Not related to consulting but anyone has experience with ratehub / canwise financial as lender for the house mortgage? They seem to offer better discount on Prime rate compared to the big 5 banks.

Is bank interest riba?

I have been researching into this these days and there is literature that shares how lending worked in pre-Islamic Arabia. When the time to pay back a loan came, the lender would ask "would you pay or will you increase?" And that increase was usually doubling the loan. Subsequently ever year the loan wasn't paid it was doubled from the previous year.

Anyone going to play AMZN earnings? It’s hard to say if we will still have low expectations this quarter but have to think AWS has done real well this quarter. It’s probably too early to tell how much WMT + is stealing business. The wild card is if they announce stock split.

How often do you check your personal bank account?

Deciding between 20 vs 30 year term life insurance. 33 years old and just had first baby. Anything I should consider to help me decide which horizon makes more sense?

Best cards in Canada for points?

Is 80k cash + 20k company share a good deal for a junior dev role in the bay area?🙏

Question for Sales leaders who’ve said “I did an analysis and concluded we just need more at bats”.

Does it feel like you’re saying something useful? Or are you also writing a book titled “In order to get rich you just need more money”?

Anyone familiar with nanny taxes?
We've always just paid cash to our previous nannies and our new one is requesting to be paid via a W-2.
That will force us to pay additional 7.5% in FICA as employers.

Can we pay her on a 1099? How does that work and do we have to contribute anything ourself if we do similar to W2?

Please keep unhelpful judgments to a minimum regarding us trying to pay cash

Is everybody earning double NIGHTS with SPG? I had thought the promo was double POINTS but I've been getting double nights 👀

Does anyone have any tips to maximize miles when getting married? We currently only have one card that is the same. Does it make sense to add her to all of my other cards as an authorized user? Any tips appreciated

Clever ways to get cheaper housing? What's your hack to beat the system?

Married, 2 kids under 3 yrs. Apartment is too small, but we can't afford bigger. Do we rent a 2-story house and split it with another family? Do we stay in our small apartment and get creative with bunk beds and storage solutions?

How can a family, with kids, and one crappy income ($82,000) get a comfortable living situation here?

Cross posted: Has anyone ever heard of this type of real estate private equity fund structure:

-One LLC, so only one PPM
-Multiple investors that can be onboarded anytime
-Multiple investments that investors can determine whether or not they want to invest in
-One K-1 per investor based on their investments and income
-Ability for the Sponsor/Fund to invest directly, indirectly and in equity, debt, Pref, etc.
To me this seems extremely cumbersome and would require multiple classes of (cont’d)

Any twin toddler parents? I have twins (2 years old) and i am unable to figure how i would get them into college. With the current tuition costs and living expenses of attending college, i feel i can either buy a house or get them education. Any advice on how to plan savings?

Thoughts on taking out $60K from my retirement account under the CARES provision (no 10% penalty) to pay off my house? My current interest rate 5.25%

How much GUSD do you keep in BlockFi to earn higher interest?

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

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?

When you’re wondering if you need marriage counseling instead of looking forward to vacation planning 😔

Have money invested in S&P 500, and now starting to regret not having diversified to international stocks as well. Would want to diversify now to buy a total stock market index, however since S&P 500 dropped more than that index, not sure it’s worth to crystallize losses to do that. The alternative is to stop buying S&P 500 and start buying other markets as separate ETFs, to eventually bring in line approx. with total stock market index. Any advice on the best course of action?

I AM A GRAPHIC DESIGNER
IF ANYONE IS LOOKING FOR ANY EXPERIENCED DESIGNER,
I AM AVAILABLE TO WORK

Anyone in McK product dev / procurement practice willing to chat. Looking to learn more about opportunities i see on linkedin. Tia !

Civility thread!

Don't mention/hint at who you're voting for. Let's try to find some common ground.

How's your day going fellow politically-minded 🐠?

Hi Fishes,
Could you please tell me how PSM1 ( professional scrum master -1) will add value to my role and career?

Currently 8+ overall IT experience and 4+ years into java development ... Recently ...Rejoined after career gap to 2 years

1. How it will enhance my technical profile?
2. Will it be useful for good range of salary ?
3. How will it contribute to career growth?

