Never have had a credit card before, and somehow I’m getting rejected for credit cards like Chase Sapphire. Credit is somewhere in the 600-650 range.

Any recommendations for cards?

Is there any way to travel or live internationally while working for the US government? I’m working in finance and accounting. Would love to know how and where.

Is there any advantage or disadvantage to maxing out 401k in a single contribution instead of a taking some out of every paycheck

First in my family to go to college, parent is abusive so I have no safety net & had no help. Worked full time all through college & still graduated with 30k in debt. I’ve been paying really aggressively on my private loans since the federal pause and I checked today and I now only owe 2800 in private. Pretty sure I owe 11k in fed & I qualify for the 10k. Honestly trying not to cry from sheer relief.

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

Anyone needs help in filing ITR? Today is the last date. Even if you have got zero taxes cut, you should still file itr. It has many benefits. Cost for filing would be very very less(250 bucks).
Dm fast. Only limited time available

PwC Tata Consultancy Accenture Deloitte EY

Are you doing what you thought you would be when you took out your student loans? If so, do you feel like taking out your loans was worth it?

💥Relocated to NYC and my real estate broker has said it’s been hard to book any showings. I’ve heard in this market, having a broker can hurt you because property owners prefer to not split the brokerage fee & go straight through tenants. Is there truth to this?😫

I have the opportunity to buy a new build in ATX for 310k at 5.625% 30 year. Should I buy it? I can either:
1) rent it out
2) sell it

It's not my primary and I don't need it to live in. The news about a housing market crash is worrying me. Any advice?

Do I need to initiate LCA assessment request? I’m currently on F1 student visa using my OPT. I got selected in the lottery this year and I just responded to the RFE so I still don’t have the H1B(cont)

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

Can anyone give me a rough breakup of expenses in Dubai please for a single person. Is 12-15k AED reasonable every month?

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

I have dal 19 put 3/27. Loosing money there, should I wait out another day or two or cut my losses now?

Alteryx stock - thoughts on the company as a longterm investment?

I make $100K with 12% bonus and was offered a role $130k with 15-20% bonus. 4YOE in provider industry.

I am in a comfortable spot with a good team but the work is dull, new role would be consulting with more work & travel

I would appreciate pros/cons etc! Thank you.

Looking for job change Mainframe resources
Exp: 11+
Current location:Pune
Visa : valid H1B unstamped(2.6yrs exhausted)
Notice :90 days
Preferred location: Pune,Nagpur
Any leads will be appreciated,TIA

Is ibm to safe to join now for 16lpa, 6 yr of exp. As java developer.

Hello All. I have offers from 1. PWC AC Bangalore (Senior Associate) 2. KPMG Assurance & consulting Gurgaon (Senior Manager in Digital Lighthouse) 3. Legato Gurgaon (Sr. Soft. Engg.) Please suggest in terms of WLB, career progression, projects and overall work env. Pwc is giving WFH but not sure how long will it continue for (will it be permanent?) Which amongst these will be a good company to work for at least 3+ years. Pwc AC KPMG Assurance and Consulting Services Legato Health Technologies

I’m currently freelancing as a CD at reputable agencies. Is it ridiculous to consider full-time ACD-level jobs?

How would you recommend to find a data analytics job in the US? Currently a Sen Con at a big 4 in Aus

I have created Algorithmic Product/System for the client to take out inventory not-in-demand for long time to save storage expense and also provide an approach to prioritize Work Orders based on Market Demand. It’s more like an Manufacturing Plan. I want to get into Product Analyst/Lead role. What approach I should take? Any books to start with? Any events to attend? Any groups to join?

What’s the different between business analyst and data analyst? Sometimes I see them merged or people say “business/data analyst”

Hi Guys, any opportunities in the UI/UX department working on the Salesforce platform?

Does anyone have information on Ogletree’s ClientTeam Counsel position? Billable requirement, salary, type of work?

Anyone know any consultants who specialize in re negotiating insurance contracts? I’m tasked with finding someone for our fertility practice.

Welcome to Freshworks' open bowl. Feel free to ask questions or share useful stuff. Meanwhile please avoid sharing sensitive and confidential information. For specific chats, move the conversationsover to DMs...

