Does anyone have mortgage lender recommendation for primary residence/first time home buyer?

Hi Fishes!

My cousin has moved to another company from DXC technologies.
In DXC, PF amount is not credited in to EPFO directly.
We have UAN and it looks like not activated.
How can we transfer PF amount from DXC to EPFO portal?
There is no relevant response from DXC till date.

Was just on a call with my mother who claimed someone helped her bought an investment target that has high consistent return (>25%) without loss to principal and low risk. Is this possible?

Am secretly freaking out because she doesn’t know what she bought. It is her own money but I wonder if it is my place to step in…

Is there a home buying group for Seattle area?

When contributing to a 529 plan in PA, in addition to being able to deduct PA state taxes on the contributions, can we also deduct the Philly city tax?

Hi Folks. I am a single and planning to move to Seattle. Need some recommendation if 130k is good enough to live comfortably in Seattle.

Does anyone have any book recommendations for information on buying a house?

Is an IPO in anyone’s FIRE strategy? Maybe this is specific to the Bay Area, but it doesn’t seem that unrealistic to negotiate enough equity to make $1.5 mill off an IPO. Or maybe I’m dreaming 😂

Currently at $200K base salary (31M) - after taxes, expenses (including vaca), and savings (maxed out 401K), I’m leftover with $30k-$40k. Is this average? If not, how are ppl saving more?

Has anyone taken up the Personal Capital investment management service that they offer?

They say they will manage my 401k but to do that they will require my credentials that I use to log into fidelity. Is that normal? Has anyone here done that before? Any feedback or experiences of using them?

Which app do you use to buy stocks? Is cash app safe or should I go the old school route of Fidelity or Charles Schwab?

First time investing:

1) When I sell my stocks and have capital gains, how much do I pay in taxes? %?
2) Are Boeing shares worth it?

How do you find lenders? Should I pick a realtor first?

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

For any real estate investors

22 years old and currently focused on using my left over income to invest and pay off my debt. I am set to pay off my college loans by next year and, when I do, I want to look into investing into real estate. Does anyone have any suggestions on how to get into/learn more about real estate investing? Or how I can have enough knowledge on the topic to be able to invest wisely when the time comes?

Any books? youtubers? etc. How did you all learn about it?

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

Experts - I understand tha LEAPS help with liquidity amd magnify the returns but I am unclear what are the tax implications (Fed LTCG and state tax) when you are ITM and exercise LEAPS. Can someone shed some light on tax implications of the LEAPS? Thanks.

Anybody have strong feelings about BAT? My friend just put his life savings in it, and I’m trying to talk him out of it...

I am currently waiting for the job offer for a consulting firm but I was told it could take several months. Between now and then, I have plenty of time for myself. What should I be doing to prepare myself for the new job? Any recommendations for newsletter/industry reports/books/ coursea courses? Thank you all!

Hi, can someone please suggest which one to choose?
Citi - C11- 20 LPA fixed
Eurofins - Senior QA - 22 LPA fixed + 1 LPA Variable
YOE- 7 years
Automation Quality Analyst

Have been working in consulting as a technology analyst for almost a year strait out of school. Strongly considering making the switch to software engineering while I can still apply (1/2)

Things are apparently going to get better after a client will be leaving, I’ll get to work on different brands but I am feeling pretty burnt out from the agency I’m at. Will new clients help? Or should I look elsewhere. Been at the agency almost 3 years, I feel like I need to switch things up for my sanity.

The consulting company EY is hiring people with experience in pharma to be consultanta for their newly established pharma line consulting. It is a good opportunity for those looking to enter consulting

Ok, so how bad are the side effects from IVF stim injections and the aftermath from retrieval? Thinking to use some sick or vacation days for the worst times but not sure how many and when.

Is it possible to practice M&A law outside of NYC?

Taking BEC in 3 weeks. What are some heavily tested areas to focus on? How serious should cost be taken? The Becker questions for cost are time consuming.

Hi! I interned for Deloitte last summer, starting full-time this summer, and currently working a classified government job in-between. Will this be an issue during my second background check? Should I bring up to recruitment that I was contracted by the government in-between, or just leave it be? Thanks!

What’s your theme song? The song that helps you get your head in the game when you have a big hearing or meeting

Most South Asian names seem to be anglicized in the US. Since it seems inevitable, any new parents have experience with getting ahead of the curve & going with an anglicized version in birth cert?

What’s making those of you who want to go back to India want to go? I hear the work culture and bureaucracy there are the main reasons people come to the US.

Any book recommendations to gift my cousin sister? She studied (masters) psychology and is a trained classical dancer.

What do PPMDs spend their hard earned money on?

I heard that Stanford and UCLA are offering online masters program. Is it really worth and also what's the eligibility criteria and fee ?

Best recent healthcare books related to improving our broken system? Atul Gawande’s books are a bit dated now I think.

Just finished An American Sickness again. Thank you!

Is it normal to pay for monthly OB visits while pregnant? I have BCBS and thought they would be covered 100%?

When you finally got your CPA license how much has your salary jumped ?

Hi Fishes,

I'm working in Wipro last year on 25/11/2021.. i have joined Wipro as fresher TRB band but still i didn't received any hike and band progression till now... I have not joined through campus placement... Please guide me when I'll be eligible for hike ...

What is a rough first offer from AWS L5 Engagement Manager? (Base Salary, Sign-On Bonus, Cash Bonus, RSUs)

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. 

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

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

Any one knows what’s the easiest way to order a radon test for new construction?

How long did it take you to buy your first million dollar home? What were the steps you took to get there?

My dream neighborhood is 10 min down the road but entry point is 1.2m. Currently my house is worth around $550k

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!

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 in the DMV suburbs (northern VA). Is this the wrong time for such a move? Beyond down payment, got about 6mo emergency fund and must tap into it for moving&house expenses like furniture

For people who recently refinanced, bought or is in the process of buying a new home, what APR did you get?

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

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”.

Any downside to buying a 1bed 170k starter house instead of paying 1.5k in rent for a couple of years? Living with parents and thinking of getting a new place post covid.

I'm able to buy the house all cash or at least 50% down (credit is low) and assuming closing costs are not that big a deal at this price point. If my math is correct then buying comes out to be better in this situation but I've never owned any RE before so wondering what else I might be missing.

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

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?

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

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

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

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

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

Do you thank your tenants for paying the rent? A quick thank you text?