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$130k/Not Big 4/SC/7

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Best SPG in Memphis? Going to wedding at the Peabody in the fall and looking to use points. Any ideas?

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How many points for every $ we spend at Hyatt? Thinking abt switching there from Marriott. I have explorist status with Hyatt currently

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Is it possible to improve the GRE score by 5 points in each Q and V in 45 days? Currently in mid-150’s for both.

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Hi! My husband had a pituitary tumor apoplexy less than a year ago that took 90% of his sight rendering him unable to work. I am looking for a flexible data entry job that I could do “on the side” to help ends meet. I have been in Product Management for over 20 years and am very good with data and details. My life revolves around computers! Any suggestions would be appreciated! (Bonus points to anyone that also knows of a job a mostly blind person could do from home!!!)

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One of the best things about COVID lockdown: The pause on “how many points?” posts in this bowl.

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Scoring 170 points this week and still can't come out with a W. Wtf.

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Curious about thoughts on on discount points (I think I’ve already read every article on Google). I am refinancing my personal residence (future rental) as well as a rental property. The mortgage brokers discourage me from spending a ton on points (rolled in, not up front). In some cases, it’s a 16 year break even. I get that’s a very long time to break even, but I have no intention of getting rid of the properties and doubt rates will drop much below current. Max breakeven point for you?

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If I skipped the outbound leg of a r/t, but want to take the return and have a boarding pass on my phone, does that mean I slipped by? It was a weird booking with chase points on 2 codeshare airlines

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Is the Amex Green the best choice for me (employee at McK) as a corporate card? The points earning looks best. Options are Green, Gold, Plat. Private cards are chase.

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What’s the best way to include a new role on your resume that does not begin until next summer? I’m asking this because IB recruitment is in the spring, and I thought it would be meaningful to include it. I am mainly curious about the bullet points. Would it be valid to not have any or to just have one that says something like “Accepted offer on Nov”?

Timeshare presentation offer.. for Westin Maui .. 5 nights + car + 5k points for $650. Should I bite?

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best way to improve GRE score by ten points?

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Anyone looking to offload 40,000 bonvoy points?

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Newbie here - booked my hotel through Concur at $250/night... when doing my expenses realized the hotel charged $340/night instead. Called the hotel 3 days ago, still no resolution. Ask for points?

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Am flying Qatar - peasant class- in a few days. Have tons of Capital One points. Any advice on best way to convert to an upgrade on Qatar? Avios appears to be defunct …

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Has anyone stayed in the Westin Maui Resort & Spa, Ka’anapali? Planning a trip in the fall and wanted to stay here but don’t want to pay extra for the Hokupa (not using points). Is the hokupa a must?

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One item borrowers shopping for mortgages get too caught up in is rate. Most borrowers don’t know how to read a loan estimate and get taken advantage all the time. Just because a lender/bank offers you a low rate doesn’t mean it’s best deal. Most cases, especially now since rates have gone up, you are being charged points for some of these lower rates in the 4s. If you don’t know or understand discount points feel free to shoot me a message and I can help you review estimate and see if can beat

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I see everyone saying “how many points” but how do you actually go about asking for them? Internet in my hotel room is so slow I can’t even scroll insta let alone download/send docs. “enhanced WiFi”

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More Posts

Hi 🐠- question for you guys. My cousin is an alcoholic and has struggled to remain sober over the past few months. He and his wife purchased a breathalyzer about a year ago, and my cousin is now suggesting that he send his family members (wife, siblings, parents) regular screenshots of his breathalyzer results as a means to hold him accountable. As someone that grew up around addiction, this sounds like a recipe for strained relationships and animosity, but what are your guys thoughts?

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Can you dice/chop onions and not tear up? If so, how many till you tear up?

Best world timer or which one do you like the most?

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Currently doing Sales for Railway Equipment in Canada. Base salary is about 126K per year plus commission. I do well on commission, sometimes twice my base, but not every year. Just wondering if there are any other construction equipment sales people here that can compare base salary?

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There's a lady at work who's probably very smart and good at her job but i feel like she's so dumb sometimes because she always has ideas about how we can reduce our workload by moving it to another team offshore which is obviously great for the company because they have to pay less money for that work but it could mean that our jobs become redundant eventually. Our company has had these sort of transformations in the past and i just don't understand how she doesn't see this

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Hello Everyone,

I have got an job offer but my car lease is on going....what are the options I have?

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So, I was friends with this during my college days, but after engineering I feel his commitment for our friendship is not there now.

Yesterday his birthday was there, he didn't invite me, I felt real bad. I have helped him lot of times in college.

It feels he is just an acquaintance now, no more friends with me.

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Which other schools have delayed opening F2F until September? Do you think a lot will change in that time?

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Hi all, can someone refer me for this role?

https://gartner.wd5.myworkdayjobs.com/EXT/job/Gurgaon/Data-Analyst---Business-Analytics_72978?source=JB-10120&source=JB-10120

ID 72978

I am currently in PwC, 14 months work ex in SAP, wanting to switch domain to analytics, versed in machine learning, deep learning using python.

