I got a mail offer for the Amex Delta airlines gold card for 90,000 miles. Do you think that's worth it?

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Sky miles have pretty trash redemption

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I’m trying to reverse engineer a target retirement wealth level. What is a reasonable % to assume on inflation adjusted returns for holding mostly index funds?

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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%

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Tips / recommendations for a 2 week trip to Barcelona?

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I'm an Identity and Access Management Engineer with 4.7 years of IT experience in Identity and Access Management domain. I am currently on the lookout for a new position with Visa sponsorship in UK.

Looking for job in Big 4 , Goldman Sachs, JP morgan, Morgan stanley , Ocado, Wise, Sainsbury's digital , Accenture. Kindly let me know if any one can refer me. @Sainsbury's Accenture Wellsfargo Wise JPMorgan Chase Morgan Stanley EY KPMG PwC Ocado

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Anyone recently got a mortgage here? Where did you get the best interest rate? TIA

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Sharks at JPMorgan Chase

Can anyone share the office infrastructure like Gym, Cafeteria, Parking and Transport for Mumbai offices?

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My generation is really f#cked up. It's impossible to save any money. And it's not that I don't want to. Is simply because I can't do it, by the end of the month there is really not much left. I'm exhausted of working to just pay bills 😔 Sometimes I wonder if those people that quit everything to have a better life are really the smarts one.

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13fixed at Accenture how much should be take home?

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Question on savings
I'm in the 30% tax bracket and hate paying tax
In a year, I invest 50k in NPS and 50k in VPF(voluntary provident fund as it has the max guaranteed interest)
With both I get a tax exemption of 1 lakh(80c section).
Otherwise, I'd pay 30k as tax and have 70k in hand to invest in other places

Question: is it worth doing nps and vpf with the inflation and lock in period? Is the extra 50k nps worth it?
Or better to invest in 3 year locked ELSS mf n ignore nps 50k?
Thoughts???

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I’d love to retire by 35. I know about the 25x expenses rule for a 4% withdrawal rate, but how does that account for 401ks that I can’t access until my 50’s? What about real estate?

I’m 26.
•$150k in 401k/IRA
•$220k in real estate (excl. primary)
•$88k in cash/brokerage
• the rest in HSA/primary home/other.

To calculate FIRE, am I only looking at the $88k that I can access readily? Real estate is cash flowing, but not sure how/if to factor in the equity.

Thanks in advance!

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So should I buy Tesla or too late ?

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Flight at 4:30 asked for volunteers and offered $800 United voucher to take the 9:55 flight, first class seat.

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Do you leave tips for the cleaning service when staying at hotels for an engagement?

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Are senior banks aggressive in formal IP growth financing? Assume sub $25M in credit ask

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Buying GBTC in a Roth IRA… 👍 or 👎

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Best book you've read recently on personal finance?

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Why is the MTA so awful!?!? And they are going to be raising the fares again!? For what!!? 🤬

The MTA should be our audit client. I’d bet you’d find so much wasted and pocketed money!

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Curious to know how much your student loans were when you graduated from your program, how much you’ve paid off so far, and your age. If you have any varying factors too, like kids, income range, etc. Just trying to see if I’m on track or slacking in life. I am 34 yo, i graduated with 95k in student loans, i currently have 85k left and i make 85k in come. I’m also a single mom with two kids. Just praying for 100% student loans forgiveness. Wishful thinking???

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Dear All,
I am seeking suggestion, Recently started fishing business.
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Hi Fishes,

I seek your help in identifying the offer letter, whether its from Deloitte USI or Deloitte India, if its from Deloitte USI why the notice period is 60 days?

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When an independent recruiter says they will send you as a candidate to an agency, do they have to? Or can they just pretend to be polite, say you could be a great fit and ultimately not send?

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Any BCBA’s in this bowl??

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How do you make yourself more attractive and competitive for an Investment Analyst position?

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Any tips on dating for me, someone really not pretty and doesn't have a nice body?

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I need some guidance on this situation.

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When I hear the 90-100 hrs a week in banking, is that time nonstop work or is that including waiting time? I work in TAS right now, and so far the hours seem way lighter than I expected.

