I have some credit card debt due to irresponsible purchases furnishing my house a couple years ago and from eating out too much. I’m committed to better financial habits now but am wondering how to go about paying off the debt. I’ve still been maxing out my retirement saving but my regular savings are abysmal. I have $28k in a brokerage account and am wondering how to decide which stocks/ETFs to liquidate to pay off the debt. Should I do those at a loss or with gains?

My husband and I want to buy a condo in Chicago in a year. We are close to having a down payment plus closing and emergency funds in a HYSA but are still a 8 months to a year away from buying. I feel like we are losing money by keeping it in cash but it is the safest option. Is that true?

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

What's your experience working with United Way?

Which pension plan does KPMG UK use? I’m US based but needing to rollover my existing UK pension due to new job / new independence restrictions and trying to align plans. Thanks!

MOSS ADAMS SoCal (Irvine, San Diego, LA) BRS people can you please provide some insight? I spoke to an experienced hire recruiter today and he said the company is moving to a hybrid model to include more in-person time between clients and staff. How often are you traveling to client sites and the office? is it as much as audit 2-3 weeks living in a hotel or sitting in the client's office? or maybe once a month? or are you working mostly remote? Thank you.

What rates are you finding from lenders? I got quoted 15 yr 2.62 with 0 points from chase. How to find best rates ?

Anyone trying to travel to India and using united, looking for upgrade, please DM me.

I have 7 delta drink vouchers. Dm me. FREE giveaway. Just making it clear

I am expecting an offer from Master Card for Senior Software Engineer position in O Fallon MO. Please let me know what kind of base salary I can expect with 11 yrs experience . I don’t wanna undersell but also trying to avoid being aggressive but quote a decent number which will be achievable. Any suggestions will be appreciated. Is 125k $ base a fair value for or I can pitch higher? They have a 15 to 20 % bonus on top of base pay and a 10% match on 401k which the recruiter keep highlighting.

Hi ,
I have got sodexo card activated today. I found there is Meal Pass card, Meal benefit pass card and Cafeteria card

Which one we get money loaded ? Will that only usable in Bofa cafeteria!

Is it smart to get multiple credit cards as a traveling consultant?

I’ll be a student again so no income and no guarantors that meet income requirement. How do I secure housing? Do landlords take full payment on the lease? Any places that don’t have income verification?

Anyone got PCR tested at a Walgreens prior to India travel? How long did the results take to come back?

I told myself I wasn’t going to do it. Re-assured myself I wasn’t going to do it. Told myself you’d know what would happen and still ended up gambling away a bunch of money I know I couldn’t blow. I don’t understand.

How many firms is too many? I’ve practiced 13 years. Since I was a 1st year associate, every 3 years or so I’ve been recruited for another opportunity that is hard to pass up. I’ve been at my current firm 3 years and got the call again, again about an opportunity that is hard to pass up. I don’t like having a reputation of a flight risk, but this keeps happening. Should I decline to pursue the opportunity just so I have a longer track record at my current firm? This will be my 4th if I move.

Has anyone traveled to Turkey with Turkish airline. They’re the only ones with nonstop flights but I’ve been hearing a lot of negative reviews regarding their customer service and all out experience. Is it worth the hassle or should i suck up a non-direct flight with a different airline?

Hi guys,
I have got offer letter from pwc sdc (bangalore) my joining date is 6 th june.
I have not recieved any confirmation regarding laptop delivery,Wfh or wfo.
I have asked from my HR so ge mentioned please be ready,You MAY need to work from office as per business requirements.
And my colleagues who have been hired through same process have got mail already regarding laptop delivery and wfh.
I am confused 😕

Anyone know what to do in this situation? Offered a job at a startup, as part of the package they are giving me options. But they don’t disclose the % ownership or outstanding shares. What should I be asking/doing here?

Senior Creative team salary in London at a big agency? Ideas?

What’s the promotion timeline like at meta? Is it YOE based on work based? I’d be coming in a lead counsel

What is band can be expected with 4.5 years of exp in Bigdata Hadoop in Capgemini.pls let me know and how much can be expected as package

Hey there Fishbowl community,

I’m planning on moving to Canada, Any advice anyone can offer? Also any suggestions on Job hunt? Can I find jobs out of Canada or I have to be in the country for better chances ??