Thanks in advance

Looking for book recommendations to brush up on Revenue Cycle, general consulting skills/framework, or anything healthcare. Currently in EHR implementation and wanting supplemental info to help myself

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Everyone says we need to find "a cure for cancer" and YES, definitely, but there are so many different types that we need at least 50 separate cures. More complex than people give it credit for. What does everyone here think?

likeuplifting

What is the process need to follow for getting the reimbursement for(I am at M level) ITIL or Scrum master certification from cognizant side.

Not fashion related but where do you all get your pillows and bed sheets from? I want some
Good quality pillows that long last

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Looking for business partner

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I miscarried my twins at 19 weeks. It has been 6 weeks and I am still bleeding. This was my first pregnancy so it’s all new to me. My doctors can’t seem to understand why I’m still bleeding but (cont)

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Whats the salary offered by IQVIA for Data Engineer role for 2 YOE?

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Any agencies looking for jr art director that can photograph and illustrate?

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PMs, If your company is an AWS shop, they just released two new cool features to Cloud Watch that is extremely valuable to PMs. The first one is Cloud Watch Evidently that allows for non-deployment A/B testing and the second is Cloud Watch RUM for user and performance monitoring. Definitely look into them since I’m sure the red tape involved to use them is a lot less that 3rd party tools.

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Additional Posts in FIRE Financial Independence Retire Early

I’m thinking about increasing my wealth but wanted to see what options I have. I don’t know much about stocks. I know real estate is a good way but not sure I have enough money for a second home right now. What other ways do you make extra income? My background is in audit, anything I can do with that in the side?

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How do you balance being smart with money verses wants and desires? I'm thinking about buying a new Supra but the fiscally conservative part of me balks at spending money. I can afford it and would really enjoy it.

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Anyone use the personal capital app? If so, how do you split investments for married folks? Example joint ownership of home etc

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Anyone here retire in late 30s or know someone that has?

How much should I have saved solely for real estate investments?

I think I want to step my toes in the water by renting an apartment complex and renting it out on AIR BNB.

Has anyone here done this? How much would you advice I have saved before I do this? I know there are fees as well as costs of furnishing, etc. but looking for further advice :)

Anyone have a net worth/budget excel tracker they want to share?! : ) prefer not to use the apps.

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How do you feel about eviction moratoriums? Do you think they help or hurt access to affordable housing? Asking here because I suspect many of you own investment real estate.

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If your salary is 70k , what’s the max you would be spending for rent? ( Philadelphia)

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new to investing. have done some research - reading blogs and a few books on investing. I still have the question of do individuals that take the index fund route… do you all purchase the same funds for different accounts? Example, would you invest in VTSAX across a brokerage and roth account, or would you take a different approach for each account?

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I hit my FIRE number today at 50yo!!!! Had to tell somebody.

likeuplifting

Is contributing to an HSA better than a taxable brokerage in CA?
(where HSA contributions and gains are not protected from state tax)

Or only superior if I avoid taxes in HSA via Treasury notes/IBonds?

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Started/maxed out my 2020 IRA on Friday at the market high without knowing and now my whole portfolio is down 2-5% already 😔

likefunny

Do I have too much cash ($35,000) in my high yield savings account? No immediate plans to buy a house (but could be an option). Rent is $2100 and have no other debt or month financial obligations.

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I am convinced buying a house is a poor use of money when living near any mid-sized to large city when looking at investing that money over a 15-30 year time frame. What do I need to be considering?

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Anyone have suggestions on how to protect minors assets? They have a couple of years left before they turn 18 and would like to help them put their inherited money to good use example: low risk investments, steady cash flow investment/rental property, etc. Anything that may also be used for their education in the future. And possibly tax strategies to decrease tax liability from when they start getting income?

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What is considered a good interest rate for student loans? ~30k over 10y. Is 2.6% good?

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I’m contributing post-tax 401k offered by my employer to take advantage of the mega backdoor Roth. How often do people roll it over to their Roth IRA account? Like every month? I understand that any gains rolled over would be subject to tax but don’t expect it much given the market is down currently.

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I’ve been reading more and more in other financial forums about people refinancing into interest-only mortgages as a means of maximizing cash available for investment. Help me understand the argument for doing this? I’m starting to see it could make a lot of sense for people who 1) have a ton of equity and aren’t worried about the housing market flinching, 2) probably won’t keep their house forever, and 3) already have a high net worth. Thoughts?

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likeupliftinghelpfulfunny

I’m curious how much other people with similar incomes save/invest a year; I’m a 24M, making 70K a year in a HCOL city. I saved about $12K in my first year of working out of college, and I feel like that’s pretty good but I could’ve done better. My rent isn’t too pricey, but I went on 3 vacations, go out to the bars frequently, and spend pretty freely on food. Anyone care to share their income and corresponding savings for FIRE?

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