How do real estate lenders take cash flow into consideration? For example, typically I would probably only be approved for a $500k loan ($125k comp and $100k for down payment), but if I’m buying a multi-family home and planning to live in a unit and rent the others, will lenders approve a bigger loan?

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Yes. You count the expected cash flow as income. The lenders should know what to do. Best thing to do is get an approval and shop it and let them know you will be using the adjust income.

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Funny this post shows up today...I spent half of the day talking to lenders because none of them would count in future rental income. In the past they’ll do an appraisal and comparable rent schedule to count the cash flow. They told me since covid they’ve become more cautious and you have to show two years of historic rental income history at least for my market

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I honestly don’t know if they’ll support a lease on a property not rented by me as the buyer. But I guess that should work. What difference does it make if I or someone else was the owner

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How does your firm measure utilization? I work for a small boutique that defines it as utilization = number of billable hours/2,080 and full bonus payout occurs at 80% plus.

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Which one should I go for?

1. Oracle - 18.3 LPA fixed + probable bonus (I may or may not get)
2. Amadeus - 18 fixed + 1.5 variable.

Amadeus is also giving joining bonus of 75k. Amadeus is paying more, may give better hikes too, but I am finding it hard to let go off Oracle's brand name on my resume even if it's means around 2L less over an year. I am planning to work for atleast 3 years in my next company.

What would you have done in my place? Should I go for Oracle or Amadeus?

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Hello fishes.
I recently gave interview with amazon for program management , manager role.
I have an MBA from London and currently working as strategic consultant. CCTC is 35 LPA fixed.
What is the salary range I can expect to ask on the current role. What normally is included in the CTC of Amazon.

Hi everyone,
What is the average salary as a administrator in your area? I currently have a associates and bachelors and have 2 1/2 years of experience. I am considering moving to Maryland areas. Can anyone help ?

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I feel so many of my big law co-workers purchase homes $1M+ homes as senior associates but I always struggle to believe that I will be able to do the same. I started saving aggressively this year as a midlevel but still feel so far away to be able to comfortably afford. Additionally, I always have a fear of job loss due to my own parents losing their jobs in 2008 and essentially growing up with no resources.

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Hi Fishes,

My wife is getting transferred to California from India and she is offered 143k.

How much she can get after tax deduction and all? How much she can save after all the expenses?

She is insisting that I travel with her and get the job in the US. I'm a software developer having 4.1 YOE. How much can I get in the US? Is it worth traveling with her?

Any information would be helpful, Thanks in advance...

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Some one help which company I can choose for work culture, Life balance , company shift timings

Tech Mahindra 12 LPA (50k) joining bonus

ATOS 11 LPA

Finished my loop for a marketing role 2 weeks ago, and got an email the next day that they wanted to give me an offer. Had my initial call with recruiter to put the offer together. It was lower than I expected, and we ended that call positively as I needed some time to consider, and we agreed to follow up in a few days. It’s now been a week and both recruiters have been unresponsive. Did I just lose this offer bc I tried to negotiate a more equitable comp pack, or is it a slow process?

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Have been selected in Maersk as JL4. Salary negotiation round is pending. How much can I ask for.? Any tips. Just need a decent range

How is working at Public Consulting Group? Any insight into salary bands, culture, etc..TIA!

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use an advisor for dynamic asset allocation as your forte is your knowledge .so leave it to professional like me may cost some but few bucks are cheaper then losing principal in crypto or any unregulated asset class if interested@9302340643

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Anyone know the salary range for a senior strategy consultant role at Booz?

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Hi,can someone help me in this . What is going to be the in hand monthly salary after all deductions?Tia!!

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After successful technical interview with IBM India, approximately after how many days will they take to call us like for HR round and salary negotiations? My YOE is 11 and currently have an offer of 24. How much can I ask to IBM? Tech stack: JavaScript Node React Etc.,IBM Consulting IBM

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What’s the comp most people cap out at if you dont make partner?

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What would be my in-hand salary per month after employee pf and tax Deduction?

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Current situation: company A- was hired as a specialist and proved my worth to become a category manager but ended up on the low end of the salary range because of my lack of experience. Have voice my concern about my pay several times to my director, with no action in return.
Company B - Recruiter on LinkedIn approached me regarding a position open at an out of state healthcare facility for the same thing I do now, I would be working remotely where I currently am today. Cont in comments..

