401k loan for first house. Taking $20k to go towards down payment and closing costs. Option 1 is a “personal loan” with up to 72 month payback. Option 2 is “home loan” up to 30 years. With the monthly payments, I lean towards Option 1. Any cons to this other than it impacting my DTI when they see these debt payments on bank statements for mortgage pre-approval? I plan on having the loan sit in savings to “season” for a few months. Does this make sense? I appreciate insight! ☺️

Anyone know if EY’s 401k plan with fidelity permits in service roll over to IRAs?

Does anyone have a financial advisor they recommend? So far I just throw everything extra into a mutual fund but I know this isn’t the smartest way. Looking for someone who can deal with the independence restrictions and help me make smarter decisions (or just do it for me)

What tax/financial gymnastics do you use to maximize the gSU benefits? I go first:

- pay the gSU vest tax by selling the newly vest stock to gain more liquidity v. Paying the tax outta payslip
- sell gSU, if u have to, after 1st yr of gSU ownership for capital gain/loss tax treatment
- use gSU as an asset to guarantee loans and mortgages. Some financial institutions accept gSU as an eligible sset
- diversify ur portfolio of u have toouch of GOOG thru buying otger stocks

your turn...

Wondering what the industry average is for a client facing support role to a 401k Advisor? We help with 80 401k plans with assets over $250 million. I have my series 65 license and I feel as if I am under compensated for my experience and being a licensed rep. I have been with the group for 2.5 years now. Thanks!

Hi fishes can you help with perks and benefits of joining maersk at Pune office.
Are there any reimbursement or work from home option available.

Offer evaluation- intuitive Surgical - Finance manager-Location - Bay Area. Base - 155k sign on - 15k. Stock 165k

I’m looking around for other opportunities in healthcare and I was wondering what other institutions’ benefit packages are. How much do you all pay in premiums?

I currently have my partner on my EPO plan at MSK and pay about $88 total every two weeks. I just want to know what other institutions are offering (Cornell, Columbia, NYU, Mount Sinai, Flatiron Health, etc).

Deloitte questions:
1. How much PTO for manager level?
2. 401k company match Vesting schedule?
3. How much % goes to pension?

TIA.

Do you think 4k monthly rent on 370k total HHI is reasonable or excessive?

Does United have something similar to SWUs (American)?? Would trade American for United if it’s similar!

I’m planning to build out a set of wealth management tools and would love to get some feedback. When planning for retirement, how would you prioritize the following (and is there anything else you’d consider)
1) early retirement - minimizing the age required to get just enough wealth/ savings to retire (I.e., your target wealth at death is zero)
2) inheritance - maximizing the value of your wealth at the time of your deaths

Tax implications of crypto trade?

Hi everyone, I’m seeking general advice on how to best set myself up for success. I’ll be entering a high earning job (200k salary) at 25, no debt or other assets. I would appreciate any general advice you guys have, as well as advice on retirement accounts:

Assuming I can max out my 401k/Roth IRA, would you guys recommend doing backdoor Roth, or just max out the accounts and then keep the rest of my savings in a regular brokerage? And why?

I am looking for a good remote telehealth job. I do not need full time hours or benefits. It can be 10-20 hours a week. Not psych. I have experience in all areas including telemedicine.

Peter Schiff is a very angry old man. Imagine if he bought bitcoin when his friend Max Kaiser told him about it in 2011!? He would be been a legend!

My origins are from chennai but brought up for 25years in mumbai , and currently in bangalore with a salary of 26.5ctc , 8.4 YOE staying in my own flat for an outaranding loan of 26.5lakhs,I suddenly have inclination and likelihood towards chennai to buy a row house or bungalow in a porsche area. Happened to see besant nagar liked it, heard adyar, boat house club and annanagar are very expenses areas. Any suggestions for this?maybe il start a fresh loan and look for a house in chennai 5 to 8yr

If anyone here is wondering how to best use their GI Bill... I HIGHLY recommend using the GI Bill comparison tool. Has anyone else here used it??

Can somebody give me a review on TE-ES-Oracle Financials team in@KGS @KPMG@

I think I like this new bowl cover photo 😃

I'm joining Byjus as SDET. Can someone let me know how the work culture and work life balance there?

Do you think we should stay locked down like this until there is a vaccine?

Why da F was qualifying on a Friday?!? Totally missed it! Hope the race is not on a Tuesday

Boss: "Aren't you supposed to be on PTO?"
Overworked employee: "I'm not here in spirit."

Sunday night me: I'm going to get an early start tomorrow so I can finish last week's timesheet and create a to-do list for the week.

Monday morning me: it's going to be cold when I leave the covers. Maybe I will get up in May.

What happens if you put in your two weeks right before your firm has firm wide holidays for 2 weeks?

