Hello! Any Illinois realtors here? I am planning on becoming licensed sometime in May or June (if all goes well). I don’t plan on doing this full time and would love a honest opinion about a good brokerage to apply to. Any recommendations?

Anyone have thoughts on capital one’s new card compared to CSR?

Engagement Ring insurance - I just spent a good chunk of change on a pretty rock. What’s the move for getting this bad boy insured?

Crying for my RSUs….started at my company about 6 months ago and got some RSUs split over 3 years. Turns out the stock price at time of my hiring (which is what was used to calculate the number of shares over the three years) was the highest it’s ever been. Stock price has been cut in half since then, along with my RSU value. 😭 how do I cope?

I should probably know this, but are companies required to refinance their debt if they are acquired?

Looking to put some $$ in a mutual fund and forget. Any best performing funds to recommend? I have crypto and individual stocks already.

Black Lives matter...

Only when it comes to collecting taxes, huh?
Only when it comes to crimes, huh?
Only when there a budget cuts and y'all thinking of who's the first to go?

THINK AGAIN.

🤬

Student loan debt free!! 🎉🎉🎉 Paid off my MBA loans today. Feels so good. Now time to focus on saving and investments.

I’m 28 years old and have a net worth of $110K. My yearly salary is $115K. Is that good or am I totally off course?

Can anyone advise - if I did not file taxes for 2019 and 2020 is there a way I can file without receiving a penalty? I just didn’t file them no great reason. Nothing complicated and I probably owe a few hundred each year in fed taxes. Nothing crazy.

Fishes,

Please suggest a good credit card for regular air travel , airport lounge access with less/annual charges.

Any review on IDFC first select credit card

Has anyone successfully refinanced a non-US student loan (e.g. from Prodigy Finance) in the US? Which company did you use?

Has anyone heard of Steadily Landlord insurance?

Need help. I’ve done some research but still feeling a little lost. I just left my company and I have 75k in my 401k. 20k traditional, 55k Roth. Planning on rolling over the 55k Roth into my Roth IRA, and unsure about what to do with my 20k traditional 401k balance. I am with fidelity, my new company is with voya. Any advice and explanation will be much appreciated please!

I would request a Partner to please elaborate on the process of becoming a Partner at PwC/ Big4. Also, how much capital contribution is required? Do they share profits? On what basis. Etc.

Do you include your pension in your net worth?

Anyone from tax can help me on some tax related queries.

Q1-Can I claim LTA and LTA cash voucher both for the current Block?
Q2- In LTA cash voucher scheme i have a total expenditure of only 50K approx so how much can i get as saving for Tax?
Q3 How the above 2 can be claimed during ITR filing?

I have more Questions but if we get replies on these we can discuss further.
This can help everyone

Question, when buying online, how do you know what card to use? For example, will the Ikon pass count as entertainment, travel, or online shopping?

If company gives stock bonus with high div/yield, do you keep or sell? Specifically BMY

Hi fishes,
After joining, both laptop and desktop is sent. Is it done for everyone or for specific domain? And does this mean the flexibility of working from anywhere ceases to exist?

I’m looking for a Finance position in EXL.
CA with 3+ years of experience

Which laptop can I expect for C1 role in Wipro? Mac or Windows :D

Anyone interested in hitting up Club Cafe together some time? Have heard about it a number of times but haven’t yet had a chance to go

Has anyone ever been picked up by an operator for technical (engineering) roles from consulting? Graduated with a petroleum engineering degree in May.

Has anyone not made hours before? What year were you in, and what happened?

How would an attorney working in big law position themselves to become a “super angel” investor?

I’m (2nd year associate) considering lateraling to a blackbox firm. (“Ew, why!” Just go with it for now, please and thank you.) If annual raises are generally given in August/September because that’s the normal class year start/end, is that when I’d receive a raise (if any) as well? Is a guaranteed raise something I can negotiate for?

V10 NYC 1st year - I have billed 0 hours all month in capital markets. With the impending recession, wouldn’t cap markets be the first group to trim jobs?

Should I start a looking to lateral? I feel like I’m falling behind my class

I finally signed up for Twitter to get blocked by the infant in chief

Thoughts on stipulating to negligence from a plaintiff’s perspective? At first I thought it was a good idea because it obviously saves time and money and saves you from the possibility of your client receiving nothing. I practice in a contributory negligence state and my client wasn’t rear-ended she was side swiped while at a complete stop. Negligence is still fairly clear but I can envision a reality where a jury disagrees....

Having one of those "well well well, if it isn't the totally predictable consequences of my own inaction" days. Send help

Your predictions for 2021?

