My parents have very poor credit scores (<600). What’s a quick way to get this up? They recently paid back all debt but only have one credit card. Outside of paying back on time, should they open a new account to increase credit line / lower % of credit used? What options are best to quickly improve credit scores

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

How can I learn about investing in crypto? KISS please

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

Hi all,
Q1: Are there many onsite opportunities at EY GDS?
Q2: If yes, how is the travel policy? Basically how company supports international travel of employees?
@EY

Can someone throw some light on how wallet balance works in Zoho Zoho Corp . Couldn't reach any HR for the info?

Can you please share the age of your kid(s) and how much you’ve accumulated in their 529s to date?

Best cash back card to use in conjunction with CSR? Thinking about freedom unlimited (1.5%) but not sure if other cards are worth it. Don’t spend enough on groceries for the blue

Hello Everyone, i am working as a contractor with ZS and now i wanted to come to zs office. Will ZS reimburse all my expenses including travel and stay for a month.

This is for Amex folks.
How good is Program management role as compared to Product owner role? I have an opportunity to pick either of the two. Your thoughts?
a. In terms of growth in Amex ? (Currently I’m Band 30, asst manager )
b. In terms of exit opportunities down the line

How did you get into real estate?

Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Anyone holding Hyln for long term ? What did you buy it for and what is your price target ?

How much money have you invested in crypto currently? I’ll start - $5000 currently

Anyone ever have experience negotiating a new offer to include unvested 401k match and stock grants from your current employer? I hate leaving money on the table but there are some good roles out there. I’m not fully vested in my current 401k yet and my stock grants haven’t matured yet either. This would be at a global director level.

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Visa question here. If I (American citizen) get a visa sponsored by my company, does my wife (American citizen) need to get sponsored on her own in order to work as well?

My goal is to save 300k by end of 3rd year. HCOL. Do you think I can do it? Or maybe 5th year?

After how many years of joining American express I can go for IJP?

Hi Fishes, How long does it take to finish the BGV at Amex? Do they call or email for any information? My DOJ is next week and has heard nothing from them yet.

Please suggest what to do.

What is the process involved in Onboarding? Have not received a laptop either.

@American Express

Hi all
I m laid off from publicis sapient. Currently looking out for a job in Data Engg Gcp cloud currently serving notice period.
Please help me to refer.
Immediate joiner

Just gamed with some guys (freshmen and sophmore). I am almost 30 and they remind me of those old days. Miss those fun and young friendships. All my friends married and have kids now.

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

Locums-are you flying or driving to assignments? If flying, how are you dealing with flight changes?

Thoughts on a workday cert and career in change management for workday?

Many bags about to be held

Hi ,

Does anybody have an idea on how's the interview for Azure Migration role in Bosch India

What are the best product based companies in Hyderabad for testing roles?

4YOE

Could someone please explain the creative hierarchy in pharma? In general market the roles are normally: JR CW, CW, SR CW, ACD, CD, GCD, ECD. How are creative supervisor roles the same/different? Thx!

Can Virtusa revise the offer letter after accepting as well?

How many leaves are there in virtusa in a year

Do you tip all of your front desk staff the same amount for the holidays? Or… pick favorites?

Is B school a good idea as a software engineer?

Any Fujitsu data science folks here?
I want to know how’s the data science team at Fujitsu pune - projects, wlb, learning?

Got to interview a candidate for Mid senior role... candidate has listed exactly 53 projects on his resume in last 5 year.. kind of shocked to see someone would write each and every ..small and large projects.. 14 YOE .9 page resume ..😭

Hi,

I'm appearing for sde2 interviews this week. Any help would be much appreciated!

What's the interview pattern?
Did anyone give the interview recently and can post their questions here?
Any tips on improving DS stat?

Anyone know of any work from home pharmacy jobs?

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.

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

I think living a frugal life and aiming to retire early makes a lot of sense.

Recently, some of my family members are diagnosed with a rare diseases. When you look at the statistics, these are so many of these ‘rare’ conditions and cumulatively they are not rare.

These family members conditions made me reevaluate how I want to spend my life. I am 35 this year and I can’t decide if I should take great vacations with my kids or keep living a frugal life. Do you have the same dilemma?

Balanced portfolio: hows’s your stock: bond ratio? Within stock , which index funds do you invest ? I have mostly invested in vtsax and vigax, and tiny percentage in vviax. Do I need to increase in vviax?

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

Should I continue to live at my parents house in the Midwest as things start to open back up or move back to my assigned office city on the east coast? I’ve been saving a lot of money, but I don’t have any friends out here in suburbia. I’m only 25, no student loans, and kind of want to live the city life and make some friends, but I’m hesitant because this high savings rate is really nice and my project at work would be remote even without covid, so I don’t HAVE to move out anytime soon

How is everyone feeling about the market today? Buy? Sell? Wait?

Looking at investing in FedEx and GameStop. Check out Forward PE and PEG, good earnings growth and operating cash flow. Thoughts?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

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

What’s a good target annual earning % for interest and dividends relative to portfolio size? I am new to investing and am generally just invested in the SP500 and total stock market via index funds

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

Should I max out my HSA contribution?
I am maxing my 401k though.

Also, if I max my HSA, can I invest say 50% and keep the other 50% for expenses?