Student Loan ReFi: with the fed signaling yesterday they may raise interest rates earlier than expected, is anyone still waiting to refi until we get closer to end of forbearance on May 1, rather than locking in a lower interest rate now? I understand the loan forgiveness angle, but I’m a high earner with high loan balance and doubt I’d qualify for any forgiveness so locking in a lower interest rate is becoming more appealing to me.

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I have an open offer too at 2.735%, and I think I’m just going to lock it in. It’s such a low rate to lock in for 10 years that an extra 2-6 months of nonpayments, at the risk of an extra half a point or more interest, just doesn’t compute for me. I’m keeping 10% of my student loans with the feds for now though, just in case there is some small forgiveness

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Oh that’s a solid idea.

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Following with interest. I have an application to refinance that is currently open.

I’m considering waiting until end of January or mid-February to start another application. This would buy a little time (45 days or so) to see how interest rates are faring, watch for any possibility of extension on repayment, or scope out potential forgiveness.

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Some places may offer to lock in your rate until at least the current end of the repayment pause. I know SoFi was doing that earlier

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I asked, they flat out said they’re not doing that again because now rates are rising

Depends - can you make more money now in the markets by investing the money then you’ll spend on interest after the rate hike?

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Following. In the same boat. I feel like I’m playing chicken with the loan refi people. I have a 2.7% rate offer that expires 1/15. I feel like a dope for holding out that Biden’s going to forgive 20-40k of loans with an EO. It’s not even close to all of my loans but it’s not nothing.

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Hi GDS Folks,

I just got to know from my Counselor that my Lead rating is Differentiating with Promotion :)

I am moving fron Senior Associate to Supervising Associate. Any idea on the hike % i can expect?
I am currently in MBA team working for Americas Assurance client.

Thanks in advance.
Wishing All the best to everyone!!
🥂 Cheers!

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Anyone sourcing or recruiting engineers?
I started with a company recruiting logistics professionals... They've doubled my work load and transitioned me into recruiting electrical engineers with security clearances ( so much more strict criteria), but my pay is the same.

I am getting ready to ask for a raise, but curious what you think I should be making?
I work completely remote and have surpassed all my quarterly goals this year.

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Do you plan on living in NY forever? It doesn’t look like it’s easy to raise children or be old in this city.

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hey folks, I am going to join Oracle ossi in Hyderabad location. I have never been to Hyderabad, and will be relocating. Please guide on what would be good areas to look for rent. Also, what would be rent like for 2/3 bhk. Ideally my budget for rent would be <25k. Initially I will be going but in future my family will join me once I am settled. Any points to note or any other gotcha to keep in mind ? Please suggest.

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I work at a b4, I got a job offer from amidsize Promotion and going from 120-140. Should I take it? It would be a new start, and they mentioned less hours. The only issue I am thinking about is not having July and December weeks off. Otherwise the benefits are the same.

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Pursue manager promotion in core tax compliance or pursue transition to M&A tax but remain SA. I am a Macc CPA.

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How much hike can we expect from level 9 to 8 promotion considering FY21 budget and current market scenario?

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I’ve worked as assistant manager for years, but it doesn’t look like I’ll be getting a promotion anytime soon. I feel bad leaving since I'm kind of the glue around here and I’ve gotten to know pretty much everyone. Any advice?

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Raise your hand if you are surviving the holiday season! 🙋‍♀️

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Has anyone gone through process to buy in Hawaii and use for vacation home / Airbnb? How was the experience? Does it make financial sense? Any lessens learned?

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I have an issue: just been informed by compliance I have a violation. Using a brokerage restricted and at this point I am at a loss. I sold off all my stock just to comply. Then put the only stock I kept with the broker, the other one is my wife’s employer 401k savings broker. The instructions say they will reach me within 90 days for next steps. It also says there may be financial penalties.

What should I do? I replied the email immediately asking for help. I am a new to Deloitte and the US

How much of a raise are you getting for 2023?

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How can I learn about investing in real estate? Any good books or articles?

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A lot of folks, this bowl included, are getting a reality check at the moment, which i think is good for learning experiences. Can’t call yourself an “investor” but the second you see a position fall +20-30% start to question or panic sell. However, if this is you, and your equity position was initiated off a whim or a blind recommendation, I struggle to feel any sympathy lol especially if you were someone buying stocks (MGNI for example) when they were approaching ATH

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I lived and worked in the US for 5 years with H1B. I currently live outside. I still have my US credit cards and bank account open. Will it cause me any trouble in the future? should I close them all? The reason I don't want is I want to keep my money in the US.

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I feel a little crazy saying this, but more money at this point doesn’t resonate. I see a ton of exit planning and boomerang threads here, but I’d take a 50% pay cut (or a 50% raise) for an exciting role. That’s totally privilege talking, but I just can’t imagine chasing extra money in PE or lateraling just for the money. No virtue signaling here at all. I actually worry on some level that I’m somehow a moron for not giving a thought to maximizing earnings.

