Does anyone have an example of their rate buy-down? I’m confused about how this works.

If buying the rate down is so beneficial, why aren’t people putting down 5% vs. 10% and bringing their rate rates down by 2-3% points?

Best long term investment strategy against inflation to get to a large nest in for retirement?

Potentially at an all time low - personally, professionally and emotionally. I have to believe that life’s inflection points happen for a reason. There’s a bigger lesson for me around this corner...

Am I the only one that feels like we should have our student loans forgiven? (And I used to be adamantly opposed to ANY student loan forgiveness)
Our salaries continue to DECREASE as cost of living increases (not just “no raises”…decrease!…I realize I’m preaching to the choir haha). I can barely (and by “barely” I mean “can’t” TBH) make bills, pay for kids activities, etc (also a single mom of 3, for more context) LET ALONE pay my loans…
How do we start that movement?…
Who’s with me?! 🤷🏻‍♀️😜

Need help w fam situ: Parents are divorced but share an apt in my city. Dad pays for apt &visits; mom lives there full-time & pays utilities. Mom works PT& has variable income but makes ~$40k; she has no health ins & ZERO saved for retirement. She has a condo she rents out & clears $200/mo, but she fails asset test for county insurance assistance program due to condo. Any ideas about what we could do w the condo? She's too young for medicare/medicaid. Employer ins too expensive

Can anyone share amex Bangalore location?

Anyone else holding out to 1 year AT LEAST, in order to get long term cap gains tax rate? 🙏🏻 every day passing is a day closer

I'm a masochist. PRQ tied up a ton of my assets during the last run up in early 2021 while crabbing and dumped just as bad as other alts in May. I just heard whispers of a big cex listing and put some money back into it. 😬

What pain points are folks experiencing in the digital media space? Most of what I am hearing is related to audience targeting (privacy issues) and conversion measurement (specifically attributing advertising to brick-and-mortar bottom line). Curious if “the bowl” has any thing else that comes to mind?

Anyone been able to work from Dubai for a UK/US firm and benefit from no taxes? I know if you are a US citizen you pay taxes where you are globally, but if you are British, then you only pay income tax on UK income - so if you live more than half the year abroad you are classed as non-domicile resident, but wanted to hear if anyone’s done this or heard about it?

Which alt coin should I buy in this blood bath outside of ETH, LTC, XRP and BCH?

What is the most reliable way to make $750k a year by your late 30s?

How to change bank account to receive salry I currently have HDFC want to change it AXIS

Looking to get Lasik in 2018. Recommended practices and pricing data points please!

Shifted more options profits into 250 NOK shares

Single and childless but would like kids. High income and maxing out all tax advantaged accounts I can but was thinking of starting a 529 in my own name to be transferred to future kids. If I don’t have kids maybe transfer it to my nephew. Thoughts, pros, cons?

Hi folks- Anybody has a tax accountant to recommend in Toronto? First year in Canada and could use some help with it. Thanks!

Any realtor recs? Looking to buy in Seattle

I am an associate at an AM200 firm and was (IMO) very clear prior to accepting this role that I value work-life balance and wanted to try to keep work at night on the weekends to a minimal, but since February, it seems like it’s always something that requires my time as needed disregarding “business hours” or my personal schedule. Thoughts on whether to bring this up or continue to be a team player until I burn out and pay off my student loans?

With NYC legalizing weed, are there any stocks to watch out for?

Oracle job status : screening means?

Is Deloitte India and Deloitte Usi location same in Hyderabad or are they in different in different locations?

Asking for a Fordham Media Studies graduate! What are the best ways of getting into the industry now? It's incredibly hard for graduates because of Covid.

Have interviews coming up for McKinsey- any suggestions on how to prepare? Also if someone would like to case me?

What’s up with people talking about withdrawing from retirement due to CARES Act and investing elsewhere?

Thoughts on Quinn Emanuel in Houston or Dallas?

Best west coast pharma agencies?

Hi Fishes, Can someone give an idea on how much time/days the Recruiters at Netapp take to update about the profile or give a feedback.?

Should we try contacting the recruiter to ask for the same? Just wanted to have an opinion. Thanks in Advance!

NetApp

Does anyone work at Airgas or have experience with this company (not available on Fishbowl)?

New writer on an account. Being pitted against the other existing writer on the account for every project. They take it very personally if my work is chosen over theirs

How to ask for a raise when you have more responsibility ?
Is it normal for people to ask for a raise when more responsibility/task fall under them? My company is going through separation and unfortunately my team is the one getting separated, I have to take on responsibility of another 3 people and continue to deliver the same after separation… how will you start this conversation with your manager ? Thanks in advance.

Got an email for CTC restructuring. updated letter is not shared yet, any idea what changes have been made to variable component?

Any tips for traveling with a baby? Will be flying with a 4 month old in a few months. Any advice would be appreciated!

How is Accenture’s M&A practice regarded relative to Big4 - PwC DDV, EY TAS ..

Deloitte Consulting's M&A team is hiring IT M&A professionals for their Dubai office (United Arab Emirates, Middle East)

If interested, please reach out for more color

Anyone else's district distance learning? How are you feeling about it?

I saw that Orrick had an Attorney's of Color retreat in New York. Does anyone work there who can speak on how it was? If not, is there a retreat/coalition/group for Attorney's of Color at your firm?

Best long term investment strategy against inflation to get to a large nest in for retirement?

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?

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

Looked at a house (new build) and MIL said the vinyl windows imply the whole house is probably made with cheap, shoddy materials. She thinks everything has to be wood Marvin windows or bust. Is she right? From my research vinyl has its pros too... as long as we aren’t paying like they are wood marvins. Any reactions?

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 ?

For the folks that bought an a second property (rental) with less than 20% down, how did y’all pull it off ? 10 % down payment is all I can afford.

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

Planning to call the bank today, but wanted to ask this here to see if anyone has experience with something similar.

I found a 6 unit property ( 5 apt + 1 coach house) that I’d like to buy and convert to a 4 apt unit. Is there any way to qualify for an FHA 203k loan since it will be a 4 apt unit after renovations?

Thanks!

Closing on my first home. Advice for anyone with student loans in administrative forbearance per the Cares act: once your offer is accepted have you student loan servicer put your account back in repayment status.

Accounts in forbearance, even administrative forbearance, are calculated at a higher monthly payment by the underwriter.

My fictitious debt to income ratio was too high for them to approve me, and it took seven days for my loan to be officially back in repayment. So just a heads up.

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

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

Looking for experiences/opinions on A/C options for old houses. E.g., high velocity ducts vs ductless mini splits. Seems like mini splits are way easier and possibly more effective...but seems like an eye sore. Or... is it just what a contractor thinks will work given your house? Curious what everyone thinks!

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.

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).

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 Property Management recs in Seattle area? :(

Has anyone here used New Western to buy real estate deals?

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

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.