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?

Taking a personal loan of 20k or more will it affect perm (GC) process?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

I don’t get it: Why would anyone invest, for example, in a 6% dividend yield etf with a 0.50% ER (ie EMHY) instead of a 9% dividend yield etf with a 2.5 ER (ie YYY)? Wouldn’t you still be getting better results with the expensive one?

D 🐠, what was your take home in first year as principal? I assume you all get roughly 350 units and have to finance your buy in. What does that leave for your monthly draw? And after your insurance?

Does 401k count as savings?

29/M , I love to listen , cook and travel internationally.
I am looking for a Female who is funny, stylish and willing to try new things.

Does anyone know which country’s U.S embassy is open to renew US visa stamp for H1B ? I know Canada closed the borders until May 31. Just wondering what other countries are good options now given the pandemic. Thanks.

I've worked in hospitality for two years, but now the travel restrictions are lifting and I'm nervous; how busy does it usually get around Christmastime?

How can I invest in real estate ? Looking for an additional passive income source

Fellow EY 🐟. I left EY recently after two happy years there. How can I get the pension money back? I had around $1500 there and they are not able to help in EY-HELP3.
Can I at least do a rollover to an IRA?

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??

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

How common is it for a firm to contribute to an HSA on an employee’s behalf, and what is the largest contribution you’ve seen that an employer gives?

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

I am considering moving from US to Canada within EY if my visa doesn’t work out. Joined EY TAS- OTS from MBA as a Senior last year with base of 150k. How much salary should I expect in Toronto?

I have $700 personal ecredit on delta to use because I cancelled a flight. Can you help me with a few questions please:
1) if I use it to by a $200 flight, do I lose the other $500?
2) is it route locked or can be on any delta flight?
3) I’m assuming it’s locked to me only.

Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

Was recently offered a job in Hawaii that would be a much larger role than I currently have (deputy chief architect). The downside is the cost of living is nearly double my current location and I would only be getting a 40% pay increase. Do you think it’s worth giving up quality of life/spending value decrease to accept the larger career and possibly expedite my career progression?

How does everyone explain their jobs to their in-laws? I need an explain it like I'm five explanation on my role and fintech in general for my family gatherings

What percentage of hike should we expect while being promoted from IN3 to IN4 at Walmart India?

Hi,

I got 2 offers one from HCL and another from LTIMindtree. I want to join HCL but they are yet to release offer letter but has given confirmation over mail.

For LTIMindtree I have received the offer letter and yet to accept the same, but they are soon staring background verification for onboarding as soon as I accept the offer letter.

In this case what to do pls suggest.

Does PayTM(Payment gateway team) allow permanent wfh?

I am finishing my 1 year this coming week. I am a graduate hire. Will my band change after 1 year automatically? Should I expect any hike?

Which are the highest paid IFS functions?

Have service related PTSD or anxiety effected your clearance level at all?

Rumours of mass defection if the split goes ahead. Who in this bowl is planning to leave? And if you're thinking of staying, what is your rationale?

Has anyone moved to ireland or visited for a long period of time. A role is opening up there and I have the potential to move. What are some things that I should consider. Currently live in SF, CA

LinkedIn banner photos? Yes or no.

33M NYC. Feel free to reach out to chat

Thoughts about the MINI Countryman SE? Thinking of buying used 2019 model

Someone teach me how to flirt! How do I let this guy know I’m into him?

Chewy TUMS: These look so good but its not clear to me if its halal. How do you determine from these ingredients? Especially when the first ingredient is alcohol ammonium which i know its not alcohol but any clarification on these ingredients would be appreciated!

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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:

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?

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.

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

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?

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.

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

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)

Any good wedding ring sources aside from Blue Nile?

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?

Paid off my account debt!

What does 401k mean?

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

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

I’ve always been a big saver minimum 15% to maxing out my 401k since I graduated college. I’m married to someone who thinks 6% is enough and likes $$$ cars. Other than the cars, they dont really spend money. For the married 🐠, how do you have the conversation with them that what they are doing isn’t enough? I try to guide them and say you want the $$$ cars but the salary you have won’t get there and you’re going to have to find a job that gets them the salary…. Then the fight starts.

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 dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

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