I started a few new business ( with debt) this year, and because the way my taxes looked with other losses it looks like I didn't make a ton of money. Now my credit dropped from 800 to 720 and I'm having trouble getting credit. Despite having a perfect payment history and fully able to cover all liabilities. Any way to get the credit up. If I pay off my liabilities then my credit history gets shot with young accounts. What's the best way to handle this?

This is my first yr having access to an FSA through my wife’s benefits. Trying to decide on an amount to contribute and it’s tough. We may or may not get pregnant this year and that’s a huge. Cont..

Buying a condo with an HOA - what’s the average reserve % you’ve seen? My HOA is 23% funded, and recently raised dues.

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

Currently making 70K and I usually up my contributions each to start each year. I'm up to 10%. How should I split up my mix? Currently all in traditional.

Plan is to get this higher as I eliminate debt but 10% is all I can afford to do for now

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

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

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...

Anyone else catch Tesla today? After months of no trading and waiting for the right time I had 10 700c I bought Friday at $695 a piece and exited at 4K a piece for a profit of 33K. Time to stay composed and wait for the next high conviction setup

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

Parents are deciding between moving to WVirginia vs Virginia at retirement to be closer to us based in fairfax (ideally be at 1 hour driving distance). They currently in the mid west but WVirginia appeals to them because of low taxes, low cost of living. We are also poc so appreciate some diversity.

What are some areas you would recommend both in Va and WV? What else should they consider prior to house hunting? Dad likes to garden/farm as well so looking for homes with large backyards. Tia!

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Hi fishes, need urgent advice. How is the HDFC Index Sensex Plan? I have invested 75K but it's in loss as all others. Should I continue to average it out or stop investing in it? The loss is higher in this compared to other funds.

What’s the best credit card for points in the UK. I’m from the US and have the Chase Sapphire Reserve and the Marriott Amex

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!!

I recently received an offer for 200k€ in Amsterdam. Includes travel, 30% ruling, holiday pay.

Any idea if that is enough to cover a mortgage on a flat within biking distance from the city center without over spending on housing?

(3 small kids and a non-working partner)

Hey all. I've got 30k cash to spend on a new car. Any feedback on the following 2017 Lexus rx vs 2018 acura rdx vs 2017 audi q5??

Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

Anyone play fantasy football? Would anyone be interested in a bowl / mini league? I’m guessing there are some good data analysis skills being put to good use out there.

Hello guys
One of my friend in deloitte is under IAP process and she want to keep resignation if she keep resignation will they give immediate relieving Or IAP will ends on dec 25th(they will wait till IAP ends) or according to deloitte norms do they tell us to do notice period for 2 months?? Any idea can any one pls give me the suggestions??

Hi Guys,

I have 4.6 YOE in Linux and Devops and my current CTC and s 8.2 lpa. I am thinking of switch in my career. How much package should I aim for..
I have experience in below tools
Kubernetes and EKS
Puppet
Nagios
Aws
Fundamentals of Gitlab.

Hello Fishes,

I am looking for new job. Can anyone please refer me?

Tech stack: Java/J2EE, Spring, Spring Boot, Hibernate, Oracle, Mongodb, Elastic search, Rest API, Grafana, Prometheus, Jenkins, Docker, Kubernates, Git, GitHub.

YOE: 1.5

Currently on NP.

LWD: 25th Nov 2022

Hello All - I struggle with time management. I take medication but I have no idea whether a task will take 40 mins or 4 hours. Because of this, I over commit and under deliver. Also, having been on the receiving end of criticism, over time I have developed a perfectionist streak. I won't turn it in if it is good enough. How do you break out of this habit?

Any resources to help the brain structure tasks and make better estimates? Much appreciated, thanks!

Hi everyone,
I joined nagarro in July,22 and my first salary credited in aug,after that i was able to declare flexi and tax components ,then my second salary credited for sep month and it was very less ,bcoz of flexi declaration.but when i calculate declared flexi amount is ~25k ,as per nagarro it is tax saving component which you can claim later.but I am still not understanding why my executive allowance is very less this time from which ,i got in august 112000 and in sep it is ~21k in payslp

Can anyone refer me for java developer role 3.11 yrs exp

Anyone work in the Healthcare industry? I'm looking into joining Healthcare. I'm currently a Senior in tax compliance.

Hey Fishes,

Joined LTI recently in P3 band. However not allocated any project. Got a call from the resource management team to relocate, which I rejected upfront as I was promised a role in the location I am posted. It has been over 2 weeks since I am in bench. What shall be the next steps, shall I wait for some days or start looking for other jobs as getting a project looks difficult as there are minimalist responses.

Hello fishes of LTI!
How is WLB in LTI. I am joining LTI next month currently working in Capgemini. WLB in Capgemini was good. Can I expect the same in LTI?

