First time home buyer here. Buying a new construction home due to close in August. Should I do a long term rate lock now? It's 1% of loan value to lock for 6 months.

Which credit cards and loyalty programs should I target?

Info:
Married no kids. Spouse and I travel domestically for work 1-2/month and 4-5/year for leisure (1-2 of those int’). Both American & Marriott status holds. One joint Chase Preferred card.

Wants include:
-upgrades on flights/hotel
-lounge access on flights/hotel
-reduced wait times (boarding, check-in)
-all the freebies 😉

Any other tips/tricks appreciated!

Hi all, I’m in the market for a used luxury car. Which would you choose: 1) 2014 Lexus RX 350 with 100K miles for $19K 2) 2018 Audi Q5 premium with 81K miles for $20K OR 3) 2016 BMW 428i xDrive Gran Coupe with 40K miles for $20,000. I want a nice car that isn’t expensive to repair and I can trust and won’t regret getting

I started as an account manager this year. $47k salary no commission. Did I get robbed?

Freelancers- how do you set your “business” up for the most tax savings? LLC vs. inc, etc

My background check just came back as under consideration… also someone else’s name is all over my background check… should I be concerned?

What to do with 10k emirates miles and 600 Avis car rental? Expires in a week

I'm from Baltimore, and lately, we have had a crazy buying spree, I mean I have sold the same property 2 times in less than 2 weeks, and the person who bought it immediately put it on the market and made an average of $25k in less than 5 days. Many reports show that investing in Baltimore and Philadelphia is the future, I don't doubt it. What is the fastest you have ever resold a property?

Trying to reduce the number of individual stocks I own. What would you get rid of? DIS, TSLA, LIT, APPL, SQ, NVDA, AMD, CRWD, PYPL, FATE, IDN, RIOT, T, ZM, FEYE, PLTR, ITB, DAL, SNOW, SHOP, TSM, NOW

80 C includes PF and VPF
In ADP portal, however, I don't see any option that says how much of 1.5Lacs is filled up by pf/vpf. I get options to include elss, ppf, HRA etc etc.
How can I make sure my 80C includes pf/vpf?
(I invest 30K monthly via pf,epf,vpf (10k each))

An undergrad relative of mine just received an offer for 65k in Raleigh NC. Is that a good amount for a genZ without student loan debt to live comfortably off of?

Not mad that student loans being paused means I can use the money for Christmas. Are you still making payments during the pause? Or are you saving the money for something else. My christmas present to myself is a spa day!

Given COVID, do you think watch prices in the secondary market will come down (e.g., Breitling and Rolex)

Hopefully the crypto market bounces back up. Everything is down. I wonder who will the top gainers for the summer will be?

Do you plan to retire outside the US? If so, how does it impact your retirement age?

My wife has EU citizenship and I also have a citizenship from a developing nation (cont)

What do you think are missing from the personal financial management apps??

Hey 🐠 any thoughts on the best oil/petroleum stocks to buy or should I wait a little longer?

100% return on Square (SQ) in one month. Don’t touch it, or sell half and let it ride?

I locked my first house-residential 30-yr @3.275, closing Mid-May. Not sure what to do. NY is in lockdown, can’t even move if decide to proceed, will the rates go up, will house prices drop?

Do you think if Covid cases will increase after the spring break is over?

What is the dress code in sap labs?
Formals or casuals ?

DM me if you’re looking for a referral to work at Dell Technologies. Global offices eligible

Well it seems clov has become the new favorite overshadowing my bb play. Any clov holders?

Hey fishes, i am an assistant professor in MBA, with 5 years of experience i want to change the domain and company. What's the best way to switch domains.

Hi Guys,

I have an offer from company A and I cleared technical rounds in company B. Now company B hr is asking to share Company A offer letter.
Can I send a copy of the offer letter?

Thinking about starting a bible study this year.. would love to have one at work. Any advice? Prayers are also welcomed

Anyone know anything about Salesforce Global Professional Services and if it’s a good team to work on?

