I have a credit card debt of $20k and it’s split across 3 credit cards. Because of this and missing 2 payments recently , my credit score is 590. I earn $115k

It’s getting difficult to manage and I want to consolidate the debt to make one single payment. But with low credit score, it’s hard to get loan.

Can I ask my friend (720 score) to get a personal loan and transfer the amount to me? I can pay him back $2500 every month and can be debt free in 1 year.

Anyone successfully book a flight with sky miles to the Maldives from the US? Based in ATL and every time I switch to the sky miles option I get no results. Thinking it’s due to airline partners

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Hi all, I recently purchased a commercial property at WTC, Noida. As I look to grow my portfolio, I spoke to my consultant to see if I could get better prices. He worked with the sales folks at WTC and said that if multiple buyers come in, he could work out a deal. Wanted to check if anyone is interested? I could potentially get him to set up one-on-ones to help explain the commercial real estate market. Even if this property doesn’t seem interesting, I think an interaction wouldn’t hurt.. contd

Anyone opted for NPS Employer contribution, is it good for tax saving? Is there any maximum limit to it? Does employer really pay it or deduct it from our CTC only?
Please help.

What's a good agency to go through to do travel nursing in California?

Any recos for a fee-only financial advisor that’s under $300/hr? Need to understand sole proprietor/small businesses.

Anyone has experience in investing through Angellist?

Any tips on how to maximize fun and convenience at COTA ? Going to a Grand Prix after 11 years and first time in the US. Ill be flying into Austin and appreciate any inputs from folks here on stay , travel , seats and other general inputs. Thanks a lot 😊

Obligatory financial info post. 1) size of firm, 2) billable requirements, 3) salary, 4) bonus, 5) quality of life, 6) debt, and and 7) family/married/single. Go!

Anyone know why our miles didn’t carry over to the next year? Had 20k miles over Delta Platinum

Will SPG Green Choice award of 500 points also triple to 1,500/night under the consolidated reward system? Couldn’t find anything in the Marriott marketing materials

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

Can any one tell me, how to invest in quant mutual fund through it's website?

Hi fishes,

I have received a offer from Dubai based company of 16k AED per month. They are providing employment visa of 3 years to me. I have 3 members of family including me. I have to manage flat etc on my own after one month.

Pls guide whether it's good option to move in Dubai or not.

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

Possible routes to landing a tech job from outside the United States. Ideally looking for a sponsorship, to move to the states. Helpful resources ?

Hi,

Can I pay full hra amount as rent to my parents to get hra exemption benefits.

HRA: 5 lakh

How long does it take to hear back after your final interview for an in house counsel role? I did the final round of interviews for a Bay Area company last Monday and still haven't heard anything. No rejection yet, but the longer I hear nothing, the more I worry they're not confident I'm the right fit.

Hi Fishes,

I need 11 likes to start chatting with Individuals in the group.
Pls help

Regards

Hi Fishes,

Please suggest :

Data Analytics - 5.4 YOE | 11 LPA CTC

Skills - Python, SQL, Power BI, Azure

Have one offer from EY GDS - Tax GCR - Data Analytics - Senior with 17 LPA fixed + min 10% variable VPB.

Need views on this offer/package & opportunity.

Suggest your views. @EY

Do you invest in commodities?

We are building a SaaS product for product owners to make informed decisions on product strategy and improve product roadmap process using data science and NLP. We are looking for pre-seed round.

I am an expert Crypto currency trader, I do Binary/Stocks FX trade using Bitcoin and other Crypto currency and it's very profitable.

If you don't have experience about it i will teach you...

I am having skills of Analytics but not getting job I know Excel and other tools also Power Bi, Google sheets, Google Data Studio, Python, My Sql in learning.

Holding 2 offers. 1 from Accenture and One from Hexaware. Hexaware paying 2lakhs more than Accenture. Which one I Can choose. Accenture taken me for Cloud. Hexaware taken me for Devops. Friends pls suggest. Confused lot

Hi. One of my friend got an offer from hexaware for Siam role. how about job security and increment.

What types of jobs allow you to be successful with minimal/zero networking?

Retrieval done, 26 eggs later! :) Good luck to all of you with retrievals coming up or are somewhere in the process! Fingers crossed for strong embryos!

I have an asset purchase of a retail store transaction. Seller is keeping the second location. Seller is licensing the name from the buyer. The licensing agreement is supposed to contain provisions so that the seller cannot offer promotions or discounts that the buyer does not also offer (i.e., seller cannot undercut buyer's pricing). I know very little about antitrust. Can anyone give me some suggestions how to enforceably draft this agreement, or is this arrangement impossible?

My h1b got picked up in lottery this year but case hasn’t been processed yet. Meanwhile I also applied for H4ead extension. What happens to it when H1b gets approved?

How many days it would usually take to receive H1B approval notice in the mail? Have been contacting BAL since my case was approved on 06/17 and still they haven’t received it.

I NEED HELP WITH CREDIT SCORE issues: Two months ago my credit score went down by 30 to 40 points due to dad missing credit card payment by a day (i got added to as authorized user on his credit card for me to build credit but now I’m filled with regret). I was devastated by it. This past month I have been making more payments and paid off my aug statement in full thinking it will boost my credit score. But I don’t know why it went down another 10 points. More below:

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??

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

In your opinion which is the best target fund to choose in IRA Roth?

Anyone have a recommended tax person in Chicago?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Any good wedding ring sources aside from Blue Nile?

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

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

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

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

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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.

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Google stock to buy now or after the split?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?