Can I purchase a property under mine and my parents name (on the deed) but only my name on the mortgage? Do I tell the seller this at the time of paying earnest money? How does this work?

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

Why do people accrue prepaid expenses?

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)

Love how BS credit score is. Got my score up to 800 last month only to go on vacation so my credit utilization went up to 8% due to the increased spending and my score dropped 35 points because I didn’t immediately pay the balance after charging the purchases. I always pay my balance in full each month and have never missed a payment, how is 8% credit utilization determined to be that big of a risk that my score got immediately wrecked, I don’t understand

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

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

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

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.

Not sure if this is the right place to post this but who do you all use for financial management/financial advisors? My stuff is getting a little complex with some real estate and retirement accounts.

What platform do you guys use for buying ETFs ? Can you recommend high fielding ETFs ?

I’m considering building up my I bonds to eventually replace my 6 month expenses emergency savings account. Any downsides I’m not considering? If I slowly ramp up and ladder, I can partially withdraw any amount if I need to after a year. Even with lower inflation in the future, I’m guessing it’s going to beat a savings account yield. Thoughts?

Why do firms not use vested stock options as incentive in earlier stages of career?

What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will start contributing my brokerage account.

For reference <1 year experience at $4500/month (after taxes and 401k contribution)

Can someone on a Manager salary afford a $675k house on a single $140k salary? With 20% down?

I have a client who needs a 401k, or a solo retirement account w loan options. When I was at UBS/Ameriprise, it was no issue but now it seems tougher to find a firm that does solo 401k as a RIA's.

Do we have to update the tracking and trading with details of like mutual fund, life insurance

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

Can I move to Florida the month my bonus hits and not pay any NY State tax on it? Or would I just declare that 1/12 of the year I was in Florida and get the pro-rated refund from NYS on my overall Pay

If I max out my 401k before the end of the year, I am still eligible for employer matching?

Are the glory days of bitcoin over?

Hello All,

Can anyone help me to refer me in IBM for Java Springboot Opportunity.

Exp-4+ Yrs

Tech- Java,Springboot, Hibernate

I am an immediate joiner.

My friend needs a referral for ETL( SQL, informtica). Can anyone please provide referral?

I've been told that I'll be sent to the U.S on a secondment for 6 months. I have also read that the waiting period for US visa is more than a year. Any thoughts on this?

Any tips for organizing a bedroom, closet, dresser & bathroom? My teen has IADHD, and low executive functioning. Her room looks like a land mine. Clean clothes are mixed in with dirty, her desk is a disaster, she won’t let go of clothes she’s outgrown, drawers are open with clothes hanging out. A therapist said to close her door if we don’t want to see it but it’s more than that. She needs this important life skill & I don’t know how to help. Easier to organize w/o her but that’s not a solution.

Does anyone know the salary of a PAS chief?

Has anyone gotten to the point where it is physically painful to try and concentrate? Not sure what to do at this point; had Ritalin for a bit, but I adjusted in like 10 days before the benefits went away. Now I’m scared I’ll just keep getting worse

Hi fishes,

I am trying to download my salary certificate from the alumni portal (2016) but the pdf is password protected. I tried entering my employee id but it is not working. Can somebody help me with the password format?
Thanks and miss infy a lot

I have ey gds,wipro and sirionlabs offer..which one i should join

What's a good agency to go through to do travel nursing in California?

Can anyone share their experience working with Tangerine Bank as Senior Manager for operations? Do you salary hikes and bonus yoy?How is the work culture for worklife balance. Job security and growth

What platform do you guys use for buying ETFs ? Can you recommend high fielding ETFs ?

Due to heavy rainfall most of the roads are blocked and flooded..Is JPMC allowing for WFH in Bangalore?

If there is a case that we have to quarantine again. Do you all think it is possible for store associates to work remotely? If so, what are some ways this could work? I fear another pandemic or outbreak and so many people being out of work again. I can't even fathom those that had jobs in retail that had little to no choice to not be remote.

Anyone willing to share the timeline and process for their Google interviews? (E.g., how many weeks between submitting the application and getting a screener, spacing of the subsequent interviews after the screener, etc.) I know it depends on the team and how quickly they're looking to hire, but curious to hear what it was like for the folks here.

I just got offered equity for the first time and I definitely don’t fully understand how it works. Anyone care to dumb it down for me?

What's the weirdest thing anyone has ever said to you at work? One time a co-worker divulged to me that they had a collection of troll dolls that they named and sometimes still played with.

What are the things you like about Accenture?

P.S. I am excited to Join Accenture in 2 weeks. My first switch. ❤️

Is it the worst time to buy real estate because of the interest rates?

Fishes! what are the best grounds to dispute my property tax valuation? What support should I have?

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

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

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.

Any reason why the listing agent recommend I use a specific title company?

Atlanta vs Savannah vs Tampa?

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

When renting out a property, can you specify which pets you'll allow vs not? Like no cats but small dogs are okay?

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 ?

Quoted a 30 year mortgage, 5% down for a ~600k home for 4% interest no points.

Profile: 250k salary, 800 credit score

Is this any good??

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?

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?

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

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

UK - thinking of a buy to let in either Birmingham, Liverpool, Manchester - any recommendations on either /areas where you can get something under £140k.

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?

Is it possible to give a real estate a budget you want to work with in terms of how much you’re willing to pay a month and see what they can get you?

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!

Does buyer have to share appraisal with seller? Can seller request it?