Tips for refinancing a car I’ve had for 6 months. I’ve paid on time for every month but I’m paying $600/mo on a loan with 15% interest? I owe $25K. Will the original bank, Chrysler Capital, consider it or do I need to find another organization?

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Please post your crypto portfolio.

Mine - Btc(10%), Eth(75%), Ltc (leftovers)

About to get a base salary raise from $100=>$150, what is something you couldn’t do at $100 but started doing/recommend doing at $150?

*24M, no student loans, no debt at all

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

Laaa laaaaaaa lala wait till i get my money right (just accepted a PE offer woo)

Why is there a culture of young realtors only? As a 40 year old realtor, I am far from retiring! As long as properties exist, I'll be here

Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

Has anyone here ever gifted a stock? Do you know the process? (Especially on Robinhood or Fidelity)

Would love to get insight from folks here as I’m not quite sure what to do. I currently have around 14K in student loan debt and enough saved up to pay it off in one fell swoop. What I’m struggling with is whether I should invest that money into the stock market (thinking less risky S&P 500 ETF) and pay off my student loans monthly with the average payment being around 1000 so I can pay it off in about 16-18 months (due to interest being around 5%) or pay it off all in one go?

Is anyone nervous about the whole Russia situation and how that may affect the market if an actual invasion takes place? Do you think it makes sense to take out investments just until things settle down, or even assuming the fed will increase interest rates? Thoughts?

Hi,
Anyone has idea about remote consulting opportunities in Kuwait. I mean how doe sthe tax structure work for the location? Would be beneficial if someone could help me understand it better.

How to transfer PF after joining new organization.

Why do people accrue prepaid expenses?

What’s the most you would feel comfortable spending on rent in BH/WeHo for a 1bed at $250k TC and no debt?

I am working as a sde intern at a startup company.
They asked my account details for paying stipend.
I shared my savings account details.
Will they pay me in my savings account?
1 month and 4 days over not yet got the stipend.

I work in field sales as an IC. My aspirational career path is to end up in people leadership. Recently, an Inside management position opened up that’s been brought to my attention by the hiring director. Question is, is going back Inside the right move to get into started in leadership? Or should I continue down the field path and wait until those field management slots open up?

Are there any books or other resources that mid levels/seniors/counsel/partners on here have found helpful for the project management / managing junior attorney aspects of your job?

I am not finding a lot of stuff written for lawyers specifically , but there is a lot directed at “managers” in business generally that I imagine could be applicable.

Good morning! :) This isn't a job I am directly recruiting for but a friend of mine is recruiting for a client who is seeking an HR director. The only challenge here is the industry that the client is in. The industry is adult content site. Anyone interested? I hear good benefits and flex schedule. DM me and I can connect you with the recruiter.

Hello fishes, can we buy land/plot to save long term capital gain tax?

Anyone have a wedding planner they really enjoyed in the DFW area?

Worst part about being unemployed is the pity face everyone makes when you tell them. If I hear one more "don't worry you'll find something soon" I'm going to scream. Trying to be helpful is one thing but pitying me helps no one and makes me uncomfortable.

Dreaming of switching from account management to film directing. Any advice?

Anyone here know/work at Facebook? Recently applied to a program there and would love to connect and chat further

Tips on how to start an upward feedback conversation? The SM on our job is making the team miserable. Not a bad guy, but I think we will all benefit from him being made aware of the team's concerns

Hi friends,

I'm a new joinee in MSFT.

People in my team they don't come with me for breaks. (They blame the timings are different since they sit in crits but i don't think so because they have their own group of friends to go with)

Secondly, when my team members see me in cafeteria we expect they'll sit with us but people here are being rude they directly go and sit with their friends they don't call you to join. ( atleast they could have said they are accompanied)

People behave unpleasant

Power of DSA And FullStack.

From Lower pay to whatever I deserve.

2014 3.2 LPA

2017 8 LPA

2018:14LPA

2020:40LPA

2022:80L + ESOPS

I joined TCS 2 days back. Today I got the better offer from Deloitte. What should I do? Should I resign from TCS and joined Deloitte or stay with the TCS.
Please suggest.
YOE:6yrs
Stack: Cloud

Hello fishes.. has anyone felt like joining another organisation via moving away from my comfort zone , later regretted thinking, should have stayed in comfort zone itself

I’m taking the CFP exam Nov 8th. All tips/tricks welcomed !!

Thank you so much.

Hey everyone! Anyone did BCG gamma hackerrank online test?

healthcare promotion from EM to SM in your firm? trying to calibrate expectations....

Which one of the two has more long term monetory benefits/growth? Working as a product manager or working as a software developer. I need an honest opinion.

24 yr old, 110k TC, maxing out Roth IRA and Roth 401k, no debt or large expenses. Also have ~35k sitting in a bank account. What should I do with that money?? Am I better just sitting on it for a while then watching it shrivel up in my brokerage account?

Hi - AMEX sign up bonus is higher than ever. DM me if you would like a referral link, I’ll split my bonus with you as well :)

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

Seeking feedback on GAP insurance. I had a family member who purchased a car in June or July. They were in an accident last week and it sounds like the car will be declared a total loss. Never dealt with this before, so wanted to ask if anyone has ever had an instance where the insurance didn't cover the outstanding balance of the loan and the insured then owed money? Car was $35k, $7k down, finance $28k. Gap insurance is through lender, not auto insurer.

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

Live in a HCOL area. Looking to buy in the next year. The least I can afford to buy would put a mortgage at 40% of my monthly take home pay (post tax + max out 401k) but 25% of gross income. Will 40% of take home pay make me house poor?

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Currently maxing out my 401k and HSA and investing about 1k/mo in ETFs. Also recently started buying I-bonds given inflation. What are other things I should be thinking about?

Anyone have a recommended tax person in Chicago?

Have an acquaintance who is a single mom; she purchased a used car 3 mos ago. Six wks later her 17yo wrecked it, air bags deployed, and estimates have ranged between $10-$18k in needed repairs while $21k is still owed. Acquaintance was switching insurance policies and flubbed the coverage dates and there were a few days where the vehicle was uninsured. No GAP insurance. I'm not seeing many options for her besides to continue pmts, fixing just enough to drive or voluntary repo. Thoughts?

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

Google stock to buy now or after the split?

I spent the last 3 months "growing up" & now I'm ready to go. 1st thing is for me to get my own place. I'd like to buy instead of rent because I don't want to pay someone else's mortgage.

I'm thinking of selling my car & cash out some of my 401k to buy a house. My thought is to put down 3.5% for a FHA loan then make a big payment towards the principal to reduce long-term interest.

Anything wrong with this thinking or anything else I should consider?

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

Paid off my account debt!