$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Taking a personal loan of 20k or more will it affect perm (GC) process?

If you had to guess when oncycle will be, what would you say? I’ve heard funds were disappointed by participation rates and quality last time, so I’m curious to see if they can show enough discipline to wait this year.

Marriott or SPG credit card (for the sign on bonus)?

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

Would you say Austin’s real estate market will go through a correction in 2022? I am considering there in a few months (wife and 3 kids) from a normal-priced city. While we can afford a house there, I am scared of getting into an extremely risky investment seeing such fast growing prices in 2021. I’ve read both bull and bear scenarios online and I’d like to get some “Bowl’s” thoughts. Thanks!

Hello people.
Can you guide me about what is the industry standard for an analyst role in a Mid-Level Indian VC firm which has made investments of about 3-5 crores in each of its portfolio companies? Couldn’t find much over the net for the indian scenario. I need it for negotiations.

Anyone have advice on protesting property tax increases for a recently purchased home?

Appraised value went from 540K to 700K...

For the partners/mds/directors etc how are you protecting your money with the new administration? I’m assuming Biden’s plan will help the lower class but for the upper class I’m sure there have been strategies your advisors have been telling you. I currently have 20k in savings and feel like it’s just getting inflated away.

Any recommendations on credit cards with lounge access? Currently have the Chase Sapphire Reserve which has Priority Pass, but have been turned away from lounges not accepting PP at peak times

How can I learn about investing in crypto? KISS please

I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

Welcome to the NFT Bowl! Feel free to share cool projects you've found, investments you are making and why, or shill your own projects! It's also a great bowl to network and build your own team!

To make things smooth:
1) If you see or have a cool project, please post a link to help others find it quickly without having to slog through searches
2) No one is giving any financial advice. Use of this bowl is acceptance that you will not take anything posted in this bowl as financial advice.

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

What's the deal with Droga Dublin? Is this Rothco's third new name?

Got news that my house closing may have to be moved due to a delay in the sale of my home. My partner’s income was excluded in the DI ratio, but if it were included we’d be well under the % threshold and can be approved to close on time regardless of the sale of my house. However our mortgage company’s underwriting team has been painfully slow in confirming if her income qualifies. She’s been at her new job 1 month after a year off. Anyone with underwriting experience have insight?

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Hi there friends!
I gave my round 1 interview last week and haven’t heard anything yet from the HR. Does this mean that I have been rejected? Will the HR send a mail incase I don’t get through?

Looking for a lawyer for get prenup done. Any recommendations will be helpful

Any real estate experts in the house? Thinking of making a move to Miami from Jacksonville. Jacksonville real estate is still pretty inflated and hasn’t really come down much. Is real estate in Miami following the same pattern? Or is it expected to deflate with high interest rates?

Should I take loan on my 401k to complete 20% down payment for home that I am buying or should I just go with 5% down payment and pay mortgage insurance?

If you have experience with Anaplan and are interested in working at AWS, please DM me. There is a team here in need of some people with Anaplan skills.

Do you see SAP as a stable career in the next 30-40 years?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Salary check. I am currently an in house attorney. 12 YOE. Large company with great coworkers doing regulatory work for the insurance industry. Good work life balance. I live in a high COL city. Out of curiosity and to test the market, I interviewed at a FAANG. Did not get the job, but found out TC was 350k, significantly higher than my TC 230k. I thought I was compensated fairly, but would love to see your thoughts.

So as we were the first to get hit with COVID in NY, we are seeing declines in numbers now. Travelers are cut short of their contract, our hours are getting cut, and staffs are laid off. Got a call yesterday from HR that now staffs need to file for unemployment to compensate for the lost hours. We risked our lives for this fight, now they are letting us go. Shit’s fucked.

Can someone provide insights about the work life balance in gateway and lending team. I have a offer from paytm and the recruiter informed me that I am being considered for one of the above teams. So can someone please provide insights about the work life balance and work culture?

Moving to Canada in a few months. Which banks offer the best cross border services? And is it preferable to open USD dollar acct also (domiciled in CA)? Thanks!

Are we permitted work phones? New joiner today!

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

Does TCS offer stock as part of bonus ?
Can employees (associates) purchase TCS stock?

Switching to PWC. Is this a good move? 30% hike. Currently in tech consulting(big4) to Risk Consulting- DnA (PWC). Yoe-3yrs Cctc-10lpa Pwc EY KPMG Deloitte PwC How is risk consulting in Pwc

Hi everyone,
Looking for a M&A HR checklist that includes due diligence through integration. I have one but would like to see what else is out there and compare. Happy to share my email directly.

Morning! Being laid off sux, I been down this road 5x in my career it never bets easier.

Dust off contacts and make your rounds
* if you’re in a good position to take time off do some, seems we all need a mental break anyway

Looking for a roommate in Miami to sign a lease with starting in January or February. Looking to sign a lease for a 2 bedroom/2 bathroom in a luxury building in Brickell, Downtown, Edgewater, or somewhere similar. I am clean, quiet, and respectful. I am a strategy and finance professional in my mid 20s (ex-McKinsey) who will be in the office 5 days a week. 

What is everyone's current positions going to the weekend?
Here are mine:
$BA 110p 4/9
$SPY 220p 4/20

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

Is $250 (all in) for a bed and breakfast worth it? My GF seems think so but that’s a 3pm check in and 11am check out. Not sure the value is there?

How can I learn about investing in crypto? KISS please

529 prepaid tuition plan: Anyone here who has purchased this? Would be great to discuss pros and cons. I’m thinking about this using Illinois Bright Start 529.

SBE, ABB, or BLNK for the best bet in the charging station space?

Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

anyone invested into Facedrive (FDVRF)?
Recently heard about the company and it looks very interesting... curious to hear your thoughts if you have any!

Anyone study the dividend growth strategy? How do you feel this stacks up vs the S&P500?

Would you prepay your mortgage (2.75%) or invest? Would you refinance 15 year or 30yr? I understand that over a long run, you can invest the difference and increase wealth. But it generally takes 10+ years to break even. What’s your reason NOT to do the 30yr mortgage?

This is a post to reach out to Indian professionals working in US. How do you feel about investments in India vs Investments in the United States, all inclusive - real estates and stocks ETFs
TIA

Best way to get a home improvement loan? Any red flags/tricks to know? Is it worth it if o have the cash (would wipe out a lot of savings). Kitchen and removing walls is about $80k

When determining your retirement spending, how much do you anticipate and budget for healthcare costs? This is for the US.

New to investing. Looking for any/ all tips... book recommendations, YouTube videos on how to get started

During benefits selection this year , I chose HSA for the first time and I am informed that my account is opened today. While registering on Fidelity, I am asked to chose between FDRXX/FDIC .I would want to chose from available options and invest money. Which option I should be choosing of both ? Also if I can’t chose options on fidelity, what should I do about it ? My firm opts only for Fidelity unless I’m wrong . Happy holidays . Thanks in advance

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

HELP!
If I sell a mutual fund (aciex) to buy an etf (splg) in my Roth IRA account, do I have to pay tax on the sale when filing next year? How does this work? TIA!

Investing newbie here: pros cons of getting a rental property vs investing in stocks?

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Can you please share the age of your kid(s) and how much you’ve accumulated in their 529s to date?