I’m looking for advice on diversifying types of debt. Is that smart/good? What should I look into? If not, what can i do to increase my credit score other than pay on time? I currently just use my csr card for everything. 26m TC around 140. Thanks!!

I have Moderna calls that expire on October 15 with a strike price of $300. Should I sell before S&P 500 inclusion and buy back in?

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

Holding H1 stamped visa but haven't travelled yet and expired. Am I eligible for Cap-Exempt from India ?

How long it takes for cap-exempt to be processed these days in normal processing ?

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

My company allows contributions to both traditional (pre-tax) and Roth (post-tax) 401k. Is it better to split my contributions between the two? For example, I could contribute 3% to Roth and 3% to traditional (my employer matches up to 6% total but that can only goes to traditional)

When did you buy a home?

I’ll be working near a big market at 85% BigLaw salary. I have student loans to pay off, but considering getting into the market early with a low money down option.

Will someone please explain to my dumbass how like-kind exchanges for crypto to crypto capital gains under the 2018 tax code works? For example:

Do you guys think the Bay is a good city to retire in? I want to buy my parents a house closer to me but not sure if I want to move them here but it's either that or I leave

Why do people accrue prepaid expenses?

Thoughts on being a chindi chor to save $500k and go through the EB-5 route?

How are people managing visa stamping outside of the US ?

Thoughts on states taxing student loan forgiveness as income ? I admit I don’t know much about tax law but I feel like it shouldn’t be considered income unless they’re sending out checks to everyone. 10k off the balance of my loan shouldn’t be considered income.

Lost ~50k on OHM and Klima.

With all other crypto holdings, my total crypto profits of 150k from ATH in summer is gone and now I'm in 30k net loss.

Share your stories and make me feel better.l, please 😢

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

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

Bought an apartment in Chicago. Best lenders? Got an15yr for 3.625 with total loan cost of $2k. Anyone hear of anything better?

401k Roth or traditional 401k?

What are some personal finance actions that, if needed, must be done by end of year? Let's try to make a checklist!

Tax loss harvesting

Retirement accounts for 2022: can contribute or withdraw over-contributions until April 18, 2023 IIRC

HSA: same as retirement accounts

...?

Hi Guys, currently being considered for a security developer role at Siemens Bangalore. What would be a fair compensation for my profile - BE, MSc, 1 YOE at Siemens (intern)?
Any advice is appreciated, thanks.

Wednesday Daily Dordle #0107 5&6/7
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Hi Fishes!!!
How is Coforge(previously known as NIIT Technologies) is for the Scrum master role on the basis of :
1. Work life balance.
2. Work nature.
3. No. Of teams handled by one Scrum Master.
4. Being Agile forum.
5. No. of reports and meetings for the agile forums not just teams.
6. Layoffs.

Please help me by answering as many pointers as you can.

Location is Noida.

Thank you.

Has anyone transitioned from PA to a PhD in Accounting? What is the PhD like? And how did you know it was the right decision/time?

Hi all,

I recently heard about Stoa School for the working people, who wants to do MBA. Would anyone provide any insight if stoa school is worth to consider for MBA for working professional?

Rising 2L here…Just found out yesterday that one of my top target law firms is not participating in OCIs (they don’t have offices in my state). Any advice on the best way to move forward with them? Still planning to apply, just want to know what I should be doing. Thanks!

Hi all,
I am currently working in infosys as Devops consultant with 4.4 exp and looking to switch company. Can anyone refer me in tcs ?

I have accepted offer letter.would like to change my surname in offer letter.last company my surname is yyy. have recived offer letter with surname as yyy. My govt IDs have surname after marriage zzz.I would like to join tcs with surname zzz. What is the procedure.?

Help me with likes, can't use DM

Are there coaching services available for technology case interviews? It seems like the coaches available through Management Consulted, Prep Lounge, My Consulting Coach, etc. have coaching services available for traditional case interviews but not sure if there is another platform specific for tech cases.

Does anybody have any material covering the basics along all industries?

What would be the average salary for a principal engineer at UNUM in Atlanta, USA?
Profile 12+ years of experience, full-stack tech-lead/sol architect

What is notice period in Capgemini during probation ?

Hello! Looking for some guidance. I will soon be leaving Verizon after 15 years with them (6 years HR experience, 3 years Operations, 6 years leadership). The last HR position I held will be eliminated and I was offered a severance. I am now in the market for a new place of employment I can call home. I was thinking of trying for a start up. But the likes of Google, Adobe, etc. also seem appealing. Would you recommend a start up as my next endeavor? I enjoy helping build processes and policies.

Anyone who had a tailored 2 piece suit made from Parmar Tailors in Deira. Did you get a price reduction or pay asking? What did you agree?

Looking to see how much other Provider Enrollment Specialist make including what their company's invests in their 401K

The market is down. Are you buying anything today?

What’s the best way to maximize having both the chase freedom unlimited and sapphire preferred?

For context, I’ve had the unlimited for 2 years and just opened the preferred because of the bonus offer. I will hit the $4k spending target, but after that, what’s the best way to use these two in tandem, given the unlimited rewards are all around much better.

How much of your income do you all target to save, invest, and use for expenses, respectively? I’m currently at 40% investing, 10% saving, 50% expenses but hoping to bring expenses down soon.

A very privileged question, but do any of you expect significant inheritance? And if so, how has that affected your retirement planning?

If I have access to both to buy through Fidelity, any reason to choose IVV vs VOO? Why do you pick one over the other?

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Going from 20yr 3.25% fixed to 15 year fixed mortgage rate of 2.125%, non pints. Is this rate good enough in NYC?

2021 roth ira limit is 7k? Or am I reading it wrong

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

Want to buy a house in bay area? Is this a good time? Thoughts?

Remember how you didn’t buy the dip when Covid started in March 2020 and always regretted it?

Well… chances are that you won’t buy into this dip either. I guess that’s just how we are…

Can someone point me to some material where I can read about profit sharing vs 401k. I get the concept, but I am trying to understand is 10% profit sharing vested over 5 years better than an employee 401k match of 6%?

From my understanding 10% PS is better because it’s just a standard 10% on top of whatever I contribute though it takes 5 years to vest. Does this mean if I leave before 5 years I don’t get any of it?

Amazon stock is down to below 3000. Bought at 3300! Thoughts? I’m sure it will go back up, but when? And by how much? Appreciate any expert guidance!

If you had $200k cash, would you drop in the stock market or buy an investment property?

What stocks are you betting on for 2018?

Combined net take-home £8000/month. Wanting to rent for £2300, with additional £300-400 in bills. Don’t want to buy as I will not be here for too long and fear brexit. Is that stretched?