real estate investing?

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

What bank do you use, and why? My old bank doesn’t have branches here, looking for suggestions.

If anyone is looking to create a Robinhood account and wants a free stock, I’m one referral code away from earning a free stock...👀

My stepmom threw me a very elaborate bridal shower. My stepsister pitched in and also did a lot of work for it. Bridesmaids helped but didn’t do a ton. What, if anything should I do for my stepmom and stepsister as a showing of gratitude? I don’t want to spend a lot of $$ but definitely want to act quickly and thoughtfully.

We’re having an Indian wedding on a Sunday with ceremony in the morning, followed by lunch, and then cocktail hour + reception.

Given that the wedding starts early, we will have guests (~30) flying in the day before. What is the expectation in terms of arranging dinner for them? We’re trying to avoid having an additional event Saturday night - any idea on if these guests would need to have food arranged for them by us and what that could look like on a cost effective budget.

Any idea how much increment and bonus one can expect this year in KGS? And how much it will be if I had joined in march.

Do we have leave encashment policy in PWC at the end of every year.
If yes up to how many leaves we can encash?

I was applying for IT support engineer and Customer Support Senior Associate - Platforms are same one is from Google Careers website and one is from GOC

Anyone volunteering with the upcoming CFE exam this week?

Is job hopping considered a horrible thing for your career? I was at my first job for 2 years and been at my current one for 9 months and I’m looking for a change since it’s not a good fit.

Hi Fishes, im currently in energy consulting domain. 6 yr YEO. Non IT background with PG. took up a course on advanced certifn. in DS and AI w Intellipaat in the hopes of a hike or a possible career transition. CTC is 7.9 .

Any advice on what should be my realistic expectation after the course and gaining knowledge on Python, SQL, MLops, Power BI, Tableau?

Does anyone know if VPB lost Audi?

Can people on OPT or H1B get Clear membership for airport security? Does anyone know if we can expense it?

What would be the salary of Investment banking operation professional?

Hi fishes,

I have completed AWS sysops Administrator Associate certification and looking for a job change now having total experience of 5.5years into monitoring, troubleshooting with AWS.
Is it the right time to change ? Am scared since recision is going on.
Kindly guide me and help me on how much salary I can demand.
Current CTC : 6lakhs

How long does it take post the technical interview rounds to hear back from the recruiter?

Anyone plays pickleball/spikeball around downtown or Washington / memorial park area? Recently played these 2 sports and they are hella fun and want to play more! Up for Tennis too!

Hi, my I485 is pending. Priority is July 2014 EB3. I-485J is for a software developer but I moved to different role (HR) within the same company. How will it affect my GC processing? Is there a way I can move to a different company in HR? Or is it best to stay with the same company until I get my GC?

I paid for my kid’s college fee this year and last year thinking I will use 529 in future for second kid but now I am having second thoughts as I need little more money to buy an investment prop cntd

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)

Any advice on ESPP plans? Should a maximize my contribution? It would be 15% of my salary and purchased twice a year

Max out HSA or IRA first?

Anyone have experience with or recs for a good moving / shipping company? Trying to gauge typical cost, have about 5 furniture items to ship between states (7h driving distance) and would like them to load / unload. Thanks!

I’m 25 and have found a duplex I’m considering purchasing as a rental property. Planning on renting both units and have the cash to make the down payment without an issue. My cash flow analysis has a payback period of 3 years for my down payment and a 13 year payback period for the whole investment. I think financially it makes sense. My question is, is it realistic for a 25 year old young professional to handle dealing with all the extra curricular’s that come with owning a rental property ?

Which high yield savings account do you recommend?

For my marriot members. Which cc do yall have for marriot?

Can someone explain the benefit of whole life or similar products? I understand that they are bad for 99.9% of people. How does the 0.1% benefit? Taxes? Asset protection?

I'm struggling to understand why anyone would use these at all. Significantly caps your upside. If you are uber wealthy, why wouldn't you continue investing in the market? Why pay the crazy fees for these products that are essentially just 90% treasury bonds and 10% levered ETFs and covered calls?

Who’s buying the dip today?!

Does anyone else think that IBKR’s customer service is kinda shitty compared to other brokerages?

Such a Boring session today! 30 mins left. Any drama big movers?

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

Is it still worth buying Tesla stock? Especially after rising so much since year start?

Anyone have a good online calculator or way to adjust their W-4 towards the end of the year so they don’t get slammed with a high tax bill? I know I’m too late for 2020, but curious for next year...I got slapped with a 6-figure tax bill last year. 😑 My wife and I made adjustments to our 2020 W-4s, but afraid it wasn’t enough.

I’m looking at investment a portion of my portfolio into alternative investments. Maybe around $30k to start. Anyone have recommendations or experience with Alt investment vehicles? (e.g., crowdfunded startups/real estate, PE, VC ETFs)??

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

Which 529 account every one using and how do you like it. Invested in any specific funds or index funds? For me, no state tax, so looking for any good fund that doesn’t have state residency requirements

I’m thinking of opening a TD Ameritrade account for investing - does anyone use this/have any feedback? For reference, I recently graduated and have no prior investing experience, so any feedback on investing is appreciated :)