I need financial advice from a tax accountant. My question is that I am in debt (cc), and i would like, well i wouldnt like to, but i think i have to withdraw from my retirement (im in my late thirties) to pay for it because my payments are so terrible i just want out. Thoughts? (-$23k as an fyi)

Considering getting my license and starting off as a real estate agent. I've always loved real estate, house flipping, interior design. What can I expect as income and time commitment as a brand new agent with no book of business? How hard is it to get established and become well known in my area? I'm in the Bay Area. Anything else I should know before I quit my job and persue this dream?

Any Chicago 🐠 buy their first place in the city? I’m 1-1.5 years away from buying a condo here. How long did the process take you? What do you think a comfortable price is for 2Bed/2Bath? Continue:

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

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

New to trading and investing in equity. Have $200k in equity and $20k in MUNI bonds. How do you plan to diversify?

I have a yearly income of 130k and will rent a 1Br/Studio in Manhattan from 2.4-3k by end of the year. I also have student loans of 28.5k which I intend to pay off in an year or so. Currently, putting in 4% for Roth per pay cycle and maximizing my HSA. I net a monthly income of close to 7k. I intend to save about 3k for the next 3 months in my Marcus Savings Acc and 1.5k from January (reducing it cos my rent doubles) How should I go about planning this and also have some emergency savings?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

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

Won’t the proliferation of digital fiat currencies created by central banks (US, England, China, Sweden) make bitcoin’s success inevitable?

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

How do you boost your credit score within a couple of weeks? Very small increase needed.

A lot of my friends (on H1B) have bought houses in suburbs (or away from City) the past year. I really would like to stay near City (NYC). Any of you considered or have bought apartments in City area instead of huge suburb houses? Any pros and cons that you are aware of?

I love that my 401k gets $200 in dividends every quarter

Luggage delay claim question

I used Chase explorer to buy tickets for my vacation and luggages were delayed for a month. Per chase term I am entitled $100 a day for 3 days. But the claim agency chase used has been asking for airlines response, which has not came (2month+ now). I am concerned insurance will use this as an excuse to never compensate. Is there a good way to handle this situation?
TIA

My monthly salary after employees pf deduction and professional tax of 200 is 96,500.
How much income tax will be deducted on this amount without any investments and all.

Since the Chase Freedom Unlimited gives 3% cash back on dining, does that mean you get more UR points that way vs. using the Chase Sapphire Preferred?

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

First in my family to go to college, parent is abusive so I have no safety net & had no help. Worked full time all through college & still graduated with 30k in debt. I’ve been paying really aggressively on my private loans since the federal pause and I checked today and I now only owe 2800 in private. Pretty sure I owe 11k in fed & I qualify for the 10k. Honestly trying not to cry from sheer relief.

Hi Folks. I am a single and planning to move to Seattle. Need some recommendation if 130k is good enough to live comfortably in Seattle.

Has anyone used or is currently using My Perspectives ELA curriculum from Savvas Learning Company? Our district is considering switching from iReady and I am looking for honest feedback. Thanks!

What are the best product based companies in Hyderabad for testing roles?

4YOE

Hi fellow immigrants. My partner and I are in the process of getting a visa, and we need an agent and as many contacts as possible for intent letters. Anyone that can offer some help? We're experience enough, hot agencies, hot cities, live work, real interest from NY agencies... Is just that we don't know people in the US yet. Any help would be appreciated.

Its been more than 2 weeks i have given my interview and cleared the levels. HR discussion is still pending and my lwd is jus a week away. When will the HR complete discussion ?

If you have generalist skills, what types of jobs should you be targeting? I have some skills relevant to bizops, pmo, marketing, but can’t seem to land a job in any field. 3 YOE.

How much does ibm give in glasglow onsite to 7A ?

I had HR round long before and last Tuesday my HR sent me this link to feed my present employer data for Background Check.
When can I expect Offer letter mailed to me??

How are the SAP projects in IBM, Mumbai location?

Hi Guyz,

I went through the entire recruitment process and got selected for IBM ISL. Now I am being told by the HR that they are unable to release offer as there is a hiring freeze.

Can any one please tell me if its correct or just an excuse not to give me offer. If its true, when will this freeze be removed?

***Urgent *** Where to join?

2 days left to join.
IBM - 17 lpa
Capgemini - 23 lpa
Tech - Oracle apps/fusion technical Yoe - 10 years.

I heard, there are projects shortage @IBM in Oracle Apps currently. (As my colleagues are on the bench for 2+ months in IBM after joining)

Please suggest IBM Capgemini Accenture Tata Consultancy

Baringa Partners vs Bearing Point

Discuss

I have Cognizant offer 25 LPA & EY 29 LPA
YOE 9
Does cognizant match the counter offer?

Also while negotiate counter offer it requires share complete offer latter? Instead of screen sort of CTC break up

Hi Fishes,

Could anyone refer me to an open position in CGI?
Position ID: J0921-2888.
Thanks in advance.

Looking for referral for SAP HR payroll expert.

I work with middle and high school students that have mild LD. Has an felt that they have to walk them through every step of every assignment?

Need to update my LinkedIn page. Anyone have tips on the best things to call out? Clients, projects etc?

Fo you guys respond to emails on PTO? So far I've gotten my inbox blown up the first two days of my vacation with "urgent" emails and emergencies. starting to resent literally everything.

Haven’t practiced a single Sim for REG and test in 4 days...am I screwed?

What are your thoughts on Wiley? Pros/cons?

I’ve taken FAR a few times at this point. I got two 74s and this past one I got a 70. I felt like the last exam (which was a few weeks ago) was extremely harder than the other ones. Has anyone else noticed the exam getting extremely tough? Or do you think I just got a one off?

Would it be wise to start NFP/GOV modules first for FAR since they are heavily tested ?

How does someone remember so much. I feel like I spend a lot of time trying to remember things which I think in return hurts me

Anyone waiting for scores today?

FAR, what a pain..that’s all

Taking FAR soon! Currently reviewing the book and wanted to see if y’all had any advice on what modules/sections to cover more then others? Been hearing Gov/NFP is a big one. Anyone care to share what the exam was like for them and what it mainly covered?

Can anyone please advise on the process of obtaining a license in MA.
I passed my exam and need an experience certificate from my former employer but they want me to send over a state application form which they would fill out but Massachusetts does not have ang such form.
Has anyone faced such issue before?

Taking Reg this Friday so wish me luck

Endless anxiety and refreshing the candidate portal waiting on score release for my last test.

Feeling very defeated and shameful at the fact that BEC has been my hardest exam. Can anyone else relate?

CA shutting down prometric, just received an email that my December date is going to be canceled.

SCORES ARE UP!

Really wish I never purchased 'Ultimate CPA Exam Guide' through Bryan Kesler. Waste of $708. I've been completely duped. Stick with official CPA materials and NINJA. "UCEG" Method is practice & review

Exam scores are up!

Becker expired. What to do? Cant extend it since i dont have an nts and dont want to pay for one yet but need to study.

Scheduled to retake AUD in 4 weeks and take REG 4 weeks after. Ready to finish this beast!

Anyone here taken the LSAT and the CPA? Which one is harder?

I've taken all the exams twice and only passed BEC... got a 71 on REG and 66 on FAR. I really feel like giving up. What are some tips to stay motivated?