Is it better to take out a personal loan for credit card debt vs a debt consolidation? I decided to do a personal loan with a bank I already have a mortgage with. I did 16% for three years vs having multiple credit cards with 25% interest. The loan covers two of my four credit cards. But a friend said I could’ve gotten a better deal with debt consolidation bc they have relationships with credit card companies.

Is this a bad rate? 3.375 with 20% down on a condo in central Florida. 780+ credit score

Hello - thinking of starting a small side coaching practice. Could use a bit of help because I've never thought about opening a side hustle but times are tough with two kids in college.

1. What is the best approach to collecting your fee? Each session? Pay the package cost upfront,? Other, and if so, what is it?
2. How do you collect it? Venmo? Credit card?
3. Do you have to register your business?

Thank you in advance for any guidance.

Looking for licensees banker to join chase bank in clearwater area?

How do you make side moneys? Any apps or websites that would allow me to do work online and get paid? Thinking about bookkeeping gigs or something similar.

Looking to sale majority of my holdings in next bear market rally. Does folks who do tech analysis think we have started one from Friday. Want to sale as much before we get another brutal sale-off before mid terms.

Been on Coinbase for a while, wondering if it's worth the pain to go to another exchange for the additional coin diversity

27 F, Indian, Sunni Muslim, In USA from last 6 years. Works at Deloitte.

Open minded, eat halal, non-smoker, non- hijabi. Love to travel. Pray, Fast and give Zakah on regularly.

Willing to relocate anywhere in USA.

How is the wlb at JP Morgan Chase CTO Lob

So if I short a position in my rollover Ira- and buy different stocks. I won’t pay taxes on it?

Just passed $1m net worth and thinking about umbrella insurance. Any recs for carriers/strategy?

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Do you use a tax preparer? How do you find a good one? Do they need to be local?

Should I invest in Tesla or Apple? Looking at least 1+ yr to hold

Hello everyone! Due to visa issues I will transfer from the US to another Bain office and was considering Dubai. How is WLB (amount of hours)? How flexible is the expense policy? Is it actually fun to be there? Thanks in advance!

Any thoughts on the below mix of index funds for a portfolio? Too little? Too much?

VOO
VUG
QQQ
VGT
MGK
VIG

My portfolio is getting HAMMERED this morning. That is all. Clearly I'm not selling but seeing straight reds is painful.

Is it better to get credit at closing or lowering the overall home price?

seller is offering to lower the cost or give credit to fix the flooring

Anyone in Corp Dev M&A? Received verbal offer today and it was a total boner killer that sounds non negotiable. Offer came thru random guy in HR vs hiring mgr/director and seriously considering going around hr cause the guy sounded lazy asf.@

Would like to understand market comp for in office CD roles, 4+yrs m&a experience and 25-40 advisories under belt. It’s an F500. Basically a pay cut of like 60-75% lol, idk if they’re testing me or serious. Edit: Happy to give any additional details.

I am looking into a Product Manager role at M&T Bank. Does anyone know the salary range or can tell me about the work/life balance?

Has anyone ever played Pelican Hills in SoCal?

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

What agency is doing the new Mayham spots for Allstate?

Hello Fishes,

When I initially installed the app on my phone, my first search was to see if there's any bowl dedicated to KM as a profession, and as a result of that, I took the initiative to start the conversation around the KM as a career here on Fishbowl. I request all of you to share your knowledge, thoughts, current roles, advice or anything else, which you think would be beneficial for people here.

I hope we will provide a dedicated channel to us KM professionals to discuss.

Lol you guys get paid that much?💩

Anyone been successful negotiating the price of an apartment recently? Astoria apartment listed for $2k with a broker fee trying to get ~$1950.

Anyone else just absolutely despise Kryterion and their service reps? They are so rude and I just can’t stand it

Lwd is 6th of Jan in IBM. Can we return our laptop via courier ?

Happy Wednesday! I am trying to plan with our AP and climate lead on what we can do in distance learning as a school wide event. I suggested we still host our multicultural club assemblies on zoom for the school. Anyone have experience with zoom assemblies to promote a positive climate in DL? Thanks!

