Need y’all’s help and suggestions. I am an immigrant in the US and have always been on top of my credit score / payments. Earlier this year, I realized I have many credit cards. In order to make life simpler, I closed most of my accounts and kept 3 primary cards open. This month I applied for a credit card and it was denied despite an 800+ score. Reason given was the number of bank card trade lines opened in the last 24 months. I am shocked and also don’t understand what I have done wrong.

Do any real estate lawyers out there know of/can direct me to a ROFO agreement to purchase commercial property? I’m working on one now (but using a ROFO to purchase equity interests as a basis) and would like to see what other people are doing. Finding a good one has been hard, as this kind of thing isn’t always required to be filed with the sec and every search I’ve done basically pulls up garbage. Also, are there any provisions you’d consider absolutely crucial from the owner’s side?

How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

Hi,

My PF memberId starts with PYKRP, is it same for everyone?

Anybody know any good financial advisors? My husband and I are broke btw 😂😂😂

How does one get into trading from positions elsewhere in the bank? What would impress you most about candidates attempting to do so?

Curious of the retirement benefits at your firm...go!

Deloitte: 1.5% salary match paid out once a year, fully vested after 4 years. Defined benefit pension plan, fully vested after 3 years

Thoughts on living in Bushwick or Ridgewood, is it worth the cheaper rent/more space?

My 401k technology stocks are down 27% as I started beginning of last year!
Hold and ride OR some other recommendation?

Anyone use Wealthfront as an investment platform? Likes, dislikes, thoughts?

How does the pre-tax parking benefit work at kpmg? There isn't much detail on ssc or benefits connection but it seems like it is on the honor system vs a separate account like FSA?

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

I’m a Canadian on a TN visa. Am I allowed to trade crypto on Robinhood? If so, can I trade the same coin multiple times in one day (day trading)? What tax implications would this have for me other than the standard capital gains considerations?

30 July was special.
Salary credited. Tax debited.
Both were equal.
Ab pura August daal-chawal khaake!

Recently received notice from landlord rent is going up ~20%. For reference, it is privately owned condo and did not sign at a COVID discounted rate. Super frustrated. What are others seeing for rent increases?

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).

Any thoughts on buying the PRCH dip? One of the high valuation stocks that got killed the last 6 months; however strong analyst consent that this is a Buy.

Solana 😭😭😭

I don't own any and it hurts.

Curious in seeing what people's avg cost basis is in this, when you purchased, and why?

I just want to say... moving suuuuuuuuucks

How do you handle personal investments when married? For example, say you wanted to invest in riskier areas like Bitcoin, Ethereum, defi tokens, etc. Would you talk to your wife before every investment even if it’s time sensitive? Or do you have joint investment buckets where you decide together and then personal investment buckets where you invest on your own? Not married so not sure how this typically works

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!

How many leaves are there in virtusa in a year

Anyone have recommendations for GCs? Looking to renovate a new home in Dallas.

Had initial interview on 6th August - it’s been 3 weeks and I still haven’t heard back albeit following up once with the recruiter. Shall I follow up again? Even if I didn’t get it, I don’t want to be left hanging…

Anyone know if SDNY courthouses have lockers for phones?

Hi BNY employees,

What was your last rating ? Hike % & bonus % of CTC ?

Provide your input in comment.

I get so frustrated and annoyed when people make stupid common sense mistakes and I think it’s starting to affect my relationships. Don’t really know what to do.

Informatica openings any?
9+ experience

Looking for a job change!

What is the notice period in Oracle India?

I received an offer from Aprio, offer was very competitive and hours are definitely reduced from what I have now. Any insight first hand? Would be leaving from a top 15 firm.

CD’s seriously need to stop using “ALL IN” as a way to guilt people for wanting a social life.

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

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?

Have about 5k to invest - should I do FXAIX or FSKAX?

I recently joined a company after being self employed. I’m on hubs’s health insurance. We have no kids. It’s United healthcare. The company offers United as health insurance. What’s the best way to compare plans? I have not been in this situation before so apologies in advance if this is a dumb question.

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

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?

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?

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Why do 403b have such I fees? I almost want to stop contributing all together or just minimum 6% to meet the match. Possibly just rely on the pension but what if it’s underfunded when I retire?

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

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?

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.

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

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

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Any good wedding ring sources aside from Blue Nile?