How to get your credit score higher? Mines been stagnant for a while. Pay off CC in full every month and only at 3-5% utilization on average. Reasons listed for “lower credit” were: I don’t have enough loans / large loans, and my oldest account is only 8 years. The age thing I get but I’ve never understood the loans criteria. Isn’t lack of loans a good thing?

How much pytd utilization (which is showing on TOD) is safe?

This group is for providing a unique platform for utilization of opportunities and delivering quality results in political consulting. It will also act as a go-to go network for all types of Political Campaigning & allied activities.
Plz, invite your connections...

I got laid off with no warning. Reason given was my utilization was low at 81.8%. No performance problems. Would it be inappropriate for me to apply back to PwC to the teams I discussed rolling onto?

PwC people, does vacation negatively impact utilization the same way hitting G&A does?

Hi! I’m doing some research on employee benefits (medical insurance, 401k, HSA/FSA, commuter benefits) and was hoping to connect with People specialists or HR professionals in the comp & benefits space. I’m trying to better understand any pain points or challenges you might face with utilization/enrollment. Anyone interested in connecting? Thank you!

Anyone have any tips for getting past the "new consultant" anxiety? Everything from how I look to the team to my first month's utilization rate has me staying up at night...

Any advice on how to transition from patient care into a WFH position. I really desire to do something different. I’m an outside the box thinker. I problem solving, figuring out things. My thoughts were case manager, utilization review but without any of that experience I’m unsure. Any suggestions?

Hey Everyone! I’m new to Fishbowl, but excited to connect. I’m looking to transition to consulting! I’m a licensed social worker with a background in healthcare- utilization management and change management. Any leads on new opportunities? Thanks in advance!

Will taking a project with only adjusted utilization hurt me? If I meet utilization targets for adjusted utilization, but miss it for standard, will that count as not meeting the metric?

Edit: What is the best way to tell a PM or a PEP that this project isn't for you, and that it doesn't align with your career goals without getting kicked off too soon to negatively impact your utilization? The project is ABSOLUTELY horrendous and a mess. It is glorified admin work which is not what I want to do. Is there a way to tell that to senior management without getting a negative reaction?

Do we have a chargeable code that we can bill our time to while we are waiting on a code to open? Its getting close to FYE utilization cut off so want to make sure I get credit for the hours pending.

For people that started recently, what is your utilization looking like? I joined in September and have 24% utilization. I have been staffed on 4 deals that all died within a week and it’s been pretty frustrating

Got offer from BCG for ECT. Read numerous comments about ECT being not attractive compared to Generalist track. Also heard challenges about billability/utilization. Any views/ guidance appreciated!
I am not super keen to become a partner (selling) and main reason to join will be working with different clients, smart talented people and a good brand. End goal (at the moment atleast) is to stay for few years and return to the industry. 15 YOE

Are you seeing any change in behavior based on the increased scrutiny on utilization and EM? I feel like there’s less teaming than a few years ago. Is that acknowledged as an unintended consequence?

I am interested in a clinical manager position for my company that performs utilization reviews for skilled nursing facilities. Currently I am clinical coordinator performing those reviews but I want to move into management. What type of salary can I expect.

Have any respiratory therapists found jobs OTHER than being a clinical RT? I want to possibly change careers, but I am finding that a lot of jobs (clinical liason, utilization review, etc) want you to have a nursing degree, not a respiratory degree. I feel like as an RT we are limited to jobs.

A previous employer reached out and offered me a Senior Product Designer role with a 40% increase base salary. I am considering this, as I have been feeling under utilized at my current role + dealing with of uncertainty lately. But I would be forfeiting a lot of RSUs if I leave. I am in the middle of my vesting period (2/4 yrs), and this year alone would have 256 shares vesting (~$500 share price). The new role will come with shares, but at a small share price. Anyone had similar experience?

Project keeps being pushed back a week at a time and I'm approaching a month on the bench. Is there anything I can do for my utilization? I still have pre-engagement work every day, no other project.

P1 - Can you explain the various ways that partners are measured and primary drivers are for compensation? Curious how much selling, utilization (individual and group), delivery, etc impacts comp

Why don’t more people push back against eating hours (especially when it’s substantial, e.g., 25% beyond projected hours), when utilization is a KPI? Can there even be formal repercussions for refusing to, given that doing so is against policy at most firms?

I would like to ask for a few recommendations of books that is related to mental health or psychology

Are there any tips for a 5+yoe person who works in a non-tech/pmm environment to make a switch without sacrificing Tc? Currently earning 110k

Salam. Anyone else here a ‘Friday Muslim’, i.e. just pray Jummah? What are you doing to improve your Salah hygiene? Hoping to get better before Ramadan rolls around!

