I had 60 day late payment of 35 bucks in Jan. It was new Amex Hilton card I opened for stupid points. It was reported and my credit score had been consistently dropping from last 6 months. It was 780 and now is 735. I realized this 3 months and been paying my credit card bills immediately. Infact I have overpaid each card to have negative balance so my credit utilization is almost zero. What else I can do to repair the damage. I am applying for homeloan and this is big issue to get best rate

I got an offer in AMEX.. Can anyone say where is AMEx located in Bangalore -- Mahadevapura or Koramangala?

What’s the answer/statement you use when you’re applying for in-house roles and you’ve freelanced for a while? Recruiters seem to be weary of freelancers.

Hi buddies, I had a situation i got interview scheduled for TCS but unable to attend due to some reasons, Now whenever I got a call from any consultancy or from tcs recruitment team they ask for details and then they are not able to schedule the interview they says my resume is already in the system so they cannot schedule. Does tcs have such policies if anyone scheduled and unable to attend the interview they won't allow them for interview in near future?

If I have the Chase Sapphire Preferred (CSP) for two years and want to upgrade to the Chase Sapphire Reserve (CSR) but also get the bonus, would my best bet be to open a Chase Freedom Unlimited, transfer my CSP points there, then open a CSR, get the bonus, and the. transfer my old points to my CSR? Would this actually work?

My wife is giving birth in a few months to our first child. Should I take the full 16 weeks? Four months seems like an extremely long time. What about utilization and bonus? Getting replaced in projects and initiatives?

Hi All
I have 10 yoe in Mainframe. I have below 2 offer:
infosys - 22.29L.
JPMorgan Chase - 27L, still negotiation going on (also have h1b visa if that matters in negotiation).
I am planning to join in JP Morgan. This is going to be my first company switch (working at onshore since last few years) so wanted to know below things:
1). Is 27L is good enough for 10 yoe resource ? I have seen people joining 24-25L at 4 yoe.
2). How is asset and wealth management (AWM)..? JP Morgan

United Platinum question: I know for award redemption domestically you can get a miles redeposit for free, but does that include int'l travel on partner airlines?

What are the perks offered in Delta Bangalore office?
Some to name are Free lunch and Free Cab facility.

Hi all,

I'm new here.

I had an interview in LTI for a .Net Developer position. There were 2 technical rounds and I got selected. I received an email from the recruiter to submit the documents and EAF. I had submitted the requested documents the same day. The recruiter told me that she will schedule the HR round.

I was following up with her, and after a month she messaged me on WhatsApp and said, the HR round can't be scheduled because my expected CTC is her maximum budget. Seriously 😳

Does anyone have insight into PGIM Real Estate compensation? Looking at an Investment Analyst role in DC area that requires 1-3 YOE. Glassdoor has limited info and is showing ~$80k for the role which seems low for someone that is not a recent grad. I don’t want to bother applying if that’s the realistic comp.

I recently started (5/mo ago) at a new agency and everything is a 180 from my last role and I’m honestly getting discouraged. Everything from pitching style and media approach to the types of clients (I was told in the interview process I was going to be working with some clients but that has totally shifted) and I feel like my experience and expertise is both not valued and ideas shot-down at every turn. How can I turn this experience around?

Going to London in October for 8 days. Looking for recommendations on things to do and where to eat. Also, should we spend the entire time in London or travel half the time around to various cities?

Do certification really play an important role in interview? Give your thoughts fishes🐬

Hi fishes.

Last week I gave interview in Mindtree and got a call from HR on Friday saying that I have cleared my managerial round and that she'll be calling me for further discussion. She then setup a interview and told me that she's taking my photo for further process.
She told me that I should be receiving another call but haven't heard back from them.Also not able to get in touch with her.
What can I do in such situations.
Do they reject candidates after clearing cultural/managerial rounds??

Has anyone had their credit score go down significantly for no apparent reason? Mine has gone down like 50 points in the last 6 months. Cont..

Almost 4 weeks in and my status is still wrong. It was correct for the first ~1 day and then bumped down a level. Shouldn’t be hard as all my nights last year were SPG. This is ridiculous.

I am in the middle of interviewing. What does a systems engineer do? I come from a software background so I’d be working in that realm of it and happened to come across this position and was considering applying.

So... is it on the bench or on the beach? Both make sense to me, but which one is right?

Awesome to hear all the fireworks going off 💥 🧨

T-Mobile. That is all.

Have you ever gone on a medical mission?

Booked my tickets to go to India with Lufthansa. Checked baggage allowance SEVERAL times. Now it's taking me to United to check-in and United is only allowing 1 bag to be checked in. Other one apparently is $100. Is there anyway I can fight or salvage this situation?! (We're traveling a party of 4 so I'm looking at extra baggage charges of $400 one way) .
X-post

Hi sharks , I have some doubts in PaaS Analytics, can any one help in this regards please

I would like to hear opinions. I got two interviews and 2 days after my last one on a Sunday I received an offer. I reviewed and counter-offered on Tuesday and I received an email on Thursday saying that they could give me what I asked and that they were going to send me a new offer that same day or the day after. A week has passed, I sent a politely follow up email and nothing. It’s that normal? What do you think?

Should I start Jimmy G or Matt Ryan today?

