Any suggestions for central NJ housing esp. when it comes to finding upcoming new construction single famiky? Feel like this market needs a correction given everything is 1.2 million or above

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Hi. Does anyone remember the provider of our 401k and wealthbuilder? Trying to rollover accounts but benefits express is closed!

What platforms do you use for your investments?

I use Zerodha for brokerage and Kuvera/Coin for MF investments.

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 😊

I’m new to freelancing. Does anyone have any tips/resources to figure out how to do taxes?

High risk, low reward investment ideas?

Anyone willing to share thoughts on National tax- unclaimed property at EY?

Received an offer from EY but didn’t find enough information to get to know about it.

Obligatory financial info post. 1) size of firm, 2) billable requirements, 3) salary, 4) bonus, 5) quality of life, 6) debt, and and 7) family/married/single. Go!

Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

Didn’t invest in LTC early on, it went down to 260 today - worth pulling the plug on it?

What is the point of a savings account if year-over-year inflation exceeds the APY rate?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

I’m trying to buy my first house and my wife and I have a few IRAs from previous employers (Roth and non Roth). I read I won’t be penalized if I take out upto 10k from my IRAs for a first time house (except for taxes on the non-Roth accounts). Anyone know how true this is, how the process works, or have any advice? Is it a good idea

Thoughts on whole life insurance? Worth it?

For those maxing out their HSA, how many of you are using it on health expenses v saving it, and why?

Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

Was there ever a time you wanted to give up being a real estate agent?

Hello, I am new to canada and looking for a data scientists job, referrals would be much appreciated. Any advice for new comers? Thanks!

Hi Everyone! Looking to learn more about the management consulting strategy arm in Big 4 - would love to have a chat and ask a few questions.

Thanks!

Didn't end up making the cut in Strategy consulting case interviews. Would really like to do strategy / S&O some day. I love using data to inform decision-making.

Wondering if it would make sense to continue consulting in implementation then try to pivot again in the future or at another level - or drop consulting & try to get a strategy job at a startup or maybe do something else at a larger company and try to pivot internally.

Background is tech + MBA. Any insight appreciated!

Anyone pivoted from consulting into the aerospace/defense sector as an engineer?

Mphasis & EY same package
6year exp, Post - senior software Engineer
My priority is wlb and career growth
Where should I join??

Anyone with experience in the beverage industry willing to advise me on how to launch a beverage business - including regulatory requirements, licenses/permits needed, potential costs/investment required and building a tactical execution plan for a pilot launch? Happy to pay for your time within reasonable limits. Please DM with a proposal. Thank you!

Where in dc is fun to go out on a Wednesday or Thursday? My team travels in and I’m never sure!

I have been given with a case study to solve. Its a secondary research based case study.
I have to share an output in a ppt.
Are there any hacks to solve it?

Been here several years. Only just clicked to me how predatory Big 4 are.

Business model is to use cheap, underpaid labor from college grads who can't go elsewhere or pay debts. Churn em and burn em.

How is John St these days for accounts?

Does the sf office have lockers?

Anyone going in on VNET?

Hi Fishes,

I am an engineer with Post graduation in Marketing from tier 2 college.

I have 1 year and 3 months experience in SAP SD. I am planning to switch to a product based company for a Marketing exposure to continue in that domain .

What could be my salary expectations?

Hi Team,
As offer letter employment mentioned with Nagarro Software but they designation offered at Nagarro enterprise software services Ltd. (As per Google search ,its unlist company in India).Could you please clear what does mean it ,every Nagarro offer letter looks like that?

Anyone on here working/worked at Moderna Norwood location? What are you experiences and do you recommend? Are there any “buts” or red flags?

Biggest email pet peeve? Mine is people who end with "Let's discuss."

Can I still get a job if I struck out of recruiting this year but got a balling review and a third year?

My realtor looked at a unit for me, and shared the video w me. I’m interested. The unit is on MLS. Then he posted on his IG story seeking buyer. I’m kinda annoyed because now I may have competitions since he is my realtor OR should I be ok for him to do that since it’s equal playing field on MLS?

What are the mortgage rates you guys are getting? Best I’ve heard is 2.5% (30year fixed) curious if anyone has heard better?

Home depot or lowes for kitchen remodel? Avoid ikea?

I see two crowds these days. One thinks housing market will crash. The other thinks housing market will soar.

The contrarian in me makes me think this is a decent indication that housing market will stagnate (or increase minimally) for a few years.

As a general rules, I feel like the majority cannot foresee a crash/surge coming. The prevalence of such expectations would hamper the pre-conditions necessary for such a dramatic change.

How accurate is AirDna rentalizer revenue and occupancy (assuming you are best or at par with top area listings) - specifically in big city suburb if that makes a difference. Looking for any and all opinions of airdna rentalizer

Commercial real estate question. When a residential property will likely zone commercial in the coming years, do we, the owner, wait for a buyer/developer to contact us?

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.

Worked with an agent on my first deal, great. Second deal now and I’m getting my license myself. I’d like to use her as a backboard for ideas and don’t mind giving her a “finders fee” or something but would like to capture the commissions myself. What would be the normal way to have this convo?

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?

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

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Couples without kids, how do you justify buying a house and paying school taxes? Almost all of the good residential areas are with a high school tax. Just curious if childless couples can ever buy and live in nice areas or rent forever

Is there any YouTube channels someone wants to recommend which are found to be authentic in terms of wanting to follow the current housing market updates? I’ll be a first time home buyer in the next 12 months.

Recently bought a house and spent a ton of money on my renovation… now I am cash poor… feeling uneasy at the moment…

My clients wish to write a testimonial/review for my RE broker services. What is the best site/medium for this? Yelp? Google Review? Zillow? Facebook?

I have significant equity in a property (300k+) and maybe another 200k across other properties. I have a decent amount of money in cash and already 200k or so in stocks. Would you consider pulling money through cash out refi and using it? I get nervous for stocks being so high. I have a few properties in pipeline already. How would you suggest using it (if at all).

Can my vacation home be 45 minutes away if it’s at the beach? Or does that look suspicious? I want to get in for 10% down and lower rate than an investment home

Does anyone have experience managing an out of state property yourself? Are there any tips/services you use?

What's common % for Property management fees? I've seen anywhere from 6.5%-10%