Chase Freedom vs Freedom Unlimited for everyday spend?
Plan to transfer points to my CSR.
Non traveling consultant

Why do firms not use vested stock options as incentive in earlier stages of career?

Would you say Austin’s real estate market will go through a correction in 2022? I am considering there in a few months (wife and 3 kids) from a normal-priced city. While we can afford a house there, I am scared of getting into an extremely risky investment seeing such fast growing prices in 2021. I’ve read both bull and bear scenarios online and I’d like to get some “Bowl’s” thoughts. Thanks!

How do you manage and track all your investments? E.g., stocks, mutual funds, PPF, PF, gold etc.? Do you use an Excel sheet or some app?

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

Any recommendations for buying agents in Massachusetts?

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

Is Bitcoin about to fall below 30k or rally back above 40k. Vote below 🔮

Monday Wordle :

Wordle 401 5/6

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Hello all!
I'm 26, I studied economics but I don't know why I'm not much into investing/trading. Someone else like this?
I recognize this is not a very good approach for someone with money "knowledge" and I would like to change this mindset. My main weakness is that I easily get bored of following the market and that I do not see big opportunities. Any advice?
Where to start learning, general advice for LT and ST investments, things you learnt, books that changed your pov on the topic etc.

Thx!

How is the AMEX account in IBM?

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?

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

I’m looking for a real estate agent in South Florida to help my buy a house. Must be an aggressive negotiator. Any recommendations?

Tax Senior Manager and Bowl Creator have thrown out WPF, SVOK, and AVAN recently. With these all barely above $10 (and SVOK actually temporarily below), what’s the downside to investing in these? Am I missing something? Don’t they offer you the opportunity to sell back the shares at $10 around the merge date? So max loss would be $0.12 per share on WPF (at current pricing) and $0.19 per share on AVAN?

Are there other SPAC plays that people like that seem like no brainers at these levels?

Do any of you participate in employee stock purchase program? I’m at an IPG firm FWIW.

What platforms do you use for your investments?

I use Zerodha for brokerage and Kuvera/Coin for MF investments.

How many of y'all have trust funds? What'd you do with the $$$?

NFT’s... no interest in buying them but very interested in buying into whatever it is that makes tick. I think there’s a lot of money to be made off of such a ridiculous investment. Any ideas on what to buy to take part in the business of NFT’s, without having to pay $69 million for a drawing of a cat?

Anyone else crazy and buying a house right now? Part 2, does anyone have new construction experience and any important lessons learned? Much appreciated!!

What are the best cities to live in for FIRE?

Hi folks,

Can you guys suggest where to find and apply for good Product Management roles ?
Any websites or sources or suggestions would be appreciated.

P.S: LinkedIn doesn’t seem to be working out well for me. Not sure about you’ll.

Best consulting companies in the social sector?

I don’t know who needs to hear this (mostly As, Cs, SCs, and some Ms) but here goes.

You are important to the project, but never so important that you cannot leave the project or firm for better opportunities. Being in hero mode is good where you save the day, everyday - but in fact that is neither advisable for your progression nor a recommended practice for the firm. If you have been performing and have had decent social skills, you will not have burnt a bridge when you leave.

So i have been fortunate that i have managed to go through my career without the need for a degree. I was lucky enough to have been hired by one of the worlds top consulting firms, worked with a whole lot of big clients and travelled a lot. It's gotten to the point where I am not even asked about the lack of a degree on my resume. Personally though, it bothers me. I have a whole bunch of certifications in my industry…but just no formal degree. (cont'd)

Best consulting firms for PE work (CDD,Value Creation)? Looking for the best firm for exit ops to PE ops eventually. Thanks!

Anyone take the CIPM recently? How was it?

Just did my baseline testing and got results. My appointment to discuss the results with my RE is in mid January. Any guides / ways I can start to interpret them on my own before then?

How do I say to my counselor, "be prepared to see a big fall of my utilization because of things out of my control" without sounding like complaining or having a lot of negativity?

I currently work in ops consulting, would I have the appropriate background to make the jump?

Infosys offer 40lpa incl VP. Current company is retaining with 36lpa fixed. Will Infosys revise offer if I show revised compensation from current company. 12yoe/AEM Infosys Tata Consultancy Capgemini Wipro Cognizant IBM Accenture

Hi fishes,
My LWD is 18th July and I chose vendor pickup for my assets(expected pickup is 10th July).
Is there any limitation or chances of facing issues on Not having laptop with me(for other exit clearances).
Also it would be great if someone can give guidance on exit clearances as I'm worried that I will miss out something.
TIA.

