Is it worth it to get the Amex platinum for the points if you already have csr? Have some big spend items coming up so will meet the spend minimum but hard to stomach paying $1200 total in annualfees.

Hi there. Has anyone here invested in a manual car wash? If so, how profitable is it realistically and also what to look for when buying one? Thanks in advance:)

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?

Does anyone ever redeem Marriott points for gift cards? Is it worth it?

Looking to buy a studio in NYC (~600k). How low should I go below asking price when making an offer (especially given that the price went down 5% two months ago)? I’m thinking 15% below asking. Location is okay, no view, and a month to month renter in place. Thoughts?

How do I make millions?

Can I pay income tax challan using credit card?

Hi Fishes,

I have worked as a contingent employee in JPMC in one of their project.
After how many days can I apply for a permanent role with them ?JPMorgan Chase

Hi guys, a plea for help here 🙏🏻 have any founders here gotten an O-1 visa or an H1B transfer into their startup? Would greatly appreciate hearing your advice / experience over DM

Hi Fishes, I got an offer of 6400 PLN gross from a bank in Warsaw, Poland. So should I accept it or not. I am a single person so will i be able to survive and save some money with this salary or not???

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Looking for some advice as I am considering relocating to US. How difficult is for HR professionals to get a work visa? I think from what I read I qualify under eb3 (no master yet) or h1b. How do for do about looking for positions that sponsor your visa? I'm in the defense sector and have previously healthcare and financial services experience. Also worked in global matrix organisations with US teams so know the culture quite well. Any help is greatly appreciated.

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

Planning buy Audi Q7. Dealer says there are no rebates and offering the car at MSRP. I know we can get it for much lesser. Any tips about negotiating?

Looking for Best realtor deals available in Atlanta. I wish to sell a property but feel 6% is too high for commission. Pls share best deals you were able to get from a realtor

First in my family to go to college, parent is abusive so I have no safety net & had no help. Worked full time all through college & still graduated with 30k in debt. I’ve been paying really aggressively on my private loans since the federal pause and I checked today and I now only owe 2800 in private. Pretty sure I owe 11k in fed & I qualify for the 10k. Honestly trying not to cry from sheer relief.

Is it legal to collect the rent in a separate LLC even though rental property is not owned by the same LLC?

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

Best website or realtor o company or way to find and buy a condo in NYC(Queens, Bronx or Manhattan), 2-3 bedroom.

Anyone knows if Singapore trash collection separates waste into recyclables ? If not, how can we do it ourselves in sg?
I live in a condo FYI.

Anyone from Deloitte SCNO here ?

150K in Singapore, and $150K in Chicago. Which one would you accept?

Hey all! Any openings in your company for copywriting/copy strategist role?

Hi I can't DM . Need 11likes thanks in advance.

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

I’m currently at a boutique agency where it’s just me and my boss doing RM for about 200+ people. I have been there for almost a year and have implemented some new processes that are starting to help streamline the process. I currently make $85K. Is this an appropriate salary for my level? I am being approached for RM roles at consulting firms and other agencies. I like the idea of building something here but would also like better benefits (more vacation, better mat leave).

Looking to enhance knowledge of back-end rev cycle functions, best practices, benchmarks, etc. What are some good books to read for this?

Anyone exited to be a music producer? Wanna pursue but unsure if reality will hit me in the face

Anyone have any friends who successfully pivoted out of advertising? I know a handful of people who are half-trying to, but I can’t think of anyone who has made a clean break, on their own terms, into something that appears to be making them feel more fulfilled than they were in the ad biz. So they continue freelancing in order to make a living, while not gaining much traction elsewhere.

Would you suggest someone pursuing an MBA if they want to get a role in HR or Project Management? And for those that want to pursue product management... are there still a decent amount of numbers similar to accounting? Thanks

I jad an interview on 2nd August, 2022 and on 17th August, 2022. I received an email stating that interviewer is moving up your profile and contact a person email id for further information.
Since that day I haven't heard anything from the HR. I had called HR several times but no response from calls as well as mails too.
Anyone also faced this situation?
Please suggest me what to do as I have my last day in existing company nearby in 20 days

Going to the Atlanta Braves game tomorrow. I see there's a ton of shopping centers right next to the park, can I just park there and walk over to the stadium? Wondering what the natives do

I worked my butts off as a senior engineer for the past 4 years and my salary compensation barely changed, even when my picture was on the wall consistently as one of the best performers. Hunted for jobs like a mad man, got an offer with a 200% hike.

If you're underpaid, always look for a switch.

Hello Fishes,
Just wanted to check a few things (for morgan Stanley Bangalore office):
* Have you guys started returning to the office (both IT and non-IT) ?
* Also are you still getting door to door pick-drop cab facility...?
* Last one (this one is a bit stupid😅), do they serve free meal in cafeteria ...?

Thanks

Reading Untamed by Glennon Doyle and I want my own Abby!!! Sigh.....

Is giving birth w/o the epidural really that crazy of a concept? People laugh at me when I say its very feasible...

With rates going up, is now a good time to start a CD ladder?

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

How do you boost your credit score within a couple of weeks? Very small increase needed.

Has anyone invested in any of the startup companies on Start Engine? Thinking by about investing in a few.

Better to Airbnb out a rental or find a 12month lease tenant?

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

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…

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

I have a 401k and money in index funds, what would be the benefits of also having a Roth IRA?

I’d like some independent views please, on a financial decision my wife and I are about to make. We’re looking to buy our first/dream home and the property is valued at $1.25m. We have savings of $250k and our HHI is c$350k, with no debt. We will probably exhaust our savings on the deposit and closing costs. A $1m with mortgage at 6% with property taxes is c$8k/month. We net about $14k, we think it’s just about manageable, however keen to get your views please? More context in comment below.

If I pay off a HELOC balance in full, is there a chance my lender will close the credit line? I want to pay off my debt (which is subject to a variable interest rate and thus is becoming more expensive to service) with free cash, but I don’t want to lose access to the credit facility.

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?

Is sending kids to private school worth it? Talking about 25k-30k per year. Living inside city where public school are average. Thinking of sending kid to international school with bilingual program (family speaks multiple languages)…. The money adds up a lot over a lifetime. Especially if we have more than 1 kid.

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

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

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

Would you cash out refi a rental property to buy another rental property?

When to sell at a loss?

I’m 26 and have a fair chunk of my NW tied to Cloudflare - a tech stock that I believe has the opportunity to 3x and become a $100b+ company over the long term. Similarly, I have a lot in cloud computing etf - WCLD.

Given short term rotation out of growth stocks, I’m confused on what to do. I think we still have some time before growth stocks bottom out, but do I sell?

I would consider myself a “long only” investor, but am unsure what to do given my lack of diversif

What are the best investment books or authors for beginners? What are the best podcasts, YouTube channels or bloggers to follow? What are your favorite stock trading platforms? And if you finally have six figures cash ready to invest, what's the best place to start? Which broker / financial advisor would you recommend? This is only for 3-5 years to ultimately buy a decent home for my family.

I'm clearly a dummy so any help is greatly appreciated.