Need some advice. I’m grandfathered into the old Mariott Amex card that has a fee of $95 and gives a 35k certificate annually. The certificate is useless now and so I don’t use the card. What should I do? Can I downgrade to a different no fee Amex without hurting my credit? Or is there a good mariott Amex available rn?

What’s the deal with Cost of Living in SF? Is it me or does it seem like it’s on par with NYC? ~$3500 for 1bdrm. Looking at relo soon

I seem to have over contributed to my HSA by ~$50. Is it even worth it to withdraw if my HSA charges $20 for processing an excess distribution request?

Buy/lease now or defer to Q1-2023?

My car broke (engine seized, 10y old). I am interested in 530i ($62k price), however 3year lease is $1,000+ monthly (with $5k down). Monthly lesse payment is 50% more than bmw advertised offers (“south FL dealers are not participating in the program”)

Q to car gurus/experts- should I defer purchase/lease for 6 months? My logic, the impending recession will reduce demand and we will go back to more balanced market (lower prices with negotiation).

I might come off as naive here. But how is options trading different from setting a limit buy or limit sell. Any beginner article I can read up on options?

What is everyone doing w/ their bond allocations w/ rates where they are? Thinking of using FIA for this portion until it settles down a little. Not a big fan of FIA, but might make sense. Chu think?

Has anyone used Knightsbridge to move money from US to Canada? Is it reliable?

Anyone know good cpas or tax preparers? Mine should be fairly straightforward, but I’ve worked in 3 different states so worried that’s going to complicate things for me

Anyone start later in life? About to turn 32 and my retirement savings are sad.

How common are credit checks for roles in accounting or finance positions? Will high utilization on credit card balances and low credit score be a deal breaker? I’ve been irresponsible and made mistakes, but wondering if I can switch jobs now or if I’m best off waiting 1-2 years and cleaning up my credit first.

Hey guys! Thanks for joining!

I was doing my own investment research when I came across multiple financial management websites suggesting really bad mutual funds.

Current FD RD rate is between 5.5% to 6.5% for 12 to 18 months. These websites are suggesting "better alternatives" of mutual funds with return rate of 3-4% for the same duration.

If this is the case of misinformation for these simple investment tools, we can't imagine how much misinformation is there for more complicated options

Hi Fishes!

This question is mainly for the people in that 20s and 30s. Just want to know if there is a trend and if our spending habits are taking a turn for the worse.

Most of us saw increase in our pay checks earlier this year, mainly due to resignation wave. Given how easy it is to spend money these days, have you guys noticed any changes in your spending habits? Have you started overspending or you are still mindful about day to day purchases?

Chances at CBS with 4 YOE in analytics consulting + impact investing, 3.6 from econ/stats at top 20 UG, solid LOR and ECs, but 160Q/162V? Indian female.

Which credit card do you think is the best for ME consultants?

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.

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.

Has anyone made a move from a “cushy” lifestyle to move to NYC? I’ve had a desire to move for a while but the logical part of my brain is holding back. Also insight into PwC NYM would be great!

Taking 8 days off in DC/Jan (over New Years). I want to do some hiking, but not sure where I want to go. Based out of DC. Any recs?

What’s the best points system for people traveling in Canada? So far I only use Bonvoy and Aeroplan.

If I can ask a polling type question. I get invited to speak to law groups frequently. What topics would you like to hear about in 2020? Each are CLE accredited. Debt. Business planning. Finance 101?

Hi all! Appreciate all the advice / nerding out about watches in this group! 🙂 Planning to get my first Rolex and also have some upcoming travel to Budapest planned. Has anyone purchased a Rolex there? How was the experience? Trying to take advantage of the high VAT!

Does anyone have any information on Harper meyer in Miami? Im looking to apply as an associate, I just graduated and took the bar last week

Holland & Knight matched the new Cravath scale recently, but they didn’t apply it to any Florida office except Miami. What do we think this means for Tampa market salaries? Are they likely to bump again, or stay the same?

UGH I need to get to NYC next year , just feeling stuck.

FRM average salary through uhaul

Recommendations of infant/toddler daycare near park hill neighborhood? I work in downtown so downtown area can also be considered. Thanks!

Range finders, are they worth it if you have an app that shows yardage already?

Thinking about starting my own plaintiff shop. What’s the best way to generate clients with a low marketing budget?

Hey guys, question regarding new years resolutions. Anyone know some good books about how to lead better and step up to become a great CD?

Hi.. I’m really struggling lately with stress and anxiety. I’ve always had depression but it’s been more maniac and often manageable. I’m at my breaking point now and don’t know what to do. I made an appt with my doctor (PA) tomorrow. Will they prescribe me an anxiety medicine? What should I ask for? I’m looking for something low dose and minimal side effects. Help!!

Does anyone else find it absolutely hysterical that people group MBB/FAANG/PE/VC for the prestige-oriented folks and they never include BB IB 🤣

Consultant role in Deloitte USI (F&EP Team) Vs KPMG Global Services (IT Advisory- EPM Team)

Deloitte USI: 13L + 4L JB
KPMG KGS: 17L + 1L JB

YoE: 4.5
Tech Stack: EPM

Which one will be the better choice In terms of:
1. Bonus and Increments
2. WLB
3. Type of work (back-end/client-facing)
4. Professional growth
5. Any other relevant factors

Please share your experiences?

what upgrades are worth buying on townhouse or SF home. planning to live there for 4-5 yrs and later move into bigger house. will rent or sale this property at that time. house is in MD.

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Likely going to miss Delta Diamond this year by about 10k miles. Anyway to pay to make up the difference?

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

I'm about to start my first travel case. SPG or Accor?

Anyone with systemwide upgrades to sell on American Airlines ?

You can probably get some points. Be aware that American tends to have mor delays than Delta so switching won’t help. It’s also a much suckier airline in general. At least 60%of my AA flights are delayed in a year

Does anyone ever redeem Marriott points for gift cards? Is it worth it?

Flight attendant woke me up while I was sleeping to give me ice cream, then I couldn’t go back to sleep.
How many points?

Does anyone know where on the United website where I can see all my future PQMs, PQDs, and PQSs for the rest of the year?

Anyone have a special platinum Marriott support number or contact person to resolve a lingering issue?

If JetBlue moves my departure time by 3 hours can I get a credit card refund or only travel bank?

For CSP/CSR, does the person getting referred get anything other than the public offer?

Which CC is better for sign-up bonus - Citi Premier 80K points or Chase Aer Lingus/Iberia 100K Avios points?

I churn somewhat regularly and am under 5/24 by 1. I think Citi's points are more valuable but maybe I should knock out another Chase card before I'm at 5/24 again, even though Avios isn't as versatile?

What is your credit limit on CCR? We're going through some life changes (wedding, rings, travel, etc.) and was recently surprised to find my credit limit is only $30K even after being a solid customer. What are the ways I can get an increase in the credit limit?

New year checklist for amex plat, CSR, Delta, and AA? :)

Anyone knows how chase sapphire travel insurance works? I used the first leg of the trip but cannot return due to an illness. It is cheaper for me to cancel the return leg and buy and new one way.

My fiancé and I both have the CSR card and Freedom Unlimited combo and love them. We are thinking of adding another card and we were considering the Amex Platinum (to diversity transfer partners) or likely a United card for lounge access since we live in Chicago.

Does anyone else have both CSR and Amex Platinum? Would you recommend?

Thoughts on the best domestic mileage program? Any recommendations for someone also potentially using those miles for international redemptions?

"How many points?"
I'm new to all this. Beyond all the humor is this actually commonly done ? What's the process and way to go. Real examples please:)

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.