Hi All,

Can anyone share where I can find the best rates? I'm in NY but looking at homes in Jersey and also upstate NY (near westchester).

Has anyone’s credit score dropped dramatically? Mine dropped almost 20 points in one month and the reason says because the age of my accounts are low but I haven’t opened any new ones? wondering if it’s covid related somehow?

Anyone think the federal reserve will end up buying bitcoin to create some stability with the dollar?

Parents are deciding between moving to WVirginia vs Virginia at retirement to be closer to us based in fairfax (ideally be at 1 hour driving distance). They currently in the mid west but WVirginia appeals to them because of low taxes, low cost of living. We are also poc so appreciate some diversity.

What are some areas you would recommend both in Va and WV? What else should they consider prior to house hunting? Dad likes to garden/farm as well so looking for homes with large backyards. Tia!

Does enjoying investing your own personal capital translate to enjoying working in investment management?

Best HYSA with a good account opening bonus?

My play for next week:
Sell the SPY 200 puts since the market would plummet. Look for opportunities to buy back, probably when the stim bill passes. Would love to hear your thoughts on it

This is an emotional dump rn. It may be lack of social interaction but I'm really frustrated lately. I feel like I lost last 2.5 years of my life with ongoing lockdowns and job instability in the first half of the pandemic. I was 28 turing 31. I get good dates but -ve self talk
Inflation is high & coming from a low income family where you're supposed to help your parents is driving me nuts. Although I make a good salary, after rent, car insurance, there isn't much left (unfav currency exchange)

Are there any flexi benefits in the payroll management system to get the tax exemptions in BA Continuum?

For EESP - which is better share withholding or payroll withholding? Thoughts?

I'm working on a Fintech startup related to commercial banking pricing. We would like to do some "expert interviews" with current RMs (we would compensate your time.) We want to better understand the friction points when it comes to price C&I or CRE loans. Please DM me if you are interested.

We are not looking for any private information, but more anecdotal evidence of issues that can be improved.

Talk me out of (or into!) buying a 2000 M Roadster. $14.5k, 111k miles. Mechanically sound with records, cosmetically nothing I can’t repair/replace.

How do you and your partner (married or not married) split financials?

If I’m contributing to my Roth 401k vs pretax 401k and my employer matches 10% of my contributions. My employer match be 10% on my post tax contributions right? Technically meaning I’ll be getting less of my 10% employer match then if I were to do pretax 401k since that match would be on a higher amount?

Anyone else heard the news of KPMG staffing 1,500 employees to work 6 pm to 6 am reviewing documentation for cares act SBA bailout loans? My thoughts are 1- admirable cause 2- I would hate to (cont’d)

Taking a personal loan of 20k or more will it affect perm (GC) process?

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Hi,

Where to invest to reduce the taxable income of 8 lakhs after investing 1.5 lakhs under 80c and HRA 1 lakhs ? Medical insurance 50 k I’m aware of it and I don not plan on any house loan. Please suggest.

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

Hi folks ,

Can you suggest some good residential society near Gachibowli ( 2BHK or 1 BHK ) ? How much should I keep the budget for a 2BHK in that area ?

Thanks in advance.

I want to go back to work in the dental field. I was an assistant for 10+ years. I miss helping people smile. But trying to find work that I can do within school hours is so hard! Has anyone found anything that is legit work from home? Either remote treatment plan presenting or helping with scheduling? I really need something from home because my husband travels so much. I’m located outside of Chicago if that helps.

My client is telling me about how painful she finds PAID overtime. While she gets💰, I get %.. & utilization doesn't pay the bills!

What books would you recommend for someone wanting to get better at sales?

What’s the symbol that you can type in a cell so you can input a text, but that text would not appear in the spreadsheet? I want to describe the formula without using a text box, which uses more space.

The equivalent of this is in SQL, you can use the apostrophe in the beginning of and end of a text. That text will not affect the function of the query, but that text can be seen if you proofread the query.

Hello Fishes!
How is the work Culture and the possible pay-out of Short Term Variable Remuneration at CBA-Bangalore? Also any visibility on On-site opportunities?

Hi fishes,

What are the perks and benifits in Commonwealth Bank, I have recently got offer and i will be joining as a data scientist in aug.

Any leads wil be helpful.

Thanks

Which one is better
Commonwealth Bank of Australia, Huron and NTT data??