Opinions on having other people do the readout of decks that you created all the way through (data processing, analysis, and compilation)? I personally think its so silly having else do it.

Anyone else on the RSR call today?!

I’m completely new to Google cloud but I’m from CS background. I know programming, SQL, networking concepts, operating systems concepts etc. How long will it take me to prepare and pass GCP solutions architect certification? What’s your recommendation for preparing?

What percentage do you contribute to your 401k vs. Roth 401k? And what's your salary?

I figure there should be some point where you earn too much and it's not worth contributing to your Roth 401k

Tips/Nuggets for switching departments within an agency.

What are the major differences between being a tax associate at a firm vs big four? Currently a state tax court clerk deciding what to apply to for next year.

How to became a data scientist what kind of technology, languages and azure certification I need to do in order to be the one . Please help🙏

Hi connections , anyone working with Barclays ? Need a refferal.

What might be a better career path?

1) KPMG Data & Analytics - Tax Ignition

2) FTI Consulting - Corporate Finance: Restructuring

Both are above 70k in salary in MCOL

Im leaning towards KPMG... both would be right out of college, entry level.

I’ve practiced litigation in DC for about 5+ years at a larger plaintiffs’ firm, and am considering a switch to a defense firm. Is there any insight to how many billable hours this would require, and how much time that would actually be? For reference, the firm has a 1900 billable hour requirement and the partner said I would have “no problem” fulfilling that based on the work they have.

Can anyone recommend a reputable legal recruiter for the Washington DC market? Drowning in LinkedIn message spam, but looking for a new job and would love to reach out to a pro to help me connect with opportunities.

What types of lit mid law or boutiques are better WLB than big law? Is this even a thing or just a myth?

Anybody know the starting salary for a second year associate at Gray Robinson in Florida (not Miami if that makes a difference)? Thinking of a lateral in and want to know what I’d be working with. Bonus structure? Minimum billable req.? Bueller?

Hi fishes. I am a third year and I was extended an offer to lateral to an Amlaw 100 firm, but as a second year. Is this common? I am coming from a specialty firm with four offices nationwide with a good reputation in our field. The lateral position is in the same field. Thank you!

Does anyone know the typical salary for a 1st-2nd year associate at Lewis Brisbois in Los Angeles? L&E

Does anyone know the starting salary for Jackson Lewis in the firm's Connecticut office, as well as the billable hours requirement?

Somewhat recently lateraled from a large firm to a small firm and I’m starting to feel very micromanaged. Any tips on how to deal with this?

How many billable hours per week is considered at capacity? I’m getting pushback on boundaries I’m setting about additional matters and marketing work from my firm when I’ve been billing 60-75 hours per week for the last 6 weeks, and I’m still behind on my work. I feel like it’s reasonable to not kill myself further to fit in more/turn things around faster at this point, but am I being unreasonable? I expect my workload to remain at this level through the end of the year at least.

Anyone else having trouble focusing today? Every time I have a long break and come back to the office I’m reminded how much I don’t like my current job. ID Associate and I have such a hard time concentrating even after a week off. I find it mind-numbing and unfulfilling. I’m never excited to come to work anymore for the past few months now. Just found out from a legal recruiter that I’m also way underpaid here. Hopeful I’ll get a job in a diff area of law or find another calling altogether.

Should I transfer my UBE to a few other jurisdictions just so that I can be licensed in other states? Any cons aside from CLEs/costs?

Why are read only documents called “riders?”

Why do partners tell associates to be cost-conscious when billing for certain clients when they can just cut your hours on the back end?

I recently floundered professionally and realized that the reason was I expected my relationship with my job to fulfill all my human needs and when it didn't I had no idea what to do. So just a reminder to prioritize the relationships in your life that give you meaning, your job is one of them but it's a poor life if that's the only one. Have great relationships with your friends your family and yourself

Planning on taking another bar exam and moving. When should I start applying for jobs? Coming out of law school I applied all of the year before, but not sure if it’s the same since now I’m practicing?

Anyone want to give me retroactive FOMO by sharing stories from their summer associate programs? Mine is entirely virtual, and needless to say we are less than enthused by what we’re missing out on

Billables are low this month. Like I have 65 billable hours in so far. I’ve messaged partners over the last week to try and get more cases but there are tons of new associates who were just onboarded and were at a low point for business. I’m freaking out

I have an interview for an in house position (only attorney) at a small non-profit focused on conservation easements. I am a transactional associate at a mid sized law firm. The prospect of freedom from the billable hour and contributing to meaningful work are the draws. The cons are that while the salary at the non-profit would only be slightly less than what I am making now, pay increases and opportunities for advancement will be much less than where I am now. Thoughts on making the shift?