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I had my first day today at Accenture. Attended the session for attendance but till now did not receive the FORMAL check in mail. Is there any chance I can mail them later saying I do not want to join ACN and abscond or do I have to serve notice period as well?

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Hi folks, I've got 2 offers in hand i.e. 1 from accenture technology for associate manager L8 and another Deloitte India Manager level with 10 YOE. Both are from SAP SCM practice. I am looking for some help to decide further keeping the WLB, future prospects, benefits and travel obligations in mind. Kindly help.

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@ emids If anyone is interested in joining Emids then please take a look at the career page of the company and feel free to ask me for referral. Variety of openings in india and USA and Canada. Agile, cloud, data and analytics, digital transformation. Healthcare experience is a plus. Good spread of clients including fortune 10 companies.

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How many people on here still have personal laptops? Mine is pretty old and beat up so I’ve been considering getting a new one but I also rarely use it. I guess it’s good to have around when there are things I can’t do on my phone / work laptop.

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Hi Guys , i have 2 offers in hand
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Additional Posts in All things points

Do you still get a Premium Economy seat on transatlantic routes if you’re United Gold?

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What’s the best cc to maximize pts if we can book our hotels using our personal credit cards? Only hotels, not anything else

Flight at 4:30 asked for volunteers and offered $800 United voucher to take the 9:55 flight, first class seat.

I took it. Was this a good move? Wwyd

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Looking to spend up to 100K spg points on a 6 day vacation in early July. Domestic/Caribbean preferred (very few Delta pts right now). Best options?

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How do you know that you on the list for promotion to a partner?

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Anyone looking to buy an AA flight soon? Have a $100 voucher expiring in Feb 2018. Looking to sell it for $90

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4 United GPU’s available. Let me know if you are interested in taking them! Expire in April’19.

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I'm trying to book a hotel in Paris but the actual hotels website is way cheaper than Chase portal. This is my first time using Chase. Will I still get extra points if I don't use their portal and use the hotels website for booking?

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Help! Last minute trip to Hawaii, want to use points. Have about 250k points thru both Chase and Amex (each). Also have Amex Plat.
- Chase is running 1.5x points to transfer to Bonvoy right now.
- Amex has basically the same deal as Chase - every 2 pts transfer to Bonvoy for 3 pts (am I doing the math right?)
- Amex also has $200 FHR/Hotel Collection annual credit for one of the hotels I'm considering
- Could also transfer points to Hyatt, but not as good hotel options where I'm headed

CONT...

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would a solo trip to thailand or australia be better? looking to escape the cold in the winter. (would obviously be in australia longer vs thailand) ty!

I’m 2 nights short of hitting 80 nights at Hyatt by end of the year. Is it worth booking 2 night $160 total for extra 10K points?

Can you book business or first class if the flight is 5 hours?

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I’m trying to see what cities in Asia I can redeem points for a flight at an Economy MileSAAVer rate to and from NY. Is there any way for me to do this that doesn’t involve me inputting cities 1 by 1?

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Found a piece of glass in my salad. Call the front desk and said: “Ah, Don’t worry about it, happens all the time.” The fuck is wrong with me.

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Best SPG properties in Buenos Aires and Rio?

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Recently received 80k offer for Amex Gold and 150k offer for Platinum. Currently use CSR for travel and dining, which we will downgrade later this year as wife got CSP for 100k bonus (which we might upgrade to CSR to keep 1.5x redemption). Considering Gold for groceries (family of 4) and potentially for dining over CSP/CSR. With groceries, 4x return will just offset AF. Have no exp with MP. Worth getting gold? Can I later (next month) also get Platinum for bonus for when travel starts again?

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Looks like there's new exclusive / targeted bonvoy promos out. I got 2 stays for 4500 points, coworker got same, some didn't, any other ones out there?

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Booking a flight to BKK from NYC, should I go with Asiana/Singapore/Turkish (with 3 longhauls in J 2 shorthauls in Econ) vs. Qatar J) 2/4 flights q suite and $500 more)

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Anyone here has experience with switching Qatar miles to American miles after the flight? Also All Nippon miles to United miles.

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