So
- I didn't get selected in the H1B lottery.
- My company has agreed to send me to their London office for a year (haven't yet filed application).
- OPT ends in late June, so I can stay till mid-late August (grace period).

Question:
Should I just move to London as soon as I'm able to, or is it worth waiting until the end of my OPT in August in case they do a second round of the H1B lottery?

Hi, requesting guidance from PMs in this bowl.

I work as a Technology Consultant. Graduated from a Tier 1 B School in 2021. Currently, my skills include business and requirements analysis, and I also look after some internal product engineering and release management initiatives.

I wish to transition to a PM role in a product-centric company. I had taken relevant learnings in my MBA, but I don't have any prior PM experience. How do I make the switch? Thanks in advance for helping me out!

What’s a good bar where a single lesbian can mingle with other queer ladies?

Hi guys, can someone please help me understand what does "Senior Consultant in HR Band 4" mean?

Hi guys,
Currently working as Penetration testing for service based company for Apple Inc as client.
How much can I expect for 2 year of experience.
Current: 7Lpa

My current ctc is 13.8 lpa.Before scheduling L1 interview, HR told me for this role the maximum pay is between 13lpa and 5lpa.. I said ok.. and i have celared the interview as well. HR negotiation is pending. Now if i negotiate for a higher salary.. what will happen? Would they be able to go beyond 15lpa?

Anyone here in SG who could tell me what the salary brackets are for SA at PwC Deals? My partner has been telling me they can't give me an annual salary increment because it was already at the upper end of the salary bracket when I was hired (for visa purposes) and honestly with the current inflation I need that raise

Going to India from DCA (flights were cheaper) but I live in Houston. Flight from DCA is at 10 pm. Should I book my flight from Houston to DC the same day or one day earlier? Given the flight cancela.

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

Would like some thoughts on a 2-br NYC condo my husband and I are considering. $250K HHI (no kids). No loans or debts, both have newish cars fully paid off.

Offer would be for $725K, with 10 percent down. 30yr mortgage @5%. We would need to include closing costs in the mortgage, to keep about $10k liquid. Monthly costs will be about $5k.

This unit is special, very rare (we’ve rented in the area for 10 yrs and know the local market well). Should we go for it?

Any recommendations for buying agents in Massachusetts?

What are people doing in terms of stashing money away for your first house? I want to buy within the next 3 years and I'm looking for any type of budget tips, credit card recommendations, safe and solid bank loans, or whatever you did that worked. Thanks!

For anyone in this bowl. How crucial is it for you to have a formal dining room separated from the kitchen? My son and daughter-in-law are buying a house for their future family and I'm trying to convince them a formal dining room looks better and makes things less chaotic in the kitchen, especially with kids. Am I out of touch? Or is it still important?

Hi all! I’m new! I started the year off planning to save for a home for myself, then rates skyrocketed. So we’re holding off. Fast forward to the final quarter of the year and we were presented with the idea of a residential assisted living facility. The problem there is we’d still need to acquire property in order to run one. The only difference is the RAL would be a business and is already registered as such. Does anyone have any experience here?

Any recommendations on a good water softener system (4 people)?

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?

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

I went from making $70k the last 7 years to now started a new job a month ago making $130k plus $10k bonus every year, and $60k in RSUs. I have $70k in my 401k and around $50k in savings. Want to get out of the Silicon Valley which has been home my whole life and buy in TX or AZ a ~$400k house. I have about $20k in student loans which my dad has offered to pay (wants to make up for never supporting me) but I’m waiting to see what Biden decides for student loans. Is this feasible? Credit is ~615

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.

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.

Looking to purchase my first home…yes at 47 years old…single family for me and my 4 daughters. Need a good mortgage with a low interest and a good program for teachers. In Northern California

What are some of the things that were a MUST when buying your first home and what were some things that you were more flexible with and why? I’m having a discussion with my partner about what we absolutely need and what can be worked on later. Also, any regrets?

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

If I see one more article on how millennials are ruining the economy or housing market by not buying enough homes or selling enough homes I'm going to scream. We were saving for 3 years before Covid and had to use a solid chunk to take care of ourselves and our families during quarantine. Now that we're ready to save again inflation and COL are at an all-time high and we're headed into a recession. And somehow this is my fault for what...not being a boomer? Bffr.

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.