I’m an authorized user on my parent’s Citi AA Executive card to get the AA lounge access. However, they consistently go over 30% of credit usage / sometimes over credit limit (cont.)

For those w investment property, how many of you self manage vs using property manager? This is my first condo, relative new build from 2018 and a family friend jus moved out. I would have self managed but am scared about squatting/evictions esp w Covid and the rent memorandums. Thinking of jus getting the property manager as I am new to this... Advice appreciated.

Under contract to buy my first home - house hacking a triplex. Property has been leased by the same three tenants for the last 5+ yrs, rents haven’t been raised since they moved in. Market rents have risen 70-100% in the same timeframe. All seem like ideal tenants (retired and take great care of the units) but I’d like advice on how to approach the rent increase conversation. Rents don’t make/break my mortgage payment but I’m leaving a lot on the table if I don’t increase significantly.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

I only have Reg left. I failed it once before. For those who have passed Reg what were some of things you focused on? Also if you have any study tips I would really appreciate it, tax has never come naturally to me.

Does the Amex corporate green card qualify for the $100 CLEAR statement credit?

I just started my first day at a startup (on the executive team) but a new friend of mine wants to utilize me as a part-time portfolio manager/financial advisor given my entrepreneurial, VC, & operational background. His holdings are $10m+ and mostly in real estate but he wants to get more involved in tech investing. I have a background in both and it won’t violate my obligations. What terms should I offer him? I was thinking: 1% AUM and 10% profits. Please offer any advice.

Hi folks - anyone here is a realtor or was a realtor in Toronto before? Looking to chat with people who have the experience.

What are your thoughts on ESPP?

What are the best credit cards for travel points?

Any A&M folks here? Wondering how benefits / 401k compare to Big 4

Are US markets or Emerging markets the smart move for 2021? We have the fed but they don’t have the burden of future debt 🌎

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

Does anyone know how to declare in my individual tax return, RSA and Stock Options from a US Company that I have? Non exercised yet.

Has everyone really lost faith in LTC? It seems that nobody is talking about it, and it’s not on anyone’s top holdings list (on FB) 🧐

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?

First instinct this morning... put more money on coinbase. Hope by the time it clears I still catch the bottom.

If you leave J2 and get another (new) J2, does the first J2 show up on new J2 background check? Assuming these are w2 roles. If so, how do you explain that? 🧐

In HCOL areas like NYC, how much would you say is “Too much” credit card debt? Moderate and low amount also. Single , married or any situation.

Can my current lender refuse to accept the payment from refinance lender because they want to make more money from me? How do I sue them ?

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Question for F🐠. Someone asks you to keep them company via text, social media, maybe a phone call sometime etc. You'll be payed to do this. Would you do it? And what are your terms?

Recently accepted a temp role as an HR admin for a former employer. Previously interned there & left because my supervisor did not have any growth opportunities planned out for me; this was in spite of my stellar performance, as reflected in my 90 day review. She has since left the company, but there’s crazy turnover in the company & in the HR department in particular. Just that an HR coordinator resigned. Is it worth going back into a dumpster fire w/ no leadership to gain experience?

Dell vs SAP labs which is better in terms of work?

Hi 🦈,

Does SAP lab do BGV again after fadv completed its verification and score is eligible .

What all documents they will verify again?

Does sap lab considers internship as work experience?

What is the dress code in sap labs?
Formals or casuals ?

Hi, I am currently working in telecom domain. I want to switch tech to Salesforce. Which is the best course to learn in Salesforce which have quite good scope in future.
Developer or administrator? Please help.

Hi guys,
I want a genuine opinion as i am confused regarding this
I am thinking to learn DSA and move to product companies to become generic developer instead of salesfoece developer.
What should i do ?
Is spending time and energy worth it to go out for salesforce space and learn dsa or no?
If anyone has done it in past or tried it,
I am happy to discuss

Anyone want to grab a drink this weekend? 25 M

I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

Hello Fishes,
My brother is a b.com graduate(2020 passed out) and looking for a job.
The problem here is because Finance jobs requires exceptional skills and academics due to which he is not able to get shortlisted for most job interview screening, he is receiving interview calls from great companies but not able to convert them.
If anybody can help even with an Internship position at their firm that would be a great starter to his career.