Anyone heard of or have experience with Winter Harbor consulting? Being reached out to

I have 2 offers as mentioned below. Can you please suggest which one is better to join considering current offered salary, annual increments/promotions and work life balance since I am planning for a long term association.

BMC Software
Offered CTC - X (fixed) + 15% variable (mentioned in offer letter) + 1.5 Lakhs joining bonus

Barclays
Offered CTC - X+1.5 Lakhs (fixed) + 8-10% additional bonus (HR told but amount not mentioned in offer letter)

Hi,
My name is Abhijit Srivastav and presently I am working in Accenture in a contract basis employee as a transaction process associate.

I have one question it will be appreciated for your valuable comment.

After my completion of contract of 1 year does Accenture gets me as a permanent employee???

Thanks & regards
Abhijit Srivastav

Currently at Big 4 management consulting post-MBA. Have offers with MBB and FAANG (strategy). Similar comp. Which would you take?

Where do we find base location mentioned in TCS offer letter? I did not find any location mentioned. Is it normal?

Is an offer legally binding? Will I be taken to court if I reneg?

Hello..

Can anyone here let me know in details about intra comapany transfer process ??

IBM India to IBM X (UK, Canada, etc...)

Left public accounting this year after 5+ years and looking for 10-20 hours of flexible & remote accounting/auditing/etc. type work. Message me if you have any opportunities that may fit this description. I would love to help a small business, but am open to anything fitting my vague guidelines.

Has anyone done solar panels? If so what company did you go with and deciding factor? Trying to decide if I should go for it while tax credits are available. Any I wish I knew, gotchas, etc that I should consider?

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.

Anybody know of a website where I could see rental vacancy rates, historical trends etc. if I am willing to invest in a specific zip code?

Question for my fellow fish, thinking about buying a new home and putting 10% down instead of 20%. Only because I want to have some extra money laying around for new home items I’ll need. Then after 3-4 months of PMI my plan is to call and drop the other 10% in a big payment to remove PMI. Is this something I can do? I also think if I do 10% down instead of 20% I can get a lower rate as a first time home buyer.

Looking at two identical condos, each 1900 sq ft, however one is a duplex up and the other is a straight condo. My preference is to go for the one that doesn’t have a split level as it means the space is (or appears) relatively larger. However, the duplex up is going for quite a bit more so was curious which would appraise better and which would be preferred by most buyers since I plan to sell the unit in 5-6 years?

I share my first property with a family member which is my primary home. If I buy a second property (and keep the first property) and live there, does that second property now qualify as my primary home?

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?

Do you use drone photography and videography more frequently? What kind of prices are you paying per property? Do you guys use matterport virtual tours?

Folks, we recently went to a new construction showing by appointment and it completely slipped my mind to let the showing agent know beforehand that I have a realtor. We like the house but now the selling agent is saying the NJ law doesn’t allow us to work with our realtor but with this him. Ofcourse this guy will have his vested interest in selling the house. What are my options in this case? NJ market

What are some of the REITs you have invested in? Any suggestions on things to look out for while researching REITs?

Who fills out the condo rider first? Buying a property off market and feeling confused. How can I attach a condo rider to an offer to buy if I don’t have that info on the condo myself?

Looking to upgrade my backyard. Anyone ever used Yardzen before?

How do you all handle smart (light) switches ( or other similar smart home features) and accounts when handing over a rental to a tenant? Do you give them the account so they can use it and control smart home? Is there a good way to do this?

Hey 🐠, I’ve been very interested in starting to own and rent out properties, I’m in NYC but willing to look other places. I currently own my first home, have two kids, partner and I work mid manager

I'd like to sell my condo in Central NJ but I've never done something like that before and feel a bit overwhelmed / intimidated by the process. Adding to the complexity, it's a deceased parent on the mortgage, not me. Is a realtor someone that can help? How do I find a good one?

Anybody have a 5/3 bank mortgage? On my credit report, there’s a remark that says payment deferred, but I’m not under any such plan. It’s also showing certain months without check marks but doesn’t say late PMTs. Ive paid ahead one month. Any suggestions why?

Is it worth to buy a place in NYC?