I invest most of my money through Chase’s private client ultra short term bond brokerage. It’s earning about 6% per year. My Vanguard brokerage (entirely in VOO) is up 21% in the last 12 months. Should I roll my Chase brokerage into Vanguard instead? It seems to me the main difference is bonds are super safe whereas VOO goes with the market.

Brand new to investing! Husband and I are 37, don’t have any investments other than the home we currently own. Sitting on atleast 100g worth of cash....

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

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.

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

Why is there a culture of young realtors only? As a 40 year old realtor, I am far from retiring! As long as properties exist, I'll be here

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

Amex gold or chase Sapphire preferred? I need a card for international travel to avoid foreign exchange fees. Please note, that I'll receive a $150 credit towards the Amex annual fee due to having a corp card. I'd you my capital one checking, but no rewards/benefits there.

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:

Hi Fishes!

My cousin has moved to another company from DXC technologies.
In DXC, PF amount is not credited in to EPFO directly.
We have UAN and it looks like not activated.
How can we transfer PF amount from DXC to EPFO portal?
There is no relevant response from DXC till date.

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

Come from a no money family & limited financial savvy. What’s an easy way to open and manage a personal investment fund so my savings makes me more money, similar to my Roth 401k. Thanks in advance!

How do you help client's figure out how much life insurance is the right amount?

Looking for a financial advisor. Any suggestions?

I am joining JPM as a VP. Which brokerage accounts are permitted at JP for personal trading?

We bought a condo in February 2022 then as you know prices are going down while rates are flying up 😭 We're quite worried about the value of our home and can't really enjoy it. What's your thoughts about this? PS. First time home buyers 🤫

Okay, how do you know how much sales tax you owe your state monthly?

Which is good brokerage account for etf and stocks. Can't use robinhood due to restrictions

Any thoughts of investing in gold or gold related instruments?

What are other Sr Solution Consultants making in total compensation? Salary + Commission?

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

My company matches 3%. Is that low or on par?

Any insights on the London Big 4 bonus range for SM (tax)?

Does anyone know a good immigration lawyer here in the Tristate area? The immigration need required is to help with the personal GC process. I have talked to one lawyer, and she quoted 4K + costs of applications (approx 1.5k). Do you think that’s fine/too much etc.?

Plans fell through for this weekend. Any female fish want to hang out and grab dinner and drinks

As everybody tells u will get more offers during the last one month of notice.

My scenario is i have decent offer but i dont like to join there because of location issue and im looking for jobs in new tech where i have less exp.

Considering this even though if i have less knowlege and if i perform a decent interview process will i get offers at the last moment?Is the offers during the late notice is given based on as he can join early even his performance is average during interview. Pls share

Hey fishes
Need your help

I am from non tech background and planning to shift my career. Currently I have 2 options for a career change.
1. Data science.
2. Cloud computing and devops.

I have zero coding experience..
Request please help me choose the best for my career .

Thank you.

I feel like Orrick has such a good rep but in here people seem to complain a lot. Anyone know anything about TCG or corporate?

Hi Fishes. What is a lead risk analytics position at Wells Fargo? Also what % of the total fixed pay is the Total variable pay compensation (TVC) and how much of the TVC does one get at the end of the year?

Many companies are on a hiring freeze, as well as many layoffs have and are occurring. Does anyone know if this is temporary? Will there be an uptick in the coming next quarter?

Interviewing for a Director role soon. Wondering how the questions will be? The last time I interviewed was for a Specialist position and the questions were the typical “tell me about a time when xyz happened and how did you handle it?” But maybe these questions are to elementary for Director level? So anyone know what I can expect so I can best prepare?

How much of variable pay is paid out in UST ?? In my package i have 4lac of variable component. UST Global IBM ??

Hi Chicago fish, my team is looking for an ACD (copywriter) for a financial services account. Good work/life balance here, nice folks and a big agency. Please DM me your portfolio if interested.

Any one aware of "Intuitive Technology Partners"
Company? Is that really a genuine one? Any one working there?
They are providing parmanet work from home. As checked in glassdoor most of the reviews posted in the month of march!

Can someone help me here

Hi sharks!

I am a M.Tech. in Biotechnology graduating in 2023.
Due to the current recession, facing a lot of problems in job hunting and placements.

I also have basic python skills, SQL in intermediary level, and I have studied about ITGC audits from a peer of mine. I know the basics regarding IT Audits like Program Changes, APD, Computer Changes, etc.

I have interned at Tata medical centre and have written 3 research paper, one of them is in AI.

Please help.

KPMG Deloitte PwC Accenture EY

Any recs for how to learn how to drive in LA? 😅 Would you recommend driving classes?

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

Any good wedding ring sources aside from Blue Nile?

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:

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

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Paid off my account debt!

Thoughts on personal loans to consolidate Debt?

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

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?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Have about 5k to invest - should I do FXAIX or FSKAX?

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

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??

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

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?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

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.

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?