PS: leave a like so that I can send Dms across✌

Worst part about being unemployed is the pity face everyone makes when you tell them. If I hear one more "don't worry you'll find something soon" I'm going to scream. Trying to be helpful is one thing but pitying me helps no one and makes me uncomfortable.

Hi fishes,

Working in KGS, Is Work from office Mandatory for Advisory Consulting? I saw several posts below for 1 April but there is no mail around it. The only mail is about 1st March returning to office. Should I plan to relocate to base location by 1st March?

Hi fishes! I'm considering taking up one of these 15 week PM programs, and came across HelloPM. Has anyone here been through their cohort? What was your experience like?

Any good photographers for a birthday shoot in Portland,Oregon?

Anyone has given the BIE interview recently? If yes, can you please help me understand what sorts of questions were asked?
Amazon

Guys - If I am going for a h1b first time stamping interview, what do I answer if i am asked "Do you work for an end client?" I do not have any client letter or any document to show the interviewer. any guidance will be super helpful please.

Guys keep posting hikes ..but be truthful about it.

Any idea how much I should be paying to paint 1800 sq feet house interior, ceilings, trim, and doors in HCOL?

I just cut $37 off my budget by:

Cancelling LinkedIn Premium, which resulted in customer service providing me 50% off for 6 months
Changed from Dropbox to Google Drive
Borrowed someone’s Netflix

I’m a new renter, is it common to pay pretty steep fees with online rent payment? Looking at a 35 dollar “service charge” that I’d like to avoid if possible

What is a reasonable monthly budget for single folks living in Manhattan? I eat out rarely - maybe 2x / week and have the usual high 1BR rent + Wi-Fi + electricity and am netting monthly expenses at around 4K. Any other ideas on managing your money better?

Looks for advice on how to stop spending so much money. I like really nice things and spend a lot of money to get them (food, clothes, furniture, apartment, gifts, etc.) I use everything I buy...

Looking for recommendations on good personal finance apps.. have used mint for a while but wife and I are looking for something we can both link all of our accounts together on…need both mobile and web app

I recently signed up for a 0% interest (for 15 months) credit card to help with paying off credit card debt. I’m happy with the decision. However, I’m uncertain about the best way to use my upcoming..

Feeling over my head money wise. Moved to a HCOL area and bought a townhome since rent was so high as well. Mortgage is $4k including taxes. I make $200k a month. Did I make a mistake?

Is it better to live in a good apartment with decent school district or live in an average apartment with good school district. it’s hard finding anything around 1600 near Philly. Should I find a place which is more expensive and sacrifice standard or living? Thoughts ?

Need help for an older woman to find her job in Philadelphia. She is in her 60’s and can be a good admin assistant without computer knowledge. Sorry but if you know anything please advise.

Best budgeting app? I’ve tried mint, personal cap, Banktivity - dont like any of them. Want something that lets me treat my transactions like a to do list that needs to be categorized.

Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, very limited exposure and currently downward trending stock and crypto. Any recommendations? Also do folks have any fiduciary investment planners that u can recommend

Are there any debt consolidation options for a professional family man with a decent credit score, who's let high interest credit card debt get out of hand? I get the mailers that entice with a low advertised rate, and then the offer comes back at something slightly less than what I am already paying. I am thinking something along the lines of a bank that I can talk to, and explain exactly where the money is going, not being apposed to a direct deposit to the card companies themselves.

What is a reasonable monthly food budget for a family of 5 (with 3 young kids)? We have been spending ~$1600 per month, including restaurants/takeout and grocery store trips, but trying to assess whether that is reasonable.

I’m saving up for a first home (3-5 yrs out, 30k saved) and looking for insights on safe amount to spend. HHI 300k (very recently doubled), 30k student debt, children in next few years, 29yo. We enjoy spending on vacations and hobbies so lower fixed costs, and interested in FI. Trying to figure out a balance between getting a dream home but setting up a secure future. We live in NE so housing and tax is high and stressed by the sticker. Any insights would be appreciated

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.

Has anyone here successfully re-negotiated rent since the height of the COVID crisis? Live in NYC and can’t go back because I have to regularly take care of a family member with an immunodeficiency.

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.