Hi Fishes, I am a lateral joinee in tcs. Can someone tell me what is the buyout amount for notice period. Is it the entire salary or basic pay?

How many of you still wake up early to watch Test matches ?? I have woken up 3am EST to watch India vs Australia, India vs SA series

Hi all,

Can any one let me know What is the difference between designation Associate I and Associate II in JPMC ?

Which one is better and why?

Hello All,

Hope you are doing great.. I am looking for new opportunities in Product based or consulting industry.. Please do let me know if any openings in your organisation.. it would be a Great support to my career.. I have 7yrs of exp in Supply Chain - P2P process..

How is product management course from ISB ?
I am in SAP technology consulting with 8 years of experience, I want to move to product management.

Are there State/federal (or other laws) that govern the closure of a store? The entity owns other stores and will not be dissolving. Just shutting down one of its stores.

For folks looking for new roles (either actively or passively), where are you looking? What sites, apps, etc. (I'm interested in hearing about option *other* than recruiters.)

I have billed 4+ hours today helping a partner prepare a 10 slide PowerPoint for a board meeting tomorrow. Let’s say half of the time was fixing spacing and formatting. I really don’t care as I am billing all of it, but am I wrong in thinking this is unjustifiably too common and a waste of time?

First 70 billable hour week and am dying. How do some of you do this on a regular basis?

Second year associate looking to switch into transactional practice for a few years.
Which transactional practices have the worst and best non-law exit options (strategy, ops)? I understand M&A is the best, but how about debt finance? Fund finance? Aircraft finance? Thank you!

My boss is asking me to “reconsider” the way I approach a client… I am in charge of this annoying corporate maintenance thing that we do for a client (I.e., making board of directors meeting to comply with some regulatory reporting required. I always end up missing deadlines. How would you reply?

Anyone here who started in a general corporate or commercial trans group that later transitioned to a more specialized group (M&A, funds, financing, etc.)? If so, what made you switch and are you happy with the change/what has your experience been like?

Tips for becoming more independent as you progress from junior to midlevel? I am starting to be put into the position of just having to handle things including drafting and could use some advice from others.

First interview at a biglaw firm. Just graduated and want to pursue transactional areas, no prior experience. I feel like I’m a risk of a hire in their eyes so any advice?

As the indemnified party, do you exclude Indemnity obligations from the LoL cap?

Curious as to how many deals at once is typical for a first year associate to take on (M&A, mostly private equity clients). Deal size is lower middle market and I’ve worked on deals ranging from $1-$110M. 2 deals at once is plenty for me, but it seems like my peers are able to take on more than that at once and still do fine. Maybe I’m just a slow learner/out of my league at the big law firm I’m at.

Working on a deal where buyer's side keeps on insisting on a POA to effectuate all actions of Seller under the agreement, including executing documents. I keep striking this and commenting that this is not standard. Has anyone dealt with this? I am okay with a limited POA based on the industry of the Seller, but not this general POA.

Any suggestions on resources for corporate contract drafting? I have been largely responsible for employment matters and basic contracts. Starting to work on buy/sell of goods and services; not huge but also not employment agreements. Looking for refreshers... been a while since law school and the bar. Thanks

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

Corporate / M&A folks making moves over the last few months: Got an offer from a top 50 lockstep AmLaw100 firm. 4th year. Not NYC but in a market that was recently bumped up to the previous Cravath scale market. Base is obviously set. What should I expect / negotiate for signing bonus, year-end bonus eligibility, special bonus eligibility, etc.? Any other negotiation considerations? I would say leverage is on my side considerably.

Any recommendations for a book/podcast/self study materials for a new finance attorney? I have no background in finance and was assigned to a finance group. Help me!!

Any book recommendations on Clinical Trial Agreements?

Stupid Question but what IS tech trans? I’ve seen the chambers/vault articles & firm descriptions but I still don’t get it - are you specialists that support deals? Do you manage M&A/capmkts deals for tech clients? Is it mostly commercial contracts? Is it mostly ECVC? Tech Trans lawyers: what’s your day to day like? How is your practice diff from other Corp practices?

Why provide redlines against the original draft instead of the last turn when sending drafts to opposite counsel?! This profession makes no sense.

Anyone have an objection to me pretty much running my timer nonstop on the day a deal closes as a junior associate? It seems fair to me