I refinance my car loan and was approved last week. Would it be safe to say I can ask for a loan to consolidate my credit cards? Or is it too soon?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Anyone investing in index annuities? Can someone explain why this is beneficial?

Are you investing today?

I just got a new credit card. It came with a Priority Pass membership. I always travel economy, I hardly ever get lounge access. I got excited, until I remembered I can’t travel and lounges are closed anyways. :(

Have 20k, what’s a good small business to start with this fund? Serious question here

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Roth vs Traditional 401k, thoughts?

Angel investors : What returns do you expect when investing? Also what’s your range of investment?

There has to be a point where focusing on minute details generates diminishing marginal returns.

Would ETH be the next BTC?

Do we have option to include stock in salary structure in FIS to save income tax?

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.

How is the AMEX account in IBM?

How is everyone finding the year-end craziness to close deals this year?

How do you guys feel about US people earning so much more…?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

I always get to work an hour early. Is it okay for me to leave a little after 5:00?

Hi Fishes, Wish you a great day ahead 😊🤗.

If you could, how would you change things to prevent yourself from becoming unemployed?

Can anyone tell what could be the expected range of package for a lead devops engineer - yoe 12

Justifying the Sheraton's painful bed to yourself because the Four Seasons don't recognize your loyalty

Hey Fishes,

Currently I’m looking for an opportunity with Big 3 firms.

Presently working with a Big4 firm.
Yoe : 5 years (before MBA)
Qualification : BE, MBA (tier 1)

Off topic

Is there any low interest or interest free loan policy available in thoughtworks?

Current employees, please comment...

Is there point in applying to roles without referral? I’ve a strong background but hearing nothing on applications and don’t want to waste a shot by direct application into the void and having to wait to reapply

Is there a secondary market for CPA books (outdated) or just throw them away? Thanks.

Hi Guys,
I've provided all the details related to my employment, Qualifications and CCTC to HR very correct but I've miscalculated fixed and variable pay, will there be any issues on BGC?

Please help!

Hey all, I am looking for a new opportunity.

Yoe: 3.7
Skills: Informatica, Azure , SQL, Linux.

Thanks

#dataengineer #informatica #etl #referral #openings

Apart from offer do we have any other additional benefits in ibm like leave encashment, travel or internet allowance, food card allowance etc.
I also see sign on bonus of 1lk, could you please let me know when and how it will be paid considering working for 1year plus ?
What is the % we can expect for yearly performance bonus which is not part of package and how is it calculated and when it will normally be credited ?

Which biglaw/midlaw firms in the area have the best reputation for culture and work/life balance? Any to avoid?

Anyone raising desi kids in the US? What are are some of your fears?

How many days after uploading the docs the status changes to Verified?

Has anyone in your company heard the word (cross-connect) or (leased Line) perhaps you have heard this from the network team at your financial institution?

Are there any other administrative assistants to the school superintendent in here?

Does anyone know what the base salary increase is going from Analyst to AVP at Barclays in the UK is? Front office trading role

Any good wedding ring sources aside from Blue Nile?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

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

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?

Google stock to buy now or after the split?

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?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

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.

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??

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

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’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.

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

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:

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

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

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.

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

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)