Looking to open a Roth IRA.. Merrill Edge or Vanguard?
My Roth 401k & employee match will be through Merrill Edge, that’s why that’s the debate.

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)

When leaving a firm on your own terms, what needs to be done? For example, what to do with 401k? File transfers? etc.

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

Renting a car vs buying, which is better in India?

£30k lump sump cash in UK, how to maximise returns within a 15 year time frame tax efficiently assuming liquidity is not required?

What is the best credit card offer these days? Good credit score, a travel spend about 5-6k coming up..

Is anyone planning on trading water futures?

How can i get reimbursement for certifications that i have paid for from my pocket? What is the process and how much time do they take for reimbursement?

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).

Hey there! really need a change in pace from being in higher levels of care, and am wanting to go part-time with my company and private practice, but I want to buy a house in the next year and am worried about finances. Can anyone speak to the hardships or successes or a counseling of practice and/or buying a home shortly after starting one? I feel trapped in my current job because I’m worried the timing isn’t right.

Am I wrong that physicians are the millennial snowflakes of the healthcare industry?

We are trying to change plan. What you’ll think about Aetna EPO, heard it pays 100% for IVF? Currently on BCBS not much benefits if we would want to skip IUI and jump to IVF. Any suggestions here would be helpful. Thank you.

Hi Everyone! Happy Friday! I’m new to Fishbowl. I’m an experienced EA with a diverse background seeking a new role with competitive compensation and benefits. I’m located in South Florida but I’m open to remote, on-site, or a hybrid position. Feel free to reach out and connect!

Do you share details about raises/bonuses/other financial gains with friends or do you keep it to yourself? I have a few friends who will tell me everything from how much money they make to how much their husband spent on them for their bdays to how much their parents make?? To me that feels like bragging/being arrogant. It’s also the way they say it, feels very much like seeking validation to me.

Hi All. Question regarding HDPI (GSC Bangalore). Can someone shed light on the relocation benefits external hires get at GCB 6? Also, are these fixed or can we negotiate on these as well? I'd appreciate an urgent response if possible.

How do y’ll save money on taxes? Other than obvious routes like 401k.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Moving to New York as a new Associate. What neighborhoods should I look at/how much should I expect to spend in rent?

If I applied to BCG in a different country and got rejected from final round - should I still wait to apply within Canada for a cooling off period?

Hi Fishes,
I had 4-5 rounds of interview in Amazon in last 1.5 months, including bar raiser. I got a mail stating I am selected for position within 4 hours of my bar raiser round.
HR asked for a few documents like last 3 months payslips, ECTC etc. It's been 4 working days and that HR is not replying on my mail. It is fine or something is off track ? Any suggestions ?
Does they usually turn back after sending selection mail and asking for documents

Thanks in advance !

I got sleected in Hexaware 21.5lpa+1l as joinjng bonus+1l as retention bonus, TCS 21.5lpa, EY gds18lpa1l as joining bonus. I have 7.5 years of experienceWipro EY Hexaware Technologies . Kindly help me to choose 1 for job security,wlb and good hikes. Is it good to join atos for fedex project.

Hello Fishes,

I have passed the TR and MR rounds at Cognizant. HR is saying they will schedule today but are not sending invites; this has been going on for a week; what does this mean?

What is the band given to people with 13 years of experience in Wipro. And what is the maximum salary range.

What positions would benefit from being fluent in Spanish? Are there positions in an agency that would look for people that are bilingual?

Hey guys can anyone refer me in Airtel having 2 years of experience in QA automation and manual testing.
Im already on notice period,🥺
Please do refer me guys.
Preferred location Pune 💖

Looking to leave my auditing position with only 3 months of experience... I'm in a relatively small firm, and my manager's micromanaging is insane... Want to go into advisory, any advice is welcome.

Starting a new job as a Merchandising Coordinator for a large food/sales company soon… no experience in merchandising, just customer service. Any advice???

I’m 30. My friends’ weddings are piling up and I’m just... still very much single. Feel like it’s acceptable in NYC but also sorta depressing. Dating is hard.

Are there any crunchy hiker folks out here? Would love to talk with y’all!

When is bonus paid out in FIL ? What percentage of your total variable pay can you avail ?

In unit Air conditioner recommendations?
Living in Florida and building ac is down for next 6 months...
Thanks

How much do you make and how many years experience? I’m a senior para at a mid sized firm in Central FL. 10 years experience. I’m making $64k—fair salary?

Has anyone ever had an attorney throw work on them at the last minute?

Looking for a specific Scott Galloway email/post:
Does anyone know the mercy/malice post with the image "when to respond to an email....now/never"
I believe it was in an image of text and not written in the paragraphs. Can anyone point me to this? Thanks.

Realized some gains from a trade and I have 5k to move. I’m looking at TGT or WMT as an alternative play to AMZN. I’m looking to start a long position 3-5 year hold/add and reap some dividend reinvestment. Any opinion of which one to go with?

Such a Boring session today! 30 mins left. Any drama big movers?

Has anyone used fundrise? What are your thoughts? Is it worth checking out?

Any recommendation for a good mortgage lenders? Planning to refinance my home loan, for 15 years period. Heard that interest rate has is down to 3.5%. Currently I am paying 4.375% fixed for 30 years.

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.

How much cash do you hold on a savings account? If not a savings account then where do you hold your cash?

How do you guys manage your personal finance or budget?

Looking to invest money with a Schwab brokerage to save for a down payment on a home. What ETFs should I invest in?

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

Can’t find the bowl for this but quick question -
What are some credit cards like the Apple Card that don’t have any physical numbers on them?

I like the Apple Card and considering opening one but want to see if there are better alternatives. It’s enticing that if I lose my card, I can instantly change the number so someone can’t use it. Plus no numbers means someone can’t randomly make a large fraudulent purchase.

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

HYSA anyone recommends?

For my marriot members. Which cc do yall have for marriot?

Anyone else long on AMT?

Who’s buying the dip today?!

After I max out my:

1.) 401k for the year
2.) My HSA for the year
3.) ROTH IRA for the year

What do people invest in after that? Whats the most tax advantaged way to save once you have maxed all of the above out?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

What finance podcast/show/guru do you prefer? Do you have go to finance books you recommend?