What’s better using a broker to identify a lender or just finding lenders on your own? Would using a broker still get u the best rates?

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

Need a quick help
While structuring the HRA if we give max limit for eg., 20k and I have rent agreement of 7500. Will this be a problem or will I just get an exempt of 7500?

I'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Does anyone feel like these cryptos and short term real time pump and jump investments come at emotional and psychological cost? Money looks too easy and it gets frustrating when you just sold something that has been stagnant for days and the moment you sell it just skyrockets etc. just curious

Had my sapphire preferred for 4 years. Can I downgrade to a freedom today and re-apply for a sapphire after a couple weeks to get a new bonus?

Guys, what platform do you use to trade US stock?

Left Accenture 10 years ago... can someone remind me what the ESPP offering period(s) were and when stock was purchased? Was it 1 or 2 offering periods per year? And what were the months of each?

Is it worth making the time/money investment to make the switch from big 4 FDD to MBB. This would require getting into and paying for a top MBA program and my net worth would be way negative after that. Are the MBB financial returns worth it? Im 26 years old for reference

Everyone keeps saying that the real estate market is going to bounce back soon. At this point I'm more likely to believe that unicorns will take over the world

what’s the ratio of equity/stocks to bond/fixed income in your Merrill lynch 401k plan?Do you make any modifications or just use recommended distribution? First job with 401k and not sure what to do!

Accidentally overpaid into my 401k (forgot to account for employer match). How can I correct this without getting double taxed?

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.

You know how when you do something bad to someone else you get bad karma w that person? Who decided who was in the wrong? What if you both think you’re right? Who gets the karmic debt?

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Does anybody contribute non deductible $$s to their traditional IRA? Should I or should I not do it?

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

Who / what do you list as your contingent beneficiary when your spouse is your primary, you don’t have children, and you don’t have anyone in your family you trust with your finances if something were to happen?

My company allows contributions to both traditional (pre-tax) and Roth (post-tax) 401k. Is it better to split my contributions between the two? For example, I could contribute 3% to Roth and 3% to traditional (my employer matches up to 6% total but that can only goes to traditional)

Anyone hear of the firm GHJ? I believe it’s in LA. Thoughts?

For anyone who has the CIPP/US certification, how long did you study for the exam?

Hello, MSL grad student here, looking for externships 🙏

What’s the attire for the privacy + security forum? Would untucked shirt and ABC pants cut it? (I’m in biglaw, by the way)

Has anyone been successful negotiating a “breach notification costs” provision in contracts with vendors? What are some good args to include it? I feel like vendors generally flat out say “no”, but I have seen some contracts where vendors were willing to include it and I’m wondering how that happened 😁

What's the difference between band 7a and 7b?

Hear about the guy who threw away the HDD with BTC addresses worth $127M?

Has anyone resigned from deloitte india and joined deloiite usi or vice versa??

I am trying to make the transition from a large nonprofit public media organization to a small agency. I’m currently interviewing and it’s looking real promising. However, it’s a whole new world for me! Any tips or suggestions???

Hello Friends, I have 2 questions please help to clarify.

I am joining in CTS on September last week so when i will be considered for appraisal ?

And also for variable compensation I will get in this March right? For this we don't need to wait for a year I guess.

Hey everyone. I'm joining JPMC next week and was wondering do they provide a budget to purchase your own laptop/equipment. My manager said they don't provide laptops and that I can use my own. My laptop isn't the best so I would want to buy a new one.

Do meds work? I'm skeptical. Prescribed wellbutrin but haven't started yet.

Hearing h1 extensions aren’t getting rejected all time high. I just submitted my extension ☹️

Hi Sharks,

Wanted to know your experience of applying for jobs abroad. For those who converted and joined abroad, did you apply for jobs on LinkedIn? Which platform would be the best for a senior data scientist in India. Also I get 30 lpa now, is it worth going abroad? Can we save more?

Thanks I advance!

So I recently graduated in the fall semester from school, and I am now trying to find a entry-level full-time position in my field. I graduated with a BA in Cinema and Television Arts; specifically in Entertainment Media Management. I wasn’t able to do an internship because of work and personal stuff. Does anyone know any good tips of what entry level positions I should look into?

Want to warn stakeholders that their hostile, posturing emails with our main client CC'd is only going to backfire (main client ❤️ us). emails will no joke prob get some of them fired. #restructuring

Got laid off on Friday. Three days and I'm already bored out of my mind. Besides Jim, what are people doing to pass the time in between job hunting?

Does anyone have the inside track on what when/how schools will reopen in NYC?

Top 10 books to read about consulting life ?

Anyone use Onenote and have best practices to share? My notes are a mess and I’m trying to get organized.

Any good resources on how to set up an account management strategy? Step by step guide, best practices, etc.

Best ergonomic chairs for neck and back pain that aren't $1000+?

So, which one of us will now advise ERCOT and help out on improving the Texas grid reliability? Such a shame the grid broke down - were the folks not prepared?

Purple v. Nectar? I’ve had problems with Casper (chemical odor)

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

Looking for book recommendations on strategy/strategic thinking. Something along the lines of Contagious but open to any options. Thanks in advance!

3 Day PTO starts now...my buddy's bachelor party. Forget you, utilization.

Can someone help with the base salary range for a 6+ years experienced finance professional with FRM and CFA certifications in Big 6 firms in Advisory practice?

Also, what should be the expectations for joining bonus during the current times?

Anyone else decline Green Choice? I've realized the points aren't worthy a clean room.

Book recommendations for a vacation?

Anyone work in the business transformation group in industry?

EY and Guidehouse federal fish, how does using PTO factor into your utilization score? Does it count against you like at Deloitte or do those hours get removed from the denominator before calculation?