Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

What other cards to add to my collection? I have AmEx Platinum and Chase Sapphire Reserve. Fly Delta so AmEx is handy for lounges. Use Sapphire for dining/travel. Should I add Chase Freedom Unlimited?

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

Got targeted for Amex platinum 100k. Is it worth it? Is there a higher targeted offer?
Considering doing it since no more personal card for BCG expenses. Also have CSR fwiw.

Guys, I had very less HRA for April 2022 till August 2022. I was showing 1 lac annual rent .I joined new organisation in sept and now HRA is 43000 per month. Would that be okay to show high rent as 30000 per month to my wife as landlord. Earlier I was paying 9000 rs per month to different landlord. @ IBM

What does anyone know of real estate in Web3? I keep hearing about it but it feels so foreign that I wouldn't know where to begin.

How do you guys set up your 401K accounts ? Since a lot of vanguard funds have bonds and I’ve heard bonds are haram to invest in? Would like opinions

Hi EY people…who is the 401k provider for you? Vanguard?

To take advantage of the next big economic downturn, should I set up a Robinhood or Charles Schwab account?

Guys, what platform do you use to trade US stock?

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Whats the second source of income for a IT employee ?

If you could right now, would you buy a house in full cash or invest in the market?

I have to support my family financially. Usually my mom cooks for the family so groceries only cost $1200/month. However, my mom is abroad for 2 months so it’s just my siblings and they can’t cook so they’ve been using my card for doordash. I think there are days when they spend $100+/day. It’s frustrating because my mom already told them the daily budget repeatedly. I’ll go bankrupt at that rate. However, it’s not like I can take my card back since I don’t want them to starve…

Trying to find an investment property to rent out for about $300k - what are your recs for location ?

It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

Hello Autodeskers,
I wanted to understand how RSUs work in your favour? I mean if I am getting rsus amounting to 40% of my package, and another company is matching the package with all fixed, should I still choose Autodesk package? How about selling them and taxation? Is it really beneficial or risky?

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

How many hours a week are you working? I’m generally clocking about 50-60 and I’m exhausted. I’m busy, but it’s mostly because no one I work with has any boundaries.

Kindly help with 11 likes to support DM!!

Hi , can someone help me with the resignation process in cgi? Do we jus need to drop a mail to manager or any request needs to be raised in the portal? And if it is just mail, then what happens if manager is on long leave for 2 weeks?

How much time do u need to prepare for ccsk?

In early stage VC. What metrics should I be concerned about at the Associate stage of my career to have to have a strong CV. Too early to be credited for returns. Board seats?

Has anyone used collagen products? If so did it work/did you see results. If yes, also please let me know what kind 🥺

Hi Fishes,
I have 1.8 yrs Exp and working in the Big data domain and have a few offers please help to decide on the comparatively better option based on salary, Work-life Balance, security, and Carrer Growth.

EY GDS: CTC 12 ( 11.20 Fixed )
Publicis Sapient: 16 CTC ( 14.5 LPA FIXED )
Neudesic (IBM) 16 CTC ( 14.5 FIXED + WFH Remote Complete )
PubMatic: 22.70 CTC + 2 lakhs Joining Bonus ( 16 fixed LPA + Other benifits, stocks, etc )

It will be very helpful if you can suggest with some reason.

Is there any job in bank Or NBFC
I have 3 years experience as a quality analyst for personal loan cases (PS : it's not a sales experience)

What is the process to resign from EXL?
There seems to be no option to create a exit request

How much can we save in Canada Onsite ? Tech lead role. Avg sal in glass door is $80k .

Looking for a good personal finance or similar book to read. Any suggestions?

I received my fnf from Accenture today. I don't know why 18k as 'other perquisite' is mentioned in income tax computation sheet?

How do you explain SOX/SOC compliance to your friends or family? When I try to explain that I don’t do Tax or Audit they’re so confused.

36mm Rolex explorer on a 7.5 inch wrist? Thoughts?

Do you have one-on-ones with your direct manager? What do you talk about? I’m early in my career, but always struggling with having productive meetings and feeling like my manager and I have somewhat of a relationship.

Anyone feel fine but their brains just won’t turn on? I sit at work staring at my computer sometimes completely unable to function for no apparent reason. This started around the end of my first trimester/beginning of second. Just me???

Is anyone aware of what the pay range is for a tech associate at Morgan Stanley in California?

Is it better to get credit at closing or lowering the overall home price?

seller is offering to lower the cost or give credit to fix the flooring

Anyone sell to Zillow? Got an amazing offer from them, but naturally my floor decided to start deforming right before inspection. No water damage - I can get someone out here to fix it ASAP, but wondering if it’s worth the hassle. Mostly worries inspector will think there’s water or foundation issues

Is it okay to buy a home worth 660K for a couple earning 325K TC together? The HOA and taxes for this home bring the monthly payment up to ~4.8K which is ~32% of our monthly take home after tax…we’re first time home buyers, any advise is appreciated!

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

Anyone want to aspire and get their real estate licenses together for a side hustle?

Anyone got a loan with Guaranteed Rate? Started looking for a condo(Chicago) and keep seeing them pop up. Looks like they charge $1290 lender fee, but wanted to see if anyone had experience with them

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

Is it common for HOA to ask you to prove your car registration is up to date?

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

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

For those that built higher end homes, what kind of appliance budget did you have?

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

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

What service do you use for collecting security deposit/rent?

I’ve been thinking about getting into real estate investing. Not right now but later down the road. I’ve been trying to save up for a down payment. What are some good resources for a beginner? Blogs, YouTube, books etc I’m not looking for paid courses because I will be learning at a slow pace. Any help will be appreciated.

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

Are the <3.5% rates gone for good?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

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?