Problem gambler here having to deal with multiple payday loans. Does anyone have any advice on how to handle? Been in a situation with pay day loans in the past? Any guidance would be great.

How do you start searching for mortgage loans and what do you look into lender

Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/month. We are looking to move to Dallas and thinking of buying a house ~996K with a 15% down. Questions -
1. Should we go for house of that budget? We can afford, but asking based on market.
2. Should we down 15% or just 5% ? Or go for 20% ?
*Getting a rate lock 4.25% 🤞🏼

Why do people accrue prepaid expenses?

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.

Whats the second source of income for a IT employee ?

is the rental market getting better?

Currently have CSR and thinking about downgrading to one of the Freedom cards. I currently have 150k in points. How would that effect it if I were to downgrade to a Freedom card?

Can we just take a moment to recognize how great of a human being Dolly Parton is. She knows how to do good with her wealth.

Best non-travel credit cards? I have Chase Marriott and SW but looking at best value cards during Covid. Esp Amexes. TIA!!!

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

SD rent prices are just about the same as SF right now. It’s blowing my mind.

Trying to avoid paying an accountant, can I actually write off home office space/mileage if I was just permalancing for 3 months last year? Shouldn’t the 7 months of W2 take care of this 1099 shit?

Is it still worth buying Tesla stock? Especially after rising so much since year start?

Searching for ideas - I want a classic/older generation convertible for fun weekend driving. Considering things like Mercedes SLs, etc...What else could I look at? $25k max

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

My father took a home loan, and the same home is kept as mortgage.
I'm paying arround 22k emi for the same but unable to exempt tax as the loan is on my father's name.

I googled a lot how to transfer it but neither gift deed nor sale deed would work as the property is on mortgage that's under bank's ownership (until loan is fulfilled).
Tax is also getting deducted, I'm paying hefty emis.
What can I do?
Please advise 🙂

Any realtor recs? Looking to buy in Seattle

Made my first few options trades.

first lesson I learned- take profits ASAP! calls went from +100% to -20%.

Accenture 🐠, anyone willing to provide a referral to Business Process Architect role in Dallas? I will PM my work experience and qualifications if anyone is willing to chat! TYIA

For anyone that is CPHQ certified - how has this certification benefited you? Do you think it has improved your job prospects? Thanks in advance!

Hi public, Work culture and WLB at Oracle?
Please suggest

Anyone looking for a referal at Salesforce Company. Let me know.

What salary range should I give for Avascent analyst role?

I joined HCL last December 2021. When will I get my first appraisal? On average how much percentage it'll be

Mental Health, inherited or choice? I am finding myself struggling with processing that ADD, Depression, or Bipolar is a chemical imbalance in the brain vs. behavioral therapy. The best analogy given to me is you would treat diabetics with insulin so why not consider prescriptions to help mental health. 2020 has thrown more at me than I’m able to handle. Has anyone here noticed a significant improvement after a prescription to help psych issues?

Which firms are actually doing work in the emerging tech space - NFTs, DAOs, and related blockchain fun?

Does anyone want a referral to The Siegfried Group? Required 3+ years Big 4 experience.

Hi everyone,
I have an experience of more than 2 years in a product based company working as an analyst. I am looking to switch to another product based company in the same domain,i.e, Oracle, SAP, etc. Can anyone please refer me at Oracle?

Free transportation to/from sap sdc from any location of B'lore to all employees ? Is it true or some hidden charges/any condition ? Please advise

Any idea on when office will start again on full fledge basis? Doing season from home will be a task

Hi.. I have received an offer from a consultancy stating for 3 months i will be on their payrol as infosys as client and after 3 months i will be moved to Infosys payrol with permanent wfh. I have other offers with wipro amd capgmni both with same package. Please help me if i can trust the consultancy and go for infosys option

Stay safe during the Tropical Storm everyone!

If I wanna leave the firm in December.. when do I have to tell to my audit teams? I have to be utilized well enough to get my 30 month experience till december.

