Trying to think through whether it’s worth it to refinance my non-federal student loans. Currently at 4.13% interest fixed and paying $1.2k/month with just over 2 years of payments left. Thinking I’d still pay around that much per month if not more but at least save on interest. Any thoughts for or against?

How much discretionary cash do you keep around?

Which demat accounts can a Citi employee hold ?
Is only Kotak securities allowed ? Are there any exceptions ?

Please share your stock portfolio, ETF, mutual funds

Mine-
No ETF, MF
Stocks-
Wipro
Tata Power
Laurus Labs
Tech Mahindra :(

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.

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

House flip question

Hey all newbie here. My husband and I are living that Double Income No Kid life wanting to (Financial Independence) Retire Early.

Both in tech in the Bay Area. I’m in Arizona visiting family and am thinking of an investment property. Does anyone have a book/course/video that they personally have used and recommend for flipping houses? I want to do some research there’s a lot of content out there.
Thanks a bunch!

Does anyone have experience with defi yield farming? It seems like a great way to make passive income, but I’m hesitant on how I can report the profits for my taxes. It seems pretty difficult to keep track of. Any opinions would be appreciated!

When u short a stock and then they wildly miss they earnings expectations

Which trading platforms do you use in India??
As a NRI, how do you guys plan your investments?

Recently received notice from landlord rent is going up ~20%. For reference, it is privately owned condo and did not sign at a COVID discounted rate. Super frustrated. What are others seeing for rent increases?

Hi folks,

I am already covering 80c 1.5l limit by elss and pf.

Can i invest 50k only in nps and avail tax benefit under 80ccd 1b.

Tia.

I’m looking for recommendations for a bench top bandsaw. I’m willing to invest in a nicer one down the line, but right now I want to keep it under $300. I mostly see Powertec, Shop Fox, or Wen. There is a $375 Grizzly I’d consider if it’s way better than the others. Any thoughts?

Hurrah! We have 93 members! But no one posts or comments lol. Anyone getting Second Life vibes from all these 3D worlds and brand investments? A decade ago Best Buy was serving people in 3D with SL.

Any recommendations for buying agents in Massachusetts?

Side gigs. What do you do to supplement your income (besides marry for money)? I bartender but that’s taken a hit with Covid. Thinking about some kind of tutoring set up.

Looking to purchase an investment property (condo) in Denver. Anyone has recommendations on the areas that would be good from an investment point of view (cash flow positive)? I love Capitol Hill but I’m not sure what the rents are like there.

I am a traditional reservist so I never really used military benefits before, but could use advice here.

I am currently renting and my lease is not up until October 2021, however I found a good deal on a home and scheduled to close in June 2021.

My landlord will not work with me to end the lease early, so it looks like I will have to double up on rent and mortgage through the summer.

If I went on active duty orders, can I use those orders to break my lease early without penalty?

How much did you put into 1st house down payment? Saved up $40K & am just wondering whether I should put it into housing or another investment. Also,4 years out of college & thinking about grad school

I never doubted myself, but I doubted you
I'm tired of looking at myself in my rear view

I’m a really good matchmaker. Like...actually really good. I’m thinking about starting a business. Would you consider a matchmaker?

Where/ how can I learn Azure?

Salary of a solution architect in cyber security( pre sales and with RFP experience) industry with 7-8yrs of experience.

Dear people, please refer me for a business analyst role if there are any opportunities in your company. BA EXP- 1 year // Total EXP 3.5 yrs

I see most people posting from well known firms, how many people work for small firms. Like less than 100 people. Looking to connect to see how it differs from big four.

Any here sell covered calls? How often do you do it?

Is tiaa following work from home right now? Or people are joining to offices

How supportive are your companies when it comes to taking PTO for mental health days?

Any suggestions for financial planner or advisor in New Jersey area?

Anyone with a Bajaj Allianz policy? I had one 10 years ago that is maturing this month and want to figure out how I can ensure it gets transferred to my account. It is so hard to use their website or do anything with it, to get access to a help desk!

Thoughts on recording meetings. In Texas and have ADHD. I’ve been recording internal meetings for the past couple of weeks and my work product has improved exponentially. I’m able to go back and listen to the directions over again. In law school I had a note that gave me permission to do this. Is this taboo in a firm?

Does EY allow change of sub service line within Sat form TD to VME,TSE et all ?? Really not happy with my service line . just joined

New to the U.S., is the Healthcare Industry (via HIPAA), the only industry in the U.S. that legally mandates having a designated Privacy Officer? So for example, although GLBA has obvious privacy requirements, unlike with healthcare, financial institutions in the U.S. are not mandated by law to have a designated Privacy Officer?

Anything to think about or look out for when another vendor at client loses their recompete? I’m expecting lots of rebadging but new to federal and don’t really know what this is going to look like

We use Deloitte India for a number of parts of our delivery. Recently I have seen some unethical practices that violate labor laws and do not align with Deloitte principles. My manager says it isn’t my problem as they are a vendor but I can’t help thinking I have an ethical responsibility to do something. Any advice as to how to approach this without being fired?

Recruiting call: "We've had a number of applicants turn down offers because they're afraid of flying." LOLOL. That's like applying for lifeguard and being surprised when there's a pool. 😂

Is the rug being pulled out from under S&O?

Have you found using a standing desk increase your productivity? How else do you increase your productivity? I am so distracted all the time

Has anyone switched to a standing desk? Do you feel more productive? Was it worth it? Did you switch at the office or at your home?

Best business-oriented, but novel-style books with good writing, style, & interesting characters? Not really self-help/advise focused, more of actual literature with business themes/plots. Any recs?

What are some pool parties, clubs, restaurants to deff check out in Vegas?

Are any top consulting firms hiring for experienced analysts currently? I know ACN and some others are cyclical for resources 2-3 years out of college, but I’m looking to make a move sooner than fall

Has anyone used U-Box or PODS or anything similar for moving and have any recommendations? Going from a high rise in a city to a suburb 1000 miles away.

Have an interview tomorrow and wrote down some notes in my notebook on what I know about the company/founders/role and questions I have. Is it ok to bring this into the interview?

Anyone ever request a switch of ambassadors? Mine hasn’t replied to emails in almost a week, and since the merger she’s been proving pretty poor service, nothing more than I could do myself.

HR/human capital/PAS consultant 🐠: If I have a Masters degree in HR and 2 years experience, is it worth it to get the aPHR or SHRM-CP? Or is the Masters degree enough? Should I wait for SPHR/SHRM-SCP

Would you take a weekly travel project in Seattle or San Francisco right now with the spread of the virus?

AML consultants: Anyone have CAMS? If so, do you have any study tips? And do you really have to send a copy of your diploma??

Any fellow type B’s have advice for maintaining sanity while working under an intense type A? Feel like I’m losing my mind here...

What are the best data privacy certs to aim for? 4 year exp in cyber risk consulting. Want to move to a privacy related role outside the big 4. Should I go for the CDPSE or CIPP or CIPM?

Lots of us are skilled at delivery but most sales books seem to focus on the pitch and closing... What are your best resources for learning to develop and nurture strong, lasting client relationships?

I know Mck is the top for strategy, but in terms of digital/design in top consulting firms which do you think is better? Mckinsey digital or deloitte digital? (Or another..?)

any fishes in Memphis, TN ?