I am 40 this year and just made director. Was in industry for 8 years, post MBA but never joined strategy, a mistake for the short run In hindsight. Need advice on if it’s too old to make EP at some point. I am in Canada so it’s a longer path. Am I too old? Also - how do I skip income partner, seems most companies are pushing most folks to go through IP to goto EP. Real advice and thoughts would be welcome.

What salary can be expected for an Associate technical Architect with a 6 YOE in total, at Quantiphi ? This is for AI/ML

How important is face-time with (aka kissing the ass of) senior bankers to get promoted? Is it really necessary to go on painful social outings in order to receive a promotion?

I received an offer and started working . It's said in offer that detailed agreement (appointment letter) would be given after 15 days of joining . It's been 1 month and I didn't receive it even after asking . So what's my state, am I am employee or not? Tia!!

Asking this because I have less than an year exp. So not much Knowledgeable.

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. 

What’s your ROI threshold/target to consider an opportunity a worthwhile real estate investment?

I’m looking to buy an investment property in the next 9-12 months. When applying for a mortgage, do they only look at my ability to repay based on my salary alone? Or is historical (or projected) income from the property considered as well?

This will be my first property.

Seeking advice / recommendations:
Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying multi-unit properties and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post real estate investment opportunities?
Thank you in advance

Can I be under contract on two homes at once? Let's say A as a 2nd home (will close first) and then B go under contract afterwards as an investment property, that will close much later after the 2nd home?

B will be rented out. I already have a primary home. All 3 are in different locations. Anything else I should be mindful of?

My mom bought a second property and it went up by 200 K so she’s now looking to refinance it. She’s asked to put my name on the mortgage as my dads credit is not the best. She has and still will be paying the mortgage payments. Also, when I do plan on buying my first house years from now she said she will remove my name from the mortgage so it doesn’t affect my credit and sell the property if I need help for the down payment. I trust my mom and I do want to support her but is this a good idea?

I am getting a 3% interest rate on a jumbo loan with 20% down on a $850,000 single family home. The ball park in July was 2.65 - 2.75
Checking if folks are noticing a spike in interest rates or if I need to look for another lender.

Would love everyone’s thoughts! Which of these two options would you pick if your goal is to buy and hold for appreciation purposes given these are in a very hot market. Both same lot size.

Option 1:
- $175k lot located on very busy street but across the street from new $700k townhomes and restaurants

Option 2:
- $250k 3 bed/1 bath fixer upper located at end of dead end street, houses on street all fixer uppers, located down the street from Option 1 (so also near new builds and restaurants)

Any good, free, sources to study for the Real Estate exam besides Quizlet?

Any freelancers out there who had a significant decline in income this year compared to last year still manage to refinance? If so, with whom?

Does anyone have a good practical guide / book on getting started with small multi family real estate investing? I’m in Canada and am looking to avoid hype books to get to the practical need to know details. I have between 250-350k to invest and looking to scale as quickly as possible

100-150k in cash how would you invest it ? 1. Buy low priced out of state property all cash (~100k multi family in city like Cleveland ) With remaining money fix up property, rent and hold. Or 2. Buy multiple properties with loan and put down payments on 2 multi family homes, (up to ~400k each 20% down) out of state or possibly local. Buy mainly turnkey, rent and hold.
I know either way should essentially work but would love to hear different perspectives.

This housing market is insane and I’m struggling to justify paying $100k-150k over what people paid less than a year ago (SoCal). To anyone who bought during the last bubble, did it turn out OK or did you have serious regrets?

This is for my real estate agents. I’m brand new into the business and I adore the work. What tips or pointers can you give to a new agent- I’m in Las Vegas if it helps to be specific. If anyone has any book recommendations that’d be awesome as well. I’m looking to learn anything and everything. For example, learning what I can and can’t do to make a deal close

Did anyone go through OneTrust Home loans for pre-approval? With a 710+ credit score and 171K annual income and over 223K in brokerage+401K and 60 cash, I only got pre-approved for 410K condo.

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.

This is the thread to boast about a creative deal that you made by using leverage and/or collateral.

Anyone want to help judge my first flip opportunity for me?

Thinking of moving to another county in my state. I own a portfolio of rental properties (about 10), all in state, and thinking of keeping and renting this current primary of mine if we move and renting it as well. Value is $800k,so would be a high-end rental in a sought after N/H. Currently has about $400k equity. So, I'm just on the fence about whether to sell it, put the equity into the new home for a lower pmt or rent it at $500-1000/month NI and let the value go up. Thoughts?

First time home buyer here. Buying a new construction home due to close in August. Should I do a long term rate lock now? It's 1% of loan value to lock for 6 months.