Are these competitive rates for loan of 1.2M?

option 1: 7 ARM at 5.25% with 25% down, credit of $5574

option 2: 30 yr fixed at 5.375% with 20% down, credits 0

option 3: 30 yr fixed at 5.5% with 20% down, credits $4757

I am leaning towards option 3, hoping that the rates will get better and I will refinance in 2-3 yrs. What do you all think?

Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

Anyone here moved from Chicago to ATX? Currently in Chicago and considering making the move. I love Chicago and the general vibe here, but it's impossible to buy a home in the city that isn't a condo with a crazy HOA. I've visited Austin as a tourist but never spent more than a long weekend.

Any loan facility available in BOA

How do you renegotiate your commission rate on TD Ameritrade and it’s platform ThinkOrSwim? Is this requested online or do you have to call in? Does it have a decent success rate? Im at the original .65.

Is 94K GBP a good salary for 10 years experienced in the UK ? Can I live with my family with this package in London and save some money ?

Shoulda just sold my stocks to pay my taxes instead of holding and using cash 😂🥲. Same result - except now I have to hold longer

Best way to store coins? Best wallet to use?

My goal is to save 300k by end of 3rd year. HCOL. Do you think I can do it? Or maybe 5th year?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Any advice in terms of investment to save the maximum tax?

Been lurking on this group for a while. I’ve only traded stocks ever. What’s the best way to start with options? Any great video tutorials or websites that can help me understand the basics. I only have theoretical knowledge of options thanks to a derivatives class I did at college.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Does anyone use a financial advisor? Any recommendations?

Has anyone set up an NY 529 for their kids? Know there’s a 10k tax exemption for NY state taxes, but does anyone know if that per child, or across all children?

The wife, baby and I are moving to Greenville SC in the spring.

Would love to hear anyone’s experiences about the city and where you’d suggest we start our house search!

How much do professional, high-earning (300k+) people put down as down payment for their first home / condo in Manhattan? 20% seems pretty high given the median prices, but looks like thats standard

Buying a condo with an HOA - what’s the average reserve % you’ve seen? My HOA is 23% funded, and recently raised dues.

Hi all - I'm on a £100-110k base + bonus at a tier 2 firm. This is in the region where personal allowance for tax starts eroding away..
Wondering what options I have to make this as tax efficient as possible (legally), considering a salary sacrifice pension and student loan.
Also what are you investment recommendations? Stocks and Share ISA? What are the good alternatives?

How many billable hours per week is considered at capacity? I’m getting pushback on boundaries I’m setting about additional matters and marketing work from my firm when I’ve been billing 60-75 hours per week for the last 6 weeks, and I’m still behind on my work. I feel like it’s reasonable to not kill myself further to fit in more/turn things around faster at this point, but am I being unreasonable? I expect my workload to remain at this level through the end of the year at least.

I’ve just started to put my pronouns in my email signature and it sparked a great discussion with members of our team regarding the importance of making it a regular thing for everyone. :)

When will we able to see payslip in portal?

Any advice in terms of investment to save the maximum tax?

Went from a big firm to work for a smaller firm. The people in the smaller firm are protective of their work and are good by their work too. I no longer feel chaos or stress. I am treated with respect and my schedule is more normal. I am even working more billable hours than before, but it feels like a seamless experience. I don’t work then past 5pm or anything out of the ordinary for this time of the year. I am so grateful!

What’s the best way to deal with a partner that prefers working solo? For context, this writer I work with conceptualizes by himself, emails the Account team, gives deep input, and makes decisions for us without consulting with me (his “partner”) most of the time. While I appreciate his proactiveness, I feel excluded, limited, and without much room to co-lead the work with him. I don’t know how to bring this up without sounding like I’m b*tching about it.

How is Airbus India company? specifically for the Mechanical/ Aerospace profiles (Design/ Stress)? How are the yearly hikes at Airbus?

Hi Fishes,

I have YOE : 9 yrs in Dynamics 365 and my current CTC is 28LPA.

I wish to get insight from the community whether the package is good or I lagging behind?

Any intel how to apply H4 visa within US?
The DS160 is not giving an option to select US as location.

With Trump’s executive order today, can we get rid of the PCAOB? lol

Hello fishes

Could you please provide feedback on below companies and their work culture for a Java Developer

UST Global
T System
Yoe: 5.5 years


UST global offering 2.5 lakh more than T system

Hi Fishes,

I have given my interview in HCL and cleared 1 TP, 1 hcl manager & Client TP and Client Manager rounds .
In initial screening HR told the generic statement of 30-40% and I have given my ask as 50% minimum. After clearing the rounds I heard from the project team that Client has given great feedback and wanted to take me in .
What is the % I can ask in HR Discussion and will they reject in HR if I ask more now .
I have 9.5 years total experience and role is Storage Architect.
Thanks

Any idea how much increment and bonus one can expect this year in KGS? And how much it will be if I had joined in march.

I have an H1b which I received in 2019 and was valid till august2021, due to covid I wasn't able to travel and then I switched to another firm last year in November. If I get visa transfer, will it provide me a validity back as I haven't used any on site time on that visa.

TIA

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?

What are your opinions on financing furniture purchases? Most of the big stores are offering 0% for a few years and I’m wondering if there are reasons I shouldn’t do it

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

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

Hey hey all. I am writing a book on value creation in commercial real estate - from site selection to tenant management basically capture where industry experts see value lost or opportunities not captured. Anyone want to contribute to some insights ?

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?

My SO and me are looking to save for our first home.. we don’t have kids.. any tips from you who may have saved for your first home? Did you aim for 20%? How long did it take? What kind of a home would you recommend buying first?

I’m graduating undergrad in May and want to do real estate investing long term. Is it worth it to get my brokerage license in the state that I’m moving out of (I would want to do out of state investing) or should I just take a general real estate investing class. The goal would be to grow in knowledge about all things real estate. Also, any advice on real estate investing for a beginner would be appreciated!!

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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.

I have a rental property and my tenant is asking me to change the fridge light burb. I live out of state and don’t have property manager locally. Is it bad if I ask them to change the fridge light burb themselves?

I’m pretty responsive for things they need help with like laundry machine got broken or pantry doors fell off. So I had sent people to fix those maintenance and repair issues.

But light burbs? Srlsy? They are grown up people (fresh out of college girls)

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!

Interested in starting AirBnB in SoCal.
1. Where do I start for gaining how to knowledge.
2. What’s are the best areas to buy the property for best cash flow and appreciation down the line.

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

Bi-annual plug to say I’m a realtor in Charlotte, NC if anyone needs help buying a home or investment property. DM me!

Is it better to have SFH for monthly cash flow or passive MF deals through a private syndicate? Friend told me that you need to have $1.5m invested in MF to generate 60k a year approx but it’s much better than dealing with tenants and maintenance. Just wanted to get peoples thoughts on becoming financially free through these two real estate methods

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. 

Thoughts on Fundrise?