Refinancing my primary property as an investment and getting a 2.86% for 15 years. With Amex I am getting 2k back statement credit so my closing cost would be around 2500. Is that a good deal? My score 800+ with DTI way below the threshold. I only went to rocket mortgage and didn’t shop around yet

NRF matched Millbank in TX yesterday

I max out my 401k and I have a decent emergency fund. I want to keep saving. From what I’ve been reading my next steps are an IRA and then a brokerage account. Questions:
1. How do I pick between a Roth vs a traditional IRA?
2. Once I hit the max of $6k - only then do I focus on brokerage account?

Los Angeles, ACD (art), 34, $150k

When does HSA contributions show up in BOA account? I’m seeing HSA contribution deducted from my paycheck but nothing on BOA account.. had three paychecks so far. Also, does Deloitte deposit a one time firm contribution to HSA account?

If I’m selling stock to make the down payment for my primary residence house, is there any way I can limit or avoid some capital gain tax?

where is the best place to sell or trade in my used car? (2019 van low km’s)

What’s the best credit card for a married couple who shared finances? We were thinking American Express but kind of lost.

Is it true that some* debt is good debt. I’m referring to student loans, interest is ranging from 2% - 5% (all federal loans). Total is 20k, is it smarter to pay it off immediately and ASAP or just stretch and put the extra money into investing? Note I just graduated this year, thank you guys :)

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?

Is it better to buy stocks and options around 10 or after 1 pm central time to avoid the market rush/high at 9 and 12?

So my spouse and I invest separately via different trading accounts. Individual accounts, not joint. Can I work around the wash sale rule with 2 accounts? Sell stock A from one account @ $20 and buy stock A from@second account @ $15? Planning to dump stocks in December last week to get some tax gains and buying on the second account in first week of January.

These paychecks aren't cutting it. Side hustle ideas?

Welcome to the NFT Bowl! Feel free to share cool projects you've found, investments you are making and why, or shill your own projects! It's also a great bowl to network and build your own team!

To make things smooth:
1) If you see or have a cool project, please post a link to help others find it quickly without having to slog through searches
2) No one is giving any financial advice. Use of this bowl is acceptance that you will not take anything posted in this bowl as financial advice.

1099 or w-2 ? I have been given the option though the company prefers w-2. It’s a day rate booking couple of months or more (no end date). I already have 1099 from similar company this year and am leaning towards 1099, but I don’t want to be difficult. I do take home office deduction and they are not supplying any equipment. Suggestions?

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

This might be philosophical but wanted to understand if we should get satisfied and be happy with what we have or keep striving for more?

Reason I am asking this is - I earn close to 1.5 lakhs every month and if someone had told me this during my college days I would have taken it eyes closed thinking this is more than enough. But today, I am not able to be satisfied and I don't want this to become an affliction so thought to share with others here and get to know the general sentiments.

Thinking this is the year i iA find someone, prayers for all of us single 🐟 wanting to take that next step!

Plan on visiting SFO this August and wanted to check if any F is up for drinks or dinner spend some quality time. Male 34 , tall 5 11, brown and happy to message and set up some time if we find each other interesting.

Book recommendations for a vacation?

Potentially buying house (~ 30 year old ) which has a radon mitigation system put in 2006, the level currently is at 1.6 pci/L. I know EPA recommends below 4, but is this still elevated?

Does anyone know how many chargeable hours are required to work at Deloitte tax teams during busy seasons?

Does anyone in the UK use Haye Grades and know the salary range for a grade 20?

Other than Gibson Dunn, which V20ish firms have strong employment practices?

What is the TC for a partner at PWC?

Hello everyone , Please can someone share the compensation structure for sales analytics lead L6 roles for AWS Canada. And are there any tips on which component can we negotiate and tips for negotiation. Thank you in advance.

Are consultants at MBB allowed to trade individual stocks? Or are they limited to mutual funds only? For example, can someone at McKinsey buy AAPL?

Has anyone hired a consultant to find them a practice to purchase? I'm not asking about the big players like KMG or Succession link.... I'm asking if you've worked with an individual contracted consultant... If so, wondering how the experience went.

What is advance monthly performance bonus in hcl ?
Is this variable component only ?
In offer letter it is mentioned that it will be" restricted for first year of employment " what does it mean

Just confirmed an interview Salesforce as a Financial Analyst! Looking for tips from anyone who has gone through their process, would be greatly appreciated. Nervous as this is a position I'm been trying to get!

Looking for referrals to major Life Sciences consulting positions for strategy/analytics in Toronto/ Canada.

Please and thank you!

Master’s in biotech from McGill. Tons of research experience, pretty solid resume, 3+ years of translational research, 1+ year of consulting experience. And rich profile.

Does anyone have insight on Hogan Lovells energy regulatory practice in Denver?

Anyone else decline Green Choice? I've realized the points aren't worthy a clean room.

Best consulting companies with exposure to the blockchain / digital assets space?

J-dubs buckhead...anybody else??

Book recommendations for a vacation?

Potentially buying house (~ 30 year old ) which has a radon mitigation system put in 2006, the level currently is at 1.6 pci/L. I know EPA recommends below 4, but is this still elevated?

What is the correct order of MBB?

I just found out that people bill more than 8 hours in a day to help with utilization (ie. submitting 8.5 or 9 hours as a standard day). Is this common practice?

What are the best resources for nice powerpoint templates online?

Any good book recommendations for new Managers in consulting ?

What do you think it takes for a PPD to get a utilization bearing WBS for proposal work? I know it is rare...

Client is trying hard to recruit me, any repercussions? I’m in California

Got hired as a digital strategy consultant. I have over 10 years of industry experience but I’m new to consulting. What courses, workshops or books would you recommend to build a solid toolkit?

Heard frm a friend at pwc that in consulting they have per diems. Is it for all practitioners and practice? Seems tight on budget.

We are hiring at EY in the PM practice. If you have 4+ YOE and are interested in program management, DM for a referal.
I'll also any any questions people have in the comments as best I can

A senior person in my org who I don't know, mailed me with "Hi <my last name>" asking for some help. I replied back with "Hi <requester's last name>, how can I help?
Never heard back from this person.

Xbox or PS? Why?

Anyone from the Milan office of McKinsey that can share their experience in this particular region? Also interested in how does it compare to BCG in terms of environment, pressure and benefits.

Any good business/consulting books on amazon kindle that y’all have read that has helped you in your job?