Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

Recently had our first child. It's really making me think twice about my career path. For those of you with kids, is the job worth it? I feel like I'm losing out on so many memories already.

Hi fishes,
I am currently working as a Data Science Analyst in Amex and would like to make a switch to Fraud detection/Credit risk modelling in future.(not in a hurry but would like to start preparing for the same)
How should I go about preparing for it? Is MBA the only course?
My current tech stack is Python, Pyspark, Hive, SQL, ML, DL(specifically NLP based). I have already done MS in CS from IIT Kgp.
I am confused mainly cause the tech stack requirement is similar to my role in the company.

Boston based producer/director/DP here! Specializing in crazy deadlines and last minute travel.

Any advice for how to decline travel? Partner is pushing for us to go but there is a delta variant and I want to be able to spend time with my family without worrying I’ll infect them. The team culture is quite toxic (these people berate each other daily) so I feel uncomfortable speaking up, but I really don’t see a good reason for going there to do work I can do from home.

I was so desperate to get out of expat tax out of fear of being pigeon holed. Now that it's been six months out of it, looking back, I guess it really wasn't so bad.

Start raising cash family. Take some profits. 4/14 3:51 est

Hi All, I am exploring a contract position and they are offering the below. As I am new to contracting, Please suggest which one is better Option 1: $70/hr on W2
Option 2: $80/hr on 1099
I live in the Bay Area, CA if it matters.

Thank you so much !

Hello fishes
Work a CTC of 30LPA, JL6, is it worth to go onsite like Canada or uk or Australia asking with a wife and kid?
What works be the onsite salary for JL6? Few posts i read days 42k, few other posts mention 110k..
Any one has clarity on this this?

What’s the best real estate shop in Dallas? Not including Winstead or Jackson Walker.

Monday Wordle :

Wordle 401 5/6

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I had to leave the US before my lease ended due to visa reasons and subleased the apartment. I will be returning to the US on L1A shortly after the sublease ends (but before the term of the lease expires), could that jeopardize my return on L1A?

Hi Folks, Coming on A study Visa to Canada. Has anyone worked for their current employer from home Country and shifted to the Canadian office. Would like to connect. Thanks!

EY, what is the current maternity leave policy? Does the firm allow leave starting at 38 weeks? Is disability (6-8 weeks) separate from parental leave (16 weeks)? When is full eligibility - after 12 months of employment?

Is KPMG, EY and PWC considerate about one not wanting to travel and chosing local projects in the IT Assurance practice? Please share your experiences. Thanks!

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

First instinct this morning... put more money on coinbase. Hope by the time it clears I still catch the bottom.

Can anyone provide a little insight into the Accenture Workday practice. Culture, team structures, travel, etc.

Some of the actors on soap operas are just so awful it's just unbelievable. Meanwhile, I can't even find volunteer work as an actor; it's disheartening.

So...bonus was abysmal and I whined...but I had no idea that the profit sharing would be even more pathetic. Fuck this shit.

I’m looking to get my first job Online i need help please…

Hello I’m looking for SDR/BDR roles and am based in Toronto, would anyone be willing to give me a referral or some tips on how to land a job for SaaS companies?

hiya! So I was wondering how I can get a remote job in without any tech or call service experience? I have 4-5 years of customer service experience and I’m taking an swe bootcamp at the moment any suggestions?

Hello fishes,
Does anybody know how much it takes to receive Revised Offer letter from Mindtree ?
I had a discussion with the recruiter on 6th May and he agreed to send the revised offer letter, but I am still awaiting it. The recruiter is not receiving my calls, not replying to my sms and emails as well.
Not sure what to do in this scenario.

Does anyone know is aware how much time Globant takes to release offer letter after finishing all the interview rounds?

What is salary range of lead associate in EYGds?

Any good tiffin services in jersey city?

Anyone else catching up on CEs while they're stuck at home?

💪BEST STUDY TIPS THREAD:

Drop your top tips, ninja tricks, and most important intel in the comments below! 👇

Hi fishes,

I am working as analyst in kgs consulting team with total 5 years of exp. I have got an offer letter from accenture with 10lpa + variable. The role is of senior analyst in technology side.
My current compensation is 6.5 and manager ia saying that they will promote and increse my salary.
What should i do? Please suggest.

Anyone here moved from Chicago to ATX? Currently in Chicago and considering making the move. I love Chicago and the general vibe here, but it's impossible to buy a home in the city that isn't a condo with a crazy HOA. I've visited Austin as a tourist but never spent more than a long weekend.

Hi Fishes, Can you please help me with Salary Range for Grade 7A at GSK?
They're Matching my Current Offer's Fixed Part with Fixed + Yearly Bonus. Which I think is a downside.
Want to know the range to know limits of negotiation without losing the offer

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

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?

Google stock to buy now or after the split?

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

Any good wedding ring sources aside from Blue Nile?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

Thoughts on personal loans to consolidate Debt?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Anyone ever use a credit repair service and have success?

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go towards acquiring the house. We have 2 kids and will probably reduce (not maxing) retirement accounts next 18 months to do this. Anyone have any thoughts or feedback? We’ll have to live on a budget and watch but I feel we’ll get used to it and income will grow.

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Anyone have a recommended tax person in Chicago?