I'm reading about consolidation for people that have multiple federal loans over different time periods. I have one undergrad loan that entered repayment in 1999. It's about $2,000. I have another $180,000 in loans, about half undergrad (240 month forgiveness), half grad (300 month forgiveness) some variable rate, some fixed rate, call the average 6-7%.

Am I understanding correctly that ALL my loans will get a payment count adjustment to 1999 if I consolidate?!

What’s your end game for crypto?

Thought this was a bitcoin bowl? Smh.

Trying to buy a house and the home inspection identified termites - seller said it was taken care of during gut renovation prior to them moving in? They’ve done inspection every year and no active termites. Is this house still worth it? Aside from this, it’s a dream home 😥

I finally created and set up contributions to a 401k account 🙏 whew! Now just need to watch it rain

I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

Hi new to dfw area looking to buy a house. How’s the commute downtown from Frisco/McKinney area?

I just hit my lean fire number but am hesitating to pull the trigger, so was hoping to run it by people smarter than me:

- I have a few rentals that bring in ~$1800/mo cash flow, taxes are negligible, Capex incl.
- My paper assets will bring in ~$1200/mo at 3% draw
- I get free Healthcare at the VA
- No plans on kids
- My expenses haven't topped $30k/yr ever
- I could always reenter the workforce if needed (albeit probably not in consulting)

Please point out the flaws here, what am I missing?

Los Angeles, ACD (art), 34, $150k

There are advisors who present themselves as a financial planner first and investment manager second. Which one are you?

My son made 11k on Doge but it is a joke coin. Put some money into SHIBA another joke coin. I knew all the cryptos would come back after the big fall. It was an opportunity to buy. Polygon has held up through all this because of the news from Deutche Bank. Look at the real cryptos. Bought these.

If we thought about it back in March, we probably could’ve predicted which companies would do well, like Zoom, Amazon, Instacart, etc. And invested accordingly. Anyone have any thoughts for forecasting the next few months? Opportunities to take advantage of?

Hi. We are a young couple new to Austin. We are currently living in Domain and looking to get a house (ideally a townhouse). What could be some good areas to check out considering we want to be closer to center and want to be around a young happening community.

Okay guys give me a list of things to lower my taxable income. Make yearly with wife 200k.

Do you have a prenup? What does it involve?

FL tax questions: 1.) last year I had 4 longer w2 gigs. Should I get tax preparer or do myself? Seems easy enough but im new to this so 🤷🏻‍♀️. 2.) do you write-off travel/lodging for out of city gigs?

Which bank account is better for salary account?

HDFC
Axis

Any tips on how to use up gift cards with <$3 on them? I know some stores won’t accept as a payment method. Don’t live in a state that lets you cash out under a certain amount.

Any stores / websites you’ve had luck with? Hate to throw out free money, even if it’s a few bucks

Anybody got any fire penny stock plays? IDEX is mine, but I’m looking for more!

Anyone else into Bank Bonus churning?

Have agencies started looking for spring interns yet?
Looking for art direction intern opportunities in New York

Fish who have been feds,

I have been stuck deciding between two offers (both in IC, but one is more program analysis -similar to consulting work but on the fed side, and actual analysis).

The program analysis offer is at a higher GS level and a more well known agency, but is not what I’m interested in.

Does anyone have any advice on how to make a decision? Go with what I want to do, or go with the more well known agency and higher gs?

Is there any probation period in mindtree? In the offer letter it is not mentioned. How is the culture and wlb and job security in mindtree. Mindtree folks please suggest🙏

Fellow Republicans, it's clear that these elections are rigged. I propose we boycott the midterms until the Republicans get strong on election security!

People whose spouses work in time consuming jobs like doctors and lawyers how the eff do you tend to your home life? My kitchen looks like an animal attacked it.

Retail, Social, Pharma. Fuck, Marry, Kill....

Anyone have feedback on in house attorney positions with Mercury Insurance?

Does anyone know if AWS does a Cost of Living adjustment? I’m potentially going to start remote in Florida and I want to know if when they move me to Arlington (after covid) if they would adjust my salary, the people I’ve talked to in the process didn’t give me a clear answer.

Should U have a separate employee/contractor privacy policy for each country and region you are in ? Or just have one and an addendum for each specific country or region. I’m at a late stage startup.

Interested in everyone’s opinions on replica luxury. I ask because, as noted in the previous thread re: Chanel’s price increases, the quality of authentic luxury bags is going way down while the price increases consistently. Specifically Chanel and LV. I’m fascinated in the online rep community and it looks like rep quality has increased exponentially (with genuine materials and 1:1 markings, stitching, hardware, etc). What’s your argument for or against replicas?

Have any of you enrolled in or completed the Penn MCIT program and be willing to chat about your experience?

For those of you taking Nutrafol, do you also add in collagen supplements to your routine or has the Nutrafol been helpful in itself? Thanks!

Do you feel it’s appropriate for a non-Latinx/Hispanic Producer to ideate or create a Spanish US/Domestic ad for the Latinx audience?
(ie Spanish spot running on Univison for Walmart) **Not referring to LATAM ads**

I have an LL&D Manager interview coming up - any tips?!

Huge openings for experienced PPL in coforge for below position :
1. Scrum Master
2. Business Analyst
3. Java Full Stack developer
4. Java Mirco service developer
5. Java backend developer
6. Service Now developer
7. Devops
8. AWS Specialist & Analyst

Feel free to DM for referrals

Can anyone share a salary range for a non-attorney with a JD and 1 YOE handling incident response and contract negotiations?

Hi Fishes,

How is KPMG digital lighthouse in terms of WLB and career growth? What are the perks of joining KPMG India?

Please give some advice as I have an offer from PWC India as well.

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

If you didn't have to pay off any more of your student loans what would you use the money for instead? I'm stuck between something impractical like a trip somewhere or something I need like a new car lol

Does having student loans impact your ability to get a mortgage?

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

If you could go back in time what would you tell yourself before taking out student loans?

In a perfect world how much would you want to make a year to both pay off your loans and live a good life? I think I'd need to make upwards of $200k to pay off my loans, take care of my family and live a fulfilling life.

Has anyone refinanced their student loans on h1b visa? Is common bond the only option?

I have a 25K loan from my MBA. I paid off 100k whole, after graduation. 3 years ago, I moved my loan from federal to private ( SOFI) account. I recently lost my job. I have applied for unemployment, as the severance that I received will only cover for 2 months. Together my husband and I used to make less than 250k after tax. Now, with a loss of pay , we are going to make less. Do you think I will be eligible for Loan forgiveness?

SOFI or who else?