I have about $45k in a CD that just matured. I’m thinking about placing it probably in index or mutual funds but have only basic finance knowledge and am not sure about which or how to split. Advice??

How to change bank account to receive salry I currently have HDFC want to change it AXIS

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

📊 Poll: Is Snapchat worth it's 3 billion 💵💵 IPO valuation?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

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

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

Personal finance book recommendations?

Has anyone here used New Western to buy real estate deals?

For those with corporate banking expertise, how do you typically go about calculating debt capacity for a company?

Anyone have a contrarian opinion on a trend / investment theme going on in the private investing world, particularly tech investing? Feels like everything is painted in the “huge growing market with tons of white space” lens.

Best everyday bank account and credit card in Australia for an expat couple?

I‘m moving to Australia with my partner and we don’t have a bank account and credit cards yet. We basically need the bank account only for everyday finance stuff (local payments, debit card, etc) and we‘re looking for some credit cards with good international fees and ideally a reward program to collect some points for traveling.

I'm planning to purchase a home in the next 1-2 years as a first home buyer. My parents are currently refinancing their home and because they are close to retirement and have a smaller income, I'm planning to take out the mortgage under my name (won't be listed as the property owner). Would I still be able to get the benefits of being a first home buyer when that time comes? Or will the mortgage disqualify me? I recognize this isa unique situation, so it's been hard to find a clear answer online

Pre-tax 401(k) or after-tax...thoughts?

Is there a reason to get the luxury SPG amex if I got the new Chase Marriott card like a month ago?

Hi, I'm new to Dallas. Have been eyeing on rental investment in Dallas. Looking into Zillow, properties in Arlington seem to have good appreciation. Is it good idea to invest in Arlington? What other areas in Dallas can I consider (checked Carrollton, Plano, Coppell, Addison).
Thank you.

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Any good personal finance resources for new grads? How to choose a savings account, how much to invest, etc.

Hi All

Looking to purchase a 2019 Genesis G70 for 35k. Applied for Auto finance and got it approved from DCU at 4.5%.

I know the rates have increased recently but I think this is still high.

Any suggestions where I could get better rates with a good credit score and history?

Lots of us are skilled at delivery but most sales books seem to focus on the pitch and closing... What are your best resources for learning to develop and nurture strong, lasting client relationships?

Hi everyone, I made this bowl to have an open discussion about ageism, share stories and see where we can make a change. That said, what did you expect when you joined this bowl? I’m 24 and just coming in to the industry, so the more I know the better an ally I can be.

Help me ask for a raise in my upcoming performance review? In sum, my company’s HQ is in Texas and I feel I’m being paid a Texas wage when I live in Los Angeles (the role is remote). We do have a San Francisco office and I want to ask my boss to match me what staff are making there. As that’s more comparable. Based off of Glassdoor, my salary matches Texas’s exactly and SF has the same role at 10k more. Should I show him the Glassdoor page? Don’t want to come off too strong. Please advise

To all AEs in the fishbowl, if I am a consultant in sfdc space what is some advice on how I can get time w an AE or get on some preferred list of consultants that an AE might use to help their clients? New in consulting space at the moment but years in SFDC space

Stuck in a weird limbo where I want to leave my job more than anything but grateful that I have one at all with all the layoffs in our industry. It's a new kind of trapped. Anyone else feels the same?

Looking to see if there is interest in starting a small social group for coffee chats, activities (outdoor, indoor). Strictly social!

How to deal with the cuffing season? How to deal with the days post family gathering while being alone?

Which is a better option to go with - LTI or Deloitte India?
Both are offering almost same pay.
Technology - SAP ABAP

Hi Fishes,
Please suggest on which is better in terms of what?
Barclays vs Mastercard

Tech: java, spring
YOE: 3

why cts blacklist any company any idea?

I am a Management Information Systems grad student from University of Memphis, with a cumulative experience of 5 years ( 2years - Quality Data Analyst, 3years - Human Resource Co-Ordinator). I'm looking out for Summer Intern'22 in and around companies in Memphis and Nashville, specifically looking for recommendations for applied positions in FedEx. Any leads will be graciously appreciated.

Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

If you join pwc with an approved I140, do they start the green card transfer (perm, i140) immediately ? I was told by recruiter it will start immediately after H1 transfer . I Wanted to know how true this is if anyone been through this

What buckets would you generally use for cases?

I’m a junior in big law and in the short time I’ve been here, I’ve noticed that counsels produce perfect drafts and yet aren’t partners but partners can’t write two sentences without numerous typos. Shouldn’t counsels be partners and partners counsels instead?

Hey Fishes,

I have few offers in hand and I'm working with DI as consultant. What are the chances that I have to be retained by DI itself? Do they match up with Salary provided by others?

Let me know :)

Colleague has put in his resignation. They are offering him whatever he wants to stay including 4days a week work from home. He’s not bluffing and plans to leave. However, at this same time I was asked to begin working as a supervisor for the engineering team and I would get a promotion at the beginning of the year. I have been supervising and managing our team of 6 for months with no extra pay or bonuses. I was told yesterday that raises will be light this year. Yet today they spare nothing.

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)

I'm planning to purchase a home in the next 1-2 years as a first home buyer. My parents are currently refinancing their home and because they are close to retirement and have a smaller income, I'm planning to take out the mortgage under my name (won't be listed as the property owner). Would I still be able to get the benefits of being a first home buyer when that time comes? Or will the mortgage disqualify me? I recognize this isa unique situation, so it's been hard to find a clear answer online

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

Any accountant recommendations in NYC? Looking for someone who understands the travel situation of consultants, etc. TIA!

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

New to investing and have 60k I want to buy index funds/ETFs with, should I invest like 5-10k a month or all at once? For context, I have emergency fund already established and contributed to Roth IRA

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

SO and I are debating contributing to 401k this year since the rate of return is around -11% on our portfolios this year. I believe it would be better off saving the cash in my account.

I'm thinking of contributing again when/if the market picks up next year. Thoughts?

What are the best platforms for investing in startups as a non-accredited investor? (E.g., pursuant to the JOBS Act and CF regulation)

Can my current lender refuse to accept the payment from refinance lender because they want to make more money from me? How do I sue them ?

Question on after-tax contributions. I’ve recently upped my contributions to after tax through payroll (already maxing our 401k+contributing to traditional Ira to be converted to a Roth shortly contd

What is everyone’s outlook on crypto? I have some litecoin from awhile ago and wondering if I should indefinitely hold it. Thanks!

Is BRK-B a buy right now?

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Anyone pull their 401k under Cares?

Recently received 30k and wondering what to do with it. Not yet a homeowner but also not sure if we’re ready to buy anyways. Have a young baby. Any advice on how to figure out best use?

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?