Hi Fishes,
I belong to construction industry with PGDM from NICMAR in Advance Construction Management having expirence of 2yrs. I want to know how can I boom my career even after so much of higher education and expirence industry has slow career growth and toxic work culture. Iam not getting how to move further with such underpaid industry even sometime I get the thoughts for switching the career with data science which again needs time and money investment please suggest DS scope for Civil eng

Got a package of 100k in the US. Getting 20lpa in India and wife is getting 32lpa. Having a kid.

Parents are not alive. Less relatives, less friends.
Should we go to the US leaving behind 50lpa cumulative package in India?

I’ve seen a few posts about long waits but does anyone know the typical time it takes to receive an offer or rejection after lateral callbacks? Or, if we could start a list of recent experiences with offer timing that would give me an idea. I feel like covid has made everything wonky. Pref big law corporate positions

Hi, what's the current notice period in Opentext? I couldn't find that in offer letter.

Has anyone been to Uzbekistan? There’s not a ton of info online, other than a few blogs that vaguely say it’s great. Should I go?

Need some genuine career guidance: I have 10 yrs of exp. Have worked with two Big 4s mostly around Tech implementations / Business process consulting. Need to pivot into product companies (that old rehetoric) but not really sure in what role. TPM (Program) roles give PMO vibes. Don’t have any hard core skillset (only general Tech consulting). Few exit ops I am thinking about : Cloud (need to learn and get certified in a few if I plan go this route, DS (too late I now I guess?) any suggestions 🐟?

What does the Asian representation look like at BCG Boston office (consulting, not internal)?

private equity fund accountant salaries?

Apart from MAANG, which is the best paying company in India ?

Mention your CTC and YOE. Let’s find out who’s paying the best.

Curious - How much do y’all contribute to your kids’ 529 plans annually? I’m thinking $2k is a good amount.

Also, what is your target balance once your children reach college age?

What would you recommend doing with extra cash after max 401k and IRA? Open a brokerage account and continue to invest in the market or diversify into real estate/small business? Total noob btw...

Do you think mortgage interest will drop again?

Does anyone have tips for getting started with investing in RE?

Bought Alibaba back in 2020 and it’s been downhill from there. Should I sell off the $3k max for tax loss harvesting? Does this just reduce my income tax on that 3k?? No other investment sales this year. New to this, thanks.

Best personal finance/ investment podcast?

For people who have HYSA, do you also have a credit card with the company or do you just send money to your main account if need to pay for something?

Let’s say I have $3k monthly expenses. Should I still keep ~5k at a time in my Wells Fargo account and just move the rest of the additional savings to an HYSA? Then move funds from HYSA to WF account when needed? Or is there a better way of doing it?

For those who refinanced MBA loans, what kind of rates are you getting? I refinanced about a year ago while I had some CC debt and got a 10 year with a 5.36% for $150k (had some undergrad loans in that too). I have now paid off all CCs and am wondering if I can get a better rate. Probably will stick to a 7-10 year term as we are prioritizing other things first.

Rate my portfolio:
20% eth
80% mix of spy, qqq
20% aapl
10% speculative stocks and cryptos
60% VYM
Using margin for >100% @1.1%

Also have reservations to sell for lucid air, Ineos grenadier, fisher ocean, cyber truck. Haha

Blood bath at Wall Street. Time to buy MFs?

Looking at houses around $800k. Just got introduced to the idea of a jumbo loan…. I have about $125,000 in equity in my current house, which will probably be closer to $100k by the time closing is done. My local lender is requiring 20% down on a jumbo loan, which I don’t have. My first question is—does anyone know of a lender who doesn’t require 20% on a jumbo? Second, I have about $100k equity in a rental property but lender requires 40% down on investment properties for a HELOC. Help!

Anyone know what kind of downpayment I’d need to buy a house in Atlanta? Know markets crazy right now but our rent just went up 11% for our apartment lease to renew which has me thinking I need to stop renting probably by beginning of next year . Household income >$100k but currently a good bit of our monthly income is going to education expenses for my wife and I (will=$20k total and is our largest expense outside rent)

Doing my taxes and realizing "never sell"

How would you invest 25k? LT vs ST

Looking into investing in SPAC, anyone know where to start or any down side to this?

What companies are holding (in their BS) the debt to finance the 2020-2021 boom for used RVs, used light aircrafts, luxury cars (used cars in general), used boats, art, etc.

Typically these type of loans are securitized and sold to 401k/mutual fund investments. However, that is not always the case (e.g. Carvana). I also heard yesterday from finance expert that BOA holds all loans thry issued.

Any companies in the industries above that are holding 2020-2021 financing in their books?

PFE - 5% down after the vaccine is approved ... why 🙃

My state offers no benefits for 529 contributions. Can someone who’s done the research please tell me which plan with no residency requirements I should go with (or a top few to look into)? Basically just looking for low fee with solid investment options

What is a good introduction book on investing?

What is the best book to learn about Investments, and Retirement Planning in 2021 or any timeless book? I am 36 and only got 160k in savings lying in bank accounts and feel I am way behind. I regularly watch people providing screenshots of them reaching million.. Family composition: Couple with 2 kids. HHI: 150k. Hoping someone could provide some guidance here.