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Interested to know average salaries
of an Assistant Manager in
Purchasing (London based).
I was promoted from Supervisor to
Assistant Manager within the last
month, prior to my previous
manager being replaced. This is my
second promotion in just under a
year at the company. Based on the
salary I feel undervalued and
demotivated (I'm on just over £30k
and have 3 direct reports in a team
of 12), particularly as my efforts to
negotiate my salary were shot down.
Any advice would be welcomed.

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Am I the only one that things Amex points are total trash? I have a butt load of them and have looked on the points guys recs and none of them look that great

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I’m in real estate tax group and looking for good books about RE fund/investments/accounting during non busy season. Any recommendations? Thanks!

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Hey all!

How much should I ask from twilio for analyst role. Might have hr round soon. Yoe 2 Cctc: 6 LPA

Domain: sql, tableau (want to switch to

data science in this role)

Also pl let me know about culture, job security and wlb.

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Anyone who is looking for a job outside India, please feel free to share your queries and anyone who is outside India please feel free to share your experience.

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No caption is necessary

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likeupliftingsmartfunny

I’m so pumped for the long weekend next week!

Any recommendations for a good mover for cross country move? It’s about a 1000 sq ft one bedroom so not a ton of stuff but can’t use PODs due to building requirements

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Wanted to share smth I found recently. I felt like it was pretty darn accurate. I’ll provide the link here but there’s a screenshot I took that I feel I can relate to quite heavily. https://pairedlife.com/love/infatuations

I’ve struggled with so many heavy infatuations before and a friend recommended this. Hope it helps anyone else out there who’s gone through this or may be going through this right now.

Post Photo
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Hi Fishes... I received offer letter from Wipro after a long wait but the joining date is mentioned earlier to my LWD, my LWD is 20th May but the joining date came for 17th May... Whome should I ask to change it...L

How's the legal market in Denver and/or Boulder right now? Any associate hiring going on?

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Any insight in relation to M&A at White & Case LLP in London?

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Hi, can you share your thoughts on what is a better option, I have following options
HSBC: X lpa (fixed)
KPMG: X+1
IBM: X+5

Work life balance and career growth are my top priority

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Does anyone have insight to Motto, branding agency?

I need ideas for a broadly appealing 25 minute lesson, to be broadcast on our school cable access channel. I teach USGov, and am drawing a blank. Suggestions?

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What do you guys think about this? Cringe or not?

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Is there a way to go into an AE role with just SDR experience at a different company?

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Is there Anybody who still does backend in php (laravel) and MySQL like I am doing,

Should I change my tech stack now

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Is it worth it to leave a current FTE perm role to work for Google as an freelancing executive producer, 6+ contract with possible extensions pending budget, performance etc? Debating the massive brand name and experience but leaving job security etc. for it

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Hey Bdo, does your current annual salary that shows up on myBdo also shows your bonus amount? Or just the salary increase?

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Anyone have connections at Slack?

How much a consultant salary is in Capgemini with 5 years of experience. @

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I joined a company yesterday. I got another offer the next day from a very good company.
The joined company has not shipped the laptop yet. Just onboarding calls are over. Can I abscond and join with a new offer? What are your suggestions? I really want to join a new offer as it's a good company.

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Additional Posts in Law

Any suggestions on starting to learn the basics of commercial contract work when it’s totally outside of your practice area but desired for certain in-house positions? Will CLEs help prove my interest?

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Summer Associate Programs: Should law schools have a summer semester and law firms do the summer program in the fall? Please discuss.

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How does hourly contract lawyering work? I’m on a contract through a recruiting firm before the company hires me directly. My pay is hourly but I get time and a half for over time. I’m currently a policy atty for a think tank and did prosecution before that so I’ve never “billed.” I regularly check and respond to emails on my phone in the evening after work. Do I include that on my timesheet??

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NY lawyers - has NY waived the requirement regarding the required number of in-person CLEs for 2021-2022 due to COVID? More specifically, are we allowed to earn ALL of our CLE credits online this year? I am licensed in NY, but practice in another state, and the state I practice in has waived the in person requirement for this year.

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This is the most basic question, so yep, I’m asking you to take it easy on me when you reply. I have been practicing for about 5 years total. I have been in civil practice for 2 years. These 2 years have been the most demoralizing, unfulfilling 2 years of my life. I have been giving myself pep talks to find the “positive” spin on it but firm life isn’t for me. I know networking is key but do you have some thoughts/suggestions on how to make an exit...crying at therapy is becoming too much.

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Whoever said employers don’t care about grades and transcripts after your first job was a liar. Every lateral position that I’ve applied to as a 3rd year has requested transcripts. Why do we lie and tell grads that employers don’t check transcripts when they do. My coworker, a 5th yr, had to submit his transcripts also to lateral job. Side note - it speaks volume when multiple associates are trying to lateral at the same time

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Is there a market for lawyers to add expertise In crisis management or reputation management? My goal is to counsel clients on how to respond to media inquiries without saying or posting something detrimental to a potential litigation while still maintaining communication with their client base. If so, how to break into that industry? Courses? Books? Certifications?

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Any other humble public servants here? How’s life?

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