How do I go about getting preapproved for a housing loan ? And how long are they usually valid for ? Hesitant to shop around if they do a hard credit pull. Any help please ?

What are some jobs you can do abroad to earn US money while living abroad? Haven’t reached FI yet but I always worry about running out of money after early retirement.

I have a wealthfront account with ~30k that has made about 10% in 2 years. I am convinced that the market will crash this year so I have an inclination to pull that money out of the account. Nowadays we have access to so much more information that a crash can almost be anticipated IMO. Is it worth the tax to pull it out, sit until the crash and reinvest? I know this is not traditional, just curious about the bowls opinions

Risk averse investor here. My investing consists of buying shares of the S&P index fund (VOO). I tend to stay away from individual stocks due to lack of knowledge and time. Is it smart to start looking into individual stocks to build my portfolio? I still plan on putting money into VOO, however, should I also look for ways to grow money quicker?

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

Will have a kid soon. Are 529s a good investment or better put that money in something else like ETFs? Has anybody done something else other than 529s. Would love to get some perspective. State offers tax savings

How does everyone budget for their vacations while still saving money? Any important tips, tricks or useful resources to get the most out of a trip without breaking the bank?

Building just let me know of a 40% rent increase starting in January. Anyone else experience similar?

I’m looking to purchase a home. I have enough for 20% down and I qualify for a traditional mortgage but my dad suggested he lend me the full cash to make the sale that way I have more negotiating room and can close faster. Then once I close I can refinance it and keep 20% in the house and pay my dad back for the 20%. Is there a downside to this? Will it get messy?

Do Vault firms usually pay for an unlimited metro card? Did covid change this?

I need some help understanding how Estonian e-residency company would work if the operations are based in India. How would the tax part work?

What are you doing for a retirement plan as an independent consultant? Solo 401K, SEP IRA, etc.? Any recommendations on where to open an account?

What’s a reasonable amount for an accountant to charge you for a single year of filing taxes? Simple situation, just filing income and a couple deductions. Just got quoted $700 and thought that was quite high.

How do you stake GRT?

Any good recommendations for HYSA in NA. I’m a fresh college grad, finally budgeted and need realized I need a proper account to save an emergency fund. The rest are in 401k and investments. Thanks in advance!!

What is your most conviction stock? Mine is $SOFI

Did anyone else get a ridiculous rent increase this year?

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Sorry if this has been asked a few times but - relocating to Charlotte and looking for apartments, preferably in southend. Any solid recommendations or places to avoid?

Looking for a 1 BR - 2.4K a month or less.

TYSM!!

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 😊

Any good realtors in Seattle?

I have resigned from TCS on Monday-14. Can anyone please let me know how to proceed further

Till now, HR did not respond anything, no response even after pining him in teams

My manager also has not initiated resignation process from his end. (I have seen few blogs where people mentioned like manager will initiate the seperation process within 3days of resignation)

I am worried about my notice period whether it will extend or they will be asking me to exted saying some x reasons afterwards.

Does anyone have insight on what it’s like to work at a family office vs BB?

Anyone have anything to share with petals?? Craving some happy colors 🌺🌸🌼🌹💐

I know nonprofits have to register in each state where they solicit charitable donations. What if someone from a state where the org isn’t registered makes a donation bc of something they saw online or on social media?

Should I start Emmanuel Sanders or Tevin Coleman in flex this week? Full point PPR

What is TM position in Bosch Global.?

Any advice for those who are pursuing cybersecurity? I’m currently getting a certification online through IBM.

I teach first grade at a Spanish-English bilingual school with Spanish as the primary language for most. Waffles are some good reading fluency building ideas and activities for English learners?

Market entry assessment framework
(Source: PwC)

(1) Market assessment:
• What’s the size and growth of the addressable market? What are your target geographical markets? Does your research address regional and city tier variations?
• How do your products or services fit in? What’s driving demand and growth in your market?
• What are the regulatory and/or technological trends to consider?
• What are the key success factors? How does it compare with other opportunities?

Have all Bay Street firms paused their return to office plans? Has anyone been getting pressure to show face in the office?

