Are there any negotiating terms with a mortgage lender as a first time homebuyer? Or do you have to ship around and hope they can match each other?

Hi Fishes, I have one question for you.

What are avg 2 sharing PG rents in Bengaluru?

On a credit file, do multiple credit cards from the same issue count as multiple accounts or is that issuer counted as a single account regardless of how many cards

From now on can we start saying WHY we think news = 🚀 🚀 🚀. Reason: people lose their minds when they see *bank/big corp + crypto* and forget to ask why the news = higher price.

Anyone have a recommended tax person in Chicago?

Junior Associates - How much student loan debt are you and your peers in these days? A few young partners and counsel at my firm were discussing the student loan moratorium and most of us were convinced we could have paid the majority of our loans off with the bonuses associates got these last two years. But we are all old and when we graduated 150k to 200k was about the max student loan debt people graduated with. So educate me. What is the average student loan debt these days?

Has your firm restored your pay? Is it worth considering jumping to another firm that is going to pay you what you’re worth? Don’t know about the rest of you, by my student loan interest rates aren’t getting any lower.

Have you ever taken a job you know you will hate because you needed the money right away? I have a family to take care of. I don't want to be plowing through our savings for selfish reasons like my mindframe at work, but I don't want to make our lives worse by being miserable. It's a matter of really ruining some of our financial future if we don't get money soon.

Plan to buy a place and currently trying to pick a real estate agent. Some realtors require to sign an exclusive service contract. Should we go with someone that doesn’t require a contract?

Hi All, how much should I expect to pay for someone to do my taxes for me? (Ball park)
- fbar
- state
- Federal

Also I moved out from MA in February so not sure if I'd also still need to file in MA?

Senior manager and associate partner at MBBKOW how comfortable are you in dubai? Can you afford a nice house, car and generally (within reason) not worry about money?

Assume wife works as manager in big 4 consulting

For those who have most of their money invested, when a building wants to see your bank statements for a new lease, can you show them that your money is elsewhere?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

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.

Looking to buy 35K marriott bonvoy points. Let me know if anyone’s willing to sell?

9 years at the firm, 3 as a manager and I just broke $100k in the Northeast region. Maybe it's time to explore my options.

Recommendation for a CPA/ financial advisor in NY? Have oversea assets and investment property in the States. Can't seem to find anyone legit on Yelp:(

For those who have most of their money invested, when a building wants to see your bank statements for a new lease, can you show them that your money is elsewhere?

Hi guys, I joined care ratings about 5 months back. However I had been asked to move from Research to ratings due to high work load.
However now the company is asking me to move back to research. It has been 5 months and I have been trying to adapt to this company. I feel like quitting this job already. It is frustrating. Any recommendations??

Suggestions to move to a market facing role as a fresh graduate with internship experience in market risk?

I'm interested interviewing for a position that was advertised as DOE. I understand this means depending on experience, but is there a range I should ask for? If they ask my desired salary, do I tell them? I haven't interviewed for a position like this before.

Any1 who have joined recently or 6 months back...Could you pls confirm if Cognizant is that negative as discussed in many forum.
1)Howz the hike goes
2) Howz the culture especially in kolkata
3)Is this right time to join there...
4) Promotions

Hi All,

I have a confusion to join cognizant,bcoz lot of controversies heard about cognizant,but i have no way,Since i had only one offer letter,also my DOJ is on November first week.Can you guys provide the view on joining to CTS.

Hello Fishes,
I joined Cognizant in July, but have setup my Goperform goals around October due to late project onboarding.
Will I be eligible for default hike after the new rules of appraisal?

How often does anyone feel burned out? At what point does anyone say enough of this shit after feeling ignored by your company? Keep in mind that this is work at home.

How's the data science team in Gurgaon? Any insights, anyone?

Oral surgeon recommendations in the area? I need to get my wisdom teeth removed.

For SAP Is coding knowledge required ? If not then are non coding sap roles are in demand in India also please share how will be the future and pkg ..thanks

Does anyone work for Children’s medical center of Dallas on this form ? I know we recently had a “employee appreciation” bonus last month before Thanksgiving but not sure if that counts as one whole holiday bonus including Christmas , or it it’s safe to expect another in mid December ? What seems to be the latter in the past ? Any thoughts are appreciated !

Any recommendations on resources for standard legal agreements such as paid talent, locations, photo releases, etc.?

Is it normal for a Product Owner to lay out specs for how a feature should work?

I thought that was my job as the ux designer to figure out the best way to solve a need. But I’m getting handed projects where the PO, and sometimes the senior designer has laid out exactly what should happen (components used, flow, etc) to design a feature. It’s really frustrating because I don’t know if I’m supposed to be speaking up on what I think or just do the UI work I’m asked to.

Hello! I’m currently a Administrative assistant now working at a major medical system in Baltimore. I’ve previously worked for 10 years as a medical assistant in a variety of specialties and primary care. Lately, I’ve been feeling a bit stuck as to my next step. Part of me want to go into management, another part is saying go get your RN, and the other is saying go into Social Work. I’m all over the place. Any ideas? And how would I be able to cross over to management?

Just arrested a drunk driver with an “I back the blue” bumper sticker on their car. The way I see it, one of the best ways to support us is to not commit crimes but here we are…

Friend asked to buy my SPG/marriott points. How would that work hypothetically? $0.027/SPG , $0.009/Marriott? (According to Points guy) & transfer to their account?

Currently doing Strategy Consulting. How is Revenue/Sales Strategy considered as a career move? Is it prestigious/important in tech companies and what’s the future path?

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”.

The threat of nuclear bombs flying over cities should crash the real estate market

How do you judge a low ball offer with how the market is changing? Earlier this year, you would look at comps and say this is the value. Now with rates going up and people pulling out, how do you justify the value? (View point from the buyers end)

Any one familiar with Ocala FL. Does it flood? Would you send your children to the public schools? Is it a good place to live and raise a family?

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

If I'm adding multiple people to purchase a property but not on the mortgage, when do they get added - do they need to already be on the purchase agreement? I heard it's easier to do upfront vs. adding them later. I've asked this question in a thread but didn't get a clear response. If someone could please help clarify - how do I add other people on the onset on buying a property? This is a new build, buying directly from the builder.

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

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

Recently freed from the consulting game (starting end of next week) with a great severance and new energy around RE. Closed our first REPE fund last year as well as a sizeable personal portfolio in a large midwestern city, all on the side.
If you’re accredited and interested in putting some $ to work in this super low yield environment, ping me! Ramping up the next fund soon.

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?

Anyone know the average annual rent increase for 1200 sqft 2 bedrooms? I’m renting and want to know what to expect in a few weeks

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

Closing on a condo soon. Need to get 1 accent wall painted and one laundry bifold door installed. What’s an average cost to expect for this. I got quotes for 2000$, seems steep. Any recommendations for contractors in chicago area?

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with

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.

Got an agent and she was useless for finding good tenants. Got frustrated and finally started finding leads myself and closing on one soon. I have signed a contract with the agent for paying one months rent as fee. How can i fight this or as he has been literally of zero value add? I will ofcourse ask nicely but wanted to see if i have any other options!

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

Is a sloped floor of 1/2” over 10’ noticeable? I have to make room for conduit and cannot trench in my current place