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:

Hello,

I'm planning for my first solo trip. Any suggestion on places to visit for women solo traveler and travel groups or agency who facilitate ?

This has probably been asked many times in this bowl - what’s the best hotel rewards program? I have the Chase Sapphire Preferred card and I’m a Southwest RR member. I travel maybe 25-30% of the time

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

FYI - Just went on the Marriott website and selected the option to combine both spg and Marriott accounts. All stays and details updated. Past history to be updated in 48 hours. Get it done folks!!

Are we on recession? My portfolio is super down - low cost ETF investor here

I just applied for a Delta flight attendant role and my page glitched right in the middle of my application and now it says I’ve applied even though I didn’t finish answering questions. Has anyone else had this happen? So scared it has completely ruined my chances.

Can we just take a moment to recognize how great of a human being Dolly Parton is. She knows how to do good with her wealth.

Is it worth saving money with 401K or get better rates in FD’s / Post Office etc in India ? FYI 50% match is provided by company for first 5% only

Would love to get insight from folks here as I’m not quite sure what to do. I currently have around 14K in student loan debt and enough saved up to pay it off in one fell swoop. What I’m struggling with is whether I should invest that money into the stock market (thinking less risky S&P 500 ETF) and pay off my student loans monthly with the average payment being around 1000 so I can pay it off in about 16-18 months (due to interest being around 5%) or pay it off all in one go?

Looking to hire a Supply Chain Strategy Manager role at an SF consumer electronics company. 3-5 YoE in consulting, bonus points for SC project work. DM me if interested! Location is SF or Dallas but open to remote for the right fit.

Random, but valid/persistent thought.

After 2 years of a pandemic and working independently for many years, I am not feeling interviews AT ALL. There are points in the interview where I want to just say "Look! Either hire me or don't".

How can I get over this feeling? I'm over the whole "stand in the line of fire to prove how good I am" bs. Any recommendations for getting over this or possible industries to pivot into to avoid bs interview processes and ghosting?

How do people afford to buy $1M houses in Chicago? Surely not everyone buying them is rich (which is somewhat of a subjective term). My wife and I are 30 and have a combined income of almost $300k and trying to buy something that expensive seems asinine yet people do it. Am I missing something?

With product design questions, I struggle to identify user groups. Once I do everything starts flowing and I’m confident. But the initial identification of user groups is something I find challenging. What’s your go-to way of doing this? For example, the question “design a podcasting app for truck drivers.” What types of truck drivers can I select so that I can prioritize a user group to focus on and begin identification of pain points and solutions?

Have to take short term leave due to current health condition, can I claim short term disability benefits while on H1b visa? Thanks in advance for any info.

You did an interview and your interviewer apologized that the travel time 180minutes was much higher than 30minutes scheduled time for the interview and that It could have been done remotely, but she has to follow the process. I am still waiting for feedback though.

Is this just a humane demonstration?

So, Partners... What's your spending breakdown like? Curious to see what expenses y'all have. # of yrs as Partner may also help.

Thanks for sharing! Again, just for fun and curiosity.

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

What price did you buy your bitcoin/litecoin/ethereum at? Have you sold any?

Could anyone recommend a set of indices that are publicly available and is a good predictor for consumer spend in home renovations ?

Anyone know if deloitte allows part time CPT? My full time CPT ends in May and been emailing immigration but no response.

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?

Can anyone please share the experience to allocate the project after joining. Experience in Java backend. Is there any tips to allocate project before joining or after joining. Thank you. @

I am having 2.2 years of experience in Bigdata Testing. Please let me know any vacancies

Salary of a solution architect in cyber security( pre sales and with RFP experience) industry with 7-8yrs of experience.

Is a 110k salary fair for UX Designer in a f-500 organization with the following responsibilities:

Wear many hats in UX, for 7 separate digital products
Flows/Logical solutions for the business
Manage entire design system for the 7 products
Do UI design for the 7 products
Provide spec work for dev teams for each product
Random graphic design requests
Lead a team of 3 designers
Do manager role to organize the work under agile design sprints with Jira boards (daily scrum, refinement, grooming)

What is the average salary for analyst for client onboarding in investment banking in india

Trying to get an investment job in Toronto as a new immigrant. I have 4 yoe in consulting, investor searching and financial service (risk). Currently working at call center to get local experience (bilingual), opportunities for internal transfer, while preparing for CFA 3 Feb 2023. Any ideas what to prepare in extra?

I’m a financial advisor with jpmorgan and i verbally accepted a new job in private banking with another firm. This is my first time transferring licenses. Should i wait to give my two weeks notice until my new firms hr department clears me and gives me a start date or as soon as i sign the offer letter?

Londoners, I have a friend visiting me for Easter and am looking for ideas on where to take her besides the regular touristy stuff - pls help!
Plus, what’s the best theater show you’ve seen lately? Thank you 😊

Me? I was just buying shirts online and then immediately added underwear because the model wearing them was hot because I am gay.

I have a new employee that started last Monday, unfortunately it’s not going to work out. Long story, but we’re fairly certain the individual is using Meth and appears to have started/restarted fairly recently. I work with physicians, so it’s a consensus. We have to terminate employment, but what ethical obligation do we have? Two young children at home and no spouse. This is weighing heavily on us.

Hi Guys,
Is the notice period is 90 days across HSBC or is there any chances to reduce it while job switxh

Thoughts on SNAP puts ? I feel like Snapchat is the least utilized social media platform behind IG, tik Tok and Facebook. Yet it’s basically at a 52 week high

Anyone ever use a credit repair service and have success?

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...

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

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

Anyone have a recommended tax person in Chicago?

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?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

What does 401k mean?

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

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.

Thoughts on personal loans to consolidate Debt?

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??

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

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

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

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?

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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)

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