Just got married and me and my wife have several of the same credit cards. We obviously don’t want to both be paying annual fees for the same cards. Is there a way to consolidate these where we don’t get our credit dinged for closing out the cards?

Don’t mix Investment and Insurance.
Buy term insurance in your early age.
Invest mix mode equity and debt .
Ping me for invest and insurance help.
Also get discount price for insurance

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

I’m leaving my job soon but I’m wondering if I should be truthful when I hand in my letter of resignation. There’s a ton of reasons but it boils down to: I’m worth more than they can pay me and I need to pay off these student loans. What should I say?

For couples who are not married yet - Do you guys talk about net worth, income, or anything even finance related? I know my SO earns more given his current industry, but thinks it’s rude to talk about those things. But I’m wondering… isn’t it normal for couples who live together or are married share those info? For example - How am I going to know what to pay for our child’s education in the future etc?

How do you recalculate NAV if ownership percentage times the capital balance per the audited financial statement is leading to a variance

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

Hi All,

Can anyone let me know the premium per month for group term life insurance policy by lti.
As this premium will be deducted from our salary so can we add this deduction under tax exemption or not ?

PS : I am a new joinee and filling form B for projected investment, please let me know anyone.

I need some expert advice. I have 40k in 401k and 40k cash in savings account. I moved all 401k to a very low return safe portfolio in July and basically I haven't done anything with the cash as well.

Starting to feel like I am missing out on returns and now is the time to put everything back into the market. Does anyone know reliable financial advisors that will do it for me and also account for the independence related restrictions.

Other suggestions/tools appreciated as well.

Do you find it surprising that more people don't invest in cryptocurrencies ? Especially in the consulting industry

Bought some ETH on Coinbase and don’t see the transaction at all , no email either ...what’s the deal?

Hi IBM sharks,
My friend received bluepoints, what's the conversion rate to rupees? Can we redeem it as cash components?@ IBM

These paychecks aren't cutting it. Side hustle ideas?

Hey beautiful people,
I’m 27Y and work in tech. Unfortunately my carpal tunnel is getting worst slowly. I’m worry that I still have like 45 years more to be retired and can’t stop working because I have a f* mortgage to pay 😭 I have a super ergonomic workstation, but I know my hand needs a long rest, and I can’t do it… Does anyone relate? What do you recommend?

What's a fair share of taxes? In my view, ideally 0. But curious to hear what people here think.

I’m planning to pull 5k profit and forethought to invest on 5 or more meme coins, each of around1k..Is it good idea ? if yes what should be those 5 or more MEME’s.. TYIA !!

Sub dollar coins that are going to absolutely pop in the next year or two?

I'm going to Machu Picchu next month with my brother and hiking the Inca trail. Any recommendations on what I absolutely need to bring for the hike? Anyone who hiked the Inca trail take like a battery pack or something with them for their camera?

Also, I'm considering bringing my drone even tho I know I can't take it into any of the sacred places like Machu picchu. I also have to register it with customs when I get into the country. Is it still worth taking? I can use it around Cusco and Lima

SO excited about the new iPhone 14! I currently own an 11 Pro Max and never really upgraded because this one was still fine, but I feel like I want something newer. Has anyone purchased the 14 yet?

Anyone else having Destiny 2 issues?

I decided to jump back in after a few months hiatus because of the free expansion week. My main character has gear 1350-1400 but my light level is listing at 1216 and every activity I do the enemies are “!!” level so I get destroyed. Meanwhile my old character I haven’t played in years has the minimum 1350 light level like it’s supposed to. Has this happened to anyone else?

What states have a big law market where I can get the most out of my dollar? Also currently work for CA firm, if I move to another state does the state tax rate switch to where I live?

Any EY PPMD 🐠 willing to chat/connect? Interested in learning more about the cyber practice. I’m a new campus hire in the Hoboken office. Thanks in advance!

Anyone have insight into GMs Corp Dev team? Was reached out to by a recruiter there. Cheers all!

Hi fishes,

1)What is the Hike process in BNY Mellon?
2)When we expect Variable pay bonus to be paid and how much % BNY is paying on yearly basis?
3)What is the Financial cycle for BNY Mellon?

20 lpa for 3yoe capgemini is it safe ?

I got a job offer but it's 3k less than the low end of my happy range. But there will be a review in 6 months with the potential for a raise. I'd rather start at the low end of range. What is the best way to ask for that??

Why is it some companies make you reapply to a role when you’re towards the end of the interview process?

Has anyone successfully sold your gently used clothing for cash on the spot anywhere in Chicagoland? If yes, where? Have a lot of nice stuff that I’m bored of but Poshmark takes too much effort for me and I find consignment stores usually take months until anything sells and then getting your money is a pain. So looking for instant cash. TIA

Does anyone work for Children’s medical center of Dallas on this form ? I know we recently had a “employee appreciation” bonus last month before Thanksgiving but not sure if that counts as one whole holiday bonus including Christmas , or it it’s safe to expect another in mid December ? What seems to be the latter in the past ? Any thoughts are appreciated !

When folks at work use their kids as an excuse to go home early, miss deadlines, not come in, you name it...while you're expected to work 24/7 to get shit done.... 💥🌚😠

Anyone here recommend a good laser hair removal device safe for your face? I used to go in every few months to get laser treatments but now looking to do it at home

Any Accounting firms that are still remote? Dreading busy season travel

Anyone listened to A Model Family (Netflix) soundtrack. Wellerman it’s awesome 👌

Planning to visit Bali on May 2020. I have a wife and 2 toddlers (4, 1) tagging along. TPG recommends the Le Meridien. Any other recommendations for family-friendly Marriott properties?

Found a bed bug in a Radisson Red in Campinas Brazil, how many points?

Have the Amex plat and CSR, any reason to keep the SPG card? Amex hasn’t given me any offers to lower my $95 fee

Looking for a resort to use points at for a girls getaway. Limitation is no zika places so pretty much continental US or Bahamas. TIA!

Staying at a Hilton currently and have had tons of minor issues in the 3 days We’ve been here. Room wasn’t ready for 45min after check in time, AC did not work, maids did not clean room...continued

Why does Newark close tsa pre lanes? Terrible

Offer unlocked: Now complete six stays to earn 15,000 additional bonus. Cont..

Bathroom smells of cig smoke and they can’t transfer me to another room till tomorrow. How many points?

Will have a night in Houston for work. Never been to the city before. Any tips on best SPG/Marriott property down there?

Anyone who can share their experience flying Air China?

It says on Bonvoy breakfast voucher that gratitude is included. Somehow they always expect additional cash tips?

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

Would you rather have 5x amex MR points or 3x chase UR points for each dollar spent on flights? Why? Company let's me book flights on personal cards and trying to decide which to choose.

My DashPass via my CSP is expiring at end of the month. Does anyone know if I can get another year of it by adding another eligible Chase card on the same account??

How does one use 500 Mile Upgrades on AA In the most effective manner?

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Is there a United status challenge?

Which award did you pick when you hit 50 nights in SPG and why?

1 night free
10 upgrade nights
5 Elite Qualifying Nights

Heads up: Hilton is giving triple points during July if you use their credit card for booking. Good opportunity to make up to 54 points per $1. Time to stack up those points! Happy monday! :D