Hi there. Does anyone have a good loan officer info from Bank of America and is from NY/NYC? We have a loan officer currently but want to switch.

Hey folks I applied for a credit card they were asking for official mailid is it legal to provide bank mailid for credit card processing?

Is there anyone from Canada here? I’m looking for some information on working out of the country, but selling insurance.
Thanks

I’m finally hitting a stride (now in my mid-30s) and have some cash to play around with/invest. Any suggestions or recommendations on good, long-term strategies (and/or things I should absolutely be doing) for people not familiar with having a tiny cushion of wealth? Also open to “you should hire a financial advisor, etc..”

What is a simple way to explain to my boyfriend that investing in equity with an expected return of 10% is better than paying off debt that is growing at a rate of 6%. He has student loans and is adamant that he wants to pay all of them off immediately before saving any retirement money. I understand that many individuals use this strategy but I think investing in index funds for the long haul is better from a wealth accumulation perspective, without even factoring in tax implications of 401k

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

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'm going to accept an offer that's 150k+🎉 I'm a single filer, no kids. I'll be able to max out: 401k, HSA, but from my understanding, I will not qualify to utilize IRA? Aside from building a 6-month emergency fund (HYSA), what are potential next investment vehicles? I do know I want to start purchasing real estate for cash flow. But what about mega-backdoor Roth IRA? I'll admit, I still need to read more on it.

Just curious what investment vehicles you're using to get to FIRE.

Anybody still holding off on 2022 backdoor Roth for potential policy reasons? Or no longer concerned?

Option 1: margin loan based on brokerage account assets, Option 2: home equity loan on a paid off property. Looking to use the cheap debt to DCA invest in the market over the next few months. Have reasonable risk appetite, thoughts on one vs another?

Best place to get pre-qualified for a mortgage?

I have some collections on my credit report. One from an electric company for $800 (imo they violated terms of contract and sent me to collections in spite of their fuck up), and an apartment for $80~ that charged me a cleaning fee when my apartment was spotless.

Despite these two collections have a 712-720 credit score.

So mortgage lenders care at all about the collections or is it mostly the credit score that matters?

(cont)

Get rich or die tryin #50Cent #Crypto2018

Is anyone on discord channel for options trading?

What apps do you use to purchase coins such as XRP

Any tips on taxes for defi? And yes I have to…I transferred from a KYC to my Fantom wallet and have soo many transactions

Anyone use the Apple Card to buy iPhone on monthly installments and submit Apple statements for the cell reimbursement? Or do we have to buy phone through cell carrier?

What’s the best site to put your condo on rent other than Kijiji & MLS?

What is the minimum salary required to be able to save 3 lakhs per month in Glasgow (wife is not working)?

Can someone suggest me integration steps for apple pay ? I am facing issue in using sandbox test card even after change device region to US and also add my account on apple developer sandbox.

My fiancé and I both have the CSR card and Freedom Unlimited combo and love them. We are thinking of adding another card and we were considering the Amex Platinum (to diversity transfer partners) or likely a United card for lounge access since we live in Chicago.

Does anyone else have both CSR and Amex Platinum? Would you recommend?

Look for new opportunities within holding company or outside? Any appreciable differences? Or is the “action” at the agency level? I’ve heard a lot of talk ... but is it valid?

Long-time media planner looking to move into digital marketing strategy. Anyone here have some insight and time to chat?

What gift did you get your spouse on your wedding day?

Hey, I am planning to visit India for H1B Visa stamp. I am yet to pay fee for booking the Interview slot.
Anyone who is able to see the slots available can you please share of dates are available in early May for any consulates in India?

Thanks in advance!

Please discuss how the role of advocacy has evolved with technology and its limitations.

What have you found to be some of the keys to scaling succesfully, either in a business or a product or dept?

What work/life event (if any) made you arrive to the conclusion “this is just a job”? How old were you? At what point in your career / How many years of tenure?
How did your attitude towards work and work-life balance change?
Have you ever revisited or regretted your conclusion? Why/why not?

Hi guys, any update on work from office

Does PwC provides joining bonus

Hi Folks,
I got offer as infrastructure consultant in TW, what type of projects and clients TW have fro DevOps and cloud work? Pune location.

In the beginning of the month I started working at a new place for a promising client, but realized the team is absolutely disorganized and no one is willing to do much. I haven’t gotten onboarding from my team and no one takes notes... is it bad to start looking again?

Hi everyone,
Need 11 likes..
Thanks in advance

What is a starting salary for a senior consultant that does energy transformation consulting at other consulting companies? I know GH underpays lower than market, but I’m having a hard time gauging how much more. Not enough reports on Glassdoor for my company and city. Please mention YOE and whether you live in a city with a higher COL. Senior consultant is equivalent to the next level up after entry level at GH.

#HomeOfficeSetup

Guys, Suggest a good external web cam for the office meetings?

At McK does integrative = generalist? Or are practice aligned consultants also integrative

How often do scopes change? I thought it was normally on an annual basis with some exceptions but my CD is telling me they change constantly. Someone educate me…

Can I get a commercial loan without 25% down?

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

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.

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

Hi, has anyone worked at Freddie mac? Particularly the multifamily investments division?

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

Bought a 300k end unit townhouse in Atlanta, 14 months ago with 10% down (3.65% interest rate). Prices in subdivision have been increasing over that period. This month 2 non-end units listed for 330k and sold right away. The opposite end unit on my 5 unit building was listed for 340k and is currently pending. What is the best way to stop paying PMI since since I should be at 20% equity?

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?

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.

I am wanting to start investing in real estate in the new year… I’m using this month to read up on it and familiarize myself with it. I am a true beginner and wanted to ask for any tips, tricks, advice, books, videos, magazines, podcasts, etc to start? Please let me know!

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

I have over 12 years in B2B sales/sales management experience along with a graduate degree. I am wanting to shift gears and I am at a point where I can invest time in myself to learn through practical experience. The new industry I am wanting to pursue is real estate investment. I have read all the books but want some hands on experience on the property management side. How could I best leverage my skills for a role in this, and what should my expectations be for negotiation in compensation?

Better to aggressively pay off $15k in student loan debt and pay off by early next year or make the min $200 payment and save the rest for down payment/emergency funds?

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

If I’m a Real Estate Agent buying my own property, can I negotiate the Buyers Agent commission to be 0% instead of being paid the buyers commission? Essentially converting what would be Income into Cost Savings for tax purposes?

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

Question for folks with second homes: Considering buying a vacation home but would be primarily for family use. We currently have a primary residence with a mortgage balance of ~640K, so my understanding is I could only deduct the mortgage interest on 110K of the second mortgage to stay under the 750K cap. If I were to buy the second home through an LLC, would that allow me to exceed that 750K since the expenses of the second home would be pass through expenses/income?

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.

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