In case one of you wanted a chase sapphire card for summer travel

https://www.referyourchasecard.com/19m/LJNZ09SBSZ

Let's say I were to leave banking and get into crypto currencies (not considering this at all ahem). Does anyone of any crypto currency hedgefunds or trading platforms worth investigating?

How long do you guys think it will take for rental prices to rebound?

Looking for a new apt, and noticed 24 month leases cost more net effective (obviously because prices should increase next year).

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

Anyone taking advantage of the flight deals from corona virus for summer?

Trying to open an account on TreasuryDirect to buy i bonds, and I am required to get an authorized certifying officer to sign a form to complete the process to open an account. Anyone know what that is? I went to my bank and asked, they don’t think they can sign it 🧐

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Recommendations for an Alps ski resort between Zurich and Munich by car (Switz, Austria, Germany)? There are so many but looking for a developed village with lodging options and good lifts. Any faves?

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Who's shorting crypto?

I need help from an accountant or a financial analyst. I need to compare fed vs private company retirement and help me create a retirement plan. I will pay for the services. Thank you

I've heard from multiple people about how inflated the assets are and high the P/E ratio is, hence not a good time to invest in the market. Long term investors, how do you deal with this argument? P.s. I understand the time in the market>time the market.

Has anyone in nyc been to LM Medical for Botox? In Greenwich village

Anyone have recommendations for tents and sleeping bags that can fit as carryons on flights?

Every moment I’m away makes me realize how fragile the reasons I stay in the city. How can the city survive the urban flight? Will you stay and why? (I’m staying as long as I can)

Has anyone ever flown Silver Airways? Reviews I’ve seen look horrible but the regional route I’m looking into has limited direct options.

Is it worth it to buy a multi-family home to rent out?

Question for anyone who may be able to answer.

We are looking to file something like an injunction injunction to stop a property sale. The property is owned by a sister and brother. Brother is deceased so it passed down to his children. The heirs bad no idea the aunt is trying to sell. Can we file some type of injunction?

Agency Idea: The Ginger Group. Redheads only. You should see our Diversity and Inclusion page!

What’s the difference between light and hard?
Eventually you can get to sleep with a light on....

Came from a tax background considering making a switch to consulting/advisory. What is consulting work life like at KPMG?

Hello fishes,
I received my oracle offer letter. I have doubt.. is it compulsory to be in office on 1st day of orientation.
Does oracle do not provide option of virtual onboarding ?

Sapient has offered 33.5 as CTC which includes 5% variable , work experience is 7.5 years at SA L2 level . Is this the good offer as per sapient range ?

Recommendations on how to switch of out advertising? I’m so over media strategy and want to switch into something different. I’ve toyed with UX strategy or design but would also be happy with doing something in marketing that I actually care about and have fun.

I hate change management and technology implementation work. I have a background in IO/HR and data (~8 years) , as well as a masters degree - what type of related roles or areas can I switch into?

Interview tips for Wealth Management Senior Consultant?

Torn between two offers-
Citi IA (MRA Validation - Risk) or Morgan Stanley IA

If base comp is equal, which one would you choose?

See the George Floyd trial verdict will be announced in the next hour.

How are you counseling clients around this? Or, are you not counseling clients on this?

Curious to hear from the bowl.

Has anyone done a collab with influencer MIKIRAI? I know she’s a big deal but i’m trying to figure out if she’s worth the money, our agency just had a bad experience with an influencer and the client is not happy. We need to make a comeback! All insights are appreciated.

Fishes, any suggestions as to how to move into the VC role with a non-finance background (PS - exp. of working in founders office of a startup, management consulting in past and do understand corp. finance, financial statement analysis etc.)

I’m seriously contemplating taking a software development boot camp. For those who hire new software developers, does it make you stand out if you get your certificate from a university instead of a coding academy (like coding dojo or something)? I noticed the universities are a bit more expensive but is it worth the price to have a university on your resume or does it not really matter?

Hi Everyone,

I am working with a startup as a Business Development Manager and currently based in Delhi.

I am looking forward to make a transition from the Sales/BD role to Product Management roles. Also doing a certification from Institute of Product Leadership for a smooth transition. Can anyone help me with this.

YOE in sales& BD ~ 6 years

Where do you buy vintage watches?

Happy Sunday fishes

Please anyone guide how to switch to Consulting and Strategy roles in big 4, Accenture consulting etc. I'm currently working as a consultant with 1.5 yoe after mba (total 3.5).

Any strategies/interview preparation suggestions from all the consulting fishes here 🙂 Deloitte USI Deloitte India EY KPMG PwC India Accenture India

If you do billable work on a given PTO/vacation day, do you still count that day as vacation? Or do you get that vacation day "back"? Or do you only get the part that you billed "back"? (Or some other option.)

So I had 3 deals scheduled to either close end of May or mid June which were all pushed to end of June/beginning of July. Which is when I have my first vacation planned for over a year (I take 0 time off). My whole family is flying up and we’re renting a cabin near me. What do I do? I’m running one of the deals, semi running the other one and not doing much leading on the other one. Note: I was supposed to not be running any of these. Do I find a back up first or tell the partners first?

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?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Thoughts on personal loans to consolidate Debt?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Anyone ever use a credit repair service and have success?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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.

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

In your opinion which is the best target fund to choose in IRA Roth?