For those interested, our company provides commercial loans to businesses including start ups and investment properties. Feel free to ask me anything :) happy to connect.

What is everyone’s top 1 or 2 favorite books on personal finance? I’m always looking for a new one to bring into the fold of what I’m doing

Best long term investment strategy against inflation to get to a large nest in for retirement?

Hi fishes, could any one help me on how to withdraw of money and how much can be withdrawn ?

Why so red? Any stocks good to buy now?

Does anyone have experience with out of state turnkey real estate investing? Would you recommend any companies? I live in Sacramento where prices for real estate are inflated so I can't buy local.

Any tips or tricks for a first time home buyer saving for mortgage trying to avoid pmi? Any advice appreciated. Cont.

Ok, I haven’t done an HSA previously, but considering it for my family during this next open enrollment. What do I need to know about high deductible plans? How do y’all feel about the HSA - any downsides? I’m honestly a little worried about the higher OOP costs, but we’re also not significant users/consumers of healthcare, knock on wood. Anyone regret it and go back to a normal PPO/POS insurance?

Anyone start later in life? About to turn 32 and my retirement savings are sad.

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

I be wanting to go off but then I check my bank app, calm down, and keep working.

Just gained some shares of a new stock due to a spin-off. I have owned the original company for years. Can I sell these shares now or would they be counted as short term capital gains?

Does anyone know if the 10% penalty and if taxes are waived on a death of a beneficiary? A friend of mine’s 17 year old pass away. I was wondering due to the circumstance, is there any way he can get around paying extra money by doing a 1035 exchange, rollover, withdrawal. Anything out there? Suggestion are welcome.

Any investor interest in Healthcare SaaS Startup?

Investment: $500,000
M/M sales now: $12,500

Hey folks I applied for a credit card they were asking for official mailid is it legal to provide bank mailid for credit card processing?

What stocks are you guy guys buying right now in this market?

Holys*it, the seller accepted my offer, i’ll be owning a condo. Surreal! Did i make the right decision in this environment??? 😱

Amex gold or chase Sapphire preferred? I need a card for international travel to avoid foreign exchange fees. Please note, that I'll receive a $150 credit towards the Amex annual fee due to having a corp card. I'd you my capital one checking, but no rewards/benefits there.

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 Fishes,

If the gross CTC is more than 120K in Poland, tax will be 32% right?

Are there any other deductions apart from this?

My assumption is, we get atleast 68% of our gross. Are there any ways this can further reduce?

Does Deloitte negotiate on salary for undergrad Federal BTA?

My husband is a big 4 consultant in the US (M level, 8 YOE). Thinking of option to relocate to Indonesia. Can you guys share what is the total comp in Indonesia for his level please ?

Kind folks, I have 3 yoe in the Cyber security domain. Currently earning 7lpa. What should be a target salary and highest variation I can target?

Hi all,

Anyone at Truist have any insight to salary range for a corporate treasury analyst position?

Asking before interviewing

Thanks!

Hello Folks, I have completed my Technical and Managerial rounds last week and got the confirmation from consultancy that I have cleared the interviews and will schedule a call with HR as per availability.
My question is usually how long does Nagarro HR takes to release the offer ?

I'm working on skills to reposition myself from a branch of tech where certifications are mandatory and required to even interview into DevOps or software development. I'm currently taking some online classes in Jenkins, docker, python. I've found a few certifications you can test for. I'd love to be able to go into a mid level position vs Jr in the next few years. A) Are these types of certs helpful or useless? B) what skills differentiate Jr and mid level positions?

Getting 2110€/net a month in NL for working as a technician… assembling and testing. I have rotating shifts also. Do you think it’s okay?

I know this is going to differ greatly but wanted to get an informal survey here of what the hours are like in product management. If you are a PM, can you state your level (early, mid, late in career) and average hours per week worked?

What’s the comparable Audi to the bmw 540 and which one (Audi vs BMW) is the best bang for the buck?

I am currently looking to accept new roles for a job. I have an associates in Accounting have an 8+ year background in accounts payable and am about to receive my Bachelor's in August for Business Management and Economics with a concentration in entrepreneurship. What would you think would be considered a fair hourly rate or salary?

I need 11 L to connect with friends.plz help me to get that

How’s the LES? Would you live there?

To all the post-9/11 veterans, it’s a somber day that unites us all in the reason we fought. It’s easy to forget - especially with the younger generation having 9/11 be a history lesson rather than something they lived through. The waters became muddy with two wars and politicians, but you all stepped up and did your duty. Thank you all for your service, it’s an honor whether we crossed paths or not.

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

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

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?

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!

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?

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.

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.

What’s a fair calculator to know your affordable mortgage?

One online have a wide range in what’s considered “affordable”
Pre bonus and equity I earn 110k/yr in Wash DC.
I’ve seen 33% net income, but honestly $1650/mo CANT even get a 500sqft condo on rent.
30% gross is $2750/mo 😱
Others say I can afford 600k houses but that seems irresponsible and ridiculous.
My current rent is $1750 for a small 1bd1ba (cheap) but I’m sacrificing my safety in my neighborhood. No frills apt.

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

Any recommendations for buying agents in Massachusetts?

How much is 2k a month for a house payment? What size loan would I be able to get?

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.

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

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.

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.

Anybody here a FTB in London, UK?
If so what kind of mortgage rates are you expecting?

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