Hello Fishes,

I need some advice regarding this situation and what to do. So I work for a company that offers outsourcing services to major investment banks around the world. I have been working for a new client for about six months now and they seem to like my work so far. Recently I saw that they're hiring to get people on their team at my level. My question is, should I talk to my client and try to pursue them to consider me for the role they're hiring for?

Any tips for the 30 min PE case studies? I’ve had trouble finding the balance between asking more qualitatively about the company so as to understand its competitive landscape etc to inform assumptions and just straight up asking for numbers. I guess if the goal is to build a LBO, what are okay questions to ask without just appearing straight up asking as if you aren’t thinking about it? E.g. is this company capital intensive? Vs. historically, what % of sales is spent on capex?

Have any of you taken "low bono" clients while working at a firm? I want to take on a low bono client or two but not sure who would get the money. This is a contract opportunity through a non profit so I'm assuming a 1099 will be issued. The per hour rate is significantly less than my billable rate. I would (obviously) like the money but my real objective is just getting experience/networking since I recently moved to a new state and don't have clients of my own.

Hi All, Can someone please help me to choose between CTS malaysia and Mastek .
I am not sure about mastek . Can someone please let me know how is mastek company and what is grade 6 role ?

A recruiter from Crispin P& B wrote me on linked in about an opportunity, I responded and she never replied.


Girl don’t you ever! Slide in my dms again! 😒

Last week I tested out working in the office again for the first time since last March. I thought I would love it again. I ended up hating every second of it- wasting time on commute, paying for parking, no where to eat, office was lonely, water cooler talk wasted my productivity. It was exhausting to be “on” in person the entire time. I couldn’t bring myself to go back this week. I didn’t realize wfh allows me to enjoy my job and gives me the time to balance life and friends outside of my job.

Hi Sharks
I need 11 likes for chat.

Thanks in advance.

Does LTI has their own trust for PF or they desposit it with EPFO ?

Just got my 3D shot today, fishies! Feeling magnetized again :)))))

How's technical work in cws engineering division-Digital Workplace team in Goldman Sachs for java developer?

Let's talk salary.

I'm up for a raise soon and I'm at 43,000 a year. Anyone have any advice on what I should ask for?

Thankful for good lenders out there. Just closed on a refi that we started on October 9. My lender hung in there abs even relocked me to get me more closing help. 👍

How do you get past the 10th mortgage? I’m trying to buy an 11th property and I’m maxed out. Has anyone been in this? How did you manage?

Has anyone have experience listing their home for rent? 3/2 single family home in Orlando. I don’t want to hire a rental managing company and I want to do it myself. What are the ways to list property for renting. Also any tips on how to choose tenants
I have read lot of articles. What to get personal experiences

For those in Chicago, anyone have a good rental contract website they use? I have a unit opening up and didn’t have a contract for my last tenant (luckily no issues)

Hi all- I’m new to real estate investing. What are some books/ reading materials you would recommend to learn about selecting the right investment property, things to look out for, laws etc.?

Is it advisable to rent out a furnished place? Or go with Airbnb? I want some stability and don't have a ton of furniture, but enough that I don't want to sell it or move it. Any advice? Is it more troublesome to manage and do you find renters are opposed to it mostly?

Anyone here live in Manhattan or NJ and invest out of state that would be willing to answer a few questions through DM? Thank you!

Has anyone had luck getting out of a break clause in the lease agreement due to COVID? I had to move out and break my lease but it's like two months rent 🤯

RE gurus: I’m starting down the landlord path and going to be listing my condo for rent, but got a few questions:
1. How did you all draft your rental agreements? (Website, lawyer, etc)
2. Best place to list? (CL, Zillow, Apartment.com,etc)
3. Anything else I should be aware of? (Background checks, income verification, tips, etc)

I’m just trying to get into rental real estate. Any books to recommend?

Has anyone financed/refinanced and dealt with Arvest or Cenlar as your loan services? Their online reviews are pretty rough, so am curious if anyone on here has some tea to spill 😊

Ok I’m brand new to the real estate world and want to start with wholesale real estate before becoming licensed.
Acting as the middle man, whenI have a seller, investor, and title company secured…how can I ensure access to the property if I don’t plan to ever actually be at the property? I want to have the findings, make the negotiations and get a cut for the deal but not actually be the one in person at the property. Someone advise please !!

For any of you real estate investors, what tools or sources did you learn from when getting started. Can’t find a mentor currently so want to find some highly recommended books or videos. If focused on the tri-state area (NY, NJ, Long Island mainly) that would be even better. My hope is to buy and rent out a apartment while also owning a house and house hacking that by renting part of it out. Trying to understand all the steps, traps, and how to find if it’s a good investment.

Im interested in purchasing a rental property. I have the money saved up, but not sure where to start.