Has anyone been able to lower their mortgage rate with their current lender without refinancing?

Can anyone tell me where I can declare a home loan in the Payroll portal?

I am a little confused...

Hi, I have 2 offers below,

1. 50lakhs per year in Bangalore
2. €105k in Netherlands

Considering the economic crisis due to war, inflation etc. I am confused on which one to select. Please guide me.

Quick question: Can we ask HR to revise pf contribution to minimum which is 1800/month

planning to sell my 2 BHK flat in Rahatani , near kokane chowk..if anyone interested ping me so can share the details. Thanks!

Any thoughts on the ETF, OGIG (O’Shares Global Internet Giants)?

It is from Kevin O’Leary’s fund.

Folks making more than £100K: How do you deal with the 60% effective tax rate on the 100-125K bracket? (HMRC gradually reduces your £12,750 personal tax-free allowance to £0.)

This is the first time it is happening to me. With one month to go until the end of the tax year, I'm thinking of making a one-off extra pension contribution next payroll.

Any other effective strategies with only one month to go?

Would you buy a brand new car in cash?

At what point do you start paying taxes on your side hustle?

Any McK fuel people in here? Kinda curious about this segment in reference to deal structure. Is it all commercial debt?

Long-time hodler (btc, eth only) feeling scared for the future of crypto as more info comes out about tether and bitfinex. Help!

Client referred me to thier mother. Has $68k coming due in cds and wants income. Money is qualified. Refuses stocks. Wants some money short term. Any ideas?

If I invested a small amount through a SAFE and the company is now kicking off a seed round that will be a priced round, should I invest in more in the company before or after this seed round? Assume I have the money and the risk appetite - just want to know if my money buys more before or after the priced round.

Just got a little tipsy and impulse-bought a $2,000 82” tv. Hope it’s worth it.

What all methods to save tax on a 22 LPA salary (fixed including PF both employer and employee) apart from standard 80C, NPS, insurance and home loan, etc

Hi, amateur question. Is there any difference tax wise on letting an option expire vs sell for nothing? I assume both are tax losses that you can compensate with gains in other options right? TIA

Stock market, Crypto Predictions.. for next 2 months ??

How do you invest and save for your children? I’m thinking about setting them up with custodial brokerage accounts but don’t want them to have a heyday at 18. Did you create irrevocable trusts or?? They are too young for earned income and I don’t own a business so no IRA investing opportunities here.

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

$RKT - ceo was just on CNBC and said founders/employees own 90% shares outstanding and there is a 40% short interest as of 1/15/2021 (MarketWatch). Could be another opportunity.

Had my virtual on-site for an S&O L3 role 3.5 weeks ago (NYC, 5 YOE). I haven’t heard back on a decision yet, and was wondering how long it typically takes? I also know that I was one of the very first candidates to interview for this specific role, and there are atleast 2 more people scheduled for onsites. Does the recruiter typically wait for all candidates to finish their onsites before communicating a decision? Or if I haven’t heard back yet, it’s probably a reject?

Does anyone else find it absolutely hysterical that people group MBB/FAANG/PE/VC for the prestige-oriented folks and they never include BB IB 🤣

What book have you read that was helpful for your career and/or that you would recommend? Could be a technical book, management, etc. For me, it’s a book I read a few years ago: The Phoenix Project. I never thought I would read and like a novel about DevOps but I recommend it to all my managers.

If job posting pay was $36.66 hourly (no range) what would be an acceptable offer and counter offer?

Fishes! Currently working in one of the big 4s. They are planning a stupid townhall on May. Is it like really mandatory to go to these meetings? Do they fire you if you don't :D

What is the best way to reach out to your in house agency ? I want to share our call for artists . Do I have go through HR? Or is there a place I can simply post an announcement ?

What is the questions asked in Google program management role? What is the pay scale?

Need 11 likes for DM .
Thanks everyone.

Is anyone else struggling to find motivation today? I just can’t bring myself to care about anything work related. I’m trying to push through but it’s hard today.

Any opinion on BTS comeback? I got very mixed feeling..

Friday Wordle 328 3/6

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Hi all,i have been taking interviews for my department since the last 3 months.Should the company be paying me for the extra efforts?

What is the average % for annual appraisal and bonus will get in KGS?

Hello friend,

Any one abscond the notice period in EY.


I Just join - 3 month.

Any one can help me for same what get happened if I do same.

Thanks for you advise

Need a new suitcase. Should I go with a Tumi or Rimowa?

CAIA vs CFA?

Decided to payoff my mortgage.

Do y’all do 15 year or 30 year for your portfolios? I personally plan to have a “job” or “career” for both the next 15 and possibly next 30 years, so should I just do 15 years to get a free and clear portfolio earlier? 25 year old and just getting started. Have a duplex in a major market (looking to refi out of FHA), and eyeing other opportunities now. I don’t “need” cash flow, so should I try to just build equity?

My assumption is that one makes money in RE with leverage. So, would you never let your equity in any given property get above certain% (I.e re-leverage and invest elsewhere) or would one eventually want to own a property outright?

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! :)

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.

If anyone has problems with leaks or anything facade related I work in facade restoration, preservation, rehabilitation, retrofitting in NYC. I’d be happy to discuss potential solutions.

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?

Looking to move out of California, and considering buying a townhome in Atlanta for ~$650k. Any thoughts on the Atlanta real estate market?

I'm a first time home buyer and got pre qualified back in Jan. Hard pull on credit docked me a few points. I wasn't able to close and now considering another hard pull for a different mortgage company offering better rates.
I'm new to this and this may be a stupid q but I'm looking for input from the bowl on whether to do this hard pull and get pre-qualified with a few more mortgage companies. Any advice is appreciated. Thank you

Better mortgage vs. Rocket mortgage - anyone shopped with both and what swing your decision?

I heard you need to show a net worth of 100% of the loan amount. Have you heard about this?

Finally got an offer accepted on a home I love! (In DC) Spent months searching. Next thing is getting to the closing date.

Now I feel super anxious about everything going thru and getting the keys. How difficult is that process of getting to close, have heard the underwriting portion could be a headache?

Are the <3.5% rates gone for good?

The threat of nuclear bombs flying over cities should crash the real estate market

If you living currently in a home and looking to buy another home but plan to put only 10% on the new home, can I pay the remaining 10% after selling my existing home in 1-2 months .. and get the PMI

Good cities/neighborhoods to invest in around Dallas? Looking for a SFH with max price around 300k. (w/ 70k down)

We just moved into a 50 year old house. We got the popcorn ceiling removed in the garage plus had the walls done. We didn’t use an official asbestos expert because of the price.

The horrible, dirty people that lived there before us left us a crappy mess. Hope we are not exposed, nor the neighbors.

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.

How long did it take you to purchase your first rental property once you started looking? I’ve been working with an agent for about a month with one offer not accepted, feeling discouraged

Is there an investment fund or group that anyone knows of? I heard of Fundraiser but it seems very convoluted. Looking for an investment group or development group to invest with