First time house buyer here and have questions. I don’t have a buyer agency and planning to negotiate the price down since the seller doesn’t need to pay for one! What’s the benefits of having a Realtor? I got preapproved for %6.9, is it high nowadays? The house has been in the market since August 2023, what are some negotiable items? Any help and advice is much appreciated. Thank you!

Does EY let you keep Amex rewards points?

Taking a personal loan of 20k or more will it affect perm (GC) process?

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

When there is FUD you buy

I recently was let go (in lieu of accepting my two weeks) and I should have received my March expense check by the end of April per the employment agreement (submitted the report April 1, let go before mid April). I have emailed HR but haven't heard anything. I've got a feeling someone at the top is putting a hold on it.

How do I get my money from them? It's a few hundred dollars

Sorry if this isn't the right bowl for this question - I've checked a few.

For a 2-year associate now tasked with senior-like roles such as reviewing and training, does anyone have advice on how to review individual hnw tax returns?

Need advice. Have some credit card debt that I’ve been working to pay off. Have made progress but want to lower it quickly. We have dual income, with a house (~$300k in equity), 1 kid and 1 on the way. I’ve looked into debt consolidation via HELOC but also have ~$80k in vested equity in my company that I haven’t touched. Get equity refreshes every year. Would it be smarter to cash out $15k-$20k of that to pay debt vs. a HELOC at ~5% given that will still require mthly payments

My firm doesn’t match my 401k — still worth opting in?

Do you think house prices in NJ will go down/up? Thinking of buying a house in 9-12 months and saving. What % is a good down payment? (First time home buyer here)

Hi - any good books recommendations for getting started on real estate investing?

What does 401k mean?

I recently received an offer for 200k€ in Amsterdam. Includes travel, 30% ruling, holiday pay.

Any idea if that is enough to cover a mortgage on a flat within biking distance from the city center without over spending on housing?

(3 small kids and a non-working partner)

Any book recommendations for learning about investing smart in your 20s?

Ways to rack up cc points/miles while buying a home?

Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from middle east?

Anyone else catch Tesla today? After months of no trading and waiting for the right time I had 10 700c I bought Friday at $695 a piece and exited at 4K a piece for a profit of 33K. Time to stay composed and wait for the next high conviction setup

I’ve been using other people’s stock site logins for years from 3+ jobs ago

Do big4s have any history of offering early retirement packages?

Anyone have good books on private capital? Tradtional Private Equity, Venture, Growth, Search - even negotiating in the space. Just interested and looking for audiobooks. Thanks!

Putting together a reading list for 2023, and reading more business and personal development materials is going to be one of my resolutions. Can anyone recommend books that should be on this list?

Do you have any book/video/whatever recommendations for how to be a good manager/lead? I'm trying to make the transition and get more responsibility

Hi fishes

I ask urgently looking for a job opportunity. If there are any in your companies please refer.
I am a financial Risk and Regulatory analyst at Deutsche

Looking for a great realtor with knowledge of East Austin. Any recs?

What's a guilty pleasure you indulge in at work?

Any Elden Ring fans here ?

Hi,
I am looking for a switch in IT industry.
It would be really helpful if anyone of you can refer me in profiles like Procurement or Supply Chain Analyst, Project Management or Commercial roles.
Data Analyst or Operations or Integrated business planning.

Current job title - Procurement Executive
Can share my updated CV asap.

Thank you.

Here to find my Holidate 🙆🏽‍♂️

I’ve seen quite a few people online talk about how digital marketing is dying or on its way out because of AI and other automation tactics. Is any of that true, or are people just overreacting?

Hi guys,

How if Capgemini Invent? Is it a different company or SL? How are the projects and opportunities?

My first time applying and getting an offer for a job posting without a salary on it, aka non-government job. $21k below what I currently make and $3k below the minimum I told them- I went for a job with a bigger title and more responsibility. Other companies need to learn from government jobs. Today I’m loving that my current government job appreciates my worth.

I’m gonna short the shit the out of Peloton, hopefully will get rich enough to buy one

These numbers are really irrelevant unless you know the agency. It would take a lot less dough to get me into w+k than say, a Translation or similar.

Has anyone ever dropped the coin for a paddock pass? Thinking about treating my old man for his 70th birthday at the 2022 Canadian GP. Worth it? Any tips along the purchase journey?

Does anyone run a business in addition to their firm? I’m a solo and I’m doing pretty well with about 60-70 billable hours a month. Though that leaves a lot of downtime. Curious if anyone has any second businesses that require about 20 hours a week. Not looking for passive income or franchise ideas though.

Does ZS roll over unused PTO from one year to the next? How do people make it work with just 15 days at first?

Hey KGS Folks,

Does employees who works for UK client get furlough leaves/year end break during Christmas? I am new in KGS, so just wanted to know.

With interest rates between 6.5% and 7.5%, it is safe to say that buyers are slowing down in their search.

I am a real estate agent who is in the process of closing on her first home. We offered $15k under list and asked for closing costs to be paid for. Granted, this is in a very small rural town; however, just know... If you have been looking for a home for the last 2 years and have not had great luck, now is the time to take advantage of the changing market. You can refi when rates drop.

My partner bought a new truck earlier this month. We’re hoping to joint-purchase our first home next spring. Is there a “best” time to get pre-approved for a mortgage? When should we start the home buying process?

So far we’ve kept our head in the realtor apps to see what the market is doing.

Rent just went up, pressure is on!

I'd like to buy, but the market is absolutely atrocious currently

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

Anyone here willing to connect/talk about buying a house in Toronto. Would really appreciate it. I am just overwhelmed thinking about it and not taking any action.

Please suggest popular areas for 2BHK affordable rent in Toronto. Both my husband and I work from home and have recently moved here. Have stayed in basement accommodation for over 6months. Would like to have a slightly bigger place.
Any recommendations please. Thank you!

Any recommendation for best brokers / banks for jumbo mortgage rates? NY metro area. Was quoted ~5.6% last week from Guaranteed Rate, but not sure if they’re brokering or lending themselves. If the former, I’d think I could find better rate going direct to lender.

What is the most difficult part of buying a home for the first time?

Buying new home first time in Austin, what you recommend to do 10% down payment or 20%. If I do 20% then saving around 60k in a year. Considering inflation is coming and house prices is going down day by day.

Seeking some advice for home buying. Went under contract on a new construction back in March, was originally supposed to be ready in August but has been delayed until November. I’ve began getting quotes for mortgage rates through lenders and the best I’ve seen so far is 5.75% (excellent credit, dp at 10%) at a 60 day lock. Debating if I should test my luck with the market to see if rates will drop or if I should go ahead and lock my rate in before Rates increase even more

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

Any recommendations for buying agents in Massachusetts?

Is buying fancy condos with high HOA(>$1k) worth it?

Any recommendations for a good water softener/filtering system which keeps the overall salt level low post-softening ?

Hi all! First post here: my husband and I are thinking of getting solar panels and battery storage but have some sticker shock (would require a sizable loan). Anyone in a similar boat and how has the experience been?

Plan is to purchase some time after 2 years or so. Primarily to save up for a larger down payment.

Here’s my plan of attack:
- $30K saved right now ($20K in IBonds and $10K cash)
- $90K saved by July 2023
-$130K saved by 2023 and target a $800K home

Location: Suburbs of Boston, MA

What do you wish you knew before you began the home buying process for the first time? What would change if you could go back to the beginning of the process?

I am brand new to the process and keep hearing conflicting reports. Should I be waiting out the market? Or is this the perfect time to buy if you can? I don't trust all these realty sites telling me I should buy now.

Thinking about using my VA loan in a few years. Any advice?