Fishes, bought my first brand new construction home in California 💕 feeling grateful and broke at the same time😬😹 https://www.instagram.com/reel/Cv1FpoyPI32/?igshid=MTc4MmM1YmI2Ng==

Thoughts on DKNG or PENN? I think it’s a good long stock as more states will confirm to legalize online betting. Both have done amazing this year but wanted to see if anyone has some thoughts on this.

Do you pay your credit cards in full every month?

I ask because I’ve let my credit spending get a bit lax since moving and adopting a puppy recently, so I haven’t been paying them off in full every month like I used to (though still well above the minimum payment, and keeping utilization at 30% or under). It got me thinking about how many people adhere to this advice.

Hello fishes, will be really insightful to understand cost of living in Doha for a single person. Rent + food and other expenses manageable at 8-10k QAR/ month?

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

TC New grad Software Engineer
Base: $110k
Sign-On: $35k
RSU: $120k/3years
Relocation: $20k

Starting fresh with virtually $0 savings and $0 worth of financial literacy, whats the best course of action? any advice is greatly appreciated!

For full timers, what percentage of salary do you contribute to your 401k and how old are you?

Tax question: married filing jointly for 1st time next year. Company recommends/requires me to fill out its tax calculator. Is this required? Can I just leave it at 0? What are implications if I skip this exercise? Overpay? Underpay? Enough to maybe have a penalty? Me and wife are ~$250k/$150K=$400k total.

Ask = Any advice on how much I should invest in crypto and where to start? Background = 68K in a HYSA. 16K = emergency fund. I want to buy a car in December (for personal use and to put on Turo since I’m WFH) and I’m looking into renting a property that I can put on Air BnB. I am also looking into buying a vending machine. I currently max out my Roth and 401K. No HSA because I’m on my mom’s insurance.

Thinking about investing in a 3-4 unit building in Chicago (Jefferson Park, Avondale, Bridgeport, etc.). Is the upcoming winter a good time to do so?

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.

Are crypto IRA’s worth it or is it better to just open an account at Coinbase and invest that way?

Reporting your shares to independence reporting. Do you guys actually follow through and not trade restricted stock? If you have a separate brokerage account, what’s the risk? At what level does it matter (manager, senior manager, etc)

What do we think is going to happen with student loan deferral? Any recent new grads thinking they’re going to pay back any time soon? Some argue Biden is going to keep pushing interest pause til next election then forgive 10k as a strategy to help get re-elected? I only have 15k to pay and can pay it anytime, but no incentive to when that money can be earning more elsewhere in the meantime, thoughts on what is really going to happen?

I am not able to upload my tax declaration details from the greyHR portal. It is showing an error message since morning. Is there anyone else who is facing the same issue

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

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?

Made my first few options trades.

first lesson I learned- take profits ASAP! calls went from +100% to -20%.

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Hey guys, Can anyone please tell me if there is any restrictions on SPI in mutual funds in MS for employees.

What are benefits of working with a content strategist on a project?

What are strong must-have traits of a good content strategist?

Trying to build a case for my agency to hire our first CS!

A client (in the banking industry) is looking for what they’re calling a software/dev ops attorney to report directly to the GC. Thinking 6th year+. Would need to be based in the south. Can provide more details if you dm me.

In honor of Nurse Appreciation week, let's do a thread in support of the Nurse we work with.

What do you appreciate about the nurses you work with?

Hey there - recently moved to Austin, TX. Are any agencies hiring on their accounts services team?

Hi Fishes,

Does anyone know how long the connect weeks are going to last in fidelity?? Its very difficult for a bachelor to find a pg just for 5 days

If the internal account and project people on brand you work on told you “don’t spoil the market” and just do the basic things that had been done- what would you do?

Are we inviting these c-suite decision makers to our events? Are they showing up when invited?

L&E Arbitration folks -- Has anyone ever argued that the JAMS Consumer and Employment Minimum Standards of Procedural Fairness ought to apply to a claim? JAMS declined to apply the Standards on the grounds that the individual is an independent contractor. FWIW, the individual is classified as an IC under some laws and an Employee under others.

Completely and totally miserable at my firm and just need a space to vent because my friends are tired of hearing about it. I wish the worst part about it was the amount of work, rather than the completely toxic culture, lack of appreciation, arbitrary and back/breaking deadlines, lack of mentorship/feedback/training, and the fact that the associates act like they don’t even know each other. I cry every day and constantly am made to feel stupid for not understanding the highly technical (cont.)

