Looking to apply for the Amex Gold this week! Does anyone have a referral they’re willing to provide as I believe the current referral bonus is higher than that of the online offer of 60k pts. Also, do people recommend saving $100 but getting less pts by doing the corporate card discount or is it better to use the referral to maximize points? Is there anyway to use a referral and stack the corporate card discount on the fee?

Just heard FY23 partners at PwC are getting only 40 shares vs.60 last year. Looks like new partners are being shown the middle finger by Tim Ryan in favor of increasing stock price and getting more catalyst hires. Sucks!!

For those with corporate banking expertise, how do you typically go about calculating debt capacity for a company?

How do you earn $500k and still feel average?

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

“Don’t worry about the budget. If we like the idea, we’ll find the money.”

Has anybody ever found that money?

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.

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

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?

I have been DCAing over the last few months on binance and then moving the tokens to my Celsius wallet.

It has become really difficult to keep track of the actual cost of the tokens and profit/loss.

Any software or app recommendations, I am almost inclined to start an excel spreadsheet to keep track now

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Trading Event Sponsorship for Party Rentals! Hey everyone - as a nonprofit we are having an upcoming event and having sponsors for it. We don’t have a huge budget so we are looking to ‘trade’ these sponsorships for table/chair rentals. Since we are a nonprofit are we able to give them the deduction value to claim on their taxes?

Any of you using TikTok to display your properties? I see it's working for some realtors and I am tempted to try.

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)

Looks for advice on how to stop spending so much money. I like really nice things and spend a lot of money to get them (food, clothes, furniture, apartment, gifts, etc.) I use everything I buy...

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

Thoughts on MMC as an agency?

What do senior associates in Chicago make?

I felt like a walking zombie during thanksgiving, barely eating and barely talking. My family is small and I told them ahead of time my relationship ended. I focused on my niece and nephews, cried when I wanted to and slept from 8pm-noon for the last 5 days. Showered once or twice. That’s the best I could do and that’s OK right now. I’m back in my apartment, just trying to take it one day at a time, and not re read his texts too much. My birthday is Thursday 🙄

Planning a girls trip to Costa Rica and wanted to receive any suggestions for adult only, all-inclusive locations.

Anybody know how the in house agency for Keurig Dr Pepper is? I believe it’s called liquid sunshine.

Anyone ever heard of Exabeam ? Thoughts on company , culture, work? Principal security consultant. Thanks!!

Which agencies/companies have gone fully remote for EA’s?

could someone refer in cts kolkata for informatica powercenter lwd 22nd apr

My company is looking for a content management systems that will help manage blog creation, and can be used to assign and monitor progress of completion for blogs. Does anyone have any suggestions?

Any Vancouver folks here? I can plan a meet up!

anyone get their stimulus checks yet?

Has anyone had their LCA location updated so they can work from a different remote work location than their home office city? Did your firm take care of the process for you?

Hi 🐠, question on CFA / CAIA- are either worth pursuing if you want to “up” your professional bonafides? I don’t come from a background in finance, but work primarily w/ PEGs like so many of us.

AirPods or Bose QC35?

Which city would you recommend for single men in late 20s trying to find good opportunities in career & dating? Leaning more towards to NYC but not planning to live in Manhattan due to the high rent so I am not sure that would be okay. Also don't want to drive that much.

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.

Are spg and spg points eventually going to get phased out due to merger?

JAL or Cathay for premium economy US to Asia (Both 777s)

Traveling for a wedding this summer and the only SPG location is only available for 1 of 2 nights. Only other good hotel is a Hilton but have no status. How bad is Hilton with not status?

Anyone know the cheapest way to subscribe to WSJ? You could redeem airlines miles in the past for a subscription but they stopped that a while ago I think. Thanks in advance!

Used miles to upgrade from economy to business on United. Was confirmed for the upgrade then just got downgraded back to economy and now there aren’t seats left

United GPU question - if I have GPUs that expire on 1/1/2020, is the expiration the fly day or the booking date? Can I apply them to a flight that takes off after 1/1/2020 as...

Planning on opening a Bonvoy boundless chase cc for the 75,000 points and have heard the first year is free. Is that right? If it is, do I still get the 75k? Are the 75k Chase points or Bonvoy points?

Does Centurion Lounge access justify the Amex Platinum fee? 80% of foreseeable travel will be through IAH, DFW, and LAS.

Hi fellow fish need some advice.

I'm planning a wedding and wondering if I should apply for new credit cards to maximize on points. If so, wondering what your recommendations are and or if there are new cards out there I haven't heard of yet. For context I probably have another 20k+ in expenses to pay still and my current cards are:

CSP
Marriott Bonvoy Boundless
Citi double cash
Random card (used to be uber)

Flying United from US to Europe in economy as a silver elite. Am I eligible for a premium plus or Polaris upgrade?

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.

Booked UA biz, PHI-ORD. Delayed and re-routed PHI-IAD-ORD in economy (but still on original ticket). Will PQMs be based on the actual/longer routing at 200% fare class bonus?

Diamond medallion on Delta. They lost my bags on the outbound (3 with my wife who is Plat) and inbound flights (1) on a trip to Europe. How many points should I expect? Any advice to deal with this?

Friend asked to buy my SPG/marriott points. How would that work hypothetically? $0.027/SPG , $0.009/Marriott? (According to Points guy) & transfer to their account?

Incoming BA - any advice/links on the math for the best credit card for personal use?

What’s the best way to make the most out of 55k united miles. The miles to gift card conversion only gives me $380

Chase Freedom vs Freedom Unlimited for everyday spend?
Plan to transfer points to my CSR.
Non traveling consultant

Why are so many moving from CSR to CSP. I get that the fee is significantly higher for the former, but how are benefits better for the latter?

Buying a Cathay Pacific Economy flight, am AA Platinum, can I use AA miles to upgrade my CX flight?