Hello 🐠- first time home buyer and closing is in next 45 days. Have a decent Credit score (757) and Worried with fluctuating bond yields/ interest rates . Any suggestions on how to research for better lenders with less interest rates. Searching online gives too many confusing results. Few friends referred some (3-4) lenders who provided similar rates to me. I’m now confused if I need to keep shopping with a hope for better rates or to stop and lock with better one among these lenders. TIA

Best high yield savings products?

Who all is looking to buy a house and in what area?

Hi Fishers,

DM me if anybody want to file ITR for last year, I will help you get good refund amount for whatever tax paid or deducted from salary during the financial year.

Any suggestions for financial planner or advisor in New Jersey area?

New to preferred stocks.. any recommendations on what companies to watch out and invest in

Now that’s what I wanted - good bowl. Come on real estate folks!

Big IPOs dropping this week (Airbnb, Door Dash, C3.ai). Is anyone excited to buy?

Starting apartment hunting in NYC soon. Any tips and recommendations for studios & 1 bedrooms in the city in terms of price range, ROI, neighborhood, down payment, best time to invest etc.

Best cashback credit cards in the UAE?

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

Hi IBMers,
Do we need to mandatorily submit the rental agreement, rental proofs and landlord's PAN to claim HRA for any amount?
Please help me with your suggestions. Thanks in advance 😊

As an investor, do you choose longer or shorter amortization periods when paying off your mortgage and why? Will return on investment be higher if the amortization period is longer?

Anyone know of a good cross-border US/UK financial fiduciary?

Fellow Bytedancers, will you be keeping your cash bonus or convert to RSU?

Hi I am wondering how long it would take to get established in the life insurance field just starting out. I am 28 working as a case manager for a government agency. Im currently making 91,000 and expecting another increase next January. Would I be able to replicate the same earnings in my first year? What is everyones thoughts?

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

hi Sharks

Can anyone help me what will by my inhand salary for CTC 31.5 Lakh((No variable) fixed ctc and i have home loan and life insurance of more then 1.5 Lakh
Employwr contribution to PF is 9450 monthly and i think same goes from my contribution as well

My sons friend is looking to get into real estate . He is a junior at Indiana University. Looking for recommendations.

Anybody applied successfully for Sr.Business Process Consultant with SAP (North America)?
How was your experience?
What was the process?
How technical was the interview?

In Knoxville, TN for a day. Recs for one bottle you'll absolutely suggest? Also the name of the store where I can get that, would be great too! Thank you!

41F, just found/joined this bowl and the bowl picture is cracking me up 🤣🤣🤣

In weekend checked out VTP Peagusus project in Kharadi possession 2025. Project looks promising but when visited the site accept for the towers rest all be it roads or daily basis shops nothing is there yet but they say that till the time of possession roads and everything will be functional. The rate for 750 sqft carpet 2bhk they are giving for 74lacs and possession is 2023 May. Another 2025 possession 850 sqft carpet 2bhk for 79lacs.Hardly any difference in rate per sqft. Please suggest

I am presently working as a Research Analyst (MBA 1.5 YoE) with EY GDS and I wish to work in HR or Talent function. What should I do to switch into those roles.

Any Suggestions

Thanks in Advance

What's been your favorite suite of productivity tools generally? Do you prefer Office/Microsoft products, Google apps, or other alternatives?

Am I missing something with Quickbooks? I’ve been hearing a lot of firms use it so I signed up to try it but it’s quite confusing with the trust accounting. Looks like I need the advanced version but that’s like $180 a month. We already do billing through Tabs3. Would I be better off investing in an all in one practice management + accounting + billing software? Any recs?

Pre-approved for a home but the rate lock expired and now we have to re apply. My husband lets me know his credit score dropped 111 points because of credit card utilization. Even if we get it below 30% ( which we can) not sure it will quickly reflect. I also added him as an authorized user on a high limit credit card I have. Any other suggestions besides trading him in lbs

I know the stats HS provide on need based aid. But how does it really work? Could you lie in terms of your assets and potentially what you make. How would a background check uncover those.