I have a family member who is having a hard time finding an entry level data analyst role. He knows Python, SQL, and is AWS certified. Anyone know anyone or willing to refer him?

Started at a big firm in July with high hopes- in the career path I wanted and I would be joining with other new grads.
After onboarding, it’s as if my team forgets about us every day. The training is non existent, there doesn’t seem to be any initiative to invest in new hires, my manager scolds me for not knowing enough yet gives no direction. I don’t want to waste time (colleagues mentioned it doesn’t get much better from here). Do I embrace the suck or look for other opportunities?

Looking to open a taxable brokerage after maxing out Roth and 401k. It’s more so for a house down payment in 5-7 years. Can someone please provide insights on ETFs vs mutual funds?

Any interest in doing a daily reflections thread? In the spirit of rotation one of us would be responsible for posting the link and kicking off the share for a month at a time??

Trying to get rid of this casino addiction.. every time I drink,m or I’m bored... thoughts of blackjack stream in

Looking for motivation to get me to my first Alcohol rehab appointment.

I am partnered with a functioning alcoholic and having a really hard time not being hard on myself. I know his drinking isn’t my problem, but I don’t know why I allowed myself to get in this situation

I buy things I don’t need and don’t know how to fix it. I always blamed it on “drunk buying” but I’ve been sober for 355 days and it persists. I know I buy things in an effort to fill a void and try to feel something so I buy “things” but it doesn’t help and I know it. Any thoughts or suggestions?

How do you know when dependence turns into addiction? Where’s the line?

I went to the lease this last weekend. Not one drop of alcohol was had. That was the closest I’ve come to caving. 4 wheelers, killing dinner with big guns, doing manly things in God’s country. Beer is an absolute necessity during these events. Anyhow, I didn’t drink. Proud of myself. Monumental moment for me.

For everyone in recovery, please reach out and stay in touch with your people. Isolation is a killer.

Has anyone ever messed up at a company party because of alcohol?

Downloaded the “Days” app. No frills, no extras. Just a number staring you in the face. I’ve made it almost habitual to open and check... even multiple times a day when I know the day counter hasn’t changed, but it’s helping and encouraging. Each day is a sense of accomplishment and a win over the pull of my own thoughts. Forcing my willpower into further restraint. 10 days strong so far.

I joined a new team and have noticed something off with my Director over the last months (slurring speech, no show to calls or even full days of work). I finally asked a colleague about it today because I’m concerned about my Director. She confirmed that she’s noticed the same over the last few years, but no one ever says anything. In confidence she told me she can often smell alcohol. How can I help? I feel helpless. I’ve already lost someone to addiction and I can’t ignore this. Any advice?

Has anyone tried using Kratom to help with an addiction to opiates? Does Kratom itself get addictive if you start using it for a while?

I messed ups no need help. Idk where to turn.

Hello to all,
If you need someone to save from addiction we can try.
Just contact me

Any meditation stories on recovery anyone willing to share? Did you have break through moments during meditation?

Social media! I find myself mindless scrolling through LinkedIn and responding to random shit. I put the phone down and pick it up again without thinking.

Sharing some thoughts I’ve had lately:

The end of my suffering occurs with the death of my ego. I am reborn when I surrender to life exactly as it is, right at this moment (and it’s always “this moment”). I can begin to grow when I either accept life as it is, or I change my life because I can’t accept it. The better I become at surrender and acceptance, the more I experience serenity. After a long enough time I realize I’ve had a spiritual awakening. Now I am peace / joy / love.

☮️ 😊❤️

Anyone have a friend or family member suffer from liver damage / failure? Not sure how or what to do to help someone with the problem.

My SO is an alcohol abuser but has said he knows it’s a problem and would like to cut back or quit. Any suggestions or advice in how to help and cope with this. He becomes a different person when he drinks. I want to support him but don’t know how or where to start.