Heard ICIMS let go of 5% of their workforce today. Also heard that last week they acquired SkillSurvey.. must have cost a pretty penny.. better to keep the acquisitions going over keeping people employed

Hello, I’m a pharmacy graduate currently applying for entry level consulting roles. I have first round interview at an MBB next week and I am interested in doing a practice case interview with a current or past consultant. If anyone is happy to help please let me know

Some agents are not sincere, and some houses have a negative record (this is what we call the incidents inside the homes), but many agents do not say it. I know it is about ethics, but at the same time, it should be punishable because you are deceiving a person to take advantage of the situation; it is a scam.

I'm interviewing for a operations associate principal role at via this week and was wondering if anyone would be able to shed some light on what typical comp looks like? Thanks!

What about the transport facility for bosch electronic city from hosur?

Anyone here actively seek Women-Owned IP firms for patent prosecution? If so, curious where you work and whether it’s your preference or a company guideline

Hi sharks I have 4 offer in hand, which compamy should I join and can i re negotiate the offers

Common wealth bank of australia - 15lpa
Eurofins - 17lpa fixed + 1 l jb
Epam - 20 lpa fixed
Legato - 21 lpa fixed

Guys can you please help on this to choose a better company

Tech stack - .net full stack + angular
Yoe - 3.3
Notice period left - 20 days left

Need help with a home loan query - lets say i want to buy a $300k house, and looking for a bank loan.
Here’s the scenario for -Spouse and i together make 300k per year. Savings - 350k.. question is how much bank loan should i take given the high interest rates and how much down payment to make given i have sufficient savings in cash. I do not plan to invest the savings into anything in near term (2-3 yrs) and want to keep a 100k at-least for emergencies.. what should be my down payment

Has anyone traded pre-IPO stocks on the secondary market? Eg Equityzen? Any experiences?

Had my 401k in all VINIX last year, and it served me well. I rebalanced to 20% large cap, 20% mid cap, 20% small cap, 20% Int’l, and 20% bonds. The Int’l diversification is pulling me down significantly. Would you shift that 20% back to large cap or just say it will payoff later to diversify? My IRA is pretty tech heavy, so trying to be mindful.

How do I get a side hustle?

I have a Schwab traditional IRA with $60K in it.

Am I able to convert it to a Schwab Roth IRA without paying any penalty fees etc? Taxes?

Should I max my Roth 401k first or my HSA? Do companies match HSA contributions up to a limit?

New to consulting and investment. Just joined the firm 6 months back. What should be my investment priorities? I have 13k equity portfolio on Robinhood.

Sad that I missed out on adding Shopify to my stock portfolio 2 years ago!!!!

Anyone ever made a crazy high volatility trade and turned a few K into 100k in a week?

For people who track monthly budgets with mint or similar, when do you adjust the discretionary areas like food/clothes/social/etc?

I have a wealthfront account with ~30k that has made about 10% in 2 years. I am convinced that the market will crash this year so I have an inclination to pull that money out of the account. Nowadays we have access to so much more information that a crash can almost be anticipated IMO. Is it worth the tax to pull it out, sit until the crash and reinvest? I know this is not traditional, just curious about the bowls opinions

Risk averse investor here. My investing consists of buying shares of the S&P index fund (VOO). I tend to stay away from individual stocks due to lack of knowledge and time. Is it smart to start looking into individual stocks to build my portfolio? I still plan on putting money into VOO, however, should I also look for ways to grow money quicker?

🦮 to the 🚀🚀

How does everyone budget for their vacations while still saving money? Any important tips, tricks or useful resources to get the most out of a trip without breaking the bank?

Any good recommendations for HYSA in NA. I’m a fresh college grad, finally budgeted and need realized I need a proper account to save an emergency fund. The rest are in 401k and investments. Thanks in advance!!

What is your most conviction stock? Mine is $SOFI

So, is Amazon or Netflix a buy in your opinion? Why, considering they haven’t dropped much. Think 5-10 year timeframe.

22 year old new to consulting/retirement planning. What is your target retirement $ amount? How much of that is saved for healthcare.

Anyone own a franchise? What’s your experience, how did you get started and how much did you invest and any lessons learned?