What are some tips / tricks your financial advisor / fiduciary opened your eyes to you about? Were there aspects to your financial plan that you didn’t already realize should be priorities?

I consider myself pretty financially fluent, but always am open to collaborating with a professional to improve.

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?

Are you investing today?

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

Does EY let you keep Amex rewards points?

If anyone is interested in a referral code for a Chase Sapphire Preferred card go ahead and comment so I can dm the link.

Great card for travel, points come fast and great perks for travel.

Hoping to help anyone!

Final day at current company tomorrow and I have 100k+ AMEX points I need to use before they disappear forever. How should I redeem them to get the most bang for my buck?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

First time building Roth IRA account. Stocks you think I should add?

Worth getting the Marriott bonvoy credit card with the 100k points bonus? Annual fee is $95. Already have CSR.

Hi Fishes,
Had a very serious query. In my current organization I was not under taxable bracket by any means so I didn't submit any investment declarations or anything. But I'll start a new job in 2 weeks where I'll be under taxable bracket. So will I get a chance to submit my investment declarations in the new company for tds calculations in the middle of the year ? I'm new to everything so would appreciate your help. TIA :)

How do people increase their credit score? Mine’s only around 790/770 for transunion/equifax respectively and its been like that for a while now. I have 100% payment rate, only 3% credit utilization, and 0 hard inquiries for the past 6 months or so. So far I only have credit cards, no loans yet. Thanks in advanced!

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

Do you suggest booking profits now (even if they are less) to reduce the risk profile, given that market is moving sideways and bubble might finally burst 😬

Use savings to (partially) pay for business school or invest and fully cover via loans?

Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Does anyone have any book recommendations for information on buying a house?

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

Does anyone know if Visa’s 401k plan allows for a mega backdoor roth?

Client wants to buy individual stocks for his portfolio. Don’t care to manage unfettered stocks from clients that we catch blame when underperforming. What is your response to this client?

Getting grief from boss for never attending our team social events (dinner parties etc). I don’t enjoy these kinds of events but I’m the only one on the team who feels that way (cont)

What’s your ideal realatinoship with your SE Manager? What style of leadership do you prefer from them?

Hi all. I’m a new hire as an associate tech consultant, been here for ~2 weeks.

This week, I’ll be meeting my senior manager (who is also my counsellor) in a 1:1 virtual session. Any tips on specific questions I should ask? I’m meeting him for the first time and thought I might want to learn a lot from him!

Thanks :D

My boss (atty) is so disorganized! I’ve been with him 6 months and he’s having a hard time delegating, sharing info and managing deadlines. I’ve organized the caseload to manage the deadlines. He says he wants me to help with discovery but when I offer to start on one, he says he needs to do it. (Since he might have to present as evidence) When I give him deadlines and ask for the docs he says he’ll get to it. It’s a small 1 man firm, and I’m the first assistant besides his wife. Any advice?

So I have to be vegan for a while for health reasons, has anyone else been through this and how did you survive? Lol and also please share any cooking or recipe tips if you're up to it!! Thank you so much.

Today Pfizer announced that trials show that their vaccine is 100% effective for teens ages 12-15. Do you think most of our students will get it for next year?

Been wanting to start a Consultancy that offers employment help to individuals. Any ideas on the success rate or how to start networking to have actual clients coming to me? What are the pros and cons?

Hey fishes,

Can anyone help me with the below questions on RTO-

1. When is optum planning to open offices fulltime and in how many phases are they planning to open
2. Do they provide cab servies
3. Do they provide breakfast/lunch/dinner inside office
4. Do they follow any dress code
5. Office timings

TIA😊

Honest thoughts/opinions about 22squared in Atlanta? Is their money where their mouth is, or are they all (over-)hype?

Hi Fishes

Which one is better EY India Fidelity or EY GDS Tax?

considering YOE-8+, WLB, Promotions, hikes

Approx CTC both can offer?

Bought a bunch of PS4 games at start of quarantine and never got started. Between Fallout 4, Witcher 3, Uncharted 4, and The Last of Us, where should I start?

Has anyone successfully been able to pivot to careers without stepping back after 10+ yrs of implementation work? I’d love you hear your journey and how you went about doing so.

Anyone in San Francisco today and tomorrow? I’ll like to grab a drink. M or F.

Just got another rejection... Is exiting to FAANG or MB really this hard? Trying to go tech.. or mbb, but not getting anywhere. I have 2 masters (mba, ms) from top schools, been in consulting for over 10 years, I am confident that I know my stuff well..but still I keep getting rejected. Interviewed with Google, Amazon, Cisco, McKinsey, and a few others and every-time there is something that is not a match... are the hiring managers looking for like 100% match? That will never happen!!!

I had my kind of hr round with TCS
They did not have a detailed discussion regarding the compensation .
But they told i will be getting link for uploading documents and then hr would be discussing for compensation.
Its been 2 days. No update. Can anyone guide. Why 2 hr rounds ? N how much time it takes?

Anyone ever switched to a transaction manager role in a big investment bank/ fin services bank after big law? Grateful for any advice.

How does one most effectively make the transition into management from an Individual Contributor?

I've been an individual contributor for 4 years in Tech, have 8 years of experience total. I'm finding it difficult to make the management transition despite having management experience, performing beyond expectations, and having a genuine passion for enablement and development.

I'd appreciate any success stories or pointers you can offer in regards to this transition.

I got a follow up call on an application for a "Remote" position. Talked to the recruiter and was told they planned a mandatory return to the office in the next year and the position was only "Remote" until then. Has anyone else see this?

Anyone know if Fuqua starts phone calls a day earlier like most other schools or do they wait until the release date (this Friday)?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable. Would you recommend buying new, leasing new, or buying used? If I bought used it would be anywhere from 2019-2021

Have about 5k to invest - should I do FXAIX or FSKAX?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

What are your thoughts on buying a house now and refinancing later? (Hopefully when interest rates are lower)

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?

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

I racked up about $20k in credit card debt due to a confluence of things happening at once (move, school expenses , etc ). I have a fair amount of paper assets but not a much free cash. Assets are down a decent amount with the current market cycle and I’d prefer not to sell them to cover the debt , although they easily could. Any suggestions how to handle the credit card debt without racking up tons of ongoing card interest?

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??

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

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.

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

Has anyone asked for a refund for payments made towards student loans during the pandemic and actually received it yet?

Invest in roth 401k or traditional 401k and save the difference for a house downpayment?

Any good wedding ring sources aside from Blue Nile?

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?

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?

Google stock to buy now or after the split?