Fishbowl fortune tellers! We were supposed to lock in our rate today to close ins few weeks and the feds f*cked us. Do we lock in the 7% rate and know we can still afford our mortgage or take a gamble over the lest two weeks and see if they dip below 7? What would you do? Obviously can’t tell the future and this is our first time so we have no idea what’s the best route to take.

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

How low were you able to get your student loan payments? I plan to pay as fast as I can, but I want the option for as low as possible for house buying purposes.

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

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

Thoughts on Transfix? Anyone invested?

What would you say is the minimum amount of money that your household would have to make before considering to have two babies?

Genuinely curious: How do you justify working in PR knowing that you won’t make $100k+ for 15-20 years? I’m 3 years into my career and I have regrets about choosing this field when I look at my financial timeline.

I am down $25K on $150K portfolio. Should I cut losses and leave or continue :(

Which bank account is better for salary account?

HDFC
Axis

Anyone know of any standards, or have any opinions, on naming in-house counsel as a named fiduciary of their company's 401k plan? Pros and cons?

Has anyone dealt with Peachtree Residential before? They build homes primarily in Atlanta and Charlotte.

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

Is it mandatory to submit previous employment declaration while submitting Income tax declaration. Or we can just skip this. Since this is my 2 nd company not aware of this much. What happens at the end of financial year if we don't declare previous employment declaration. Seniors kindly help🙏

Hi Folks, how much max amount we can retain back after 80c tax claims on income taxable amount. Any idea? Is it varies based on package? What is the percentage ?

Just curious, has anybody invested on affordable housing in Gurgaon, India? Or got any insight for a first time investor.

Is there a way to Pay rent via Credit Card without paying the convenience fee?

Happy New Year ! Anyone interested in bitcoin investment and NFT ?

Does anyone have 120K bonvoy points they’re willing to sell? How much?

Would ETH be the next BTC?

Have about 5k to invest - should I do FXAIX or FSKAX?

My partner is in sales in the travel industry and has been looking to pivot into media sales with a small publication. Any insight into comp structures for someone with 5-7 years sales experience with about a year in media sales?

I have more than 12 years of tax attorney experience at biglaw and big4. Are there any big4 positions that pay more than 200k? National Tax? Anything else?

Can anyone share the questions PwC AC Kolkata will ask for interview in assurance for CA as A2/SA1?

Hi Everyone! I'm looking to transition from healthcare consulting to pharma / biotech preferably in BD / corporate strategy roles, especially in LA area. Would appreciate if you can share your experience if you have made the amas transition (roles? Work type?). Looking to get a sense of what type of work exists out there.

For context, I've a PhD in Life sciences and 1.5 YOE in healthcare consulting at a boutique consulting firm

Anybody have insights into internal consulting salaries (research) versus management consulting salaries?

Please suggest which to choose

UST and CitiusTech

YOE: 5 yr

Preference: Long Term, WLB, Job Security

Tech stack: Backend, Node.js, AWS Development, MySQL

Anyone with stage IV endo and recurring Endometriomas gone on Lupron after egg retrieval? I’m still on birth control but my doc said after egg retrieval (assuming we get a strong embryo), I’d get off of birth control and on lupron for two months before transfer. The reason I’m not getting off of birth control now is because it manages my pain.

Best skills to have if you want to specialize in product marketing? Finding it hard to get actual hands-on project experience so wondering if any skills/cert training could make up for it

I am working as a backend developer with 8+ years of experience in .Net. Can someone please suggest any hands on courses for cloud technologies.P.S.- I do not have any exposure to cloud technologies.

Hi does hsbc gives joining bonus how much salary band we can expect for gcb 5 ? This is my 3rd post on fishbowl but not a single reply I am getting ..

If I have an offer on Networking Control plane domain and Dataplane domain which one should I chose for better career prospects?

Dataplane job -> 3 Lakhs higher paying than Control plane job offer.

@Cisco, @Juniper, @Arista Networks.

Hello,

I have offer from

Optum, Harman Connected Services, CGI, WIPRO, Concentrix and LTImindtree

All of them are giving package of around 18 lpa. And location for optum and wipro is Hyderabad others are in Bangalore

My joining date is near can you please help me in choosing one of the best from these.

YOE : 3.9
Skills : Java, Springboot, Microservice, Azure Cloud with React Js

How is everyone feeling about the market today? Buy? Sell? Wait?

How different are the physical requirements for men vs women? I'm thinking of the Navy specifically but would welcome insights from any branch of the military, thanks

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

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

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

I’m really discouraged. My after tax / after 401k contributions etc. take home pay is $6,500 monthly. I have $60,000 in savings / stocks for a down payment but even looking at a $550,000 home, my monthly payment would be about $3,400 from the calculators I’ve been using. Is that too high?

So discouraged that houses where I live are about 50% higher than what they were 2 years ago, and now interest rates are around 5.25% for my credit score. This is like a 1750 sq foot home

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later. Also, any regrets?

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

Has anyone dealt with financing a non-warrantable condo? About to drop out of the deal because I can’t find a lender. My finances are fully in order, issue is the building.

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

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.

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!

Buying our first home and from a friend, we are both not using realtor. How do you got about doing this, does some have a playbook I can use?

Looking to buy my first house- Would it be a bit of a stretch to buy a house with a mortgage of 2.7k when I take in 3.4k bi weekly?

Any recommendations on a good water softener system (4 people)?

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?

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.

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.

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.

Any recommendations for buying agents in Massachusetts?