Any good public strategy resources to learn about Gen-Z?

Hello Fishes
Did anyone have meet and greet sessions with CitiusTech folks after receiving an offer? What do they discuss in it? Did anyone have any such sessions before the joining date? TIA!

Hi ladies! I’ve been using the same perfume for 10 years now and looking for a new go-to scent. Im looking for recommendations to try. What are your favorites? A lot of scents give me headaches, so nothing too strong and nothing too floral please. TIA!

Do people working for NonTech succeed in life?? I too am in Nontech

Partner went to bat for me! 🙂
Last night, I got a nastygram from a client who basically wanted to forego due diligence in a major buyout we’re helping him with. “Stop requesting documents and just draft me my docs.” But we literally don’t know who owns what right now, terrible corporate records. This morning, the partner told me he’ll probably fire this client, big pat on the back.

I am looking into the CCP (Certified Compensation Professional). It seems to be quite an expensive exam.

If anyone else is studying, let me know and maybe we can share study materials!

For those who have taken it, are there any cheaper or alternative study materials to any official guides you would recommend? I went this route with the PHR and SHRM-SCP and passed each on the both try, so I wanted to see if that method may be viable here. Any recommended order to take courses in?

Can we use Google for reference in Nagarro coding test?Is webcam on during test?

Decided to payoff my mortgage.

Any suggestions for joint investment account with a significant other?

Is it a bad time to buy a condo in a big city on a conventional mortgage?

Had a great covid rent deal but rent is going back to normal. I want to stay in the location, live in said condo for 1 to 3 or 5 years then move to something bigger (further away from downtown) and rent the condo, eventually for passive income

Should I be reducing my contribution to my 401k at the moment? Based on the drastic 🐻 market?

Thoughts on taking out $60K from my retirement account under the CARES provision (no 10% penalty) to pay off my house? My current interest rate 5.25%

Finished Rich Dad Poor Dad and appreciate the emphasis on creating alternative cash flows (vs. just income). Does anyone have book recommendations on creating wealth? I've focused heavily on income + 'safe' investing, but intrigued to learn more.

Any thoughts on the below mix of index funds for a portfolio? Too little? Too much?

VOO
VUG
QQQ
VGT
MGK
VIG

How to FIRE with kids? No kids for us yet but wife and I do FIRE and we’re wondering if it’s even possible with kids. Just takes longer maybe?

The unending cycle is for real. Reached my LeanFIRE number 2 months ago, yet I don’t feel satisfied. Still reaching for the stars… when will this human desire end?

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///

What percentage of your monthly pay do you invest in the stock market? Complete noob trying to get started with investing. I already max out 401k and have a rainy day find in place.

Can people working side gigs as consultants receive deferred compensation? Or has anyone seen other creative, legal ways that consultants can work now and get paid later? I have a side gig that could end at any time, and I don’t envision it going into 2022. Good problem to have, but the side gig is bumping me into higher tax brackets this year, while next year, I envision I’ll be back to lower brackets, so I was wondering if there’s a way to delay some of this compensation to next year.

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

What do most people invest in for their Roth IRA portfolio? I’ve heard target funds and ETF’s..which one is better?

Landed a contract role at Deloitte via MBO Partners for an audit senior role. MBO is making me a W-2 employee for MBO, but I am getting paid $125/hour plus overtime. Am I missing something here or am I about to be making $5K/week (or more with OT)? Anyone have any experience with MBO or doing contract work like this? Obviously way more than I'd make if I stayed at KPMG for busy season.

Is this portfolio allocation pretty standard for index funds? What am I missing or not considering?

VUG Large Cap Growth - 20%
VOT Mid Cap Growth - 15%
VBK Small Cap Growth - 15%
VTI Total US - 25%
VXUS Total International - 25%

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Saving for a house down payment in the next 20-24 months. Where should I put my savings. Just in a savings account right now. Was thinking about ibonds, but is my timeframe too short?