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I’m looking make a transition internally but fear the comp will not be competitive as if I was an external candidate. Any suggestions to negotiate?

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Does Mindtree provide Full variable as in offer it is mentioned gurranteed on monthly basis then why they mentioned it as variable/Bonus component if they are providing this gurranteed.
How much reality in that?

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Tax SM’s at RSM - what is your salary for a medium-high COL for 2-3 years of tenure?

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Democrats plan, just a taste.

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It’s called, “Reasonable Assurance"

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likefunny

I made an offer to a candidate today. It feels really good to make that phone call and hear the other person being happy.

likeuplifting

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Does anyone have experience sitting on boards? I’m interested in doing this at some point in my career, but am not sure how to get started and what’s typically required (both qualifications and work involved)

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I have received an email from tcs that your address verification will be done abc company. My question is will there be different companies hired for different checks or will the same company carry further background checks like employment and education?

Hey
I have investment in crypto and as per kpmg policies we cant hold it. Can anyone please tell is there any way of holding the same and not getting caught.

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Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

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How much is 2k a month for a house payment? What size loan would I be able to get?

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Anyone here work or has interviewed for a data science role at DataRobot? Would love to get some insight. Third interview coming up.

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Hi all,

I interviewed with capgemini for SAP ABAP role and my YOE is 4 years. Just 2 hours after my interview, I got a call from someone at Capgemini saying that I am selected.
They just asked my notice period and current location.I asked them, what is the next round going to be and they said that it is going to be salary discussion. But till now, no one has reached out to me.
Does it mean they got another candidate for same job?
If they get back to me, how much should I ask?
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Hi BCG fish! I just signed my offer letter to join starting next year in Brazil. Any tips on how to prepare? And who makes staffing decisions? I want to start networking with people globally to help me get staffed on projects related to my industries of interest.

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Given that a lot of ZSers ate joining Novartis, do you think that we can have a whatsapp group for the same? Thoughts?

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Anyone over here got email for new joiner welcome kit?

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Who are the best creative recruiters in Amsterdam? Any help is much appreciated! Thanks

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Hey anyone has advice on fixed income execution trader in a buy side firm? Sizable firm, good team, very low pay, okay wlb, been here for a year and working for 4 years in total, was sales/ small firm analyst before. Though trading is fun, but can’t think of executing orders for another 10 years. Trying to get on track of fixed income analyst - am doing some research in my spare time for my team now. What do you think of trader to analyst? Any good advice or same concerns? Appreciate any cmts!

Hello

I've been interviewed by @Amazon on 8th July and even after multiple follow up emails, there's no update. Any suggestions?

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How is this service line at EY GDS for a Data Scientist role? EY

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Did anyone receive offer from Pepsi Co recently, their process is taking lot of time...

likefunny

Additional Posts in Option Traders & Investing

Good entry point for PLTR?

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Dipped my toes in some dumbass hype stock - 60 shares of FMCI, planning to sell within 2 weeks

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What’s does “fill the gap” mean??

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only buy VIX if you think the market plumbing systems are clogged.

Otherwise your sinuses will become increasingly VIX allocated over time.

Maybe that's ok.

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For those who have been driving the daily thread posts (senior tax accountant / KPMG / etc) please DM me if interested in becoming a community leader for this bowl. I’ll put you in touch with Sam from Fishbowl. Thanks!

likeuplifting

Sundial Growers 🏄🏻‍♂️🏄🏻‍♂️🏄🏻‍♂️

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Everyone’s so focused on Airbnb and Doordash lol. Nobody’s talking about C3.ai though 👀

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3/23 Thread (General):

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New to options on fishbowl - I have a call itm with Robinhood that expires tomorrow. If I don’t sell it, what happens? Will they exercise or am I better to sell it?

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Growth stock ER week

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10/06 Thread (BC):

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Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

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6/16 Thread (BC):

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Any suggested reading / books that one can use to learn options trading? Experienced investor, who wants to get into options.

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Just read in Robinhood Snacks that Peloton has their IPO this Thursday on NASDAQ. Can't believe I haven't heard anyone else talk about this yet.

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$DPZ 370c 3/27

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What do you guys think about Investing in palantir which IPOs tomm?

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3/29 Thread (General):

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3/2 - (specific symbols)

likehelpful

6 questions:
1-When to buy put contract?
2-When to sell put contract?
3-When to exercise put contract?
4-When to buy call contract?
5-When to sell call contract?
6-When to exercise call contract?

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