Have some decisions to make: should I put 20% down with a higher interest rate since it’s not an insured mortgage, 10% down and get a lower interest rate and/or use the first time home savers incentive from the Canadian government. Help! I have the numbers but would really love advice from folks who have been here before.

Just checked all the assets and realized we're close to 1M€ net worth. Most of it is on the house, don't feel rich at all.

Any PAs that have another stream of income outside of their PA job? Like business/entrepreneurship or IT?

Looking to buy a property mid-2021 and need advice on what to do with my savings that I’m building to purchase the property. More info in the comments

Have any of you hired a financial advisor to help plan your retirement strategy? If so, how did you go about finding one? I’m recently married and thinking if it’s worthwhile hiring one..

Why does everyone go for Vanguard ETFs over Fidelity? FXAIX has a higher return and Sharpe than VOO over the past 12 yrs. What am I missing?

What motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

Anyone else into Bank Bonus churning?

Can partners at EY consulting buy as much equity as they desire?

i’m at work literally stressed about $3.5k (spread across there states) and this is why i can’t stand state taxation.

how you gonna shut down a business license over $100?!

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! :)

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

Specific question for fish based in the UK.
Could you let me know what your employer contributions to your company pension scheme are?
For instance, they contribute half of your contribution up to a maximum of 3%. Before any tax incentives etc.
Interested to see the variances, it seems to be substantial from what I've seen. If it changes with level/seniority, please make that clear as well so we can differentiate between companywide averages and individual circumstances / positioning.

If you follow the cryptocurrency market, or even have been just taking an interest lately, with the Bitcoin "halvening," you should check out Pi.

If you haven't heard of Pi, it's a new cryptocurrency (like Bitcoin), developed by a bunch of Stanford PhDs. What makes it really interesting is that you can still mine this coin, using just the processing power of your phone, unlike just about every other coin out there. (Contd)

Hi y’all! I’m a financial educator and my job is to help families in need of financial education! I help anyone on learning how money works here in the US & how to get rid of debt! I offer financial products that help you protect and grow your money. I’d love to help you out in reaching your personal financial needs!
I’m also always looking for people to hire!

Guys, what platform do you use to trade US stock?

Does anyone have an idea on the best emerging markets to invest in before the recession hits? Is gold, or any other commodity going to be the safe haven as well? Thanks everyone

Hi Fishes!

My cousin has moved to another company from DXC technologies.
In DXC, PF amount is not credited in to EPFO directly.
We have UAN and it looks like not activated.
How can we transfer PF amount from DXC to EPFO portal?
There is no relevant response from DXC till date.

Diversification is for protecting the wealth but concentration is for creating. Agree or disagree?

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

What type of wellness benefits (outside of insurance) does your school offer?

Hi Folks, Got an Offer from Qualcomm for Software Engineer role, wanted to know how are stock refreshers and bonus and appraisal at year end ?

Hi,
How is the work culture in Schlumberger ( SBL ) account in Capgemini for the automation testing guys.
Appreciate your response.

Would you take a freelance gig that would be a promotion (with potential to join full time) with a smaller company whose values you really agree with, OR a full-time offer for a lateral move with a larger company with teammates you know and trust? Of course factoring in all the nuances of covid. TIA!

What are the hours like for a program manager in the Bay Area?

How is the manager role of Deloitte India for analytics and cognitive practice? Anybody from this practice who can help me on this decision please. How is wlb, I know mine is going to be client facing and that I would be expected to do more that just project work but does that mean I would have to work on getting projects for practice or how it will be?

Hi Sharks,
Can anyone please refer me in Deloitte India pune ?
I have 12+ years experience in telecom domain.
Skills Unix , shell scripting, SQL,plsql, microservices , keycloak,apiman,kibana,redisrabbitmq installation and configuration, problem solver and good communication skills , project deliveries in agile methodologies and consumer interaction.
I am looking for senior business analyst or senior technical lead position.
Appreciate any help!!

Ladies - few girls in finance date guys in finance, even though each one of you are dating material. Top 2 things wrong with guys in finance? Be nice...

My parents have literally no idea what I do for a living lol

I am currently working at KPMG as an Analyst. I want to do my MBA in HR and Operations. The feedback that I received from people is that growth in HR is slightly restricted and that HRs don't get hikes (while switching) similar to that of Consulting or Finance or Marketing?

I am not solely interested in HR and am open to other domains as well.

How long would it take an experienced web developer to build a basic website like something you would see in square space/webflow templates assuming Figma designs were already made?

Hello Fishes,

Recently received offer from Oracle Solution Services India Private Limited and base location mentioned is Bangalore. Just was curious to know whether we have to go to office physically for the joining or we can join virtually as I am not in Bangalore. Also is this offer different from Oracle or is it a branch within Oracle.

TIA

Do we have any generic certification policy at HCL for upskilling.

Not talking about project specific or where RM needs to approve, as this tech (cloud) is something I want to learn, not part of my day to day work.

Litigation associates - what are some of yours best billing entry phrases for preparing for and taking a deposition?

1L checking in, hoping to return to Atlanta for my summer associate gig. What’s the vibe in Atlanta on law firms requiring the vaccine/masks? Are mandates still a thing?

Blue shield of CA fired 375 people. Any other insurance companies having massive layoffs?

What do you guys think the salary range should be for a 5th year lit associate at a boutique shop in NYC? Sophisticated clients, mostly international work, well known in their practice areas. Obviously it’s not going to be market, but still curious as to thoughts on rough ballpark. High 1s, low 2s? +/- ??

Is it fair to say once you’re an LS consultant you can always fall back to a tier 2,3 firm? For context I’m looking to go from consulting to a hospital implementation role.

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

First time home buyer and I have no idea what I can afford. Excellent credit. I know to get a preauthorization before looking but want to skim homes the meantime. Any good rule of thumb when searching?

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

Anyone take the WI Real Estate state exam? Any tips on what to study?

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

I would like to learn more about development and real estate. Can anyone recommend any books or courses that you think are informative. Eventually I would like to own a few apartment buildings, but I know there is a lot I need to learn 1st. Any advice appreciated. 

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

Due to a family situation we are looking to move to a different state. Normally we would sell our current home and buy a new home in our new location. However, with todays prices and interest, will it make more sense to rent out our current home and rent a home ourselves vs. selling and buying immediately when we move? We are moving from Vegas to Sacramento and we are not sure how long we would stay in the new area. Thoughts?

I went under contract last fall for a new build that will be done later this year. In the contract the seller/builder included a clause that gave them the ability to change the price without cause anytime before the house is complete. This past week they invoked that clause to increase the price by like 7%, supposedly due to material costs. I can either agree to the increase or they return my deposit. My question: is that type of clause even legal? (Cont)

Is it common for HOA to ask you to prove your car registration is up to date?

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?

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.

How did you get started with your personal investing in stocks? I am 26, F, have some money in savings, 401k, stocks and just started my own business albeit small. I’m extremely interested in real estate investing have been reading and listening to podcasts. Any advice?

I'm under contract for a new build in progress that won't be done until much later this year. I fully expect interest rates will be higher than what I originally estimated. I may or may not try to lock in a good rate early, but I'm planning on renting it out and this throws a bit if a wrench in my margins. I can take it financially, but wondering, If I absolutely needed to get out of buying it, what recourse do I have? Or could I go ahead, and refinance later (who knows rates at that time...)?

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

Is it safe to buy new home now with high interest rates ,high home prices and recession in near future?

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

If u have a house under my name if i move it to an llc what happens? Do i refinance to prevent a due on sale clause?

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.