I decided to close down 3 of my oldest credit cards. Had them when I was 18 so they were almost 20 years old. Used them to build credit but got myself into a lot of cc debt instead. Lol

it’s been over 2 months and I was wondering if my credit score will take a hit later?

They were paid off 100% before I closed them, I have a good mix of other credit line, I have 0-1% credit usage, and a debit to income ratio of 26%

How much are you comfortable holding in one exchange? I'm at about 30k in blockfi and I'm starting to get a little nervous that I'm concentrating too much in a single exchange. I'm spread through a few others as well as my cold wallet but just wanted to poll this group

My son made 11k on Doge but it is a joke coin. Put some money into SHIBA another joke coin. I knew all the cryptos would come back after the big fall. It was an opportunity to buy. Polygon has held up through all this because of the news from Deutche Bank. Look at the real cryptos. Bought these.

If I've maxed out my TFSA, should I continue investing through an RRSP or a personal investment account?

For context, I also have a good pension. My main concern is that while the RRSP will be nice to lower my taxable income now, I'm worried when I retire I'll have to withdraw too much from both the RRSP and pension. Thoughts?

Well I guess my holdings are never going back up in value

Please share your portfolio value and how long you been investing

Does anyone have Money Market MF and ETF investments in Fidelity? Looking for recommendations on which to invest in or should I open a Vangaurd account?

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Hey Guys,

Can anyone please suggest sectors i can rent a 1bhk in and what will be the cost.
Please help me.

I don't want to ask the Mck recruiter more questions. Can someone explain the differences in the Profit Sharing Retirement Plan and the Money Purchase Pension Plan? Does Mck contribute to both?

starting my first FT job and planning on investing 1k each month. any advice on how and where to invest this money?

I have about 50k saved up and was wondering if I should invest in real estate. I’ve noticed that the housing market is dipping in my area - advice?

Tagline for the stock market

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Has anyone used Amex Corporate Advantage program? If so, how soon did you get the $150 credit after you opened a personal credit card?

Just did a cash out refi on a investment property for 3.99%. With rates so low now, I’m considering doing another “traditional” refi at 2.9% does this work with such a short Turn around time from closing the previous one?

We are a midsized Healthcare provider with around 900 employees. We are in the market for a new HRIS. We want as close to an all in one solution as possible. We currently use a combination if iSolved, iCims, and timestar. Anyone have recommendations?

Conventional wisdom on current firm counter-offering when mentioning you have a few offers? I have an offer at a large firm in Miami. Current large firm has no office there but mentioned they can likely let me be there in a remote basis. BCG and a few other law blog sites have advised against accepting current firm counter-offers, e.g., likely to leave, not loyal, off partner track, etc., but would love to hear everyone’s thoughts.

Will i be blocked from Deloitte USI if I have accepted the offer and I won't join?

Going to Wharton in the fall. Is it worth going MBB over returning to big 4 (sponsored)? Is this a common path?

Hi All,
Anyone from strategy and transformation team?

Just wondering, any Ismailis out here?

Salaam, unsure if this is the right bowl, but does anyone have any recommendations on books that discuss the history of Pakistan? It’s formation, etc. Thanks

Read this on Bored Panda: Just Had A Zoom Job Interview, And The Recruiter Asked Me To ‘Show Her Around The Room

Would anyone mind giving a bit of insight into what their job is like in consulting? I’ve been interested for a while, but want to know a little more before making any kind of major transition. I’m curious about working in strategy and/or something more business operations focused.

How is RSM’s accounting advisory group?

What would be a typical equivalent for a principal engagement manager role at AWS, when compared with consulting titles?

Is it similar to engagement manager or a bit more senior? The word principal is throwing me off :)

Please what’s the salary for Assistant Manager in Deloitte Financial Advisory role ?

Turning 28 and hit $300K NW today. Never formally FIRE’d but want to set out a plan for here onwards. What’s some good material / easy reading to start with?

Xbox Series X/S or PlayStation 5 or stick with Xbox One?

Hi , Need a suggestion on below companies.

4 YOE JAVA

1. CGI (19 FIXED + 5% V)

2. SAPIENS (INSURANCE - PRODUCT BASED) 18.5L F + 1.5L V + 1 JB

3. HARMON (Oracle client ) 19 FIXED (OFFER YET TO RELEASE).

UST global, verticurl , hexaware ,LTI ,HTC global but package are low

Nov 4 is LWD.... And am looking in terms of Job security. Thanks in Advance. Sapiens CGI Harman LTI Information Technology

UI Path vs BluePrism vs others? What's your favorite RPA tool?

Does a promotion and rating are informed orally ??
I heard about rating are informed orally and then commit on portal? How about promotion ?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

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?

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 :)

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

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Hi all, just got the Amex gold 90k points welcome bonus referral offer in my account. Let me know if you’d like a referral :)

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.

How would you budget 1600/month of disposable income after 401k, rent, savings? Currently 24 with no other debt obligations or expenses

26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I go with a lower trim such as the EXL or Sport which come in around the mid 20k-low 30k area.

People living in LCOL areas who bought a house in the last few years... What did you spend on your home, what are the bed/bath #s, and did you buy a fixer upper, turnkey home, or something in between?

Starting to home shop in a LCOL city and I'm super curious to see some numbers from others in similar types of locations. I'm originally from a bigger HCOL city so what feels "reasonable" to me is skewed, but everyone here seems to want to spend as little as possible on homes.

What do you think are missing from the personal financial management apps such as emma, yolt, cleo

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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?

Have about 5k to invest - should I do FXAIX or FSKAX?

Does anyone have a financial advisor they recommend? So far I just throw everything extra into a mutual fund but I know this isn’t the smartest way. Looking for someone who can deal with the independence restrictions and help me make smarter decisions (or just do it for me)

Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled it over to a Roth IRA and moved it between multiple custodians, e.g. Fidelity, Vanguard, UBS, Personal Capital, etc. It is unclear to me how much I contributed vs how much I earned by investing it.

The purpose of doing this is I want to use $10K of it, but want to prove that the $10K is from my contribution.

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??

Paid off my account debt!

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

Rolled my old 401k over to a rollover IRA under the same brokerage and lost some money. What the hell did I do wrong? It was a direct rollover btw