Advance thanks !!

Looking for Devops eng role.
Exp- 1.5 year.
Tech stack- AWS DevOps.
Any lead would be helpful

Is anyone working or worked with Wissen Infotech before? I wanna know the work culture and work life balance over there. How is work life balance over there?
Is it a good option to join if I get an offer from it?

Hi Fishes... Allstate India vs Fractal. Which is good to join ? Skill : ETL,Azure,SQL. Package : almost same fixed. Allstate : X fixed , fractal : X+1L fixed.

I am looking to start my own supply chain management company. I have some friends from my previous company who said they would like to join my company instead, and I know I have to rent/buy some trucks. What other supplies/roles should I look to start filling? Also what legal documents should I prepare?

For writing samples in clerkship applications, can you edit/revise a final work product already submitted to the court? For instance, if there's a typo or something. Can more substantive edits be made to improve the work product?

I think it's easy to blame the increasing rates of COVID-19 in the community on people not wearing masks. Personally, I blame it on the glaring failure of the federal and state government and the public health system in the USA.

I just left a very toxic work place.
The crazy thing is they were just named the best local municipality to work for. It's upsetting. They advertise a "culture" but don'tapply it. It felt like a used car sales pitch, I was sold a dream but given junk. I am constantly replaying moments. I have read so many books and everything leads to they were the problem. How do I recover from this?

I've been trying to figure out why TikTok is so popular. I mean, I get it: it's easy to use and fun, but what's the ROI?

Looking for custom suit tailor recommendations for both men and women (not indochino). Also, if anyone has used Trend Custom Tailors I’d be curious to hear your reviews. Thanks!

Guys, what platform do you use to trade US stock?

Thoughts on dipping into the condo market? Was thinking of waiting till March but don't think prices will drop that drastically and will be ok long term...

Anyone from ACN asked to take a week of vacation in June? I was asked to but the friends I checked with we’re not; afraid I’m being prepped to exit.

I received my PR and want to start looking for jobs in Canada. Don’t want to transition to current company’s Canadian office as I have burnt bridges here. US Mid tier MBA + 2 years in Consulting contd

Anyone wanting a Business Analyst referral with exp in SQL and potentially work travels to the US, feel free to DM me. Hybrid

Also able to refer HR, and Project Mgr role, if interested. Hybrid as well.

QUAD infotech

Hi there. Anyone willing to refer for Ops M&A roles at KPMG? Thanks!

Where can I get a Tux? Nothing too crazy <$1500

toronto folks (gta, too… im desperate), how should i go about finding a family doctor? havent had one since high school under parental care, and emailed a handful from this govt link but all either no capacity or no response. much appreciated 🙏

What is PwC’s Salesforce practice like? Is the WLB any good at the Senior Associate level? Is their comp any different than other Big 4?

Is a 900k net worth for a single person at almost 40 good or terrible? I see posts from our US counterparts on net worth and salary and feel so behind yet we have such a high COL in Toronto.

Morning all. I am looking for a favour/solid advice. I've been in the interview process for a dream role over the past month or so and just found out I didn't get the job after final round 🙃.

Unfortunately this isn't the first time this has happened during the past year searching. Looking for a SC level role within healthcare/public sector consulting firm. I know the job scene is a bit miserable currently but if anyone in the bowl is aware of a role I would love to have a chat.

Thanks all

Any insight on Arctern ventures in terms of culture/WLB/comp?

What is Accenture entry level salary for a consultant ? 80 Base + Bonus ?

Anyone left Toronto for Silicon Valley? What were the pros and cons. I already got a tech job making 400k but an opportunity to move came up but not sure if the valley is where I want to be.

Thoughts on BCG Toronto?

Rate my offer for a business valuations associate role at a boutique firm in Toronto:
- $90k + ~7.5% annual performance bonus
- $5k in clawback reimbursement
- will pay all professional fees throughout term of employment (CPA & CBV)

My background:
- SA1 in assurance
- Master of Accounting
- passed CFE, qualify in about half a year
- enrolled in CBV program of studies
- 24 yrs old

Hi folks, any idea about the current hiring process for an experienced hire at big4? I meant in terms of total duration.