How much can i expect from delloitte usi/ey gds
With 4 years of exp and offer in hand 14.5 fixed +var
Tech : ORACLE BI
C CTC - 9LPA

The week of my wedding, my husband (PL SQL Developer 4 yoe) was laid off. That was a couple of weeks ago. Luckily I'm still bringing money in as a software engineer, but I'm looking for advice on how to support a partner who has been laid off. Ultimately I think we will be ok, but I know he's hurting / stressed / and could use a supportive partner.

Compliments to Walgreens creative team. Love the new pharmacy commercial with a focus on sun damaged skin.

What is your salary for your job with a brief description if how many years of experience you have and what area of the world.

**HAPPY HOUR**

I'm in the back of Kirbys Ice House (River Oaks location) at a table with 2 couches.

You'll see the Fishbowl balloons.

I joined Persistent in April 2021, I got a mail for Persistent top talent this Friday
Anyone knows what that is? Also how is it awarded ?
Designation is Engineering Lead, experience 5.5 yrs

Hey guys, I have the first short 15-minutes call with a product guy from Hugging Face today wherein he is likely going to take a guess at what roles I could be suitable for. I had applied for Post-Sale Machine Learning solutions Engineer. Is there anyone who’s gone through the process for a similar role at similar organisations or best case scenario would be if anyone has gone through the process with HF.
I have been working for a year and am doubtful if I’m mature enough for the role. Help lol

Anyone work at Allen Norton & Blue? Any insight on salary and work life balance?

Is it normal for a Product Owner to lay out specs for how a feature should work?

I thought that was my job as the ux designer to figure out the best way to solve a need. But I’m getting handed projects where the PO, and sometimes the senior designer has laid out exactly what should happen (components used, flow, etc) to design a feature. It’s really frustrating because I don’t know if I’m supposed to be speaking up on what I think or just do the UI work I’m asked to.

Would you pay an extra ~$100/month on top of existing monthly PITI for access to $65k in equity from your home? Want to use it for either A) down payment on new primary or B) net new investment property and see if that can fund the next primary

I really need recommendations. I want to replace the through-the-wall AC units in my condo. Anyone buy ones you really like? Or rent an apartment and are happy with your (newer) AC units?

Tried doing research online but reviews are all over the place. And would love firsthand recommendations.

Interested in development. Any recommendations on how to get started? Are there any organizations that will fund any part of a development project?

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”.

What is the term for giving your home buyers a credit for immediate renovations they will have to do before or upon moving in? And how does it affect the seller?

For anyone that has bought a townhome from Lennar, are the walls fairly well insulated for sound?

What, if any, were your main complaints?

What rates are people getting for condos? I’m thinking about selling my condo (I had 3.25%) but my realtor said that the rates are so high now that if I were to buy a similarly priced place, the monthly payment would be like $800 more. I’m bad at math, so I wanted to ask here to confirm this is accurate. Mortgage is around $700k

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

How can I invest in real estate ? Looking for an additional passive income source

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?

Buying a new construction single fam house in PA suburbs. Already Signed the contract and Looking for a lender with lower interest rate. Anyone come across comparable lower IR lenders? Any insight is appreciated! :)

Has anyone used Loan Cabin to refinance? They seem to have the best rates.

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.

How big is to big for an initial investment property. Theres a 20 SFH portfolio for sale by me for about a mil. Is this to big to start with initially? I'm less worried about the Financials (feel comfortable on that end) and more worried about the managerial aspect.

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

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

In process of buying a house, both my surveyor and specialist damp contractor found damp under kitchen tiles (In the grout) & in skirting boards and up one wall. Sellers had work done initially in 2014 on the wall only(with garuntee) & their company has visited and assured there is no damp… what is next best course of action, get another damp specialist to examine independently of other reports? I don’t trust them….. (U.K. Victorian terrace, damp is in the kitchen extension built circa. 15 y/o)

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

How did you decide where to live? Have a young family, working remote, and currently living in a city. Looking to move to the suburbs but a bit overwhelmed with the number of options. Also struggling since we don’t live close to family and don’t like the areas family members currently live in.

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.