Going into my first weekend sober. Kind of nervous TBH. I know I can do because I've decided I'm going to do it, but I will definitely be feeling temptation. Wish me luck and share your coping strategies

Any one here based out in the Middle East? If so, what's your experience. Would you recommend it. I am 32F - African Descent planning to relocate to the UAE.

That moment when you don’t remember if you took your Adderall so you take one just in case 🙃

Anyone else feel cautious about the JP wellness screening? Is this something they can use for drug testing? Even still it is weird giving my blood to my employer

Wonky Q of the day: could we create executive incentive packages based on independent 3rd party evaluations of growth in intrinsic value rather than share price? Would that change buyback behavior?

Looking for a female roommate in Chicago in Lincoln Park! Anyone interested or know of anyone looking??

How easy is it to switch offices in Bain?

Sprinklr hiring for Senior devops engineers & devops engineers
3-5 years experience
Location: Bangalore
Let me know if anyone is interested

I am a citrix admin working in tcs currently ,have joined 2 years back but have not get any appraisal so far... Has anyone switched to amazon as a citrix admin ?

US Police or HK Police ?

If WFH stays after vaccine(maybe split 50/50 with office and WFH) do you think that will have some major impacts on our economy?  our economy is based off of people spending money not saving. I think of all the lunch, coffee, happy hour, dry cleaning etc spending we used to do.

I have a lot of exposure to big tech and sp500 across my brokerage account and retirement accounts. I recently opened a Roth IRA and have 6k in it to invest. I know the default strategy is to invest in a fund that tracks sp500 but I do that everywhere else regularly. Is there anything else like VYM you recommend? I’m targeting dividend growth ones since it’s a Roth IRA ..

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

How much hard cash do you all keep on hand?

What's your target retirement savings? Target age? Combined or single?

Anyone have experience with the Financial Advisors from Personal Capital? How was your experience?

What percent should I save for my Roth IRA vs Roth 401k vs taxable liquid investments? I’m 23 & live in a HCOL & make 70k.

Thoughts on the Marcus Investment robo advisory rolled out by Goldman a few weeks ago? They charge low fees which is great, but I have a hard time seeing what makes it different than others.

Someone talk me out of buying the C8 Corvette 😭 I make >$200k and am early twenties FWIW

Thoughts on vanguard money market funds to replace HYSA in today’s market?

I have 200k in HYS. Currently have 1k in BTC. Id like to start DCA to diversify my investments. How do you recommend this? Should I buy a bunch outright and then start investing 5-10% of each paycheck?

Anyone know what is the financial requirements to be approved for Fidelity level 2 option trading?

TD Ameritrade vs Etrade vs Fidelity.... any big differences or are they all more or less the same user interface? Mostly for trading stocks options and ETF.

Im looking to buy a home, program is zero down (no PMI). I make 150k base salary; take home 8k mon. Im looking to buy a house under 350k in my area. Im looking at a payment of about 3k including prop. taxes in a newly gentrifying area. My plan is to house-hack and in a year move out. Is this monthly payment too high? I have under 10k student loans (will get wiped) and no other payments. I want to make sure I can afford it even without tenants just in case.

Looking for advice for investing in these two options. Say I have $100k by October saved up
1) Put 10k into iBonds and $90k as downpyament and closing costs for a property (I’ll need to put in 20%, already talked to several mortgage agents)
2) Put $0 in ibonds and put all the $100k in the home investing (given it’s a little more of an expensive property, given some other factors - location, size, etc)

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

Just passed $1m net worth and thinking about umbrella insurance. Any recs for carriers/strategy?

I’d like to buy indexes of certain sectors right now, any suggestions? E.g. tech, utilities- others I expect to not be hit as hard

My husband and I want to buy a condo in Chicago in a year. We are close to having a down payment plus closing and emergency funds in a HYSA but are still a 8 months to a year away from buying. I feel like we are losing money by keeping it in cash but it is the safest option. Is that true?