Any chance that lowering the interest could actually cause a housing price decrease?

All the homeowners who feel “trapped” by low interest rate mortgages may flood the market at once. Given the already elevated home prices, there might be a chance that supply may actually exceed demand.

Just a fun thought experiment

Has anybody invested in Yamuna gaur city or planning to do so?

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

Pranam Fieshes ,

How to declare tax on joining bonus? First time got joining bonus , how to mention it in tax declaration . Please help

Your lovingly,
Fish

Guys, tell me the top 2 stocks to buys for long term (5 years) according to you. Will be investing in stocks for the first time, as it is impossible to resist these low stock prices

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

First instinct this morning... put more money on coinbase. Hope by the time it clears I still catch the bottom.

Is flipping houses worthwhile? I like decorating and renovating, so I'm thinking that maybe I could go into this and try my luck.

Is it a bad idea to buy my first home given the current interest rates?!

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.

[Help]

I started trading during Covid crash. Started with equities and eventually moved to options. Earlier lost a month's salary and then lot more trying to recover it. Currently have lost my yearly salary worth and it's affecting all aspects of my life (job, marriage, health). I have tried to convince myself to consider it a loss but always get back trying to recover it.

Any advice how to deal with it. Thanks.

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...

When investing in a Vanguard Roth IRA, can you only invest into the Fed Money Market Fund (VMFXX) which is default? Or can you select other funds such as S&P (VOO)?

I’m loyal to delta, but I’m moving to a city where American is the main hub and Delta has practically no non-stop flights to/from there. It’s time for me to open a new credit card, so I was considering the Citi/American one. Any thoughts?

Pro tip: live close to poorer people to feel rich. The feelings of wealth are extremely subjective and is mainly based on comparison

Hey Fam, I’m thinking about doing DIY investing/passive investing. What broker should i use? I already have a wealthfront account. But I’m thinking doing it myself will have less fees. Thoughts?

Thoughts on UBER stock price? Likely to remain flat or possible dip with uncertain market?

How do you all plan for retirement while in the Middle East (especially for European folks)? Did you sign up for your home country retirement plan while abroad ? (My home country offers it but at a very high cost)

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later.

How much household income should be to buy $1M house? Also what is the approximate down payment? I know 20% is the ideal but how much do people typically pay.?

What would be the hike percentage for getting promoted from Associate consultant to Consultant?
Will I get the promotion percentage + year end cycle hike percentage (let's assume that I am getting 3 rating) or just promotion percentage?
YOE : 6+

Got an offer of 8LPA from JPMC for the role of Test Analyst. YOE - 1.4 years, Location - Malad, Mumbai.
I would like to know how much I can negotiate with the HR on this offer.
I don't have any other offer in hand.

Anyone have good resources (online or book) to learn about the finance function?

Student Enrollment Swaps/Withdrawals. Do these things happen in your CTE program? Can it happen at anytime? Do you get a say? Any other rules or standard practices?

Quiet firings are happening through out the industry right now. Agencies have become better about hiding the layoffs and firings. Not a good thing…

What % of settlements do you take home as an associate? Trying to gauge what I should be seeking in my next contract. Currently at 3% split prorated with all handling attys. Is this normal?

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

Hello,
Is there any vacancy for Dynamics 365 crm/ power platform developers with 4 YOE?
What should be the expected salary range?

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

Valueslabs, Mindtree, Genpact, Fiserv , Birlasoft Cts
Which one should i choose for job security ,wlb and carrier growth ?
Yoe - 4 year Dot net
All of them are almost giving the same ctc?

Hi Guys,

I have also cleared the TCS Interview The salary has also been discussed. They asked me to Upload the documents on IBegin portal i did the same last week but still did not get an offer latter. The Documents also verified on the portal@.

Can anyone suggest, how much time they take to release an offer.

I asked for a raise and instead got laid off. Told that after looking into finances not only can they not afford a raise they cannot afford me. But I know for a fact they are replacing me with an Agency that say they can run our Social Media for 500pcm. Is this normal practice these days?

Need leads for 2bhk flat for rent in marathalli and Whitefield, can anyone ki dly provide leads please

They should really poll the associates to seed ideas for holiday party locations...

Rising 2L here…Just found out yesterday that one of my top target law firms is not participating in OCIs (they don’t have offices in my state). Any advice on the best way to move forward with them? Still planning to apply, just want to know what I should be doing. Thanks!

Recent cases of PERM approved within 5-6 months? Submitted in early June, hope to get approval by EOY.

From a financial standpoint in this market, which would be a better approach in Austin -

1. Buy a ~8-850k house that meets most of our ideal criteria (size, schools, interiors etc) to stay long term

2. Buy a ~5-550k house that’s not ideal with the plan of moving into an ideal home in 4-5 years when kid is ready for school.

How easy is it to get a mortgage for the second home?

Household income - 300k

Happy to add more details as needed

Thanks

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

Any potential flags/benefits for dual agency? My agent and the seller's agent work for the same company.

Anyone ever had the trim on your house painted? 2000 square feet, was quoted $3500. This included the trim, garage door, and front door. Seems reasonable, no?

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

Looking to buy in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

Can anyone recommend a solid lender in Westchester County single family homes? Low rates, good service, easy to deal with.

Who is still in denial about a housing correction? The Fed just made another .75% increase. Powell said they won’t stop until inflation is 2%. He also said a recession would be better than the consequences of unchecked inflation. He announced he will bring rates to a “restrictive level” until “the job is done”. He said that labor demand needs to soften (ie: layoffs). He very explicitly said he wants to slash demand and that housing needs a “correction”.

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

I thought the answer is yes but now double checking. Can we write off the interest we pay on our primary residence mortgage?

Any investors in the woodlands Texas for single family homes, rent looks good as per Zillow , good school district and houses are still affordable compared to Dallas and Austin

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

Hi guys! Looking to learn about real estate investing! I am a senior in college graduating with a degree in finance so I understand certain aspects, but am looking to learn more on my own about real estate specifically!

What books would you recommend I read?

How can I invest in real estate ? Looking for an additional passive income source

(1/2) People who work in the Bay Arae peninsula (Menlo Park) and live in the east bay- which is a good place to buy a house, upcoming, easy to rent or Airbnb in case I have to move back to my country! Prefer single family home as young as possible.
1- brentwood
2- Pleasanton
3- Dublin (expensive)
4- San Ramon (very expensive)
5- what else?