TriCare reserve select vs Cigna oap: My new employer pays 100% for us so thinking of dropping TRS. There is a 12 month lock out, but I’m guessing that if I change employment I can get TRS again since that should be a QLE. Anybody else have experience with this?

Hi fellow nurses! I am an Emergency Nurse with 3 years of nursing experience to include med -surg. I am looking to transition to a lower acuity position such as pre op, or honestly work remote as the work life balance is not fulfilling for me. Any recommendations on hospital jobs that are less stressful or any companies that offer competitive pay to work remote? I make 38/hr currently and would like to maintain that rate. Thank you!

Recently joined pwc, facing difficulty in passing OFRO and other mandatory assesments, any tips or any help will be really appreciated.

In wipro, for a new employee , do the recruiters ask which facility in bangalore can they join?

Whitefield and electronic city would be far away, only sarjapur is nearby

Anyone here live in Chicago? How bad is the winter? Does the summer truly make up for the long winters?

Any global services here willing to trade 80 pluspoints? I’m 1k going on a honey moon trip this week and would love to use a GS sponsored pluspoints to move up the upgrade list. Willing to trade with miles or my PP as well

Hello everyone open to network share advice and sources

Anyone work for CFGI? How is it? How does it compare to B4 hours?

Producer help! In Vancouver for a shoot - we would love any and all food recommendations! Thanks in advance!

I was just trying to be polite and was having a small talk with the Uber driver when he suddenly asked if i am married…ahhh, I am not married but this made me so uncomfortable 😣 should I put in earphones next time riding Uber to avoid conversation?

How long adidas take time to release offer letter?
Does adidas send offer letter in email format.
I heard they don't give pdf format? Is it true?

Hello everyone I am looking for referrals in IT. Kindly help me out. I am a Fresher

I need some advice on securing additional debt on my house. The house is worth about $1.1M and has about $600K in debt, so about 55% LTV. I’d like to take some cash out for some home improvements and some investments. My question is, should I go for a second mortgage or a fixed rate home equity line of credit. Any leads on the lowest rates on those products? Thanks!

What are your favorite 2-3 ETFs to invest in for the long-term 10+ years?
My number one is of course, VTI.

Anybody have any general advice for the markets right now? Any specific areas you think to invest in, or wait a few weeks/months for the inevitable bottom to hit.

Thoughts on Wealth front?

What’s your annual salary and what percent of your take home pay are you saving??

I feel like I have a good buying strategy for investments with dollar cost averaging each month. But I think I’m lacking the knowledge of when I should be selling. Any tips? Thx

I have $43,000 - what’s the best low risk way to grow this within a year? Is it worth putting 10k into an iBond right now, pulling it by next May, and then paying the 3 month interest? I have some in ETFs currently.

Struggling to find a cost efficient way to invest in sp500 from Europe. What are people using? Ie something similar to what Fidelity offers in US.

How do our pre-tax money into a traditional IRA (to then back-door Roth it) if my employer doesn’t have a traditional IRA option?

Any books or articles on macro economics?

Anyone have experience with personal capital advisors (or any other recommendations) ? Spoke to several others before but never gone with any as I have always invested through retirement funds or in real estate but now want a little more market exposure. For context, nw 850K with 30% in retirement funds, 50% in RE

So what is everyone’s guess on when we will return to all-time highs for the S&P? How far out?

Does anyone here genuinely believe that crypto is bounce back and be as high as it was before this recession?

Any interesting stocks out there folks are watching? Have 5-7k in an investing account I'm looking to deploy. Ideally short to mid horizon.

Best value stocks to buy now ? Is it worth doing an etf or stick to individual stocks for dividends?

Would you buy a Porsche hybrid SUV now? Or why not?

Best tax advantaged accounts and financial things to consider for parents of newborns?

Just starting to learn about all of these beyond the basics (401k, Roth 401k), like HSA, FSA for childcare, additional childcare credit, dependent credit, 529, healthcare indemnity payout for delivery, etc) and it seems like there’s a new one to learn about every day.

What are favorites and what are some things you wish you’d learned about earlier?

Thoughts on fundrise?

Is it a good idea to withdraw money from Roth IRA for first home purchase or b-school? What are the downsides

Do I have a problem? Just want to gauge if sth is wrong. I can go months without spending a dollar then one day just binge spend. Yesterday I spent like $200 on dinner😅 and now I feel super guilty😭😭