2 weeks to go for performance, increment + Bonus communication. Has anyone heard any news related to this? (PwC India Assurance)

What are some perks of the Ritz?? I’m staying here for the next few weeks but I don’t get the hype

Does anyone in LA want to practice cases?

How is JPMC projects in cognizant?

Received an opportunity for react js.

I was just laid off due to COVID. Felt invincible when the crisis began but now feel lost as if my career was ripped out with the tide. Slowly gaining motivation to get back on top

My wife has two offer ,already confused and don't want to apply for any other opening now.

TCS- 20LPA ( 15.8 Fixed+ 80k retention bonus after each successful year of completion+ 3.4 L monthly and quarter variable pay)

IBM- 20.35 LPA (Total fixed) and 50 k joining bonus.

Yoe- 7.3 years. Technology- IICS.informatica power center.
Which one to join considering-
1. Career growth
2. WLB
3. Maternity leave benefits
4. Future annual hikes

Please suggest

The coolest thing engineering gave us...

Hi fishes, I joined infosys as manual tester in trade finance domain at 3 Lpa now after almost 2 years of experience I have offer from tcs for 4 Lpa and quality kiosk for 7.5 lpa. Tcs offered me a developer role while quality kiosk offered me the same role in Testing with trade finance domain. Tcs refused to renegotiate the salary even a little. I'm not sure where I should join, any suggestions?

Does anyone have feedback on working for Mercer Advisors? I see a few positions in the Rockwall/ Dallas area that intrigue me. I’ve read Glassdoor reviews- was looking for more in-depth info.
I have my SIE, Series 6 and Series 63.
What is the work culture like, PTO, management style? Thanks!

So, recently got put on a PIP after six months at my new job., two days after I told my boss and HR I recently learned I have a cognitive disability caused by an illness. The PIP was mostly because I forgot some deadlines, but also they said I need to be more professional in emails (even though others use zero punctuation and a lot of emojis. To clients.) and simultaneously ask more questions and ask fewer questions. Should I just assume this is unattainable and look for a new job again?

Is it ok to add gifs to FSD? I’m planning to add a gif of a chart progression in a FSD.

What is a good alternative to a HYS and/or a CD for short term 6-12 month horizon? Low risk similar to HYS/CD, atleast from a principal conservation view.

23 y/o, is it ok if I’m not maxing out my 401k? There is so much pressure to, but I am waiting until I move to a lower cost of living area and get promoted in a year.

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

Considering adding a REIT index to my lazy portfolio allocation for my 401K and Roth Accounts. Thoughts?

Moving from Canada to the US. Anyone have recommendations on best credit cards to apply for to start building credit and that either leverage Canadian credit or don’t require credit? Have heard Amex and RBC (and a few other larger banks) seem most straightforward but open to ideas.

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Do you think any of the major cruise line companies will go bankrupt? Debating if I should invest.

If I make $120k base and have 50k for down payment, what should the house price be?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

Anyone know what is the financial requirements to be approved for Fidelity level 2 option trading?

Thoughts on a HYSA vs Vanguard Money Market Fund. Most HYSA are at ~1% and Vanguard MMF is at 1.3%. Should I park my money in a MMF long term, even when banks raise their interest rates?

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

I have $100K liquid cash over and above maxing out 401K, HSA, College fund, investments in Index funds and emergency fund. I plan to leave $25K for contingency. Of the $75K is it wise if I purchase I bonds worth $30K (myself, spouse, kid)? Current combined rate is 9.62 Does anyone foresee the interest rate drastically reducing? I don’t intend to cash them out before 5 years.

How did you get started with your personal investing? I am 26, F, and currently have a 401k, and some money in stocks but not much. I’m extremely interested in investing, real estate investing and wealth growth and have been reading and listening to podcasts. Any advice?

My husband and I want to buy a condo in Chicago in a year. We are close to having a down payment plus closing and emergency funds in a HYSA but are still a 8 months to a year away from buying. I feel like we are losing money by keeping it in cash but it is the safest option. Is that true?

Thoughts on the Marcus Investment robo advisory rolled out by Goldman a few weeks ago? They charge low fees which is great, but I have a hard time seeing what makes it different than others.

Opening my first CD.. thinking of Marcus.. any suggestions?

How do you make side moneys? Any apps or websites that would allow me to do work online and get paid? Thinking about bookkeeping gigs or something similar.

4ht July fireworks happening tonite

Thoughts on VBIRX as a short-term (1-3 year) savings vehicle? Split with a HYSA.