Hello 🐟 🐟 🐟,

Which is better to join oracle or ey

Thanks

Anyone know the average associate hours billed at Gunderson?

What policy changes are expected post LTI - Mindtree merger?

How do you folks describe your deals in resume/ interviews/ LinkedIn while stopping short of naming client/target? If you describe the acquirer and target, it’s pretty easily traced to the exact deal.

Does anyone know when agile promotions will be communicated to the counselors?

I’m one of the only attorneys in my Texas firm that had electricity, internet, and water this week. I was warm and comfortable but still could not get any work done because things going on in the outside world are distracting. When I try to work, I feel like I can barely hold a thought in my mind before I get the “wait, what am I doing again?” feeling. I just want to know, I’m not the only one that struggled this week to do any work, right?

Hi,

I have 2 yoe. My current CTC is 5.76. and in hand 5.61.

I am looking for a company where I get decent work life balance and a good hike. Can you suggest me an organisation for the same.

Getting over heartbreak and having a full time job is torture lol. My boyfriend and I just broke up after almost a year of being together. It was such a beautiful relationship but ultimately he just didn’t love me. I love him so much. My mind knows that I deserve reciprocal love and I’m worthy, but I feel physically ill. My body hurts, my stomach is in knots, my head hurts. How is it that I have to mend a broken heart but also meet my billable hours lmao

Has anyone experienced difficulties with speech/thinking through taking anti-depressants or from suffering with long term depression? I first started noticing difficulties in articulating my thoughts at university and my career in consulting has only made this more prominent. I feel embarrassed, really depressed and incompetent because of this. This is one of the greatest anxieties I have regarding my performance and I find it is really effecting my development.

My fiancé and I (ages 30 and 31) are about to buy a house. We would put down 10% for a 835k purchase price. Our combined income is $265k. We both have around 7-10k left in emergency funds (each) and combined about 200k for retirement. Our mortgage is $4,500 a month and we split a car payment for $800. Is this an okay financial decision or should we have bought a cheaper house/saved more?

What does your NW breakdown look like ? In my case it is as follows
Home equity: 15%
Investments Stocks/ETFs : 25%
Retirement account: 30 %
Cash: 30%

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

How do you choose 529 college plans. Currently in MD but will move to TX or GA in next couple of years. Any plans that avoids locking into specific state and allow to use funds for private or public colleges.

People selling risky assets at the lows just to pile into safe heavens that barely appreciate seems like an logical investment strategy. Please stop. Invest in broad indexes and throw away the keys. If anything buy more as everyone sells. This is not rocket science, but as we know investing in difficult times brings out animal spirits. And animals are dumb…Good luck all

If I pay off a HELOC balance in full, is there a chance my lender will close the credit line? I want to pay off my debt (which is subject to a variable interest rate and thus is becoming more expensive to service) with free cash, but I don’t want to lose access to the credit facility.

Have about $200k in savings. Should i move them to a high yield savings account? Popular direct or UFB direct quoting 3.7-3.8% which is not bad. Any other ways to grow? I already have quite a bit more in index funds so don’t want to buy into more stocks

How do people feel about Tesla ? Buy ?

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Any good bonuses on credit cards right now? (Jan 2022)

Already have Chase Freedom, Amazon (Chase), US Bank Cash+ Discover, AMEX, Wells Fargo 1.5%, all used for different expenditures to maximize cash back.

Thinking about getting the Wells Fargo 2% and closing the Wells Fargo 1.5%, and any others that overlap in cash back categories but at a lower rate.

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Interesting investment opportunity with PSTH. Biggest SPAC with Tontine warrants. In short, for every 9 common shares you buy and hold through the merger, you get 2 shares priced at $23. The price right now is $26. I would get in and gradually increase by a multiple of 9 and hold until at least Dec 2021

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

Any tips on how to use up gift cards with <$3 on them? I know some stores won’t accept as a payment method. Don’t live in a state that lets you cash out under a certain amount.

Any stores / websites you’ve had luck with? Hate to throw out free money, even if it’s a few bucks

I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

What should I do with my cash in this environment? Have quite a bit sitting in savings which is obviously not ideal with inflation running high. Are ETFs still the play?